Vashandi vechikwereti havazobvumirwi kushandisa mazwi aya nemitsara panguva yekutenga kwako kumba. Vashandi vepamberi vangave vachivashandisawo. asi ivo vangangodaro vasina kukanganisa zvachose uye vachikusiya mune imwe nzvimbo yakafambira mberi yekudengenyeka.
Usambofa uchitya, zvakadaro.
Tine zvese zvaunoda - mumamiriro akakodzera - akarondedzerwa pasi apa. Kuiverenga, kuinyora, kugovana, kuida.
Mortgage Lingo
Kuchinja Kwekuda Kwemari Mari (ARM):
Mari nezviyero zvakatarwa-nguva (kazhinji 5, makore manomwe kana gumi). Mushure mekugadziriswa kwemazuva, chikwereti chenharaunda yako inogona kuchinja kamwe chete pagore - zvichikwira kana pasi zvichienderana nemamiriro emisika. ARM dzinenge dzichigara dzichiderera muhuwandu kupfuura zvigadziriswa zvikwereti uye dzinokwanisa kupa mari huru kune vekutanga vatengesi veimba, kunyanya avo vasingarongi kugara muimba yavo yekutanga kwemakore anopfuura gumi.
Amamiti:
Kuderedza kuderera kwechikwereti pane nguva yechikwereti. Kuita mari kunowanikwa kuburikidza nokubhadhara kwevakuru.
Mutengo Wegore Negore (APR):
Mutengo wegore wekutora chikwereti kusanganisira kufarira uye zvimwe zvikwereti kana zvikwereti zvakadai sedare rega mortgage inshuwarisi uye pfungwa dzakaratidzwa se peresenti.
Kuongorora:
Kuongororwa kwakaongororwa kwehuwandu hwemaoko yekozvino yemusika.
Kuvhara:
Mhedziso yekutengeserana kwako kwemaimba kana magwaro epamutemo asayinwa uye mari inodzingwa.
Kuvhara Mari:
Zvinodhura pamusoro pezvinodhura zveimba, izvo zvingasanganisira zvinhu zvakadai sedhizha rehutano, kuongorora, kushandiswa, kunyora pasi uye kuongorora mari.
Credit Report:
Mushumo unobva kuhurumende yakasununguka inotaura nezvekwereti yekwereti uye chikwereti chakare uye chazvino kuti chibatsire kutsvaga chikwereti.
Credit Score:
A mathematical formula inofanirwa kubhadhara chikwereti kubva kune chikwereti chekadhi rechikwereti, chikwereti chakakosha, rudzi rwekwereti, kubhadhara, kubhadhara kwekupedzisira, kutongwa kwekuunganidza, zvishoma zvishoma zvemari chikwereti uye mitsara yakawanda yekwereti.
Zita:
Dare repamutemo rinoshandura pfuma kubva kune mumwe muridzi kune rimwe.
Kubhadhara Kuno:
Iyi ndiyo mhindu yemutengo wekutenga wemusha wako waunofambisa mberi.
Mari Yakakwana:
Dhipatimendi yakagadzirwa nemutengi kumutero wakadzika kuti aratidze rutendo rwakanaka apo chibvumirano chokutenga chisina kunyorwa.
Equity:
Kusiyana kwemari pakati pekutora chikwereti chako uye mari chaiyo yemari yeimba yako.
FHA Chikwereti:
Fixed- kana kuti inogadziriswa-yemari yemari inopihwa neFederal Housing Administration. FHA zvikwereti zvakagadzirirwa kugadzirisa dzimba dzinogona kutengesa, kunyanya kune vatengi vekutanga vatengesi vemusha.
Fixed-Rate Mortgages:
Imba inotora chikwereti chekuda uye chikwereti chisingachinje pane nguva yechikwereti. Ikozvino mari yekutengeswa kwechikwereti inowira pasi pemutengo wako wakatarwa, taura iwe unyanzvi hwekubhadhara mari pakarepo kuti ukurukure kubatsira kwekunatsiridza.
Kutenda Kwakanaka Kwazvo:
Kunyora kuongororwa kwekuvhara mari inokweretwa nemunhu anenge akwereta angatofanira kuripa kuti awane chikwereti. Ichaparadzana kunze kweAugust 1, 2015 kuitira kuti (zvinonzi) nyore nyore kunzwisisa "LOAN DISCLOSURE" nyandiko.
Chikwereti-Chikwereti Chete:
Imba inopa iwe sarudzo yekubhadhara kungofarira, kana kufarira uye zvakakosha zvikuru sezvaunoda mumwedzi chero ipi zvayo panguva yekutanga nguva.
Mutengo Wechido:
Iko muzana wehuwandu hwekuti mutengi anokwereta mari.
Kuvhara kana Kuvhara:
A chikwereti chechikwereti chechido chekuda kwekanguva chenguva. Iko-iyo inokuchengetedza pauwandu hwekuwedzera munguva iyoyo.
Points (kana kuti Zvikamu Zvokudzikinura):
Pfungwa dziripamusoro mari dzinotambirwa kunokweretwa kune chikwereti pakuvhara. Kazhinji, imwe pfungwa inokwana chikamu chimwe chezana rako rose rechikwereti. Points and interest rates are inherently linked. Kuwedzera kwemashoko iwe unobhadhara, iyo inoderedza chikamu chako chekufarira.
Pre-Approbation:
Tinoputsa chikamu chakakosha chetengi yekutsvaga kwekutsika pasi zvakadzama uko kune uko.
Principal:
Kuyera (kwete kuverenga chikwereti) chikwereti chikwereti.
30 gore rakagadziridzwa-chireji mabheji anoshandiswa kuitira kuti iwe uwedzere kuva nechikwereti, iwe unonyanya kukosha iwe kuderedza nebhadharo rimwe nerimwe.
Private Mortgage Insurance (PMI):
Inishuwarenzi kuti dzidzivirire chikwereti kana munhu akakwereta achikanganisa chikwereti. Nezvikwereti zvinowanzoitika, PMI haisi kudiwa nekutora kwekubhadhara kwe20% kana kupfuura kwekutenga kwemutengo wemusha.
Tsvaga Tsvaga:
Kuongororwa kwemarekhodi emunharaunda kuti ave nechokwadi chokuti mutengesi ndiye mutemo wepamutemo weimba uye kuti hapana zvibvumirano kana zvimwe zvinopesana neimba.
Underwriting:
Mukubhadhara chikwereti, chirongwa chekugadzirisa njodzi dzinobatanidzwa mune imwe chikwereti uye nekugadza mitemo yakakodzera nemamiriro ekukweretesa.