Hongu, Unogona Kutenga Imba Mukurasikirwa
Iwe haufaniri kuzviita nenzira iyi. Iwe unogona kuwana chikwereti kana iwe uchingobatira pamba .
Kuti ndizive zvakanakira, ndakabvunzurudza Patrick Gavin, Mutungamiri webazi & VP ye Mortgage Lending pa Guaranteed Rate, ye8th huru pane imwechete yakachengetwa chikwereti chebhadharo mu US Rate.
Patrick ave ari chikwereti kubvira muna 1974.
Ngatitarisei izvo zvandakadzidza kubva kunaPatrick pamusoro pezvinodiwa kuti uwane chikwereti paunenge wapedza basa. Ndaputsa zvinhu mumatanhatu makuru pasi apa.
Kusarudza Kuwanikwa Kwevatorwa
Vapateri vanofungidzira kuti kana vasina mari yekubhadhara, havazokwanisi kutenga chikwereti nekuda kwekushaya mari.
Muzvokwadi, vateresi vane nzira mbiri dzakarondedzerwa pasi apa dzavanogona kushandisa kuverenga mari yekusununguka avo vari kutora zvinhu zvavo.
Kudonhedzwa Kubva Kuchengeta Muitiro
Kune vashandirwi avo vari kutevera chirongwa chavanenge vasati vabva pamba asi vangave vakanonoka kutanga kweHuman Social Security kana mari yepenjeni, sarudzo yakanakisisa iri kuita kuti ishandise "kugadzirisa pfuma" nzira yekutsvaga mari. Heino nzira iyo inoshanda.
Chero bedzi uyo anenge akwereta ari 59 ½ mutengi anogona kushandisa zvishoma zvinobva kubhesi rekubvisa mari sehupupu hwekuwana mari. Semuenzaniso, funga mabheti emabhengi emazuva mashoma anoratidza kuregererwa kwe $ 4,500 pamwedzi kubva kuIRA (mukwereti anoda kuona kuregera kwemwedzi miviri).
Iyi $ 4 500 yaizoongororwa semari yemwedzi. Dzimwe nguva uyo anokweretesa achada tsamba kubva kumugadziri wemari kana sangano rezvemari rinotsigira izvi kubvisa mari.
Asset Depletion Method
Kune vashandi vane mari yakawanda yekushandisa mari, nzira yekutsvaira mazaifa ekugadzirisa mari inogona kushanda zvakanaka.
Nenzira iyi, uyo anokweretesa anotanga nehuwandu hwemari yemari. Zvadaro vanobvisa mari ipi zvayo inoshandiswa pakubhadhara mari yekubhadhara uye yekuvhara. Vanotora makumi manomwe kubva muzana zvezvasara uye vanoparadzana nemwedzi 360.
Somuenzaniso, funga kuti mumwe munhu ane $ 1 Mamiriyoni mune mari yemari. Vachashandisa $ 50,000 nokuda kwekubhadhara pasi. Icho chinosiya $ 950,000. Tora makumi manomwe kubva muzana, izvo zvinodarika madhora 665 000 uye kugoverwa ne 360. Chigumisiro, $ 1,847, iyo mari yemwedzi inoshandiswa kukodzera chikwereti.
Zvechokwadi chero mimwe mimwe mitero yemari yakadai semari yepenjeni, Social Security, kana mari yegore negore yemari inogona kuverengwawo kuwedzera kumari inoshandisa nzira dziri pamusoro.
Chikwereti kuNhepfenyuro uye Imari Imari Ratios
Kana imwe mari yawana mari yakatarwa, chikwereti chenyu chose chekuwana mari uye mari yekuenzanisa mari inofanira kusangana nemutengo wevatengi.
Chikwereti kuRatio Ratio
Kwekufanirwa Kwekuchengetwa Kwemari (QM) chikwereti icho chinowira mukati mekuchengetedzwa kwechikepe chekuita zvinodiwa hapana kana 43% yemari yako inogona kuenda kune chikwereti servicing. Ichi chikamu chemari chikwereti kune mari inonzi chikwereti chekuwana mari.
Chikwereti chinosanganisira zvikwereti zvinodiwa zvakadai seanmony uye rubatsiro rwevana pamwe chete nemari yemari, chikwereti chemari chikwereti, chikwereti chekwereti mari shoma uye mari yako yose yakatarwa kubhadhara kusanganisira guru, chido, imba yemitero uye inshuwarisi.
Chinhu chimwe chinogona kuwana vagari vemunharaunda mumatambudziko munharaunda ino kubatana nekubhadhara zvikwereti kune vana vakuru. Kunyangwe iwe uri mubati wekubatana, zvikwereti izvozvo zvinogona kuverenga sekubhadhara chikwereti uye zvinogona kuderedza kukwanisa kwako kukwanisa kuwana chikwereti.
Housing Expense Ratio
Dzimba dzako dzemari dzinosanganisira chikamu chikuru uye chikamu chekutora chikwereti pamwe nemitero uye inshuwarheni (inonzi PITI). Ichi chikamu chinofanira kunge chiri pasi pe 36% zvinoreva kuti mari yako yeimba inogona kudarika 36% yemari yako.
Credit Score Requirements
Mumwe nomumwe anopa chikwereti achava nemari yekupa mazano, asi chimwe chinhu ndechechokwadi-yakaderedza chikwereti chako chekwereti, inowedzera chikwereti chako chekuda. Kana iwe uchida mari yakanakisisa, tora chikwereti chako chikoro kune 780 kana kuti zviri nani.
Chimwe chikwereti chekwereti chiri nani chinogona kukupa imwe nzvimbo yakawanda mune dzimwe nzvimbo dzinokwanisa.
Semuenzaniso, Patrick aishanda nemunhu akwereta uyo aiva nechikwereti chekwereti kupfuura 780, uye uyo akweretesa akaita chikwereti kunyange zvazvo chikwereti chekuwana mari chaiva ne48%.
Chiitiko Chekugara
Chimwe chinhu chinoshandiswa kugadzirisa chikwereti chako chekuda mari pane chikwereti ndechokuti iwe unoda kugara. Ichi chichava imba yekutanga here kana kuti yechipiri? Dzimba dzepamba dzinowana mazinga ari nani.
Kudzokorora Kuno
Sekuregera, chikwereti chaunoda kubhadhara chinogona kusiyana zvichienderana nemari yekushandisa inoshandiswa. Nokuda kwekudengenyeka kwemuitiro wokurega, iwe unogona kuisa zvishoma se 5% pasi. Nokuda kwekugadzirisa mararamiro ekugadzirisa zvirongwa pakuisa 30% pasi.
Uye kana iwe uchifunga nezvekuuya nemari yako yekubhadhara nekutora chikuru chunk yemari kubva muIRA kana imwe hurongwa hwekurasikirwa kwemitero ndinokukurudzira kuti udzokere zvakare izvi. Iko kubvisa huchava mari yekubhadhara mari uye kutora chikuru chunk kunze kwegore rimwe chete kunogona kukupinza iwe mubhaketi yakakwirira yepamusoro .
Post-closing liquidity
Chimwe chinodikanwa chichava chiyero chekuvhara kwemafuta emvura yaunowana. Vatengesi vanoda kuona kuti iwe uchange uine mwedzi mitanhatu yemari yekubhadhara mari (PITI) sehuwandu huchagara mushure mekunge watenga imba. Kuti uverenge izvi, uyo anokweretesa achawedzera zvinhu zvose zvemari zvinogona kuvimbiswa (zvinoreva iwe unoda zvinyorwa zvemabhuku) uye zvino shandisa 60-70% yemari yacho.
Zvimwe Zvokukwereta Zvimwe
Kana iwe uchikodzera sechirwere chekare, iwe unogona kutarisira kutarisa muAV Loan. Newe VA chikwereti iwe unogona kuisa zero pasi, asi panzvimbo yekubhadhara pasi iwe uchabhadhara mari yekubhadhara iyo inogona kuva 2.15% yemari yekukwereta yevashandi venguva yokutanga yepurogiramu, uye 3.3% kana wakatora chikwereti VA kare. Iyi mari yekubhadhara mari inogona kubhadharwa mune chikwereti.
VA zvikwereti zvinoda chikwereti chekuwana chikamu chekuwana chikamu che 43% kana zvishoma, uye zvinoda iwe kuti uwane mamwe mashoma pamwedzi. Kana iwe uine zvakawanda zvekutsvaga mari yekusara mari inogona kugadziriswa nokutora muviri wegore rechipiri chemugove wako uye chikwereti chaunowana kubva muHurumende B pane yako yekudzosa mutero.
Kushandisa Chikwata Chekutengesa
Nzira yakanakisisa yekuwana kuti ndeupi rudzi rwekutora mari yaunogona kukodzera kuti utaure kune mutengesi wemari. Wakavimbiswa Mutengo unopa zvikwereti munharaunda dzose uye kunyange une purogiramu yepaIndaneti iyo inonzi Digital Mortgage uko iwe unogona kuenda kuburikidza neushanduro yose iri paIndaneti. Vanopa $ 250 chikwereti kune avo vanoshandisa purogiramu iyi.
Iwe unodawo kuita zvakakosha iwe paimba yauri kutenga. Nokudaro, ndinokurudzira kuti uone HouseFax. Zvakafanana neCarFax®, asi yeimba yako. Ndakamhanyira HouseFax ndiri pfuma yangu uye ndakashamwaridzana handina kuwana chero kushamisika kusina kunaka, asi ndakanzwa nezvevanhu vakawanda vakadzidza marudzi ose ezvinhu zvinonakidza pamusoro pepfuma yavo yapfuura kuburikidza neHarareFax.
Unofanirwa Here Kuva Neimba Imotora Murairo?
Sezvatakapedza hurukuro yedu, Patrick akati, "Pakupera kwezuva vanhu vanondibvunza kuti chii chakanakirwa kutenga? Mhinduro yangu hakuna. "
Patrick akarurama. Kutsvakurudza kunoratidza vakawanda vakasiya mari vari nani kubhadhara chikwereti chavo vasati vatora basa .
Chinhu chinoshamisa, zvisinei, chingave chikwata chakakwirira chakakosha vanhu vanogona kukwanisa kushandisa chikwereti kune zvakakosha kunyange munguva yose yekurega basa .