Tsanangudzo: DU inotsanangurwa inoshandiswa kune desktop pasi pasi uye pasi pekunyora pasi . Iro purogiramu inoshandiswa inoshandiswa nevakweretesi vanotora chikwereti kuti vawane chikwereti kuburikidza nemirayiridzo ya Fannie Mae kune chikwereti chenguva dzose. Desktop underwriter inoshandiswawo kune FHA zvikwereti .
The DU inongova yakafanana nemashoko anopiwa purogiramu. A DU inoratidza chikwereti chemari yekubhadhara mari uye chikwereti-kusvika-mari, inosanganisira zvikamu zvitatu zveFICO .
Vatengesi vanokanda kunze FICO neFICO yepasi uye kuchengetedza pakati FICO.
Iyo DU inoratidzirawo mari yaiye akakwereta (inobva mari yekutenga) nematambudziko sezvinopihwa kune munhu anotora chikwereti. Zvikwereti zvinosanganisira chikwereti chinenge chichiendeswa kune zvikwereti zvekubhadhara chikwereti. Zvigumisiro zvinoratidza zita romunhu akwereta, chikwereti chisina kubhadharwa chechibvumirano, kusanganisira kubhadhara mwedzi pamwedzi.
Chikamu chezvinodikanwa zvedeskriter pasi hapana chikwereti chinogona kusanganisira mari yakakweretwa kutenga imba. Dzimwe nguva, kana chikwereti chisingaoneki muzhepfenyuro pasi pekodzero ndeyekuti chikwereti hachisati chave nemwedzi 12 wekupa nhoroondo. Kazhinji mikana isina kubhadharwa inopesana haizobvumiri pasi pebumbiro rekunyora pasi pasi pasina kubvunzurudzwa nomudzidzi anonyora pasi.
Sezvaunogona kuona, kutarisa kwemunhu pachake kune mamiriro emari yomutengesi, pasina kuongorora. Vatengesi havawanzobudisi DU kune anoshanda pasina kubvumidzwa kunobva kune wakwereta.
Kubhadharwa Kunowanikwa kuDesktop Underwriter
Chikwereti chemari inotora chikwereti vanotanga kubvunza chikwereti kuti vapedze chikwereti chekubhadhara chikwereti, chinowanzozivikanwa se 1003 (gumi-oh-tatu). Mari inoshandiswa kunowanikwa pasi pekunyora pasi haisi kuvimbiswa, uye iyo inhau inokosha yekufunga. Mutengesi anoda kuongorora mutengi we DU kuti aone kana akakwereta aigona kutenga imba yake asina zvigadziro zvekusimbisa, uye uyo anokweretesa haafaniri kuongororwa kuti mari yacho inotanga kushandiswa kwemari.
Vamwe vanhu vachaona rondedzero yeBUS uye vanotenda kuti mari inowanikwa ichinyatsoratidzwa apo iyo haina mari kana basa risina kumbosimbiswa. Yeuka kuti zvipi nezvipi mubasa mumakore maviri ekupedzisira zvinoda tsananguro yakazara yekupfuura zvinyorwa pasi.
FICO Zvikoro Zvinoratidzwa neDesktop Underwriter
Vanokwereta dzimwe nguva vanoenda paIndaneti uye vanotenga FICO mapepa mapepa nokuti havaoni kuti chikwereti chichawana iyo nhamba kuburikidza nekanyora pasi pasi. Mukuwedzera, zvikwereti zvinokweretwa zvinogona kutenga paIndaneti zvinowanzosiyana nezvakawanda zveFICO zvichiti zviri pasi pekanyora pasi pasi, saka zvinogona kuva kuderedza mari kune chikwereti kuti uedze kuunganidza iyo mashoko mberi.
FHA ine zvido zvishoma zvezvikwata zveFICO kupfuura zvikwereti zvinowanzogadzirwa kuna Fannie Mae. Vanokwereta vane zvikwata zvepamusoro zveFICO vanowanzogamuchira rubatsiro rwezasi rwechibereko uye mari yakawanda yekukwereta. Kunyange zvazvo vakwereta vane zvikamu zvepasi zveFICO vanowanzogamuchira mari yepamusoro yemari .
Ratios Inofungidzirwa neDesktop Subwriter
Izvo zvinyorwa zvinonzi sepamberi-kumagumo uye kumucheto. Mhedzisiro yekupedzisira-inogumira inosanganisira iyo yose yekubhadhara chikwereti sezana rehuwandu hwehuwandu hwemwedzi. Iyo PITI yekubhadhara chikwereti inogonawo kusanganisira yega mortgage inshuwarisi kana mutual mortgage inshuwarisi, pamwe chete neHoA pamwedzi pamwedzi kana imba iri pasi pemusangano weimba.
Mari yose yekubhadhara inoenzaniswa nemari yakakwereta yemwedzi wose uye inoratidzirwa sezana. Iyo yakaderera chikamu, zviri nani uyo anenge akwereta anoonekwa semunhu akakwidzirirwa chikwereti. Kana chiyero ichi chakakwirira kwazvo, desktop underwriter haigoni kubvumira.
Nekuda kufadza, kazhinji haisi yepamuviri yepamugumo inouraya chikwata chekubhadhara chikwereti, ndicho chikamu chekupedzisira. Iko kumagumo ekupedzisira kunosanganisira kwete chete mari yekubhadhara dzimba asi yose inokweretesa chikwereti chekubhadhara sezvinoratidzwa kune zvikwereti zvekubhadhara chikwereti. Munhu akwereta anganzwa achigona kutora chikwereti chake chaipo chiripo, asi kana chiyero ichocho chakakwirira kwazvo, dhizha rekunyora pasi haringabvumi kune akakwereta.
Hazvisi zvisizvo kuona zviyero zvemashure ekupedzisira zvinosvika kusvika 50%. Kana 50% yemari yako yakawandisa yemwedzi mumwe nomumwe inoshandiswa kubhadhara chikwereti uye kubhadharwa kweimba itsva, mutengi wemuchenjeri wemusha angakakahadzika kana kutenga imba ikozvino iri mune zvinodiwa nemumwe munhu.
Zvinogona kunge zvine njere kubhadhara zvimwe zvechikwereti ichocho usati wadzorera kubhadhara.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.