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Code · BILL · 113th Congress · H.R. 3550 (Introduced in House) — To stabilize the housing and banking sectors by eliminating policies that distort markets and facilitate risky lendin... · Sec. 142

Sec. 142. Increase in FHA downpayment requirement

278 words·~1 min read·/bill/113/hr/3550/ih/section-142·

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Subparagraph
(A)of section 203(b)(9) of the National Housing Act ( 12 U.S.C. 1709(b)(9)(A) ) is amended— by striking
(A)and inserting the following: In general .—A mortgage A mortgage ; by striking 3.5 percent of the appraised value of the property and inserting the percentage of the appraised value of the property specified in clause
(ii); and by adding at the end the following new clause: The percentage of the appraised value of a property specified in this clause is— for a mortgage insured under this section after the date of the enactment of the New Fair Deal Banking and Housing Stability Act of 2013 , 5.0 percent, subject to subclauses
(II)through (V); for a mortgage insured under this section after the expiration of the 1-year period beginning on the date of the enactment of the New Fair Deal Banking and Housing Stability Act of 2013 , 6.5 percent, subject to subclauses
(III)through (V); for a mortgage insured under this section after the expiration of the 2-year period beginning on the date of the enactment of the New Fair Deal Banking and Housing Stability Act of 2013 , 8.0 percent, subject to subclauses
(IV)and (V); for a mortgage insured under this section after the expiration of the 3-year period beginning on the date of the enactment of the New Fair Deal Banking and Housing Stability Act of 2013 , 9.5 percent, subject to subclause (V); and for a mortgage insured under this section after the expiration of the 4-year period beginning on the date of the enactment of the New Fair Deal Banking and Housing Stability Act of 2013 , 11.0 percent. .
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Sec. 142
Increase in FHA downpayment requirement
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