Nzira yekukweretesa chikwereti neipi yakaipa chikwangwani mushure mekuvhara kana kubhadhara
Vakawanda vanogona kutenga vatengesi vanofunga kuti havagoni kutenga imba kana chikwereti chavo chakanyura, asi izvo hazvisi zvechokwadi.
Kune tariro kune avo vanoda chaizvo kutenga imba, kunyange kana chikwereti chavo chisina kunaka. Ngationei kuti sei.
Iyo yakaipa chikwereti ichimirira nguva mushure mokunge kufungidzira / kubhadhara
- Nguva iri pakati pe bankruptcy filings inenge makore manomwe, asi ding kumushumo wako wechikwereti inogara kwemakore gumi, izvo zvinoguma nezvakaipa chikwereti.
- Nokuda kwemazinga ari nani ane chikwereti chakafanana, chimiro chemakore mana mushure mokutumira kubhadhara kana kutengeswa pfupi .
- FHA mirayiridzo makore maviri mushure mekufananidzira , izvo zvinoreva kuti iwe unogona kukodzera zvakakwana se 3.5% pasi. Makore matatu ane chikwata chakaipa mushure mekutengeswa pfupi . Iyi mitemo inobvumira kwegore rimwe mushure meku "kukodzera" kutengeswa kwemashomanana asi kukwereta kwekwereti kunoramba pfungwa iyi.
- Vanokweretesa mari yakaoma vanowanzoita mari yechikwereti kwemwedzi mitanhatu mushure mekunyora mabhiriji kana kufambisa asi zvingada 20% kusvika 35% mubhadharo pasi nekuda kwechikwereti chakaipa. Nharaunda inofarira ichave yakakwirira kwazvo uye mazwi echikwereti haasi akanaka; vazhinji vachava nezvikwereti zvekubhadhara uye vanozogadziriswa.
- Subprime vatengesi (kwete kuti vavhiringidzwe nevanobhadharira mari yakaoma) kazhinji havatori zvikwereti zvemazana zana zvemari, kunyange nekuda kwechikwereti chakaipa.
Nzira yekuvandudza yako yakaipa chikwereti kuti uwane chikwereti chakafanana
Kunyangwe iwe ungafunga kuti chikwereti chako chakaipa hachikubvumiri iwe kubva pakutenga imba, izvozvi zvingave zvisina kururama. Usanyore mikana yako yekutenga imba ine yakaipa chikwereti nekuda kwekuti iwe unotenda izvi zvisina kururama.
Taura nemunhu anotengesa chikwereti uyo anonyanya kubatsira kubhadhara nekwereti yakaipa kutenga imba.
- Wana kadhi rechikwereti chikuru. Zviri nyore kuwana kupfuura iwe waizofunga shure kwekuputsa, nokuda kwezvikonzero zvitatu: kubhadhara bhadhaki kunokupa "kutanga kutanga", uyo anokweretesa unoziva kuti hauna chikwereti uye haugoni kuisa bhadhaki zvakare kune mamwe makore manomwe.
- Ratidza basa rakasimba mubasa kwemakore maviri kusvika kumakore.
- Gamuchira mubhadharo wenguva dzose kana mubhadharo (izvi hazvirevi kumabasa-ega).
- Chengetedza kubhadhara kwekutora kweanenge 10%.
- Dzivisa kunonoka kubhadhara uye uenderere kubhadhara zvikwereti zvako panguva; usapinda shure.
Maitiro eFICO anokanganisa kudiwa kwemari kana kutenga musha ane chikwereti chakaipa
Takataura naEvelyne Jamet kuVitek Mortgage pamusoro pekusiyana pakati pezvikwata zveFICO uye kuti iyo inobata sei nevariro yevakwereti inokweretwa. Nhamba dzinotevera dzinofananidzwa nemari inotora chikwereti kune chikwereti ne 600 FICO chikamu chaizoripira uyo asina kuisa bhadhadzi kana kurasikirwa neimba yekare yekusvitsa. Iyi mamiriro ezvinhu anotora chikwereti nezvakaipa chikwereti chiri kuisa pasi 10% yemutengo wekutenga mumari uye yakasangana nezvinodiwa zvekugadzirira pamusoro apa.
- FICO Chikamu che 600 kusvika ku640: + 1,625% pamusoro pehuwandu hwehuwandu. Izvi zvinoreva kana munhu akwereta ane chikwereti chakanaka ari kubhadhara 5.875%, chikwereti chako chakanaka chichava 7.5%.
Mari inokwana madhora mazana maviri nemakumi maviri ($ 200,000) yakabhadharwa pa7,5% ichakupa mutero wemwedzi we $ 1,398.
- FICO Chikamu che 560 kusvika ku580: + 2.875% pamusoro pehuwandu hwehuwandu. Izvi zvinoreva kana uyo akakwereta ane chikwereti chakanaka ari kubhadhara 5.875%, chikwereti chako chakanaka chaizova 8.75%.
Mari inokwana madhora mazana maviri nemakumi maviri ($ 200,000) yakabhadharwa pa 8,75% ichakupa mubhadharo wemwedzi we $ 1,573.
- FICO Chikamu che 540 kusvika ku559 : + 3.425% pamusoro pehuwandu hwehuwandu. Izvi zvinoreva kana uyo akakwereta ane chikwereti chakanaka ari kubhadhara 5.875%, chikwereti chako chekuda chichava 9.3%.
Mari inokwana madhora 200 000 yakabhadharwa pa 9,3% yaizopa mubhadharo wemwedzi we $ 1,653.
- FICO Chikamu Pasi 540 kusvika 500: + 3.875% pamusoro pehuwandu hwehuwandu. Izvi zvinoreva kana uyo akwereta ane chikwereti chakanaka ari kubhadhara 5.875%, chikwereti chako chakanaka chichava 9.75%.
Mari inokwana $ 200,000 yemari yakabhadharwa pa 9,75% ichakupa mubhadharo wemwedzi we $ 1,718.
- FICO Chikamu Pasi 500: + 6.25% pamusoro pehuwandu hwehuwandu. Izvi zvinoreva kana uyo akakwereta ane chikwereti chakanaka ari kubhadhara 5.875%, chikwereti chako chekuda chikava 12%. NeFICO iri pasi pe500, iwe haugone kuwana chikwereti che 90%, asi iwe unogona kukodzera chikwereti che 65%, naizvozvo iwe unoda kuwedzera yako pasi kubhadhara kubva 10% kusvika 35%.
Mari inokwana madhora mazana maviri emadhora mazana maviri nemazana maviri (12) ichakupa mubhadharo wemwedzi we $ 2,057.
Kufananidza zvakafanana FICO nevanokwereta vasina chekuvhara kana kubhadhara
Munhu akwereta asina kubhadhara kana kufanirwa ne 600 FICO angagamuchira chikwereti chezvikwereti zve 5,875% (zvichibva pane zvataurwa pamusoro apa) uye kubhadhara mutero wegore negore we $ 1183 pane $ 200,000 chikwereti chakabhadharwa. Iwe unogona kuona kuti kuisa chikwereti kana kuve nekutaridzika pane rekodhi yako, kunyange neFICO chikamu che 600, zvinoguma nekuwedzera mubhadharo yekutenga mari ye $ 215 pane iyo yevakwereta pasina kubhadhara kana kufanirwa. Zvisinei, musiyano iwoyo mukubhadhara uchatendera iwe kutenga imba.
Zvimwe kune Bhengi-Kubhadhara Kwekuipa Kwechikwereti
Vanokwereta vasina kugutsikana nechiyero chinopiwa nemunhu anenge achikwereta angada kutarisa kutenga imba neine mutengesi mari . Nhamba zvibvumirano zvinopa imwe nzira inobatsira. Kazhinji, mutengesi mari inowedzera:
- Hapana anofanirwa
- Nharaunda inowanikwa pasi
- Zvinyoro zvinyorwa uye kuderedza chikwereti
- Kuvhara nekukurumidza
Iwe unoda kutarisa nemutengi wako gore negore kana kuti kuti uwane kana iwe unokodzera kugadziriswa pamutengo wakaderera.
DISCLOSURE: Vitek Mortgage inoshandiswa mutengesi nokuda kwekushanda kwangu mari uye inofarira ukama hwakabatana neLyon Real Estate. Evelyne Jamet anotarisira zvikwereti chete muNew Mexico, Colorado, neKalifornia uye anopa vakwereta nekutadza kubhadhara chikwereti kune FHA chikwereti chekutengesa chikwereti.
Panguva yekunyora, Elizabeth Weintraub, DRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.