Zvinosuruvarisa, hapana mhinduro yep pat nekuti sarudzo yakakunakira iwe inobva pahupenyu hwako, rudzi rwehupfumi hwaunoda kutenga uye kuti iyo chikwereti inotengesa sei pakati pevanhu vanokweretesa.
Iwe unogona kuwana chikwereti kubva kune zvakasiyana-siyana zvakadai se:
Mortgage Brokers
Inenge 25% yezvikwereti zvose zvemaimba zvinowanikwa muUnited States zvinobva kune chikwereti chavatengesi. Izvi zvikamu zvakaderera muhafu kubva muna 2006. Mutengesi wekutengesa chikwereti ari pakati-munhu anounza pamwe vakweretesi nevakwereta. A mortgage broker dzimwe nguva angava mari yokubhadhara mari, asi haasi iyo yose inotora chikwereti mabhengi.
Imba vatengesi vese vanoshanda nevakweretesi vakasiyana, dzimwe nguva mazana. Zvakakosha kubvunza pamusoro pemhando dzakasiyana-siyana dzezvinhu zvakapiwa sezvo izvi zvichasiyana kubva kune mutengesi kune mutengesi. Zvisarudzo zvako zvinoenderana nehuwandu hwehutano hwehushandi.
- Mari inobhadharwa nemutengi kana mutengi kana zvose.
- Mari ye "par" inoreva kuti mutengi haari kubhadhara mari.
- Imba vatengesi vanogonawo kushanda se "up-front" mortgage vatengesi, zvichireva kuti vachakurukurirana mari yakananga nemutengi mukutsinhana kwekutenga kwepasi (wholesale) interest rate & fees.
Commercial Commercial Mortgage Bankers
Mari dzekutengeserana mabhengi, sezvaungangodaro wakafungidzira, shanda kubhengi. Zvinogona kureva bhengi rimwe chete, asi zvikwereti zvavanoita zvikwereti zvebhengi, zvinowanikwa mari nebhangi.
- Mari inowanzosanzwisisiki uye inogadziriswa nemabhengi ehurumende.
- Mishonga yechikwereti inogumira kune avo bhengi rinopa.
- Mubhengi haafaniri kubvumirwa kune vakawanda vanodiwa kuti vanyorwe nere registry.
Mabhizimisi Emabhizimisi
Citigroup, Bank of America, uye Wells Fargo mienzaniso yakaisvonaka yemabhengi anozivikanwa. Mabhizimisi ezvokutengeserana anopa mabasa akasiyana-siyana. Chaizvoizvo, iwe unogona kunge uine bhangi yakaita seyi munharaunda yako.
- Chinyorwa chinobva mubhizinesi haisi kuita zvikwereti zvemari.
- Bhidha yemari inokwikwidzana.
- Bhengi yako inogona kukupa tsvina kana kuti kukurudzira chikwereti chako kana iwe uchichengetedza chekuongorora kana kuchengetedza kamba pane iyo sangano.
Savings & Loan Associations
Kuchengetedza uye kubhadhara zvikwereti zvinogamuchira kubva kune vatengi mumakero ekuchengetedza / mari yemakemari uye kubhadhara chikwereti kune avo maakaiti. Kuti kudzivisa kudzoka zvakare seS & L dambudziko muma1980, Mutungamiri Bush muna 1989 akasaina Mari yezveMari Reform Reform, Recovery, uye Enforcement Act ya 1989 (FIRREA). Mari zhinji yekuchengetera uye zvikwereti iko zvino inotungamirirwa neDhipatimendi reMari yeUnited States, Office of Thrift Supervision.
- Chinyorwa chinobva bhizinesi chiri kuita zvikwereti zvemaimba.
- Kuchengetedza uye zvikwereti hazviiti bhizinesi kana bhizimusi rezvemabhizimisi asi kunokweretesa zvinangwa zvokuvaka, zvekutenga kana kumusha.
- Nzira yekuwana chikwereti iri nyore nyore kupfuura kuenda kunzvimbo yebhizimisi .
Zvikwereti Zvekodhi
Aya masangano anogara achirwiswa nekukweretesa makwikwi nokuti zvikwereti zvekwereti hazvibhadhari mitero yemitero uye kunakidzwa nemimwe mitero inobhadhara iyo mamwe masangano ekukweretesa haaiti. Zvinoumbwa neboka revanhu vane ruzivo rwakafanana rwakafanana nehurumende yehurumende uye vashandi vezvidzidzo zvemunharaunda kana mapoka ezvitendero.
- Mitereji inofanira kusangana nekodzero yekufanirwa kuve nhengo.
- Nharaunda uye nheyo dzinowanzove dzakakosha uye dzinokwikwidzana.
- Zvizhinji zvezvikwereti zvinotengeswa hazvitengesi zvikwereti zvekubhadhara mari pamusika wechipiri .
Private Individual
Chero ani zvake ane mari mubhangi anogona kukugadzirira chikwereti chemuzinda chero bedzi paanoteerera mitemo yehurumende uye yezvehurumende pamusoro pezvinhu zvakadai semitengo yezvikwereti, mari, uye zvimhosva, uye kupa zvinyorwa zvinodiwa zviri pamutemo.
Stock Brokerages & Online Lenders
Iwe unogona kushamisika kuziva kuti kambani inoshandisa IRAs yako kana mutual funds kana yekuchengetedza kwekutsvaga inowanzoitawo zvikwereti zvemari . Mazita mashomanana anonyatsozivikanwa ndiwo Capital One, Charles Schwab, uye Ditech.
Panguva yekunyora, Elizabeth Weintraub, DRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.
- Mutengesi anogona kutakura zvinodhaka zvekubhadhara zvakadai sekubhadhara chikwereti, kutendwa kana chibvumirano chevhu .
- Hapana kuongorora kana mutemo wepamusoro unogona kudiwa, asi iwe unofanirwa kuwana kuongorora nekudzivirira musoro.
- Muridzi wemari anoshanda zvakanakisisa pane zvivako zvisina rusununguko uye zvakajeka nokuti chikwereti chiripo chingangove chine chikamu chekuparadzanisa.
- Kana iwe uchida kubatana maoko nemukuru wako wechikwereti iwe pachako, mutero wekutsvaga paIndaneti angasave iwe.
- Vashandi veIndaneti vanoratidzika sevari kushanda zvakanakisisa kune vakagadziriswa vakwereta vane mazano makuru eFICO vanoziva chaizvo zvavari kuda.
- Taurai makambani anoremekedzwa uye anozivikanwa ane nzvimbo dzakachengeteka, uye gara kure nevhenyi-ne-usiku vashandi.