Iwe ungashamisika kuti izvozvo zvingaitika sei? Bhengi ingabudisa sei tsamba yekufananidza iyo iyo yakawanda inoreva mafuta? Zvakanyanya nyore. Vanosanganisa zvimwe zvikamu zvemashoko mumutsamba wacho pachavo uye vanoita izvo zvisiri izvo zvinokonzera.
Uyezve, kwete dzose tsamba dzekufananidza ndezvechokwadi chaiye. Kune musiyano pakati pekutanga kwekudzidzira tsamba, inozivikanwa sepamberi, uye tsamba yekufananidza.
Kusiyana Pakati Pekutanga uye Tsamba Yokutanga
Chirevo chekutanga, iyo inowanzo rudzi rwevhangeri risati ragamuchirika iyo mutengesi anotengesa mari angabudisa, taura mazita edzimwe nyumburu:
Prequalification Tsamba:
- Anokwereta akakumbira chikwereti.
- Chikamu chekwereti chave chakaongororwa.
- Kubva pane ruzivo rwakapiwa, akakwereta anokwanisa kutenga imba pamutengo wakatarwa.
Preapproval Tsamba:
- Anokwereta apedza chikwereti chekubhadhara chikwereti.
- Chikoro chikoro chakatorwa uye chakakwana.
- Basa rakatsigirwa.
- Vanokweretesa vakapa mabhuku anotsigira zvakadai sekubhadhara mutero uye zvinyorwa zvebhangi.
- Anokwereta anogamuchirwa kutanga kutenga imba pamutengo wakagara wafanotarirwa, achimirira kuongorora uye mutemo wepaiti .
Iwe unogona kuona kuti tsamba yechokwadi yekufananidzira inotakura uwandu hwakawanda. Asi, zvakare, iri pasi pekunyorwa pasi kwekupedzisira uye haisi chivimbo. Icho chimiro chepfungwa uye inotenderera kune mamwe magwaro uye kuongororwa.
Chikonzero nei Bhengi Yakatengesa Pfupi Ungakumbira Kugadziriswa
Bhuku shoma rekutengesa, risati rabvumidza kutengeswa pfupi, rine nzira yakareba yekupfuura nayo.
Bhengi inobhadhara mujeri weBPO kuongorora kukosha kweimba. Iyo ichapa mutauri wekutaurirana. Zvinogona kutora vhiki kana mwedzi kuti vasvike pane chisarudzo pamusoro pekutengeswa pfupi.
Heano mamwe maonero pamusoro pekambani kutengesa kufungisisa:
- Kutengeswa pfupi iropafadzo - haisi kodzero yeimwe sangano.
- Bhizinesi haigoni kukurudzira kubvumidza kushambadzira pfupi.
Kwete mutengesi chete uye chivako chinowanzodiwa kuti awane zvekutengeswa pfupi , akakwereta anoda kuve akakwanisa kutenga imba. Bhizinesi ririkugadzirisa chikumbiro chekutengesa kutsva rinodikanwa uchapupu hwakasimba hwokuti mutengi anogona uye anokwanisa kuvhara.
Ichokwadi chiri mushure mekushanda kwekutengeswa kwemavhiki mashoma, zvichida mwedzi, inonyanya kuodza mwoyo uye kuparadza kwenguva kana bhangi richiwana pakupedzisira kuti vatengi havagone kuvhara. Apo inowira pasi kune firimu uye mukunyorerwa pasi, dzimwe nguva mutengi wemutengesi achaputika. Zvimwe zvezvinhu zvinoita kuti mutengi asarwe zvingadai zvakaruramiswa kana zvakatariswa pakutanga asi zvisati zvisiri.
Izvi ndezvokuti hapana mutemo wakakwana pamusoro pekubudiswa kwemagwaro ekutanga, uye kwete muripo wese anoshandisa mitemo yakakwana. Semuenzaniso, chikamu cheFICO che 720 chinowanzodiwa sechinhu chiduku kune chikwereti chairo.
Asi vanokweretesa vakuru vanoita zvikwereti zvinowanzowanzosarudza huwandu hwakanyanya hweFICO hwe740 kupa chikwereti chinokwezva kune chikwereti.
Kana munhu akwereta achitenda kuti chikwereti chichapa mukana wakanakisisa weFICO we 720, pane zvinogona kukanganisa zvinogona kuita kuti mutengesi uregere kana kuti akakwereta kuti arambe. Bhuku shoma rekutengesa rinongoda kuongorora ruzivo rwaro pachavo uye rwunozvipira rwaro kana kuti mutengi anonyatsokwanisa.
Izvi zvinopesana nemitemo yeRSPA yebhangi inoda kuti munhu akakwereta awane chikwereti kubva kubhangi iroro. Zvisinei, zvakagamuchirwa zvakakwana kuti bhanhire rikumbire tsamba yekufananidza kubva kubhangi rayo isati yabvumira chikwereti kutengesa kutsva kana kubvumira chikwereti kutenga imba yake yebhangi.
Dzimwe nguva, bhagheni inobvumira munhu akwereta kuti ape DU (pasi pekunyorwa pasi) mu-nzvimbo-ye tsamba yekufananidza.
Zvakakosha kubvunza.
Panguva yekunyora, Elizabeth Weintraub, DRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.