Ndezvipi zvinyorwa zvandinoda kuti ndiwane zvekugadziriswa kweMatongerwo emutemo?
Kopi yelayisensi yekufambisa
Makore maviri azere mitero yakadzoka - mapeji ose uye mapurogiramu ose
Zviviri zvinowanikwa munguva pfupi yekubhadhara mabheji ane gore-to-date kubhadhara
Zvinyorwa zviviri zvezvinokosha zvemafaji - mapeji ose ane huwandu hwekutengeserana
Kopi yepa mortgage statement kana iwe parizvino uri wega
Tsvaga ruzivo rwemumiririri we inshuwarisi
Zvichida boka remamwe magwaro zvakare
Ko mutengesi angabhadhara zvakadini mari yangu yekuvhara?
Kazhinji mutengesi anokwanisa kubhadhara 3% yemutengo wekutengesa pakuvhara. Kana iwe ukaisa mubhadharo pasi pe10% vanogona kubhadhara kusvika 6% kusvika pakuvhara kwako. Izvi zviri kufunga kuti imba yako yekutenga ndeyokugara pokutanga. Mari yekutsvaga inotorwa kune 2% mutengesi anotenderwa kubhadhara kugadzirisa mari.
Hapana chekodzero dzevatengesi inogona kushandiswa kusvika pasi kubhadhara. Kubhadhara kuripo kunouya kubva kumari yako uye / kana zvipo.
Ndeapi marudzi emisha yandingatenga neChristal financing?
Zvikwereti zvinowirirana zvinokubvumira kuti utenge misha isina mhuri yemhuri, condos, masimba ekutsvaga, townhomes, lofts uye 2 dzimba dzezororo.
Zvakanaka zvikuru chero chinhu chiri muzinda wekugara mumba mako. Iwe unogona, semuenzaniso, uine dambudziko rekubhadhara mari ye log log muLos Angeles nokuti izvi zvakajeka hazvirevi dzimba yekutengesa kuRA yemakethe.
Ndichava ne mortgage inshuwarisi here?
Hungu (kazhinji), kunze kwekuti iwe uise 20% pasi .
Iko kune mapurogiramu ezvokutenga asingatengi pasina mortgage inshuwarisi. Zvisinei, idzi zvikwereti zvekubhadhara zvinowanzogadzirirwa kumaderera kana kuenzanisa mari yemhuri uye inoshandiswa kugutsa federal Community Reinvestment Mutemo zvinodiwa zvinowanikwa pamahombekombe makuru.
Izvi zvinosanganisira mwedzi unochengeterwa mortgage inshuwarisi, mari yekutengesa mortgage inshuwarisi kana chikwereti chakabhadhara mortgage inshuwarisi
Nezvo zvakati, chikamu chemunharaunda mortgage inshuwarimendi (PMI) iwe ucharipa ndeye zvachose yakakonzerwa nedambudziko rako rekutengesa kune bhangi.
Chikwereti chikamu pamucheto wezasi wegungano rekubhadhara mari inowedzera mari yako inowedzera mwedzi wekupedzisira kune PMI. Ndizvo zvakafanana nezvekwereti-kune-kuwana mari inobvumirana iyo inobvumira zvakagamuchirwa 45% iyo Fannie Mae naFreddie Mac vanosarudza.
Ndinofanira kutora imba yekuongorora here?
Hungu, nguva dzose iri pfungwa yakanaka yekuwana imba yekuongorora usati watenga imba. Nenzira iyo iwe unoziva pakarepo kana pane nyaya dzipi neimba yaunofunga kutenga kutenga.
Icho ndechimwe chezvinhu zvinoshanda zvekutengesa mutengo wematengo. Zvinetso zvingasakudzivisa iwe kubva padzimba, asi vanogona kukubvumira kuderedza mutengo wakanaka kana iwe uchitamba makadhi ako zvakarurama.
Zvinotora nguva yakareba sei kutenga imba?
Iko nguva yakatarwa yokutenga inenge mazuva makumi matatu kunyange zvazvo federally itsva (CFPB) inorayira mitemo yekuzivisa ichaita kuti iwedzere nguva inoda kuvhara apo inoshandiswa kumavira kwe 2015.
Iyi festi yezuva makumi matatu inotorawo kuti iwe une zvinyorwa zvako zvose zviripo, inopa mashoko akajeka uye anovimbiswa pane yako mortgage application uye urambe uchishingaira mukukudza mamwe mazvinyorwa zvikumbiro izvo, pasina mubvunzo, zvinobva kunyore pasi.
Inobatsirawo kana ukaronga kuongorora kwako nekukurumidza. Upfront.
Ndechipi chikamu chechido chakatarwa?
Inhara yekutambira iwe unokodzera kubhadhara inobva pangozi yaunopa. Nhamba iyo yengozi inotariswa zvikurukuru nezviitiko zvinotevera: chikwereti chikoro, kubhadhara chikwereti, rudzi rwechikwereti, mortgage inshuwarisi kana hapana mortgage inshuwarisi uye yezvino bhizimusi yemari.
Zvose izvi zvinosanganiswa zvinotora chikamu munharaunda yekutora iwe unokodzera kuwana.