Paunotanga kutenga kutenga chikwereti , ita kuti iwe uenzanise zvikwereti zvakafanana kune mumwe nemumwe uye bvunza kuongororwa kubva kune umwe neumwe chikwereti, icho chiri pasi pemitemo ye TRID inofanirwa kupa.
Nenzira iyi, unogona kuenzanisa mari yega yega yemari yekubhadhara chikwereti . Mari yekuvhara kwevatengi vako ingangosanganisira nzvimbo yekukwereta kana maviri. Bvunza mibvunzo kana iwe usinganzwisisi kukosha kwekuvhara nokuti vazhinji vatengi havaiti.
Asati Ataura Nechimbadzi Chikwata
Tora kopi yemhosva yako yekwereti woiongorora. Iwe unofanirwa kubhadhara mari yegore rega rekwereti yemari yechikwereti kubva kune imwe neimwe yezvikwata zvitatu zvekubika chikwereti Kana ukawana kukanganisa, taura nemunhu ane chikwereti kuti aigadzirise. Cherechedza maitiro. Kana iwe uine zvikwereti zvakawanda zvekupedzisira, chikamu chako cheFICO chichave chakaipa.
Ziva kuti kana iwe uine chikamu chakaderera cheFICO , iwe unogona kunge uchida kuwana chikwereti cheFHA , icho chisingavimbi nezvikoro zveFICO . FHA zvikwereti zvinodawo kubhadhara mari shoma se 2.85% yemutengo wekutengesa.
Kutanga kushandura chikwereti chako, uyo anokweretesa achasimbisa basa rako kuburikidza nekuongorora kwemafomu emabasa. Ipa mushandirwi wako musoro-kutarisira kugamuchira iyo fomu.
Kumbira dhipatimendi rako revanhu kuti ritumire pakarepo. Mukuwedzera, uyo anokweretesa achada mapepa anotevera kubva kwauri:
Zvinyorwa Zvinodiwa Kutenga Imba
- Current Pay Stubs
Yako yekupedzisira maviri kubhadhara stubs inokwana. Ita mapepa ekopi uye usaisa zvinyorwa zvako.
- W2s
Uyu ndiwo mubairo wako uye mutero wemitero, wakabudiswa nemushandi wako kwegore rekarenda. Ndizvo zvaunobata pamutero wako unodzoka. Vatengesi vanowanzoda makore maviri ekupedzisira eW2s kubva kwamuri mose.
- Federal Tax Returns
Kana iwe usati waisa mutero wako wekubhadhara kwegore rapera, tsvaga makore maviri apfuura emitero inodzoka. Ita makopi. Itaiwo mahedheni ose. Zano : Iva nechokwadi chokuti mitero inoshandiswa isayinwa newe uye yakanyorwa. - Bank Statements
Vamwe vanokweretesa vanoda mwedzi miviri, asi vamwe vachatsvaka mwedzi mitatu yekupedzisira yezvinyorwa zvebhangi. Ita kopi kubva kune imwe chikwereti chikwereti. Itaiwo mapeji ose emutauro webhangi rimwe nerimwe, kusanganisira mapeji asina kuvhara, zvinyararire sezvinonzwika. Asset Statements
Kana uine zvikwereti, zvibvumirano, mutero wemari kana mabhadharo ekurega mari , ita kopi yeshoko rimwe nerimwe. Vatengesi dzimwe nguva vanosarudza makopi akaoma pamusoro peavo vakadhindwa paIndaneti asi vanobvuma zvinyorwa zvepaIndaneti kana ndizvo zvamunowana mazwi enyu. Ita mapikicha uye usatumira zvinyorwa.- Kopi yeChikwata Chezvino Chekutyaira
Kana uri kusangana nemunhu ari kukweretesa uri mumunhu, unogona kuuya neisensi yako yekufambisa newe kuti uone uye kubereka. Kana zvisina kudaro, kopira reisense yako pane scanner kana kopi yemichina uye uiite. Raisheni yako inofanira kuva nemufananidzo wako.
Bvunza Pamusoro Pokudhura Kwemari
Vakawanda vanokwereta vachakumbira mari yemarikiti , asi vamwe havaiti. Kakawanda, mari yekuongorora uye mari yechikwereti yakabhadharwa inobhadharwa nguva yaunenge wagadzirira kubvuma chikwereti.
Usabhadhara chero mari yekukweretesa kusvikira wakasarudza kushandisa iyo chikwereti.