Vatengesi vanosarudza vanogona kukwereta muzvikamu zviviri: prime uye subprime. Kazhinji, zviri nyore kuwana zvikwereti zvinotenderwa sepakutora chikwereti kupfuura sepa subprime chikwereti.
Chii Chinonzi Borrower Mukuru?
Vanokwereta vakuru ndivo vanokwereta avo vane ngozi yakawanda yekuregererwa pane kadhi rechikwereti kana kusungirwa chikwereti. Kushandisa FICO kukwira 300 kusvika ku850, vateresi vepakutanga vane zvikwereti zvinopfuura 620.
Iyo chaiyo chikwereti chikwereti cutoff kune avo vanokweretesa vanogona kuve yakakwirira zvichienderana neunokweretesa uye chikwereti chekwereti yemuenzaniso yavanoshandisa. Vanokwereta nezvikwereti zvikwereti mumakore mazana manomwe uye mazana 800 vanowanzotorwa sevakakwereta.
Kubatsirwa kwekuva Prime Borrower
Kuve wakakwereta mukuru kunokuita iwe muchengeti wechikwereti anokwezva. Vanokwereta vane njodzi yakaderera vanogona kubvumirwa kuti vawane mari yepamusoro. Vanokwereta vanogonawo kugamuchirwa kuti zvikwereti zvikwereti zvakanyanya kana zvikwereti zvikwereti uye kuderera pasi pasi. Chikwereti chakanaka chekwereti chinogona kupawo munhu mukuru kubhadhara simba guru rekutaurirana nekadhi rechikwereti nemashoko ekubhadhara chikwereti.
Kunyange zvazvo vanhu vanotora chikwereti vachikwanisa kuve nezvibvumirano zvavo, vakabhadhara chikwereti chekwereti hachivimbisi kubvumidzwa. Kubhadhara, chikwereti, nezvimwewo njodzi zvinowanzoonekwawo. Mumwe munhu anokwereta asingakwanisi kugadzirisa zvikwereti zvinokwaniswa zvinogona kurambwa kunyange nekodzero yakaisvonaka .
Mamwe Makwereti Akatsaurwa
Vanokwereta vasina kuonekwa sevanotarisirawo vanogonawo kutaridzwa se-super prime, vanokwereta vane zvikwereti zvakanakisisa zvekwereti, kureva 720 nepamusoro, uye subprime, iyo inokwereta vane chikwereti chikoro chinowira pasi pe 620. Zvimwe zvikwereti zvekwereti zvinogonawo kutsanangura "pedyo nepamusoro" vanokwereta vane chikwereti chikoro hachisi chaicho chepakutanga asi haisi pasi se subprime.
Nzira Yokuva Iko Guru Borrower
Vakuru vatokwereta kazhinji vane zvinyorwa zvishomanana zvakakwana, zvishoma zvinyorwa zvitsva, zvishomanana zvikwereti zvekwereti, kushandiswa kwekwereti shoma, mashoma kana kusina mabhuku ekuunganidza, uye hapana maitiro akangoitika munguva pfupi yapfuura.
Iwe unogona kuvandudza chikwereti chako uye shandisa nzira yako yekuva mukuru wevakwereta kuburikidza nekuderedza nhamba yeakaunti dzaunoshandisa, uchishandisa chikamu chekwereti chako chiripo , uye kubhadhara maakaunti ako nenguva. Cherechedza chero zviyero zvekare zvakafanira kuitira kuti vasapfuurira kukurwisana newe. Usarega kurega nhoroondo dzichienda kuzvikwata. Kunyange nhoroondo dzisingawanzobudisirwi kune zvikwereti zvekwereti, sechibvumirano kana mari yezvokurapa, inogona kukurudzirwa nesangano rekusungirirwa uye pamutero wako wekwereti kana iwe usingabhadhari kambani.
Kukwereta Kana Iwe Usati Uri Mutero Mukuru
Iwe unogona kugamuchirwa kune mamwe makadhi emakwereti uye zvikwereti apo iwe hausi mubhadharo wepamusoro. Zvisinei, iwe unogona kusagamuchirwa pamashoko anonyanya kunaka. Semuenzaniso, iwe unogona kubvumirwa pane chikamu chechikwereti chiri pasi kana chikwereti chemari, chikwereti chechikwata chepamusoro, kana zvose zviri zviviri.
Kuva nebhadharo yakakura nemitengo yemari kana mari yemari yakakwanisa kunobatsira kuderedza chikwereti chako chekuda uye kukubvumira kutenga imba kana motokari yemari yakakwirira.
Mumwe mubatsiri uyo anokwereta mukuru angakubatsira iwe kugamuchirwa kuti uwane chikwereti chikuru chekubhadhara chikwereti kana kuti uwane chidimbu chechikwereti.
Cosigning ine ngozi , saka chenjerera nekukumbira mumwe munhu kuti aise chikwereti chake pamutsetse iwe.
Shingairira kuvandudza chikwereti chako musati maita chikwereti. Kana iwe unogona kunonoka kadhi rako rechikwereti kana chikwereti, iwe unogona kushandisa nguva iyoyo uchishanda kuti uvandudze chikwereti chako.
Tanga yako chikwereti kuburikidza nekuraira chikwereti chako chekwereti kubva kune zvitatu zvikwereti zvekwereti. Chengetedza chero zvikwereti zvekare uye kuderedza zviyero zvako kuti uwedzere mari yechikwereti chiri nani. Dzivisa kuzarura chero magwaro matsva mumwedzi usati wakumbira chikwereti. Kutora chikwereti chitsva iwe usati wakumbira chikwereti kunokuita iwe muchengeti anotora chikwereti, kunyange iwe uri wekukwereta.