Chirongwa Chekuita Kuderedza Refinancing Mikopo

Zvaunoda Kuti Uzvizive Usati Wafungisisa Reba yako VA

Chirongwa Chekuda Kuderedza Refinancing Loan (IRRRL) inopa ikozvino VA mortgage holders mukana wakanaka kwazvo wekushandisa zvakaderera pasi pekubhadhara mari. Asi usati watana chikwereti chako, kune zvinhu zvishomanana zvaunoda kuziva.

1. Nhamba itsva yekutambira inofanira kuva yakaderera pane yako iripo. Kuita kuti zvive zvakakosha iwe chibereko chako chitsva chinofanira kunge chave chikamu 1 muzana yepamusoro pfupi pane yako iripo.

1. Mitemo. Kunze kwekuderedza chikwereti chako chekuda, iwe unogona kukwanisa kushandura izwi rechikwereti chako. Somuenzaniso, unogona kuenda kubva kune chikwereti chemakore makumi matatu kusvika kune chikwereti chemakore gumi nemashanu. Kunyange zvazvo izvi zvichange zvichikuchengetedza zvakawanda zvekufadzwa pamusoro pehupenyu hwechikwereti, kukanganisika kwokuti kubhadhara kwako kwemwedzi kuchave kwakanyanya kudarika zvaive.
2. Pasi purogiramu yeRRRR, haugoni kuwana mari yemari kubva pakuchenesa. Izvi zvinoreva kuti kana iwe uripo wakatora chikwereti chiri $ 90,000 haungabvumirwi kukwereta imwezve $ 20,000 pamusoro pehutano hweimba yako yegadziriro yekugadzirisa. Pane, kunyange zvakadaro, chimwe chinhu chiduku: iwe unogona kuwedzera kusvika ku $ 6,000 kuti ugone kushanda nesimba.
3. Certificate yeEgligible . Iwe haufaniri kudzokera zvakare kune CoE. Uyu anokweretesa achakwanisa kugamuchira chisimbiso kubva kune VA electronically.
4. Kuongorora uye chikoro chekuongorora. IV haina kutora kuongorora kana chekwere chekuongorora. Zvisinei, chikwereti chako chingave chinoda imwe kana kuti zvose zvinyorwa izvi.

1. Kana yako ikozvino inotora chikwereti ndeye FHA kana chikwereti chakareruka (mune mamwe mazwi, haisi chikwereti cha VA), haungakwanisi kugadzirisa kuburikidza nepurogiramu yeRRRR.
2. Chechipiri mari yekugadzirisa. Iwe haugoni kuunganidza yako iripo yekutenga uye yechipiri chikwereti pasi pe IRRRL program.
3. Mari. Iwe haufaniri kubhadhara mari yepamusoro. Zvose zvinodhura zvinodhura (mari yakawanda, etc.) zvinogona kuvakwa mune chikwereti.

1. Kusiyana nekutenda kwakakurumbira, iwe haufaniri kunatsiridza nemunhu anokweretesa anotsigira chako chaipo chiripo. Chero chero chikwereti chinogona kukupa IRRRL. Zvisinei, nguva dzose iri pfungwa yakanaka kutarisa nemari yako yezvino. Kana iwe ukatora chikwereti chako kune imwe nzvimbo, yako chikwereti chemazuva ano chicharasikirwa chero zvikwereti zvavakaita pane chikwereti chako. Vanogona kunge vachida kukupa basa rakanakisisa kuti uchengetedze bhizinesi rako.
2. Tenga zvakapoteredza. Tinokurudzira kuti uone nevanenge vatatu vateresi usati wawana IRRRL yako ichienderera mberi. Mari, mazwi, uye mari zvinogona kusiyana zvakasiyana.
3. Chenjerera. Zvinosuruvarisa, vamwe vanokweretesa vasina kukanganisa vanopamba veterans. Maererano neAV, "Vamwe vanokweretesa vangati VA inoda mari yekuvhara mari yekubhadhara uye yakabatanidzwa muchikwereti. Imari chete inotarisirwa neVV ndiyo mari yekubhadhara imwe yehafu yezana yemari yemari inogona kubhadharwa mumari kana kuiswa mune chikwereti. "

Refinancing haisi iyo nzira yakanakisisa yevanhu vose. Zvisinei, kune vimba vemunharaunda vanoda kupedza mari yavo yekubhadhara mari, kunyanya kana yavo yezvinodiwa yekutora inenge inenge 1 peresenti yepamusoro pamusoro pemutengo wekuenda, inogona kunge iri sarudzo inofanirwa kutarisa.

Yakarongwa neArmin Brott, Chivabvu 2016