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Posted: 26 Jan 2019, 06:32Owning a home is a cherished dream for most. Unfortunately , many find it difficult to fulfill their dreams due to a shortage of finances. If this is what’s preventing you from purchasing a home, you might want to consider learning about first time home buyer loans through mortgage lending specialists like Vahe Hayrapetian.
About the First Time Home Buyer Loans
A first time home buyer loan is a Federal Housing Administration (FHA) loan sponsored by the Department of Housing and Urban Development (HUD). With this loan type, potential homeowners can gain access to the money needed to purchase their own home. First time home buyer loans are guaranteed by the government, although financing is not granted directly by the FHA , but through a variety of traditional lending establishments like banks, credit unions, or approved lenders.
Getting Started
Most first time home buyer loans require a down payment, but at relatively low rates. Conventionally , a 10 to 20 percent down payment is required for a loan, but with first time buyer loans, borrowers can pay as low as 3.5
percent down payment.
The interest rates for first time buyer loans are usually on the average range. However, a borrower’s credit rating can directly affect the actual rate. You should know your credit score before you apply for a first time home buyer loan , and monitor your credit report to ensure there are no inaccuracies that could negatively affect your credit rating. That said, an FHA loan may be granted even to those with less than ideal credit scores.
Get Help
You should also seek loan counseling prior to your first time home buyer loan application so you may receive advise on such important issues as the loans’ terms and conditions, how to improve your credit rating, which mortgage lenders or institutions to choose , etc. Mortgage financing specialists like Vahe Hayrapetian can also give you a good idea on what to expect in owning your first home. Those without the necessary preparations may get overwhelmed by the enormous work involved in home ownership.
Sweat the Details
Buying your first house can be the realization of your dream. As you look at the big picture, be mindful of the little particulars also. Home purchase is a big investment, and even the smallest oversight can come back to haunt you. Learn more about first home buyer loans by visiting portal.hud.govhudportalHUD?src=topicsbuying_a_home.
BEIJING, Aug. 30 (Xinhua) -- China will step up reform to support innovation by removing barriers to entrepreneurship and innovation.
The decision was made at a State Council executive meeting chaired by Premier Li Keqiang on Wednesday.
The meeting decided that the government will roll out a host of reform measures that have been piloted in eight areas , including the Beijing-Tianjin-Hebei region, Shanghai and the Pearl River Delta, since June 2016.
Eligible foreign students with academic background equal to above master's degree could apply for work permit or work-related residence permit. The one-stop application and issuance of work permits for foreign experts will also be made available nationwide.
The meeting also decided to pilot a program in the aforementioned eight areas that allows the foreign experts to apply for permanent residence if their income, tax payment and duration of work in China meet a certain standard.
Chinese leaders have stressed the importance of the innovation-driven development strategy on multiple occasions.
President Xi Jinping said a systematic , comprehensive and coordinated reform should be piloted with innovation-driven development as the target, innovation in science and technology at the core and the removal of systematic and institutional barriers as the main focus of efforts.
Premier Li Keqiang called for major progress in systematic and institutional innovation, with focus on breaking the fragmentation in innovation resources allocation.
"We must give full play to the role of innovation in spurring entrepreneurship and employment, and speed up the transformation of innovation into real productivity ," he said.
The meeting on Wednesday decided to enhance the support to the innovation of SMEs and micro enterprises with more targeted measures. One-stop investment and financing information service for SMEs and the pledge for patent right associated with loans, insurance and risk compensation from the finance will be made available nationwide.
The protection of intellectual property rights will be taken to further heights, with measures to better safeguard legitimate rights of innovators and safeguard their legitimate earnings set to be promoted nationwide.
Such measures include the one-stop service for patent examination, rights protection and verification , the innovation-oriented evaluation and incentive scheme within state-owned enterprises, and flexible remuneration regimes in colleges and research institutes to attract high-calibre talents or talents in urgent need.
"We need to create a good environment for the innovation, which can also provide lasting support to the buoyant momentum of the economy. Innovation-driven development relies on the adjustment in industry and product structure and the transformation in model of development," Li said.
The meeting on Wednesday has also called for local offices of the State Administration of Taxation and local taxation bureaus to further integrate their resources and provide one-stop services.
"We need to create a fair and unprejudiced environment for market competition and enable social creativity to blossom in full ," he said.
"Efforts in cutting red tape, streamlining government function and enhancing compliance oversight over the years have paid off. We need to keep pushing it forward.
About the First Time Home Buyer Loans
A first time home buyer loan is a Federal Housing Administration (FHA) loan sponsored by the Department of Housing and Urban Development (HUD). With this loan type, potential homeowners can gain access to the money needed to purchase their own home. First time home buyer loans are guaranteed by the government, although financing is not granted directly by the FHA , but through a variety of traditional lending establishments like banks, credit unions, or approved lenders.
Getting Started
Most first time home buyer loans require a down payment, but at relatively low rates. Conventionally , a 10 to 20 percent down payment is required for a loan, but with first time buyer loans, borrowers can pay as low as 3.5
percent down payment.
The interest rates for first time buyer loans are usually on the average range. However, a borrower’s credit rating can directly affect the actual rate. You should know your credit score before you apply for a first time home buyer loan , and monitor your credit report to ensure there are no inaccuracies that could negatively affect your credit rating. That said, an FHA loan may be granted even to those with less than ideal credit scores.
Get Help
You should also seek loan counseling prior to your first time home buyer loan application so you may receive advise on such important issues as the loans’ terms and conditions, how to improve your credit rating, which mortgage lenders or institutions to choose , etc. Mortgage financing specialists like Vahe Hayrapetian can also give you a good idea on what to expect in owning your first home. Those without the necessary preparations may get overwhelmed by the enormous work involved in home ownership.
Sweat the Details
Buying your first house can be the realization of your dream. As you look at the big picture, be mindful of the little particulars also. Home purchase is a big investment, and even the smallest oversight can come back to haunt you. Learn more about first home buyer loans by visiting portal.hud.govhudportalHUD?src=topicsbuying_a_home.
BEIJING, Aug. 30 (Xinhua) -- China will step up reform to support innovation by removing barriers to entrepreneurship and innovation.
The decision was made at a State Council executive meeting chaired by Premier Li Keqiang on Wednesday.
The meeting decided that the government will roll out a host of reform measures that have been piloted in eight areas , including the Beijing-Tianjin-Hebei region, Shanghai and the Pearl River Delta, since June 2016.
Eligible foreign students with academic background equal to above master's degree could apply for work permit or work-related residence permit. The one-stop application and issuance of work permits for foreign experts will also be made available nationwide.
The meeting also decided to pilot a program in the aforementioned eight areas that allows the foreign experts to apply for permanent residence if their income, tax payment and duration of work in China meet a certain standard.
Chinese leaders have stressed the importance of the innovation-driven development strategy on multiple occasions.
President Xi Jinping said a systematic , comprehensive and coordinated reform should be piloted with innovation-driven development as the target, innovation in science and technology at the core and the removal of systematic and institutional barriers as the main focus of efforts.
Premier Li Keqiang called for major progress in systematic and institutional innovation, with focus on breaking the fragmentation in innovation resources allocation.
"We must give full play to the role of innovation in spurring entrepreneurship and employment, and speed up the transformation of innovation into real productivity ," he said.
The meeting on Wednesday decided to enhance the support to the innovation of SMEs and micro enterprises with more targeted measures. One-stop investment and financing information service for SMEs and the pledge for patent right associated with loans, insurance and risk compensation from the finance will be made available nationwide.
The protection of intellectual property rights will be taken to further heights, with measures to better safeguard legitimate rights of innovators and safeguard their legitimate earnings set to be promoted nationwide.
Such measures include the one-stop service for patent examination, rights protection and verification , the innovation-oriented evaluation and incentive scheme within state-owned enterprises, and flexible remuneration regimes in colleges and research institutes to attract high-calibre talents or talents in urgent need.
"We need to create a good environment for the innovation, which can also provide lasting support to the buoyant momentum of the economy. Innovation-driven development relies on the adjustment in industry and product structure and the transformation in model of development," Li said.
The meeting on Wednesday has also called for local offices of the State Administration of Taxation and local taxation bureaus to further integrate their resources and provide one-stop services.
"We need to create a fair and unprejudiced environment for market competition and enable social creativity to blossom in full ," he said.
"Efforts in cutting red tape, streamlining government function and enhancing compliance oversight over the years have paid off. We need to keep pushing it forward.