Nzira Yokubvunzurudza Nazvo Mortgage Lender
Usati wapikira kune chikwereti, bvunza mibvunzo iyi gumi yepamusoro yeunogona kutenga chikwereti. Kana iwe usingadi mhinduro dzaunogamuchira, ramba uchitenga kutenga chikwereti kusvikira iwe uwana mutengesi wemari yekukwereta / lender uyo waunonzwa wakasununguka.
Kuti uwane ruzivo rwakarurama, iwe wekutora chikwereti chemari chikwereti chinoda kuwana zvakawanda pamusoro pako. Usatya kugovera zvese zvako zvehupfumi, kusanganisira kupa mvumo kune uyo anokweretesa kuti atange chikwereti chako chekwereti. Yeuka, kunyanya mutengi wako achiziva pamusoro pako, mazano akanaka uye rubatsiro wauchawana.
01 Ndeipi Mhando Yechikwereti yakanakisisa?
Vanokweretesa vanokweretesa vachawana zvakawanda pamusoro penyu vasati varasa kunze kwemari. Iwe haungatarisiri kuti chiremba aratidze kuvhiyiwa asati aongorora mamiriro ako ekurapa, iwe? Sarudza mutengi anounganidza mashoko akakwana kubva kwauri asati ataura rudzi rwechikwereti. Usatya kubvunza chikwereti kuti utsanangure zvinowedzera uye zvinotyisa pamusoro pazvo:
02 Ndeipi Inotarisirwa Nayo uye Gore Negore Percentage Rate
Iko gore rega rega yehuwandu hwemari (APR) inotorwa nenhamba yakaoma iyo inosanganisira chiyero chechido uye mamwe ose akaenzana nemari yemari yakabatanidzwa inoparadzaniswa nemutengo wechikwereti. Zvisinei, funga mupfungwa kuti:
- Vamwe vanokwereta havakwanisi kuverenga APR zvakanaka.
- Hapana imwe nzira yekunyatsorondedzera murairi weAPR wekwereti chinogadziriswa.
- Mupumburu haabvumiri pamusana pezvakaitwa kare .
- Kugadziriswa kazhinji
- Maximum gore rekugadzirisa
- Mutengo wepamusoro (Cap)
- Index
- Margin
03 Ndezvipi Zvikamu Zvokubvisa uye Mavambo Anotangira?
Chimwe nechimwe "chinangwa" chakaenzana ne1 muzana yemari yemari. Nokudaro, 2 inotaura nezve $ 100 000 inokwereta inodhura $ 2,000.
- Dzimwe nguva vatengesi vanobhadhara mari yekutanga kubva kune dzimwe nheyo.
- Points "kutenga pasi" chido chekufarira, zvinoreva kuti iwe unowedzera humwe huwandu huripo huripo, iyo inowedzera chikamu chekufarira.
- Pfungwa dziriwo mutero inobviswa , kunyange kana mutengesi achibhadhara zvimwe kana zvikamu zvose.
04 Ndeapi Zvose Zvinodhura?
Zvose zvinokweretesa chikwereti hazvirevi mari chete inopinda muhomwe yekwereti asiwo yakabhadhara mari yevatengesi vatatu vakadai se:
- Kuongorora
- Chirongwa chekwereti
- Lender's title policy
- Pest inspection reports
- Escrow (apo inoshanda)
- Kurejera mari
- Mitero
Kuongororwa kwemari iyi kunomirira izvo zvino zvinonzi Imari Yakakosha, iyo iyo chikwereti inotarisirwa nemutemo wehurumende kukupa iwe.
05 Chii Chinokweretesa Chikwereti?
Vatengesi vanodikanwa kukupa muongorori wechikwereti, zvakanyatsokwana zvose zvinotengeswa nemari yako. Vatengesi vanodikanwa kuti vanunure chiyero chechikwereti apo sarudzo yapera. Zvinhu zvinotevera 6 zvinowanzodiwa kuti zvigamuchirwe kutanga:
- Zita rekukwereta
- Social Security number
- Inzvimbo yepaimba
- Inofungidzirwa kukosha kweimba
- Mari yechiyero
- Inowanikwa
06 Iwe Unopa Mari Yekubhadhara Mari?
Nhamba dzechido dzinoshanduka dzichichinja uye huchichinja zuva nezuva. Kana iwe une chikonzero chekutenda kuti chido chekutora chiri kufamba, unogona kuvhara chikwereti chako . Vatengesi vanowanzobhadhara zero kune imwe nzvimbo kuti vadzike mari yezvikwereti uye pfungwa. Kumbira lender yako:
- Iwe unokwereta mari yekuvhara mutengo wangu wekuda?
- Ivha-in inodzivirira mari yose yezvikwereti here?
- Kwemakore mangani iwe uchavhara chiyero ichi?
- Ungandipa chikwereti chekubhadhara chikwereti here?
07 Pane Mhosva Yokubhadhara?
Mune dzimwe nyika, chirango chekubhadhara kare hachibvumirwi , saka bvunza. Kazhinji, zvikwereti zvekubhadhara zvikwereti ngaaite chikwereti kuunganidza mamwe mwedzi mitanhatu ye "kuda kufarira" kana iwe uchibhadhara chikwereti kubva kare kuburikidza nekugadziriswa kwekutengesa kweimba yacho. Iva nechokwadi chekubvunza kuti:
- Ndechipi chikwereti chakabhadharwa?
- Ndezvipi zvinyorwa zve prepay? Zvimwe zvinoshanda chete mumakore maviri kusvika mashanu ekukweretesa.
- Ko chibhadharo chekubhadharwa chekubhadhara chingashanda here kana ini ndakarongedza kuburikidza newe pane imwe nguva inotevera?
08 Uri Wakagadzirirwa Kubvumirana Nemari Mhuri Here?
Vanonyora pasi vanoongorora zvikwereti uye vanotora mamiriro ezvinhu vasati vabvumirana kana kuti varambe chikwereti .
- Bvunza kana munhu ane chikwereti achigona kutora zvinyorwa zvake.
- VA uye FHA zvikwereti zvinotora nguva yakareba kuti dzigadzirise, asi vamwe vanokweretesa vanosangana nehurumende vanoda kuti vazvibvumire kana kuti vasingagamuchiri chikwereti pasina kutumira kuVi kana FHA.
09 Inguva Yakadii Yaunoda Kubhadhara?
Avhareji yenguva yekugadzirisa chikwereti inowira pakati pezuva 21 ne45. Kuti unyatsonyora chibvumirano chekutenga , iwe uchada kuisa zuva rokuvhara, uye zuva iroro rinofanira kurongedzwa nemutengi wako. Tsvaga:
10 Unofunga Nekuvhara Nguva?
Dambudziko guru riri kupedza kutengesa kwako panguva. Simba yako yekutenga ichava nezuva rokuvhara, asi zuva iroro rinowanzoenderana nekwereti yekwereti yekuvhara nenguva. Kana uyo anokweretesa asingakwanisi kupedza nenguva, izvi zvinogona kureva mari yakawanda kana matambudziko kune mutengi akadai se:
- Kuwedzerwa kwechido chekuda kana chikoro chacho chinopera
- Zvimwe zvinowedzera mari kuti ubhadhara vatengesi kuti vaite zvekare
- Kurashika kweimba kana mutengo wokubhadhara chikwereti wapera.
Enda kuPeji 2: Mhinduro kune Mortgage Broker Mibvunzo
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.