Chengeta yako DHA Faira Usati Ugovana Mashoko
Sezvo vatengesi vepamba vanove vakanyanyisa kunzwisisika pamusoro pekutengesa imba , vazhinji vari kukumbira wakwereta kuti aende kune imwe danho rinowedzera uye kupa DC pamwe chete nechipo ichocho chekutenga. Makore apfuura, pamberi peInternet, vatengesi vangave vasina kumbonzwa nezveBAD, iyo iri pfupi-pfupi yedhizha rekunyora pasi. Zvisinei, kuziva chiremba uye kuziva kududzira zvarinowana zvinhu zviviri zvakasiyana. Mumwe angave achida rubatsiro rwekwereti yekutenga chikwereti kuti atsanangure DU iri mumutauro wakafanana.
Chii chinonzi DU?
A DU kana pasi pepawriter inopa mari yakakwana yemari yemunhu akwereta. Icho chiri chimiro chekunyora pasi pasi rakagadzirirwa na Fannie Mae asi rinoshandiswawo kune FHA chikwereti . Chikamu chekutanga chekutanga chinoratidza vateresi 'ratios, zvose zviri mberi uye kumagumo ekupedzisira. Mhedzisiro yekupedzisira ndiyo inenge yebhadharo yekubhadhara chikwereti, kusanganisira mitero uye inshuwarisi, kurwisana nemutengo wekukwereta wemwedzi mumwe nomumwe. Nhamba iyi inowanzotumidzwa sehuwandu hwemari yeimba.
Iti, somuenzaniso, munhu akwereta anowana madhora madhora makumi matanhatu nemakumi mana pagore, iyo inenge iri madhora 6 666.67 pamwedzi. Nhamba ye $ 2,379.33 yePITI (kusanganisira private mortgage inshuwarisi kana PMI) yaizoenzanisa neimba yehutano ye 35.69%. Kana uyo anenge akwereta anewo chikwereti chinowedzera kune imwezve $ 252 pamwedzi, izvo zvinounza chikamu chekupedzisira, kana kuti chikamu chemari yose, kusvika ku39.48%.
Motokari yemari inowanzova tsvina yakasvibiswa iyo inokonzera aizotenga mutengo kuti ive yakakosha zvikuru kuti atone kutenga imba.
Iyo DU inogonawo kudana zvimwe zvikwereti kuti zvidzimiswe kana kuti zvibhadzwe vasati vavhara. Zvinogona kuzivisa kutengesa kutsva kana kuzarura, izvo, kunyange zvazvo nguva dzemajeri dzingazosangana, munyori wechiri pasi pazvikamu zvekupedzisira zvekuongorora anogona kukaramba chikwereti.
IA DU inonyora mavheji akawanda, zvikwereti zvisina kubhadharwa uye kubhadhara kwemwedzi apo uyo akatora chikwereti anotarisira kuti akakwereta kuripa.
Icho chinyorwa munguva yenguva yemari yechikwereti nemari sezvakataurwa nevamwe vatengesi nemunhu anenge akwereta pamushandirapiro wechikwereti, uyo unonzi gumi-oh-matatu (1003).
Dzimwe nguva uyo anokweretesa chikwereti achakwevera LP, iyo inomirira Loan Prospector. Izvi zvinoshandiswa naFreddie Mac, uye zvaanoda zvakasiyana zvakasiyana. Semuenzaniso, zvinodiwa zvegore zviviri zvebasa zvinogona kuderedzwa kusvika kune rimwe gore pane LP. Uyezve, kana mwanasikana achitenga imba nevabereki vake, anokweretesa angashandisa LP nokuti inobvumira kuti mapato ose ave akakodzera sekuti muridzi anotora panzvimbo yeasina muridzi wekugara. Muridzi-anotora mutengo wekuderera uri pasi kudarika vasiri muridzi wekugara.
Kushandisa DU kuti Ipe Mutengi muEdge Panguva Yakawanda Inopa Hurukuro.
Vatengi kazhinji vanononoka pamusoro pezvizhinji zvinopa mamiriro ezvinhu uye dzimwe nguva vanofungidzira kuti zvinopesana nazvo kana kuti mujeri ari kuedza kuparadza mutengesi, asi zvipo zvizhinji zvinowanikwa chaizvo uye zvinoitika zvakanyanya mumisika yevatengesi. Chinhu chacho ndechokuti iwe uri kunze kutarisa imba yakanaka, saka kune vamwe 20 vatengi. Kunyange zvazvo kwete mutengi wose achatarisa imba yaunoda kutenga, zvakakwana zvezvo zvichaita zvinopfuura imwechete. Chero nokuti pane zvakawanda zvinopiwa hapana chikonzero chekusiya uye kutaura kukundwa.
Iwe unogona kukunda mvumo yekupa mamiriro ezvinhu nekungoga kunze kwevamwe vatengi.
Imwe nzira yekuzvienzanisa nayo ndeyokuratidza mutengesi mari. Vatengesi vanoda kuziva kuti mutengi anokwanisa kutenga imba yavo uye akazvitsaurirwa kumushandisirwo. Bhuku rekuisa chivharo chevhavhareta kana tsamba yekufananidza haisi nguva yakakwana. Vose vanotaura zvakangofanana chinhu chimwechete - kuti mutengi anokwanisa kupa nzvimbo iyo pachayo kuongorora uye inoteerera kune mirayiridzo. A DU inzira yekuvaratidza mari. Inopfuura kupfuura mari, yaunogona kupa nekusanganisira mabhoti ebhengi, uye inoratidza mifananidzo yako yemari, kusanganisira zvikwata zvako zveFICO .
Apo vatengesi vanoverenga kuburikidza neDU, mutengesi angave asinganzwisisi zvose, asi mutengesi achaziva kuti chikwata chakasimba cheFICO chinoratidza chikwereti chakakwirira.
Kune rumwe rutivi, kana zvikwata zvako zveFICO zvakaderera pane zvaunowanzoita, ungasada kupa iyo mashoko kune mutengesi. Iyi sarudzo inoshanda zvakanakisisa pakati pevakakwereta zvakakosha.
Vamwe venyu vangave vachishamisika kuti sei munhu achingonetseka nekuwana DU kuti ave nechokwadi chekodzero yekubhadhara chikwereti apo mutengi ari kuisa pasi 20% kana kupfuura mune mari. Asi funga mupfungwa kuti dzimwe nguva chikwereti chemunhu akwereta chakaipa kwazvo zvokuti nzira chete yomukwereti ichakodzera mutengi ndeye kana mutengi achiisa pasi guru rekushandura. Muchikamu chepasi pasi haisi nguva dzose chiratidzo chechikwereti chakaipa. Tora a VA mutengesi wemari , somuenzaniso, anoisa zero. Zvinotarisirwa kuwana mari yekubhadhara pasina kubhadhara kunowanzopfuura zvakanyanya kupfuura kune avo vanoisa pasi zvishoma. Le DU inongodzorera kuda kwako mumasikati uye machena, uye iwe unogona kutengesa bhati yako bhippy iyo mumwe mutengi asingafungi kuti aizoipa.
Panguva yekunyora, Elizabeth Weintraub, BRE # 00697006, ndiye Broker-Associate kuLyon Real Estate kuSacramento, California