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Barnaamijyada ku noqosho Milkiile Guri

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.

Boggan waxaa laga soo turjumay Ingiriis si loogu fududeeyo dadka leh aqoon afka Ingiriisiga ee xadidan. Waxaan isku dayeynaa inaan bixino turjumado sax ah, laakiin waxaa jiri kara kala duwanaansho yar. Haddii ay jirto kala duwanaansho u dhaxeysa nooca Ingiriisiga iyo nooca kale ee luqad kale, nooca Ingiriisiga ayaa ah midka rasmiga ah.

Minnesota Housing waxay bixisaa barnaamijyo deyn oo kala duwan oo loogu talagalay dadka marka ugu horeysay guri iibsanaya iyo dad dib-u-iibsanaya, iyo barnaamijka dib-u-maalgalin dayn hore si markaa lahaansho guri ay noqoto mid la awoodi karo.

Waxaan la shaqeynaa dhamaan hay'adaha deyn bixiyayaasha ee gobolka oo ka jawaabi kara su'aalaha ku saabsan u-qalmitaanka barnaamijyadan iyo sifooyinka barnaamijyadayada lagu helo oo ka mid ah sida doorashooyinka barnaamijyada deynta ee lacagta hoos udhigista (qadimaada deynta) iyo qarashaadka xiritaanka oo gaari kara ilaa $53,000 oo deyn ah oo la heli karo oo loogu talagalay dadka u qalma. Waxaad ka dalban kartaa barnaamijka deynta ee Minnesota Housing mid ka mid ah hay'adaha maaliyadeed ee ka qayb qaadanaya masruuca, sida aad u sameyn lahayd deyn kasta oo kale.

Inta aad ku guda jirto socodkaaga aad ku milkineyso gurig, alaabtayada iyo ilahyaga ayaa suuragal kaaga dhigi kara inaad guri iibsato.

Iibso Guri adoo ah qof Markii Ugu Horeysay guri iibsanaya (First-Time Homebuyer)

Barnaamijka Start Up waxaa loogu talagalay kuwa markii ugu horeysay guri iibsanaya oo ah qof aan saddexdii sano ee la soo dhaafay aan xiiso ulaheyn inuu guri lahaado. Haddii aadan guri lahayn hadda laakiinse add horey u laheyd oo ayna hadda ka soo wareegtay saddex sano tan iyo markii aad guriga lahayd, waxaa laga yaabaa in laguu tixgeliyo sida Qof markii ugu horeysan guri gadanayo - First-Time Homebuyer.

Xeerarka iyo Doorashooyinka Barnaamijka Start Up waxaa mid noqon karaan:

Xadidka daqliga: Ilaa $142,800 iyadoo ku xiran degmadaada.
Xadidka qiimaha guriga: Ilaa $659,550 ee aagga 11-degmo ee Metro ah iyo $604,400 ee dhammaan degmooyinka kale.
Doorashooyinka Deynta Lacagta Hoos u dhigista deynta iyo Qarashaadka Xiritaanka: Wadar ahaan lacag gaareysa ilaa $53,000!
Shuruudaha ugu yar ee dhibcaha deynta.
Shuruudaha lahaanshaha guriga.
Waxbarashada iibsadaha guriga: Ugu yaraan MID ka mid ah iibsadayaasha waa inuu dhameystiraa koorso waxbarasho oo la ansixiyey ka hor xiritaanka guriga.

Haddii aad tahay iibsade markii ugu horeysay laakiin aad dhaaftay xaddidaadaha dakhliga ama qiimaha iibka ee barnaamijka Start Up, waxaa laga yaabaa inaad u-qalanto barnaamijka Step Up (Macluumaadka ku saabsan Step Up wuxuu ku hoos yaalaa "Dib-u-iibsadayaasha" ee hoose).

Dib-u-iibsade Guri

Haddii aadan ahayn iibsade markii ugu horeysay – ama aad tahay iibsade markii ugu horeysay oo dhaaftay xaddidaadaha dakhliga ama qiimaha iibka ee Start Up – barnaamijka Step Up wuxuu noqon karaa mid ikhtiyaari ah oo fiican.

Xeerarka iyo doorashooyinka barnaamijka Step Up waxay ka mid ah:

Xaddidaadaha dakhliga: Ilaa $185,700 iyadoo ku xiran degmo.
Xaddidaadaha qiimaha guriga: Ilaa $659,550 ee aagga 11-degmo ee Metro iyo $637,950 ee dhammaan degmooyinka kale.
Doorashooyinka Deynta Lacagta Hoose iyo Qarashaadka Xiritaanka: Ilaa $18,000 oo la heli karo!
Shuruudaha ugu yar ee dhibcaha deynta.
Shuruudaha lahaanshaha guriga ee degganaansho.
Waxbarashada iibsadaha guriga: Haddii dhammaan iibsadayaasha ay yihiin markii ugu horeysay ay noqonayaam iibsadayaal, ugu yaraan MID ka mid ah waa inuu dhameystiraa koorso waxbarasho oo la ansixiyey ka hor xiritaanka guriga.

Dib-u-Maalgalin

Barnaamijka Step Up waxaa sidoo kale loo isticmaali karaa in dibloo maal galiyo deyntaada guriga ee hadda, wuxuuna siinayaa amaah-bixiyeyaasha ikhtiyaarka inay isticmaalaan Deynta Lacag-Bixinta Billaha si ay u daboolaan qarashaadka xiritaanka. Uma baahnid inaad noqoto amaah-qaate hore oo ka tirsan Minnesota Housing si aad u isticmaasho barnaamijkan, laakiin haddii aad tahay oo aad leedahay mid ka mid ah deynaha labaad ee naga ah, waxaa laga yaabaa inaad awooddo inaad hoos u dhigto marka aad dib-u-maalgasho la sameyso Step Up.

Xeerarka iyo Doorashooyinka Barnaamijka Step Up waxay ka mid noqon karaan:

Xaddidaadaha dakhliga: Ilaa $185,700 iyadoo ku xiran degmo.
Xaddidaadaha qiimaha deynta: Ilaa $659,550 ee aagga 11-degmo ee Metro iyo $637,950 ee dhammaan degmooyinka kale.
Doorashooyinka Deynta Lacagta Hoose iyo Qarashaadka Xiritaanka: Ilaa $18,000 ayaa la heli karaa!
Shuruudaha ugu yar ee dhibcaha deynta.
Shuruudaha lahaanshaha guriga ee degganaansho.

Deymaha Lacagta Hoose iyo Qarashaadka Xiritaanka

Markaad u-qalanto deyn oo aad u-qalanto barnaamijyada Start Up ama Step Up ee Minnesota Housing, waxaa laga yaabaa inaad hesho fursad inaad gasho mid ka mid ah barnaamijyada deynta lacagta hoose iyo qarashaadka xiritaanka.

Deymahan, oo leh lacag gaareysa ilaa $35,000 iyo $18,000, ma ahan deeqo. Barnaamij kasta oo deyn ah wuxuu leeyahay shuruudo u-qalmo, waxaana loo isticmaali karaa oo keliya deynta koowaad ee Minnesota Housing.

Astaamaha ugu waaweyn ee doorashooyinka barnaamijka deynta lacagta hoose iyo qarashaadka xiritaanka:

Shuruudaha	Amaahda Bixinta Bishii	Amaahda Bixinta Dib-u-dhigista (DPL) / Amaahda Bixinta Dib-u-dhigista Plus (DPL+)	Amaahda Iibsadaha Guriga ee Jiilka Kowaad
Helitaanka	Waxaa laga heli karaa barnaamijyada "Start Up" ama "Step Up."	Waxaa laga heli karaa barnaamijka "Start Up" oo kaliya	Lacag xaddidan. ayaa la heli karaa* oo kaliya barnaamijka "Start Up."
Lacagta Amaahda	Inta ugu badan ee amaahda waa $18,000	DPL Illaa $16,500 DPL+ Illaa $18,000	Lacagta ugu badan ee amaahda waa $35,000
Dulsaarka iyo Shuruudaha Dib-u-bixinta	Waqtiga dib-u-bixinta waa 10 sano dulsaarka wuxuu la mid yahay dulsaarka amaahda	Dulsaarka lama bixiyo, sidoo kale lacagaha bil walba lama bixinayo. Bixinta buuxda ayaa la sugayaa dhammaadka waqtiga amaahda.**	Amaahdu waa dib-u-dhigis, la cafin karo. Amaah-qaataha waa inuu buuxiyaa dhammaan shuruudaha si uu u noqdo mid u qalma cafinta amaahda: • 50% waa la cafin karaa 10 sano ka dib taariikhda xiritaanka • Haraaga waa la cafin karaa 20 sano ka dib taariikhda xiritaanka. Haraaga aan la cafin waa in la bixiyaa marka amaah-qaataha u guuro, hantida la iibiyo ama dib loo maalgeliyo (haddii aan loo isticmaalin barnaamijka "Step Up") ama marka amaahda koowaad la bixiyo ka hor dhammaadka shuruudaha amaahda.
Xaddidaadda Dakhliga	kowaad ee Minnesota Housing	La xiriir amaah-bixiye ka qeybqaata	La xiriir amaah-bixiye ka qeybqaata

*Barnaamijka Amaahda Iibsadaha Jiilka Kowaad ee Minnesota wuxuu hayaa maalgelin ku filan ilaa 1,500 amaah-qaate u qalma iyadoo la raacayo nidaamka kan ugu horreeya ugu horreeya adeegga. Barnaamijkan wuxuu ku yimid $50 milyan oo maalgashi ah oo hal mar ah oo ay siisay golaha sharci-dejinta ee Minnesota.

Amaahda lagu bixinayo deynta la sugayo waa in si buuxda loo bixiyo marka waqtiga amaahda dhammaado, ama haddii amaah-qaataha u guuro, hantida la iibiyo ama dib loo maalgeliyo, haddii aan loo isticmaalin barnaamijka "Step Up." Amaahda koowaadna waa in la bixiyo ka hor dhammaadka shuruudaha amaahda.

Helitaanka Amaahda Guriyeynta Minnesota

Get a Minnesota Housing Loan

Isticmaal qalabka raadinta amaah-bixiyeyaasha ee Minnesota Housing si aad u hesho mid ku habboon Lender Search tool.

La xiriir si aad u barato tilmaamaha iyo ikhtiyaarada barnaamijyada ku taxan:
Hel jawaabaha su'aalahaaga.
U sheeg in aad xiiseyneyso inaad la shaqeyso si aad u aragto barnaamijka Minnesota Housing ee adiga kugu habboon

Barnaamijka Shahaadada Amaahda Guryaha (MCC)

Waxaa la joojiyey laga bilaabo 31-ka Diseembar 2017.

Haddii aad horay u haysatay MCC:

Rabto inaad dib-u-maalgeliso? Eeg Frequently Asked Questions for Current MCC holders
Amaah-bixiyayaasha la oggolaaday ee dib-u-maalgelinta MCC: Twin Cities MCC Approved Lenders ama Greater Minnesota MCC Approved Lenders
Have other questions or lost your MCC? Contact Sondra Breneman

Minnesota Housing ma bixiso ama ma abaabusho amaahyo. Ma aha amaah-bixiye ama dayn-bixiye mana laha wax xidhiidh ah oo lala leeyahay amaah-bixiye kasta. Shuruudaha la xiriira macaamilka maaliyadeed ee lagu fulinayo barnaamijyadan, oo ay ku jiraan macluumaadka muhiimka ah sida khidmadaha amaahda, boqolkiiba sanadlaha dulsaarka (APR), shuruudaha dib-u-bixinta, iyo wargelinta kale ee lagu waajibiyay in la siiyo macaamiisha, waxay masuuliyaddeeda saaran tahay amaah-bixiyaha.