Zvechokwadi iwe uchadaro, uye zvichida nokukurumidza kupfuura iwe unofunga.
Vamwe vanokweretesa, sa kadhi rechikwereti uye vamwe vatengesi vemotokari, vachakutora mukana kana iwe uchangobva kubhadhara.
Iwe uchabhadhara chikwata chapamusoro chekuda, uye mazwi acho haafaniri kunge akanaka sezvaunoda, asi chikwereti chinowanikwa kune vakawanda vekare vaibhadhara chikwereti.
Hazvisi nyore kana uri kutaura pamusoro pezvinhu zvakawanda-titi seimba. Vanotora chikwereti chikwereti nevarindi vanoda kuve nechokwadi kuti havazoregereri zvigadziro kuburikidza nekukweretesa kune munhu asina kugadzirira basa reimba. Nokudaro, kazhinji havazobvumirwi nezvikwereti mushure mokunge munhu anenge akwereta awana kubhadhara mari. Pachava nenguva yekumirira inogona kunge yakaita segore rimwe chete kana yakawanda semakore mana.
Munguva iyo nguva yekumirira, unofanira kuchengeta yako itsva yekudziridza rekodhi rechikwereti yakachena. Kana iwe ukapinda mumatambudziko, ungafanira kutangazve yeawa. Somuenzaniso, kana chikwereti chako chakafanirwa gore mushure mekunge bhengi rako rabudiswa, iwe uchava nedzimwe nguva kumirira usati wasvika. Kupfuura izvozvo, munhu wese anokweretesa kana muchengeti ane zvigadziro zvake.
Chengeta Zvinyorwa Zvako Zvemari
Nhanho yako yekutanga inofanira kuva yekuongorora zvikwereti zvekwereti. Iwe unogona kuwana kopi yepachena yemashoko ako rimwe kamwe pagore pa www.annualcreditreport.com. Shandisa zvikwereti zvekwereti kuti uone kuti chikwereti chako chakanyorwa chakanzi "chinowanikwa mubhengi." Chero zvikwereti makadhi akabudiswa asi asingazviratidzi, zvinogona kukuvadza chikwereti chako kunyanya.
Tanga Pre-Yakakodzera
Kana uchinge wanyatsoziva kuti zvikwereti zvako zvikwereti zvakarurama, funga kuwana munhu akafanirwa kubhadhara chikwereti kuburikidza nemutengi wako waunoda. Uine matambudziko uye marwadzo pamusoro pekwereti yako yekwereti, iwe unogona kudiwa kuti upe tsanangudzo kana kubudisa uchapupu hwokuti wakagadzirisa zvakare chikwereti chakanaka. Izvi zvinogona kutora nguva. Pre-qualification ingakubatsira kukuponesa kubva pakuora mwoyo kukuru paunowana imba yezviroto zvako.
Popular Popular Lending Programs
Ngatimbokurukurai zvimwe zvido zvamuchafanira kusangana nazvo kune mamwe mapurogiramu anodiwa zvikuru ekukweretesa nevatsigiri.
FHA
FHA ine zvinyorwa zvakasiyana zveChitsauko 7 neChitsauko 13.
Chitsauko 7: Kana iwe ukaisa Chitsauko 7 chakasununguka uye wakagamuchira kubudiswa, unofanira kutarisira makore maviri kubva pazuva rawakasununguka usati wabvunza chikwereti cheFHA chakatsigirwa. Asi izvi zvishoma. FHA haina kupa zvikwereti zvakananga kune vatengi. Inotsigira zvikwereti zvakagadzirwa nemabhengi emabhizimisi. Kazhinji mabhenji achaisa zvikwereti kana kuti zviduku zvinotarisirwa zvakanyanya kudarika izvo zvinonzi FHA kana mamwe masangano ehurumende ane nzvimbo. Mabanki mazhinji anoda kuti iwe kumirira makore matatu usati washandisa.
Chitsauko 13: Mashoko akanaka pano. MuChitsauko 13 nyaya, iwe uchabhadhara muchivanze kwemakore matatu kusvika mashanu kubhadhara pasi kana kubhadhara chikwereti chako.
Iwe haufaniri kumirira kusvika makore maviri mushure mekunge bankruptcy inoshanda. Ichokwadi, haufaniri kumirira kubhadhara kwapera. Chero bedzi waita chikamu chako cheChitsauko 13 panguva yegore, unokwanisa kukodzera chikwereti cheFHA.
Paunenge uri muChitsauko 13, mararamiro ako ehupfumi anotungamirirwa nedare rekudarika. Kunyange kana iwe uchibvumirwa nebhangi rako uye neFHA, dare rekubhadhara uye Chitsauko 13 mutongi anozofanira kuenzanisa kuti uone kuti hausi kutora basa rakawanda kupfuura iwe unogona kutarisira.
Dzidza zvakanyanya paFHA Mitemo yeMari yeVateresi mushure mekudhinda Bankruptcy.
Veterans Administration
Nguva inotarisirwa kuti zvikwereti zveA VA zvifanane nezvinodiwa neFHA, asi nemamwe hoops kudonha kuburikidza asati agamuchirwa.
Chitsauko 7: Makore maviri mushure mekunge makagamuchira Chitsauko 7 kubudiswa kwako, unogona kushanda kweAV chikwereti.
Mumakore maviri iwayo, unofanira kutora matanho ekugadzirisa zvakare chikwereti chakanaka. Iwe uchazobvunzwawo kuti upe tsanangudzo yeChitsauko 7 kubhadhara, uye kuratidza kuti mari yako inogadzikana.
Chitsauko 13: Unofanirwa kuratidza gore reku-bankruptcy chirongwa chekubhadhara kuitira kuti uwane chikwereti cheimba yeV VA, uye iwe unofanira kutambira mvumo yebhadhara.
Heino muongorori wakanaka weV VA chikwereti chekubhadhara: VA Kubvumirwa Kwekubhadhara shure kweBhangeruptcy kana Foreclosure.
Fannie, Freddie, naGinnie
Zvikwereti zvikwereti zvekuAmerica zvinowanikwa kana kuti zvakachengetedzwa nehurumende dzinobhadhara mari, Fannie Mae, Freddie Mac, kana Ginnie Mae. Vaya vatsigiri vane zvikwereti zvakafanana zvekubhadhara zvinodiwa kune vakwereta vakaisa zvikwereti. Aya ndiwo mazano. Mari yako yekutenga chikwereti kana kutengesa chikwereti inogona kukubatsira nemashoko chaiwo.
Mukuwedzera pane nguva yekumirira, masangano aya anoda kuti vateresi varatidze kuti vakadzorerazve chikwereti mushure mokunge vafa.
Chitsauko 7: Nguva yekumirira ndeye makore mana, kana makore maviri ane mamiriro ezvinhu akawandisa (avo kunze kwekutora chikwereti). Chimiro chekunyatsotarisa mamiriro ezvinhu chaizova kukanganisa uye kupererwa kwemabasa, kana nyaya dzezvehutano.
Chitsauko 13: Nguva yekumirira makore maviri kubva pakubuda uye makore mana kubva pakudzingwa, kana makore maviri kubva pakudzingwa nemamiriro ezvinhu akawandisa.
Multiple Bankruptcy Filings
Kana iwe uine kudarika imwe chete mukati memakore manomwe apfuura, nguva yekumirira makore mashanu kubva pakusunungurwa kwemazuva ano kana makore matatu ane maitiro akawandisa.
Tarisa ichi chikwata chinobva kuna Fannie Mae: Chikwereti Chikwereti Chakanyora .
Uye iyi kubva kuna Freddie Mac: Zviyeuchidzo zvekunyoresa .
Mamwe Makomborero Anowanikwa
Kunyange zvazvo huwandu hwezvikwereti zvemusha muUnited States huine kana kuti huripo nehumwe hurumende dzakanyorwa pano, zvinenge zvichikwanisika kuwana chikwereti kubva kubhengi rekuno pasina kusungirwa kwehurumende. Mune zviitiko izvi, uyo anokweretesa anozogadzirisa matanho ake okukweretesa kwevanhu vakambofanira kukonzera kambani yekukanganisika kana kuti vakafanirwa kutengesa, kutengeswa kwenguva pfupi, kana chiito panzvimbo yekufananidzira. Iwe uchada kutarisa nemunhu oga wezvemari.