kampani ya mortgage
Inshuwaransi ya Umbrella Ndondomeko imodzi yomwe imakhudza katundu wochuluka (kapena anthu oposa m'modzi).
Desktop Originator (DO) yochokera pa intaneti yomwe imalola oyambitsa kupeza DU kudzera mwa wobwereketsa wothandizira Desktop Underwriter (DU) Fannie Mae's automated underwriting system.
FEMAFederal Emergency Management AgencyFHAFederal Housing AdministrationFHA-inshuwaransi yanyumba; ikhoza kutchedwa "boma" ngongole yanyumba FHFA Federal Housing Finance Agency FHLMC Federal Home Loan Mortgage Corporation fidelity bond
GSEGovernment Sponsored EnterpriseGuarantee FeeCompensation wobwereketsa amalipira Fannie Mae chifukwa cha ufulu kutenga nawo gawo mu MBS
HOAEPAHome Ownership and Equity Protection Act ya 1994Home Loan to Value (HCLTV).
Kalata yachitsanzo yofotokozera gawo lalikulu
Kawirikawiri, ngongole yoyamba ya nyumba ingagwiritsidwe ntchito pogula nyumba kapena nyumba, kukonzanso, kukulitsa ndi kukonzanso nyumba yomwe ilipo. Mabanki ambiri ali ndi ndondomeko zosiyana kwa omwe akufunafuna nyumba yachiwiri. Kumbukirani kufunsa banki yanu yamalonda kuti ikufotokozereni bwino zomwe zili pamwambapa.
Banki yanu idzayesa kubweza kwanu posankha kuyenerera ngongole yanyumba. Kubweza kumatengera ndalama zomwe mumapeza pamwezi/zowonjezera, (zomwe zimatengera kuchuluka kwa ndalama zomwe mumapeza pamwezi kuchotsera zomwe mumawononga pamwezi) ndi zinthu zina monga ndalama za mnzanu, katundu, ngongole, kukhazikika kwa ndalama, ndi zina. Cholinga chachikulu cha banki ndikuwonetsetsa kuti mukubweza ngongoleyo bwino panthawi yake ndikuwonetsetsa kuti ikugwiritsidwa ntchito komaliza. Ndalama zomwe zimapezeka pamwezi zimakwera, ndiye kuti ndalama zomwe ngongoleyo ikuyenera kulandira zimakwera. Nthawi zambiri, banki imaganiza kuti pafupifupi 55-60% ya ndalama zomwe mumapeza pamwezi / zowonjezera zimapezeka pakubweza ngongole. Komabe, mabanki ena amawerengera ndalama zomwe amapeza pamalipiro a EMI potengera ndalama zonse zomwe munthu amapeza osati ndalama zomwe amapeza.
Glossary of mortgage term pdf
Obwereketsa amaganizira zingapo zofunika kubwereketsa pa nthawi yofunsira ngongole, kuchokera pamtundu wa malo omwe mukufuna kugula mpaka ngongole yanu. Wobwereketsa adzakufunsaninso zikalata zosiyanasiyana zachuma mukafunsira kubwereketsa, kuphatikiza zikalata zaku banki. Koma kodi statement yakubanki imamuuza chiyani wobwereketsayo, kuwonjezera pa ndalama zomwe mumawononga mwezi uliwonse? Werengani kuti mudziwe zonse zomwe wobwereketsa angatenge kuchokera ku manambala omwe ali pasitetimenti yanu yakubanki.
Malipoti aku banki ndi zikalata zandalama za mwezi uliwonse kapena kotala zomwe zimafotokozera mwachidule zomwe mumabanki. Ndemanga zitha kutumizidwa ndi positi, pakompyuta, kapena zonse ziwiri. Mabanki amatulutsa ziganizo kuti akuthandizeni kusunga ndalama zanu ndikuwonetsa zolakwika mwachangu. Tiyerekeze kuti muli ndi akaunti yochezera komanso akaunti yosungira: zochitika zamaakaunti onse awiri zitha kuphatikizidwa mu chiganizo chimodzi.
Malipoti anu aku banki azithanso kufotokoza mwachidule kuchuluka kwa ndalama zomwe muli nazo muakaunti yanu komanso kukuwonetsani mndandanda wazinthu zonse zomwe zachitika pakanthawi yomwe mwapatsidwa, kuphatikiza ma depositi ndi zochotsa.
Kalata Yofotokozera za Insurer Mortgage Explanation Letter
Kufunafuna wobwereketsa kungakhale kosokoneza komanso kochititsa mantha. Pokhala ndi makampani ambiri ndi mitundu ya obwereketsa omwe mungasankhe, mutha kukhala opuwala posanthula. Kumvetsetsa kusiyana pakati pa mitundu ikuluikulu ya obwereketsa kungakuthandizeni kuchepetsa gawolo.
Mtundu wa ngongole yomwe mumasankha ndiyofunikira, koma kusankha wobwereketsa woyenera kungakupulumutseni ndalama, nthawi, komanso kukhumudwa. Ichi ndichifukwa chake ndikofunikira kutenga nthawi kuti mufananize mitengo. Kuonjezera apo, ndi munda wodzaza kwambiri. Pali obwereketsa ogulitsa, obwereketsa mwachindunji, obwereketsa nyumba, obwereketsa, obwereketsa, ndi ena, pomwe ena mwa maguluwa amatha kuphatikizika.
Wobwereketsa nyumba ndi bungwe lazachuma kapena banki yanyumba yomwe imapereka ndikulemba pansi ngongole zanyumba. Obwereketsa ali ndi malangizo enieni otsimikizira ngati ali ndi ngongole komanso kuthekera kobweza ngongoleyo. Iwo amaika mikhalidwe, chiwongola dzanja, ndondomeko yobwereketsa ndalama ndi zina zofunika za ngongole yanyumba.
Mortgage broker amagwira ntchito ngati mkhalapakati pakati pa inu ndi obwereketsa. Mwanjira ina, obwereketsa nyumba samawongolera malangizo angongole, ndondomeko, kapena chivomerezo chomaliza cha ngongole. Agents ndi akatswiri omwe ali ndi zilolezo omwe amalemba fomu yanu yobwereketsa nyumba ndi zolemba zofunikira ndipo angakupangitseni zinthu zomwe mungalembe mu lipoti lanu la ngongole ndi ndalama kuti muwonjezere mwayi wanu wovomerezeka. Ambiri obwereketsa nyumba amagwirira ntchito kukampani yodziyimira pawokha yobwereketsa, kuti athe kukusaka obwereketsa angapo m'malo mwanu, kukuthandizani kuti mupeze ndalama zabwino kwambiri zomwe mungathe komanso kupereka. Wobwereketsa nthawi zambiri amalipira obwereketsa ngongole ngongole ikatseka; nthawi zina wobwereka amapereka ndalama zothandizira wothandizira panthawi yotseka.
