A Tarisa Kutenda Kwakanaka Kutaridzika, Kutarirwa Kwemari, uye Avhareji Kuvhara Mari
Chii chakanaka Kutenda kwakanaka?
Kana zvasvika pakuwana chikwereti, pane mari yakawanda inobatanidza chikwereti kupfuura kubhadhara kuripo uye kubhadhara kwemwedzi. Saka, "chikwereti ichi chinondibhadhara zvakadini?" iwe unobvunza zvakanaka. Ikoko ndiko Kunaka Kwekutenda Kwechokwadi (GFE) inopinda. GFE inonyanya kukosheswa kwekugadzirisa kana kupedza mari inotarisa mari yekuwedzera yaunotarisirwa kubhadhara pakuvhara kwako. Somugumisiro weCheta yeCheta yeCheta yeChetera (RESPA), kupa GFE mukati mazuva matatu ebhizimusi rekubhadhara chikwereti chakaitwa musangano, kunyanya mukuedza kujekesa pachena mune zvekukweretesa. Icho chinyorwa chemaji matatu chinyorwa chakanyorwa chezvinhu zvose zvebhadharo uye mari inobatanidza chikwereti chemusha kubva kuneti yeruzhinji inshumo, mitero, kutarisa kumba, pakati pevamwe. Asi sezvinoreva zita racho, zvinongova kuongororwa kwemari iyo.
Kusiyana pakati peKutenda kwakanaka kweKutenda uye Zvechokwadi Kuvhara Mari
Kunyange zvazvo kutenda kwakanaka kwekutenda kunofanirwa kujekesa uye kupa muchengeti weimba kuongororwa kwemari yakawedzerwa yavanenge vachida pakuvhara, GFE ndeyeyo, kuongororwa.
Zvinosuruvarisa, pane kazhinji kuve nekusiyana kukuru pakati peGFE uye chii chaunopedzisa kubhadhara pakuvhara. Sezvo vazhinji vashandi vemunharaunda vachitengesa zvakapoteredza nzvimbo yakanakisisa yekubhadhara mari , GFE inopa chimwe chikonzero chekuenzanisa pamwe chete nezvimwe zvakakosha zvikwereti zvakadai semari inowanikwa uye inowanikwa pamwedzi.
Asi vamwe vasina kukanganisa vanokweretesa bhora vachifunga nezvekukweretesa, vachiziva kuti panguva yaunoona mari chaiye (iyo inowanikwa zuva risati ravhara), iwe uchave wakadzika muitiro wawakakunda ' t kubuda uye kutsvaga imwe chikwereti. Nemhaka yezvimwe zvezviitiko izvi, zvisinei, zvinyorwa zvitsva, zvinyorwa zvisinganzwisisiki zvinonzi Loan Estimate zvatsiva GFE neChokwadi-mu-Lending kana TILA chirevo chaOctober 2015
Mari Inotarisirwa uye Iyo Inosanganisira
Mari Inotarisirwa ndeyo itsva yeruzhinji-yakagadziriswa gwaro rakatsiva chirevo cheGFE neTILA. Mari Inoshandiswa iyi iri nyore, yakanyanyogadziriswa iyo inotarisira kuderedza chikwereti kuvhiringidzika nokupa zvose zvinotarisirwa mari uye kuongororwa kwevakwereta kune imwe nzvimbo. Izvo Zvitsva Zvitsva zvinotarisirwa kuitawo kuti kuenzanisa zvikwereti zvekubhadhara zviri nyore, uye, zvechokwadi, kudzivirira kushamisika kunodhura kumunhu weimba yekuvhara pakuvhara.
Mari Inoshandiswa inopa mubhadhari wekubhadhara chikwereti nechidimbu chezvinhu zvekubhadhara chikwereti kusanganisira, asi kwete ku:
- Mari yechikwereti sechikwereti chikwereti, chiyero chekutora, mutero wegore negore uye kubhadhara chikwereti, uye chirango chekubhadhara, kana zvichibvira
- Yakarongwa mwedzi kubhadhara kuverenga
- Inofanirwa mitero, inshuwarisi, uye kuongororwa
- Kuvhara mari yekufungidzira mari kusanganisira kusinganidza mari yose inoda kuvhara
- A full itemization of cost and fees
- Kufananidza nhamba segore rega rega yepamuro (APR) uye chidimbu chechikamu chechikamu (TIP) chaireva kupa zvikonzero zvakajeka zvekuenzanisa nezvimwe zvipo zvezvikwereti
Kunyange zvazvo mamwe emakambani akapihwa achiri kuongororwa, hazvibvumirwi nemutemo kune vanokweretesa kuisa nemaune mari uye mari inotsanangurwa muHutori Hwako Hwatinoona. Uyezve, apo dzimwe mari dzinogona kuchinja kubva muHurumende Inosvika pakuvhara pane imwe mamiriro ezvinhu akajeka, pane mari isingagoni kuwedzerwa. Izvo zvinodhura zvinorondedzerwa paMari Inotarisirwa.
Zvechokwadi Kuvhara Mari Yakazara Mahara
Kazhinji, kuvhara mari inosvika pakati pe3% ne5% yemari yako yose yezvikwereti, naizvozvo kana uri kukwereta $ 100,000 unogona kutarisira kupfigirwa kune imwe nzvimbo pakati pe $ 3,000 ne $ 5,000.
Kana uri kukwereta $ 200,000 unogona kutarisira mari yekuvhara ye $ 6,000 kusvika ku $ 10 000.
Imitero yemitoro inowanikwa munyaya yekutengesa ndeimwe yezvakakura mari yekuvhara. Mari yacho inobva pane kukosha kweimba yaunotenga uye mutero wekutengesa muguta racho kana kunzvimbo iyo imba iripo.
Chinhu chakanaka chaunofanira kuita ndechokuti uwane Maonero ekubhadhara chikwereti kubva kune vaviri kana vatatu vatengesi uye kuenzanisa nheyo yemukwereti pamwe nezvose zvinodhura. Iwe uchazove wakagadzirira kubvunza chikwereti chaunosarudza kuti usangane nepamusoro pekupa mazita. Nokuita kudaro, unozvidzivirira kubva pakushandiswa zvakanaka pakuvhara nekuvhara vasina kugadzirira.