Uyezve, imwe nguva mushure meimba uye kutengeswa kwapfuura, unoona kuti zita rekweretesi rakasiyana zvakakwana nekambani yawakasarudza.
Mushure mezvose izvi kutsvakurudza uye maitiro, chikwereti chako chakatengeswa.
Zvinogona kuva zvinotyisa, uye zvishoma zvisinganyarari. Heino izvo zvaunogona kutarisira.
Zvikamu Zvitanhatu Kuenda Kumutoro
Paunenge uchitsvaga chikwereti , pane zvinhu zvitatu kune iyo yekubhadhara mari.
- Mari Inotanga
- The Lending Company
- The Servicing Company
Munhu waunotarisana naye ari oga ndiye muvambi wemuzvikwereti: Vanoita zvose mapepa, uye vanokubatsira iwe kubhadhara chikwereti. Muvambi anotumira chikumbiro kune iyo kambani kambani. Kana ukasangana nemitemo yavo, vanobvuma chikwereti uye iwe zvino une mari yekutenga imba. Inokweretesa kambani inogona kuita sangano rinoshumira pamwe chete, asi zvingangodaro ivo vachaitengesa kune imwe kambani. Bhizimisi rinoshandiswa ndiyo iyo iwe unonyora cheki yako yemwedzi kuitira kuti ubhadhara imba.
Chikonzero Nei Mvumo Yenyu Inogona Kutengeswa
Anotora chikwereti wako anotora chikwereti kune imwe neimwe yekutengesa iyo yaanoisa.
Izvo chikwereti uye servicer, zvisinei, vanofanira kuita kuti mari yavo idzoke zvishoma nezvishoma, kazhinji pamusoro pemakore gumi nemashanu kusvika makumi matatu.
Kana iyo yakakweretesa ikambani inoshumira zvikwereti zvose zvavakabhadhara mari, vaifanira kunge vane mabhiriyoni emadhora ezvigaro kuti vaone kuti vane mari yakawanikwa yekupa zvikwereti.
Mazhinji mabhangi uye masangano aizokurumidza kusungirirwa kuti awane mari kana achishanda mari imwe neimwe. Pane kudaro, vachazviunganidza pamwe chete (kazhinji boka rezvikwereti rine maitiro akafanana ematambudziko), uye vanozvitengesa kuvashambadzi (kazhinji masangano ehurumende seFannie Mae kana Freddie Mac). Aya makambani ekutengesa anovatengesa sezvisungo (iwe unogona kunge uine zvimwe zvepodfolio yako inowanikwa mazviri). Nokutengesa chikwereti, kambani yekwereti yava nemari iyo inogona kukweretesa kune mumwe anotarisira kutenga.
Zvaunotarisira neNew Servicing Company yako
Ndiyo tsika inowanzopiwa kune chikwereti kutengesa chikwereti, uye zvakanyatsotenderwa kuti vazviite pasina kubvumirwa kwako. Zvavanofanira kuita, zvisinei, zvinokupa kunyeverwa kuti chikwereti chako chichashandiswa nekambani yakasiyana.
Vose vaviri vatengi veimba yechikwereti uye muridzi wechikwereti mutsva anofanira kukutumira maziso pasapfuuri nemazuva gumi tisati tasvika. Muteveri mutsva anofanirwa kupa nhaurirano mukati memazuva makumi matatu mushure mokunge kutengesa kwapera kuitira kuti uzive kuti ungatumira kupi, uye kuti upinde sei kana uchida rubatsiro. Uye usazvidya mwoyo kana iwe ukatumira chikwereti kune wekare chikwereti! Iwe unowana mazuva makumi matanhatu emazuva omutsa, saka chikwereti chako hachizove chichinyadzisa kana iwe ukakanganisa nechokutanga chekuenda kuenda kukambani itsva.
Ko zvakadini nemashoko ekubhadhara mari? Mari yako ichagara yakafanana (kunze kwekuti iwe uine chikwereti che ARM , pane iyo iyo inofarira inogona kugadzirisa). Chikwereti chako chicharamba chichishanda zvakafanana nezvakaitwa nemunhu akarenda chikwereti, saka kana iwe waive nemakore makumi mana nemasere akasara kusvikira wakabhadharwa, iwe une makore makumi maviri nemasere akasara. Misiyano chete ndiyo ichava zita rekambani yaunonyora pane cheki (uye kero yaunotumira nayo).
Chinhu chimwe chinogona kuva nemigumisiro yakakura pamari yako ndeye mazwi ekugadzirisa chikwereti. Pane zvirongwa zviripo zvinokubvumira kushanda nemutengi wako kuti uchinje mitemo yechikwereti chako kuitira kuti zvive nyore kwauri kubhadhara zvikwereti zvako (chikwata chechibereko chinogona kuderedzwa, kureba kwechikwereti kunogona kuwedzerwa, kana kuti chikwereti inogona kutendeuka kubva pakururama kusvika kune yakagadziriswa kufarira ).
Kana chikwereti chako chichitengeswa panguva yaunenge uchifamba nenzira yekugadzirisa, iwe unogona kutanga kutanga.
Nzira Yekudzivisa Kuva neChikwata Chedu Chikutengeswa
Asi mushure mokunge basa rose iroro richiwana kambani yakarurama yaunoda kuita bhizimisi, pane pane zvaunogona kuita here? Ndezvipi kodzero dzako seunokwereta kana zvasvika pakutengesa chikwereti chako?
Kana iwe ukasaina chibvumirano chechikwereti chako, pane chirevo mune vazhinji vavo vanoti vane kodzero yekutengesa chikwereti kune imwe kambani inoshumira. Kana uri kuwana chiziviso chako chokuti chikwereti chako chiri kutengeswa, iwe unowanzova nemasarudzo maviri: famba pamwe chete nawo, kana kuti uchinatsire kune imwe kambani .
Kana iwe uchiri kuzosayina mapepa, pane nzira dzaunogona kutsigira kuti chikwereti chako chichava chako uye chinoshandiswa nekambani inotangira. Zvose zvaunofanira kuita ndekukumbira. Kazhinji vanhu vanobhadhara chikwereti, semabhengi emunyika yose, havazoiti izvozvi. Asi vaduku uye vanowedzera kune vagari vomunharaunda, sezvikwereti zvikwereti, zvichaita. Kana iwe uchida kudzivisa kuva nekutenga chikwereti chako kutengeswa, tanga kutsvaga kwako nemabhenji emunharaunda uye zvikwereti zvezvikwereti.
Zvikwereti Zvinotengeswa Zuva Rimwe
Chinokosha ndechokuti mari yako yekutenga inogona kutengeswa. Inobatsira kuchengetedza chido chekuda kukwikwidzana, inotadzisa hupfumi, uye mune zvose zvechokwadi hazvikwanise kuona chero matambudziko anotevera ekutengeswa. Asi ramba uchifunga mupfungwa kuti zvikanganiso zvinoitika. Iyo nzira inowanzosazununguka, asi zvikanganiso zvinoitika. Kana iwe ukacherechedza kuti kubhadhara kwako kwachinja, mazwi acho ashanduka, kana chimwe chinhu chisingaratidziki chakanaka, kutanga nokushevedza kambani itsva yekubhadharira kambani. Kana izvozvo zvisingashande kuti zvinhu zvigadziriswe, unogona kutora kudai kuburikidza neChina Chekushandisa Mari.