Dai ndanga ndakuudza kuti kuedza kuwana uye kuenzanisa zvakanakisisa kutora zvikwereti zvinotarisirwa basa rakaoma, unogona kutaura kuti zvakaoma kutenda. Nharo yako ingangodaro kuti yose yaunofanira kuita ndeyokuenda kune webhusaiti yakakurumbira sebhangerate.com uye yese yekutengesa mari yakatarisa ipapo iwe kuti uone. Chimwe chezvinhu zvausingaoni, zvakadaro, ndiyo mari yekuwana chikwereti. Uyezve, mitengo inogona kuchinja.
Izvo zviyero hazvibvumirwi.
Hazvishamisi kuti imwe neimwe mari inobhadhara inenge yakasiyana. Pane zvikonzero zvinotarisa kuti ndeupi rudzi rwekutengesa mari iwe unogona kugona kuwana. Zvimwe zvezvinhu izvi ndezvi:
- Purpose of Mortgage Loan. Iwe chikwereti chako kutenga imba yekutanga, imba yechipiri, kubhadharwa, kana kuti kubhadhara mari-kunze, iyo yakasiyana nekunatswa patsva. Kunatswa kwemari kunowanzowedzera kune chikwata chinodarika chekugadzirisa kuripa chikwereti chiripo uye hachipi mari kune akakwereta.
- Chii Chinonzi Chikwereti-Kukosha Kwinokosha? Kazhinji, zvikwereti zvakakosha zvikuru zvinotakura chikwata chapamusoro. Vatengesi vanopa ngozi kune zvikwereti, uye chikwereti chakaderera-ku-chiyero hachina mungozi kune anokweretesa. Semuenzaniso, kana iwe uri kuisa pasi makumi mashanu muzana kutenga mari $ 200,000 kumba, chikwereti chako chaizova chikamu che50 chikwereti-ku-value chiyero. Kana iwe ukange uchingotadza kune chikwereti, iyo chikwereti inodzivirirwa nehuwandu hwehutano.
- Chii Chako FICO Score? Izvo zvakasimudza nhamba yako, iyo yakawanda inofadza chikwata chaunowana. Uyo anokweretesa anoshandisa injini yakasiyana-siyana kuti aone zvidzidzo zveFICO kupfuura iwe unogona kuwana kubva kune 3 masangano ekubika zvikwereti.
- Wakashanda Nguva Yakadini Pabasa Rako? Munguva ichangopfuura mutengi weimba akadziviswa kubva pakutengesa imba nokuti mushandi wake aive sangano rekupedzisira, uye mutero wake wechikwereti chikwereti chakakundikana kuona kuti mari yake yekubhadhara haina kubvisa zita rekambani yaakashanda. Aive mazuva matatu kubva pakuvhara apo akawana chikwereti chake chakarambwa.
- Une Dambudziko Rokunyengera Here? Iwe iwe (kana waimbova wawakaroorana naye) wakambosvitsa kubhadhara, wakapfuura kuburikidza nekufananidzira, kupedzisa kutengeswa pfupi kana kuti wakambosvibiswa pane chero chikwereti here? Zvido zvehurumende zvakasimbiswa kubvira pakaparara mumusika muna 2007. Vatengesi havasi ivo vakanyarara uye havawanzoregi kukanganisa chikwereti.
Iwe haugoni kunyatsoziva zvakanyanya zvezvinhu izvi kubva pawebsite. Iwe unofanirwa kutaurira kune mumwe munhu, mutero weimba yechikwereti. Handina kuverenga zvinhu zvose zviri pasi pekushandiswa kwekutarisa kuti uone kana iwe uchizobvumirwa kune chikwereti. Kune mavara akawanda anodikanwa neunyanzvi. Vanhu vashomanana chaizvoizvo vane slam-dunk mubhizimusi rekutengesa zvakare.
Zvinoshamisa kuti vanhu vanoedza kuwana uye kuenzanisa zvakanakisisa zvekutengesa mahara hazviwanzopedzi nemutengo wavanofunga kuti vachawana. Pamusoro peizvi, izvi zvingasagamuchira mazano anobatsira, kutungamirirwa kana kukwanisa kubhadhara mari. Mari yekubhadhara chikwereti yakafanana nedzimwe mhizha. Iwe une chakanaka, chakaipa nevamwe vose vari pakati.
Imari yekutengesa inonyatsoenderana
Chero anenge anokweretesa ose kunze kwemigwagwa yebhangi yega yega anokwanisa kuwana bhegi rimwe remari. Kana LTV yako inenge 80 muzana uye fikiti yako yeFICO inodarika 800, mari yako iwe ichave yakafanana kubva kune chikwereti kunopa chikwereti.
Iwe unogona kuwana kuputsa mumitengo nekuda kwemamiriro ekutengeswa anoshanduka zuva rose, chiitiko chitsva kana chigadzirwa. Asi zvichida hazvizoshanduri zvinopfuura 125 muzana. Ndiyo 1 / 8th yechinhu.
Imwe 1/8 yechinhu pamutero we $ 300 000 ungabhadhara mutsauko wokubhadhara we $ 22 pamwedzi pakati pe4,5% uye 4.625 muzana yemakore makumi matatu ekubhadhara mari. Iwe unogona kutauripa mari inopfuura 360 iyo inenge inenge madhora 8,000, asi chokwadi vanhu vazhinji vanotengesa uye vanofamba makore makumi matatu asati apfuura. Kana kuti vanogadzirisa chikwereti. Saka mutsauko uyu hauna kubhadharwa kunze kwemakore makumi matatu emakore.
Uyezve, vateresi vanokwereta vanokwereta kuti vaite chikwereti. Iko mari, inowanzonzi mapepa, zvinyorwa zvitsva uye mari yekutanga, inoshandisa yako mortgage rate. Kana iwe ukaona pasi rekutengesa mari yakashambadzirwa, pane imwe nguva inobata. Zvichida zvichaita kuti iwe uwane mari yekuwana chikwereti ichocho.
Zvichida chikwereti icho hachisi chechikwereti chakasimwa, zvichida icho chinogadziriswa-kutengesa mari. Vatengesi vangashambadzira iyo nzira kuitira kuti iwe uvaidze uye ivo vanogona kukufambisa iwe, utsi hunopisa uye mirati. Bvunza mibvunzo.
Vamwe vanokwereta vanoda kushandiswa painternational mortgage lenders nokuti vanofunga kuti vanogona kuwana uye kuenzanisa zvikwereti zvekutengesa zviri nyore paIndaneti. Zvakare, iyo webhusaiti yepaIndaneti haigoni kuzarura nyaya yose. Ikoko kunogona kuva nematambudziko anowanzovapo pavanoshandisa vatengesi vepaIndaneti vanotanga chikwereti kune dzimwe nyika, zvakare. Ini pfupi ndakanga ndiine akwereta achishanda nemukweretesi weIndaneti kubva kuChicago. Chicago iri maawa maviri mberi kwedu muCalifornia, izvo zvakakonzera kutaurirana matambudziko. Uyezve, mutero wakashandisa kambani yekuongorora yekuongorora kubva kuStockton apo pfuma yacho yakanga iri nguva yekuenda kuS sacramento, izvo zvakaguma nekuongorora kwakaderera .
Panzvimbo yekuedza kuwana uye kuenzanisa yakanakisisa yekubhadhara mari, ndinofunga kuedza kuwana mutsara wakanakisisa. Iyo yakanakisisa chikwereti inowanzogara munzvimbo. Zvinogona kuva chikwereti chako, uko iwe bhangi kana rekutenga chikwereti chinokurudzirwa neimba yako yeimba. Imba yevasimba inoziva kuti ndiani anopa chikwereti pedyo nenguva uye anotarisira kudzivisa kukanganisa. Iva nechokwadi chokuti mukuru wekwereti yemari yaunotora chikwereti inopiwa pakupa basa rakanakisisa rinogoneka kwauri.
Uyewo, usaramba uchitarira chikwereti chiyero mushure mokunge wakasarudza chikwereti chekubhadhara mari, uchibvunza kana pane mari yechibharo iri nani pane imwe nzvimbo. Izvo zvinongokutadzisai nutswe chete. Vazhinji vanokweretesa ndinoziva vachagadzirisa chiyero chako pasi kana mutengesi uchigadzirisa pasi mushure mekuvhara chikwereti .
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.