Imba 5 Yakanyanya Kukurukura Kutenga Zvipingamupinyi
Hasi nguva dzose nzira iri nyore kutenga imba, zvisinei nokuti shamwari dzako dzingati dzipi. Vakawanda vevatengi vemunyika vanotarisana nezvipingamupinyi, uye hazvisi zvisiri izvo kumhanyira mhuka dzinobhururuka uye varoyi vakaipa pamugwagwa wakaita bhijeni kuenda kumba. Nhanho yekutanga yekutenga kumusha ndeyokugadzirira zvipingamupinyi.
Imwe nyanzvi yemugovera wekugara ingakubatsira kuti uwane musha wakarurama , uone kuti ungabhadhara mari yakawanda sei uye kurukurai chipo chako.
Uyezve, mumiriri anogona kukutungamirira nhanho dzose dzenzira iyo yose yekutenga kugadzirwa . Asi izvi hazvirevi kuti hauzosangana nezvigumbuso kana zvipingamupinyi.
Chipingamupinyi 1: Kutsvaga Kubhadhara Kuno
Kunze kwekuti iwe uri woga wakapfuma kana kuti wakakunda lottery, iwe uchada kutora chikwereti . Vose VA zvikwereti , zvinowanikwa kune veterans, regai mutengi aise zero. Zvizhinji zvizhinji zvikwereti, kunze kwemamwe marudzi ezvimwe zvikwereti zvezvikwereti zvakapiwa kune vamwe vashandi, zvinoda kubhadhara. Mhando mbiri dzinonyanya kuzivikanwa dzezvikwereti ndeye FHA zvikwereti uye zvikwereti zvinokonzerwa, zvinoda zvishoma zvishoma kubhadhara kubva 3 kusvika kune 15 muzana yemutengo wekutengesa.
Chipingamupinyi 2: Kuwana chikamu chiduku cheFICO
Iyi nhamba mbiri yemashiripiti ndeye 620 yeFHA uye 720 yezvikwereti zvinowanikwa ne mortgage inshuwarisi. Kana fikiti yako yeFICO ichiwira pasi pehamba iyoyo, iwe haungakwanisi kubhadhara mari iyoyo. Kuti zvikweretwe zvikwereti pasina mortgage inshuwarisi, yako FICO inogona kuvhara pasi se 620, asi mitengo yacho yakaipa.
Kuti uwane chikamu chako cheFICO, unofanirwa kubvunza wako chikwereti kuti atange chikwereti chako chekwereti. Iwe unogona kuwana chikwata cheFICO paIndaneti, asi chichakubhadhara iwe, uye inogona kunge yakasiyana nemakero ako chikwereti chinowana. Mukwereti wako achakwevera chikwereti chako kubva kune 3 masangano ekubika zvikwereti uye uchatora chikamu chepakati cheFICO.
Chipingamupinyi 3: Musangano Wokutsigira Kunyoresa
Vazhinji vanokweretesa vanotarisira kuti mutengi ave nepamusoro ye 33% yepamberi yekupedzisira. Izvi zvinoreva kubhadhara chikwereti chako, pamwe nemitero uye inshuwarisi (PITI), haigone kudarika 33 kubva muzana yemari yako yaunowana pamwedzi. Kana iwe ukawana $ 5,000 pamwedzi, mari yepamusoro yePITI yaunogona kukodzera iri $ 1,650.
Chikamu chekupedzisira kumucheto chinotyisa. Izvi zvinosanganisira kuwedzera pamwe nekubhadhara kwako PITI nemwedzi wose wekubhadhara chikwereti. Izvozvo zvikamu zvemari yako yakawanda yemari pamwedzi inofanira kuwira pakati pe 41 muzana ne50 muzana, zvichienderana nerudzi rwechikwereti uye chikwereti. Uine inshuwarheni yekutengesa, chikamu chako chepamusoro-soro hachikwanise kudarika 41 muzana, izvo zvinoreva kuti uwane chikamu chepamusoro chekupedzisira, ungada kuisa pasi makumi maviri kubva muzana.
Chipingamupinyi 4: Kuwana kuongororwa paChishanu
Imba yeValuation Code of Conduct , HVCC, yakatanga kushanda musi waMay 1, 2009, uye inoshandiswa kune zvose zvinowanikwa. Kubva paJanuary 1, 2010, ikozvino inoshanda kune zvinoitwa neFHA zvakare. Icho chinangwa chakanaka chakanaka chinokanganisa uye vatsoropodzi.
Mukare, mutengi aigona kusarudza maitiro ake. Muongorori uyu aiwanzoziva, akaziva mharaunda uye akanga aongorora misha yakawanda munzvimbo dzakasiyana, iyo inowanzoita kuti pave nekuongororwa kwakanaka uye kwakanaka.
Iye zvino, makambani ekuongorora mapurisa anotora muchengeti wepamberi pakarepo kubva kune dzimba revaongorori. Unyanzvi wako unogona kubva kune imwe nzvimbo kana asingazivikanwi nemunharaunda, iyo inowanzokonzera kuongorora kwepasi .
Kana kuongororwa kusingabatsiri pakukoshesa, uye kana mutengesi anoramba kugadzirisa mutengo, vatengi vane chiongorori chekuongorora vanogona kubva kubva kune mutengesi kana kubhadhara musiyano mumari.
Chipingamupinyi 5: Chigutsa Chikwereti Mamiriro
Kunyoresa kunogona kutyisa. Anonyora pasi anoongorora faira uye anogona kuita zvaanoda. Usatsamwira, kungosunungura zvinyorwa. Vanonyora mitemo. Izvo zvinoda zvinogona kusanganisira mamwe magwaro, kuongorora kuongorora uye, kunyange zvakadaro, munyori wekunyora pasi anogona kukaramba chikwereti nokuda kwezvikonzero zvakasiyana-siyana.
Kana iwe wakaroorazve, somuenzaniso, uye wako waimbova nemudzimai aiva neimba yaipfuura kuburikidza nekutsanangurira kana kutengeswa pfupi , kana zita rako raive richiri pane chikwereti, iwe unogona kunge usina kukodzera kubhadhara imba newawakaroorana naye.
Nzira yekuwedzera mikana yekutenderwa kwekunyora pasi ndeyokuzarura zvinhu zvose pamusoro pako iwe nemari yako yemari kune waunokweretesa, uye ona kuti mukuru wezvikwereti ave ari mubhizinesi kwenguva yakakwana kuti aone matambudziko emangwana usati waenda kure.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.