Mawaniro Aungaita Mari Inenge Usina FICO Score
Kana iwe uine mukana wekuti uwane chikwereti chakakwirira uye yakawanda yemari, iwe uchaona mushandi wako wekukwereta uende nokukurumidza.
Asi kwete vose vanogara munyika iyoyo.
Nzira iyo Underwriting Manual Inoshanda
Bhuku iri pasi pekunyora ibhuku rinoshandiswa (kusingapesana nekugadzirisa nzira) yekuongorora kukosha kwako kubhadhara chikwereti. Mutero wako achapa munhu kuti aongorore chikumbiro chako, kusanganisira magwaro anotsigira kukwanisa kwako kubhadhara (zvakadai sematatimendi ebhangi, kubhadhara stubs, nezvimwe). Kana munyori wekunyora pasi aona kuti iwe unogona kubhadhara chikwereti, iwe uchabvumirwa.
Chinoita Kuti Iwe Bhuku Rinodiwa Rive Rakanyorwa
Zvikwereti zvizhinji zvemusha zvinogamuchirwa zvishoma kana zvishoma nekombiyuta: kana ukasangana nedzimwe nzira, chikwereti chichagamuchirwa. Semuenzaniso, vateresi vari kutsvaga chikwereti chikoro chepamusoro pane imwe nzvimbo. Kana uwandu hwako hwakanyanyisa, iwe uchatambidzwa. Saizvozvowo, vateresi vanowanzoda kuona chikwereti kune mari inopera pasi kupfuura 31/43. Zvisinei, "mari" inogona kuva yakaoma kurondedzera, uye wako anokweretesa angave asingakwanisi kuverenga mari yako yose.
Makombiyuta akarongedzwa kushanda pamwe nehuwandu hwevakwereta uye mapurogiramu echikwata avanowanzoshandisa.
Aya maitiro akazvigadziriswa anonzi Underwriting Systems (AUS) anoita kuti zvive nyore kune vakakweretesa kugadzirisa zvikwereti zvakawanda pavanenge vachiita kuti zvikwereti zviwane mitemo yevatengesi nevatongi.
Semuenzaniso, FNMA neFHA zvikwereti (pakati pevamwe) zvinoda kuti zvikwereti zvikwanise kufanana nezvimwe zviitiko, uye vanhu vakawanda vanokodzera zvakajeka mukati kana kunze kwebhokisi.
Uyezve, vateresi vanogona kunge vane mitemo yavo (kana kuti "kuputira") izvo zvinoremedza kupfuura FHA zvinoda.
Kana zvose zvikafamba zvakanaka, kombiyuta inopfira mvumo . Asi kana pane chakaipa, chikwereti chako chichagamuchira "Refer" kukurudzira, uye inofanira kuongororwa kunze kweAUS.
Ndezvipi zvinogona kukanganisa kushanda kwako?
Chikwereti chisina-mararamiro: Chinokosha chekukurukura chikwereti chikoro nderhoroondo yekukwereta nekubhadhara chikwereti. Asi vamwe vanhu vanosarudza kurarama vasina chikwereti , izvo zvinogona kuva nyore uye zvisingadhuri. Zvinosuruvarisa, chikwereti chako chichapedzisira chichizadza pamwe chete nemari yako inofarira. Hakusi kuti une chikwereti chakashata - hauna chikwereti zvachose (zvakanaka kana chakaipa). Kunyange zvakadaro, zvinokwanisika kutenga chikwereti pasina FICO chikamu kana iwe uchienda uchinyorwa pasi. Kutaura zvazviri, kusina chikwereti kunogona kuva nani pane kuva nezvinhu zvisina kunaka sekubhadhara mukwereti yemari.
Yatsva kune chikwereti: Kuvaka chikwereti kunotora makore akawanda . Kana iwe uchiri mune izvi, iwe unogona kusarudza pakati pekumirira kutenga uye zvinyorwa zvinyorwa pasi. Nekwereti yemusha mumakero enyu emari, iwe unogona kukurumidza kuita chirongwa chekuvaka chikwereti nokuti uri kuwedzera mukusanganiswa kwezvikwereti mufaira rako.
Zvinetso zvemari zvenguva ichangopfuura: Kuwana chikwereti mushure mekupera kana kubviswa hakusi kunze kwemubvunzo.
Pasi pemamwe mapurogiramu eHUD, unogona kugamuchirwa mukati megore kana maviri - usina kunyora pasi. Zvisinei, kunyora pasi kunonyora zvimwe zvinogona kukwereta, kunyanya kana dambudziko rako rezvemari raive razvino (asi iwe wakadzokera kumakumbo ako). Kuwana chikwereti chakakosha nechikwereti chikwereti pasi pe 640 (kana kunyange chakakwirira kudarika icho) chakaoma, asi kunyora pasi pasi kunogona kuita kuti zviitike.
Chikwereti chakakosha kusvika kune mari yekuwana mari: Kuchenjera kuchengetedza iwe kushandisa mari yakaderera kune yako yaunowana, asi kune dzimwe mhaka apo chikwereti chikuru kune mari inowanikwa inonzwisisika. Uine bhuku rinonyorwa pasi, unogona kuenda kumusoro - izvo zvinowanzoreva kuti mune zvimwe zvingasarudzwa zvinowanika mumisika yemunharaunda. Ngwarira kungotarisa zvakanyanya uye kutenga pfuma inodhura iyo ichakusiya iwe "imba inoshayiwa."
Nzira Yokugamuchirwa Sei?
Sezvo usina chikwereti chechikwereti kana mufananidzo wepfuma kuti uwane mvumo, ndezvipi zvinobatsira rubatsiro rwako?
Iwe unonyanya kuda kushandisa chero chaunogona kuti uratidze kuti unoda uye unokwanisa kudzorera chikwereti. Kuti uite kudaro, unonyatsoda kukwanisa kutenga chikwereti - iwe unoda mari yakakwana, zvinhu, kana imwe nzira yekuratidza kuti iwe unogona kutora chikwereti.
Mumwe munhu ari kutora kunyatsotarisa nezvemari yako, uye urongwa huchava hunovhiringidza uye hunopedza nguva. Usati watanga, iva nechokwadi chokuti iwe unoda chaizvo kupfuurira kuburikidza nekuita (ona kana iwe unogona kugamuchirwa nekwereti yakakosha). Tora nhamba yemari yako kuitira kuti iwe ugone kukurukura zvinodiwa nemutengi wako, kuitira kuti iwe utange musoro kutanga kuunganidza ruzivo rwavanoda.
Nhoroondo yekubhadhara: Unogona kuratidza here kuti uri kuita zvimwe zvikwereti pa-nguva mugore rapfuura? Marikiti yemitemo inotarisa pamari yako yekubhadhara (pakati pezvimwe zvinhu), uye iwe unoda kuratidzira maitiro ekubhadhara akafanana uchishandisa nzvimbo dzakasiyana. Zvikwereti zvakakura zvakadai sokubhadhara uye dzimwe dzimba dzekubhadharira zvakanakisisa, asi mashandisirwo, masangano, uye mari yemishuwarenzi inogonawo kubatsira. Zvakanaka, iwe uchatora zvimwe zvikwereti zvina zvawave uchitora-nguva kwemwedzi 12.
Utano hwakaderera kubhadhara: Kubhadhara pasi kunoderedza kukweretesa kwako kune chikwereti. Zvinoratidza kuti iwe une ganda mumutambo, uye unovapa muchengeti - kana vachida kutora imba yako mukugadzirisa , havangambokwanisi kurasikirwa nemari apo iwe unowedzera kubhadhara. Kunyanya iwe unowedzera zviri nani, uye 20 muzana inowanzoonekwa seyakanaka kubhadhara (kunyange iwe unogona kuita zvishoma). Uine pasi pe20 peresenti, iwe unogonawo kubhadhara mari yega mortgage inshuwarisi (PMI), iyo inongoita kuti zvinhu zvive zvakaoma kwauri iwe nemutengi wako. Kuti uwane mazano ekuuya nemari iyoyo, verenga zvakawanda pamusoro pekushandisa nekuchengetedza kwekubhadhara pasi .
Chikwereti kune mari inobhadharwa: Kubvumirwa nguva dzose zviri nyore nekushamwaridzana. Izvozvo zvakati, zvinyorwa zvinyorwa zvinogona kushandiswa kuwana ruzivo nepamusoro-soro - zvichida zvakakwirira se 40/50, zvichienderana nekwereti yako nezvimwe zvinhu.
Hurongwa hwehurongwa hwehurumende: mikana yako yekubvumirwa yakanakisisa nehurongwa hwehurumende huripo. Somuenzaniso, FHA, VA, uye USDA chikwereti hachina ngozi kune vanokweretesa. Yeuka kuti havasi vese vanokweretesa vanoita zvinyorwa zvinyorwa, saka iwe unogona kutengesa kunotenga chikwereti chinoita - uye chinoshanda nehurongwa hwehurumende huri kutarisa. Kana ukawana "kwete," panogona kunge pane mumwe munhu kunze uko.
Mari inochengetwa: iwe uchada kuisa pasi chunk guru rekushandura sekubhadhara pasi, asi kuchenjera kuva nezvimwe zvekuchengetedza pamaoko - uye zvigaro zvinogona kukubatsira kuti uwane mvumo. Vatengesi vanoda kuve vakasununguka kuti munogona kuwana zvidhakwa zviduku zvakadai semvura inopisa inopisa kana kuti mari inotarisirwa mune zvekurapa.
Kubhadhara Zvinhu
"Kupa zvikonzero" kuita kuti shanduro yako iwedzere kunakidza, uye inogona kudiwa . Aya ndiwo mazano akajeka anorondedzerwa nevakweretesi kana mapurogiramu ekukweretesa, uye umwe neumwe wamunosangana unoita kuti zvive nyore kugamuchirwa. Icho chirevo pamusoro apa chinofanira kushanda muchidimbu chako, uye zvakananga zveFHA mubhuku rinonyorwa pasi rakanyorwa pasi apa.
Zvichienderana nekwereti yako chikwereti uye chikwereti chekuwana mari, iwe unogona kugutsa chimwe chezvinhu izvozvi zvinoda kubvumirwa neFHA.
- Nzvimbo dzekuchengetera: Zvigadziro zvinoshandiswa izvo zvichavhara mari yako yekubhadhara kwemakore matatu. Kana uri kutenga chivigiro chikuru (zvitatu kusvika kuchina mauniti), iwe uchada zvakakwana kwemwedzi mitanhatu. Mari yaunogamuchira sechipo kana chikwereti haigoni kuverengwa semari.
- Chiitiko: Mari yako (kana yakagamuchirwa) haikwanisi kupfuudza mari yako yemaimba iripo zvishoma ne5 muzana ye $ 100. Chinangwa chacho ndechokuti urege kukurumidza kuwedzera ("kushamiswa kwekubhadhara") kana kubhadhara mwedzi mumwe wausina kujaira.
- Hapana chikwata chekuregerera: Kana iwe uchibhadhara yako yose makadhi echikwereti zvakakwana, iwe hausi chikwereti chaicho - asi iwe wakave nemukana wokukwereta chikwereti kana uchida. Zvinosuruvarisa, mararamiro asina zvikwereti zvachose haakubatsiri pano.
- Zvimwe zvinowanikwa: Mune zvimwe zviitiko, automated underwriting haigoni kuverenga nguva yakawanda, nguva yekuwana, uye zvimwe zvinhu sechikamu chemari yako. Zvisinei, nekunyorera zvinyorwa zvinyorwa, iwe unogona kukwanisa kuwana mari yakakwirira (chero bedzi iwe unogona kunyora mari uye unogona kutarisira kuti ienderere mberi).
- Zvimwe zvinhu: Maererano nemari yako, zvimwe zvikonzero zvinogona kubatsira. Nenzira yakawanda, pfungwa yacho inoratidza kuti chikwereti hachizove mutoro uye iwe unogona kubhadhara. Kugadzikana mubasa rako hakunzwisisi, uye zvimwe zvigadziriswa kupfuura zvinodiwa zvinogona kuitawo kusiyana.
Mazano eNzira
Rongedza hurongwa hunotora nguva uye hunopedza nguva. Munhu chaiye unoda kupfuurira kuburikidza nemabhuku aunopa uye otarisa kana kana iwe usingakodzeri chikwereti - izvi zvinotora nguva.
Mifananidzo yakawanda: Kuwana chikwereti nguva dzose kunoda zvinyorwa. Bhuku rinonyorwa pasi rinoda zvimwe. Tarisira kugadzira zvose zvinyorwa zvingafungidzirwa zvezvemari, uye chengeta zvinyorwa zvezvose zvaunotumira (kana uchida kudzorera zvakare). Iwe uchada mari yekugara paystubs uye yebhangi, asi iwe unogonawo kunyora kana kupa tsamba dzinotsanangura mamiriro ako uye kubatsira mubatsiri wako kuti ave nechokwadi chechokwadi.
Kuita kumusha: Kana uri kupa chikwata, ita munguva yakawanda yekunyora pasi musati wapedza. Itai mari yekuita mari kuitira kuti mugone kuwana mari yenyu yakasimba kana musangano wenyu wakarambidzwa (taurirana nemugoti wenyu weimba yekutengesa kuti unzwisise zvaunosarudza). Kunyanya mumatengesi anopisa, unogona kunge usina kukodzera sevengi kana uri kushandisa zvinyorwa pasi.
Ongorora dzimwe nzira: Kana bhuku rinonyorwa pasi risingashandi kwauri, pane dzimwe nzira dzokuwana dzimba. Vatori vemari vane mari yakawanda vanogona kunge vari mhinduro yechinguva apo iwe uri kuvaka chikwereti kana kumirira zvinhu zvisina kunaka kuti uwane chikamu chako chekwereti. Munhu anokweretesa wega wega, co-borrower, kana cosigner (kana akasarudzwa zvine musoro) angavewo chisarudzo. Pakupedzisira, iwe ungasarudza kuti zvinongonzwisisika kukwereta kusvikira wava kukwanisa kugamuchirwa.