Nzira yekuti Underwriter Inogona Sei Kuda Mari Yenyu?
Vashandi vekumba avo vakamboratidzwa kare nguva yakaoma zvikuru kunzwisisa kuti nei vachigona kukanganwa mukunyora pasi. Vanotenda kuti nokuti chikwereti chakavapa tsamba yekufananidza yavakakwanisa uye vakakwanisa kutenga imba. Tsamba yekufananidza inoreva kuti vanoita sevanofanirwa asi kusvika pasi pekunyora kuongorora faira uye kunyatsorongedza mamiriro avo ega, pane nzira dzakawanda iyo yakabvumirwa chikwereti chakabvumirwa inogona kukanganiswa kunze kwekunyora pasi pasina kubvumirwa.
Vatengi Vazhinji Vanogamuchirwa, Asi Vamwe Havana
Ichokwadi kuti vazhinji vanotenga kumusha vasina kuziva zvinhu zvinogona kuipa mukunyora pasi zvinogona kunge zvichibatsira mune imwe nzira, nokuti havazivi zvakakwana kuti vave nekutya. Vazhinji vatengi vanobvumirwa, asi vamwe havaiti. Avo avo vanorambwa vanowanzozvitora zvakaoma zvikuru, kunyanya dai vakanga vasina kugadzirira iyo nhau. Havasi kazhinji vanoudzwa kuti zvinokwanisika kuti havazogoni kutora chikwereti. Mugove wavo weimba yekutengesa haazive, uye uyo anokweretesa anotarisa tariro kune zvakanakisisa.
Zvinhu Zvingakonzera Mhindu Yako
Vanokwereta vanowanzofunga kuti nekuda kwezvavaripo pane zvose zvinokweretwa chikwereti chikwereti kuti vane chikwereti chakaisvonaka. Havafungi nezvezvibvumirano zvakadaro sezvikwereti-kune-kuwana mari uye mari yekupedzisira, uye kuti makore gumi ekupedzisira ekubvisa chikwereti angakanganisa sei FICO chikamu. Kutevera ndeimwe yezvinhu zvinogona kuipa mukunyora pasi uye kuti izvo zvingakanganisa sei kukwereta kukwanisa kugamuchirwa kubhadhara.
A Low Appraisal
Nhamba imwechete iyo inogona kufamba zvisina kunaka mukunyora pasi ndeye kuongorora . Chero kuongororwa kwehutano kunogona kuguma nekuongorora kwakaderera kana munyori wechiri pasi angave achikumbira kuongororwa kwekuongorororwa nomumwe mudzidzi wepamberi asati agamuchirwa. Kune nzira dzekukwikwidza kuderedzwa kwepasi, asi nguva yakawanda iyo muchengeti wechikoro achakunda.
Kana mutengi asina mari yekubhadhara musiyano uye mutengesi anoramba kuderedza mutengo, kutengesa kunenge kuchiripo kunogona kubvisa.
Uyezve, kana kuongorora kwekutanga kuchiratidzira mutengo wekutenga asi kuongorora kwechipiri kwakaderera, faira yacho inogona kunge yakarambwa nemunyori wechirungu. Maitiro acho achaonekwa seasina kufanana. Mimwe mhando dzezvikwereti zvinorambidza kuongorora kwechitatu kuburikidza nekupa nhamba yenyaya, naizvozvo haisi kufanana nemunhu anenge akwereta anogona kungoshanda pane imwe chikwereti uye kubhadhara kuongorora patsva.
Iyo Pfuma Haikwanise Kubhadharwa Kwemari
Pamusoro pezvimwe zvinhu zvinogona kukanganisa mukunyora pasi ndeyekuti nzvimbo yacho pachayo isingakwanisi kubhadhara mari. Mudzidzisi anogona kuratidza kuti zvimwe zvivako hazvisi kufanana kana mudzidzi wekushandisa haagoni kuwana mvumo yekugadziriswa , kana kuti kusagadziridzwa kusina kubvumirwa kungada kuti kugadziriswa kwakakwana kuunza imba kusvika kune kodeji, kana kuti imba inogona kuonekwa isingagariki.
Zvikamu zvisina kutsanangurwa muHurumende yeMabasa uye Zvimwe Zvimwe Zvebasa-Jobo
Chimwe chinetso chikuru pamusoro pezvinhu zvinogona kuitika zvisina kukodzera mukunyora pasi zvinosanganisira basa remabasa. Iko kusinganzwisisikidzika kwepano kuripo kune yakwereta yebasa renhoroondo here? Akakwereta akashandura mabasa mukati memakore maviri akapfuura uye nzvimbo itsva haisi mukati memutsara iwoyo webasa here?
Anokwereta mushandi wenguva pfupi uye asati agadziriswa here? Iko kambani inogona kunge yakarambidza vashandi munguva yemberi iri pedyo? Munguva ichangopfuura munyori wechirungu akaudza munhu akakwereta kuti chikwereti chake chaizorambwa kana asingakwanisi kuwana tsamba kubva kumushandi wake, State of California, achivimbisa kuti haazovhiringidziki mumakore matatu anotevera. Pretty much impossible.
Zvose zvemari inoshandiswa kuti zvikwanisire kutora chikwereti chinoda kunyorwa nevanoshandira. Kana mushandi anogamuchira mabhonasi, makomisheni kana nguva yakawedzerwa yepamusoro iyo isiri iyo yakavimbiswa, uyo akakwereta angasazobvumirwa kushandisa iyo mari yakawedzerwa kuitira zvinangwa.
Zvimwe Zviitiko Zvisingatarisirwi
Zvimwe zvezvimwe zvikonzero zvakakonzera kuti zvinhu zvisakanganise mukunyora pasi zvinowanzoshamisika zvakakwana kune wakwereta. Anokwereta angave asingazivi kuwanda kwemamwe marudzi ematambudziko uye kuti angakanganisa sei chikwereti.
Mumwe akwereta akanga akagadzirira kubuda kubva pasi pasi apo paakaona kuti akanga asati arambana. Akafunga kuti kurambana kwake kwakapedzeredzwa asi yakanga isiri. Nguva yake yekuva mudzimai wekare-kare yakaramba kusaina chibvumirano chekuregera , saka wakwereta haaikwanisa kugamuchirwa kuti atore chikwereti.
Mumwe akwereta akawana kutongwa kwaari kwakangoerekana kwaonekwa izvo zvakanyorwa kune imwe nyika. Kudzoka mumazuva ekare, pamberi pezera re digital uye nekuvandudza kukurukurirana, chimwe chinhu chakadai chakanga chisingawaniki. Kwete nhasi.
Munhu akwereta asina kutora mutero wekubhadhara kana asina kutumira chikwereti uye akabhadhara mitero inokodzera, kana iripo, haingazoiti kuti iite pasi pekunyora, kana.
Kutengesa Pfupi kana Kutengesa
Kana wakambove nekutengeswa kwepfupi kana kufambisa mukati mune imwe nguva, izvo zvingave zvakakwana kukakanda faira yako kunze kwekunyorera pasi. Kazhinji, FHA vateresi vanonyanya kunyatsotarisana nezvenguva inotarisirwa kutenga imwe imba mushure mokutengeswa kwekambani kana kutengesa, asi vateresi vanowanzogona kuramba faira yenyu yekunyora pasi nekuda kwezvikonzero izvi kana vachida. Zvisingatauri, zvimwe zvishomanana kutengesa zvinonzi zvichitadza sezvakafananidzwa.
Bheji yako yakanakisisa yekudzivisa kubata zvinhu zvinogona kuipa mukunyora pasi ndekuzarura nhoroondo yako yese yezvemari kumunhu anokweretesa usati watanga chikwereti chako chekutanga. Kumbira murikwereti kuti aone chikwereti chako. Ita yako mitero inoshandiswa, chengetedza chikwereti chakachena uye usashandise mari yako yekutenga kana kuwedzera kune kadhi rechikwereti chikwereti pakati penguva yaunoita kupa uye kugamuchirwa nekunyora pasi.
Panguva yekunyora, Elizabeth Weintraub, BRE # 00697006, ndiye Broker-Associate kuLyon Real Estate kuSacramento, California.