Boggan waxaa loo turjumay Ingiriisiga si uu u fududeeyo dadka xirfadaha Ingiriisiga kooban leh. Waxaan isku daynaa inaan bixinno turjumaad sax ah, laakiin waxaa laga yaabaa inay jiraan kala duwanaansho yar. Haddii ay jirto farqi u dhexeeya nooca Ingiriisiga iyo nooc ku qoran luqad kale, nooca Ingiriisiga ayaa ah midka rasmiga ah.
This webpage was translated from English as a convenience to people with limited English skills. We try to provide accurate translations, but slight differences may exist. If there is a difference between the English version and a version in another language, the English version is the official one.
Ficil qaado hadda!
Dhaqaaluhu waa xadidan yahay!
Barnaamijka Amaahda Guri Iibsadayaasha ah Jiilka Koowaad waa barnaamij siinaya dadka ah Guriga Iibsadayaasha Jiilka Koowaad lacagta dabaajiga hore (downpayment) iyo lacagta kala wareejinta (closing cost) oo deyn ah. Barnaamijku wuxuu bixinayaa amaah gaareysa ilaa $35,000.
Barnaamijka waxaa loogu talagalay inuu u adeego qiyaastii 1,500 oo amaahiyaal u-qalma ah, iyadoo la raacayo nidaamka yimaada kowaad hel kowaad. Barnaamijku wuxuu socon doonaa ilaa inta dhaqaaluhu ka dhammaanayo.
Yaa ah jiilka kowaad ee guri iibsanaya?
Waxaa laga yaabaa in aad u qalanto in aad tahay jiilka kowaad guri-iibsanaya haddii adiga iyo waalidkaa(waalidiintaada) ama mas'uulka sharciga ah:
- Weligood aysan yeelan degaankooda aasaasiga ah (wadan kasta ha ahaado)
AMA - Ay lahaayeen guri laakiin wey lumiyeen sababta oo ah gurigii oo lagala wareegay (foreclosure) dartiis
Haddii aadan ogeyn haddii waalidkaa ama mas'uulkaaga sharciga ah uu guri leeyahay ama uu ku waayay gurigii in lagala wareegay dartiis, waxaad weli u qalmi kartaa barnaamijka.
Maxay tahay Barnaamijka Amaahda Guri IIbsadayaasha ah Jiilka Koowaad?
Amaahda guri-iibsadaha jiilka kowaad waa deyn dib loo dhigay, oo aan dulsaar lahayn lana cafin karo. Kala bar deynta waxaa la cafinayaa 10 sano ka dib inta soo hartayna 20 ka dib. Si aad ugu qalanto cafiska, waa in aad deganaataa guriga ilaa taariikhda cafiska.
Waa in aad isticmaashaa amaahda guryaha ee Start Up First (Bilowga Hore) si aad u iibsato gurigaaga si aad ugu qalanto amaahda Guriga Iibsadaha Jiilka Koowaad. Lacagta amaahda ah waxaad u isticmaali kartaa in aad ku bixiso kharashyo kala duwan, oo ay ku mid yihiin dabaajiga hore (downpayment) iyo kharashyada kala wareejinta (closing cost).
Waxa kale oo aad barnaamijkan ku dari kartaa mid ka mid ah standard downpayment and closing cost loan options (deynta bixinta lacaga dabaajiga iyo kala wareejinta ee caadiga ah). Haddii aad u xaq u yeelato, waxaad u qalmi kartaa ilaa $53,000.
Diyaar ma u tahay in aad bilowdo?
Halkaan ka hel deyn bixiye ka qaybqaadanaya Guryeynta Minnesota (Find a Minnesota Housing participating lender). Shabakadeena deyn bixiyayaasha ah ayaa kaaga jawaabi karta su'aalaha ku saabsan barnaamijka Amaahda Guriga Iibisadaha Jiilka Koowaad, u-qalmitaankaaga iyo haddii ay arintan kuu shaqeyn karto.
Iska hubi in aad u sheegto deyn bixiyahaaga in uu ogyahay in aad xiisaynayso Barnaamijka Amaahda Guriga Iibsadaha Jiilka Koowaad.
Ma u baahan tahay waqti dheeraad ah si aad isu diyaariso?
Marnaba degdeg kuguma ah in in aad u diyaargarowdo inaad guri iibsato.
Waa in aad:
- Qaadataa fasal waxbarasho guri iibsadaha
- La hadashid la-taliyaha gurig lahaanshaha
- Raadsatid deyn bixiye ka qaybqaadanaya barnaajinkan
Booqo boggayaga waxbarashada guri iibiyaha maanta! (Visit our homebuyer education webpage today)!
Marka la eego barnaamijyada amaahda Qaybta Qoysaska Kelida ah, barnaajijka Guriyeynta Minnesota ma bixiyo ama ma habeeyo amaah. Ma aha deyn asal ah bixiye ama dayn-bixiye oo xiriir lama laha wax amaahiye ah. Shuruudaha wax kala iibsiga maaliyadda amaahda guryaha ee la sameeyo ee la xiriira barnaamijyadan, kuwaas oo ay ku jiraan macluumaadka muhiimka ah sida khidmadaha amaahda, heerka boqolkiiba ee sannadlaha ah (APR), shuruudaha dib-u-bixinta, daahfurka xogta, iyo wax kasta ee loo baahan yahay in la siiyo macaamilka waa masuuliyada Amaahiyaha.
