Kuti mudziwe zambiri zaposachedwa komanso zolondola, funsani wobwereketsa nyumba kapena mlangizi wanu wanyumba zanyumba kapena katswiri panthambi ya RBC yakudera lanu. Simudzabwezeredwa ngati, mutamaliza FactFind, mupereka zidziwitso zolakwika, kusankha kusavomereza zomwe tapereka, kapena kusiya kubweza ngongole. Izi zipangitsa kuti ntchitoyo ikhale yayitali, koma mutha kudzifotokozera nokha. Ndinu omasuka kufunafuna upangiri wanu wodziyimira pawokha, koma ngati mutero mudzakhala ndi udindo pamtengo wa upangiri wotero. Ngakhale kuti ambiri amaposa mtengo wokhazikika womwe umathandizira chimodzimodzi ndi mzimu wa ngongole, ena amasankha digiri yosinthika ngati alephera kugwiritsa ntchito mwayi wokhala ndi chiyembekezo komanso kutanthauzira kwa Bambo. zokwanira kuyika pachiswe polingalira kuti chilango chake chinali bodza. Nthawi yeniyeni yomwe izi zidzatenge zimadalira zinthu zingapo, kuphatikizapo ndalama zomwe mumapeza, ngongole, ndi zinthu zina pa lipoti lanu la ngongole. Ngongole zanthawi zonse zitha kukhala zochepetsera zowononga kwambiri mdziko muno, zomwe zitha kulimbikitsa zina mwazofunikira. Mitengo ndi Zambiri Zopindulitsa Pewani kugwa ndi 20% chilango chamtsogolo Zofuna nthawi ndizosavuta kukonza ndikusintha mwamakonda anu ndipo zimagwirizana ndi mbiri yanu Conventional refinancing Kwa eni nyumba omwe akuwoneka kuti akutsatira zomwe amalipiritsa, PennyMac amachitanso ngongole yobwereketsa yomwe adagwirizana.
Monga mukuwonera kuchokera m'mawu omwe ali pamwambapa, mitengo yolosera ya akatswiri azamakampani ikwera m'miyezi ikubwerayi. Desired Amortization Table Pambuyo podina Tumizani, tebulo lachiwongola dzanja limawonetsedwa. Ngati iyi ndi ngongole yanyumba yomwe ilipo, Wowonjezera Mortgage Payment Calculator angaganize kuti palibe malipiro omwe aperekedwa pamwezi womwe ulipo, kotero mwezi womwe ulipo udzagwiritsidwa ntchito ngati chiyambi cha ndandanda yamalipiro a amortization. Ziribe kanthu kuti mumalipira zingati mwezi uliwonse, zidzakuthandizani kulipira ngongole yanu mwachangu. Magawo ophatikizika ndi opambana-kupambana omwe amaphatikiza zogulitsa ndi zolipira pamwezi za wobwereka ndi wobwereketsa yemwe sali wobwereka kuti akonzekere ngongoleyo. Ngongolezi ndi njira yabwino kwambiri kwa ogula nyumba a m'badwo woyamba kuti apeze zothandizira, koma nthawi zina kusintha kwa ngongole yoyenera kumatha kukhala kosangalatsa mukangopanga chilungamo chanu. Ngati muli ndi zaka 15, ingosinthani gawoli ndi "15." Ngakhale ngongole zomwe mwagwirizana zitha kukhala ndi chiwongola dzanja chokwera, zomwe mumalipira pamwezi zitha kukhala zosasangalatsa. Ngakhale ngongole zovomerezeka zitha kukhala ndi chiwongola dzanja chokwera, zolipira pamwezi zitha kukwezabe nsidze.
Mukabweza ngongole yomwe muli nayo kale, kuchuluka kwa zomwe muli nazo pazachuma zitha kukhala zazikulu kuposa moyo wangongole. Koma obwereka akhoza kubwereka ku ma FHA angapo kuti agule kapena kubweza ngongole yanyumba. FHA nthawi zambiri imapempha kuti ipereke malipiro ochepa, malipiro osadziwika bwino amaperekedwa, nthawi yocheperapo imafunika pazochitika za escrow akuluakulu (zotsekera ndi kubweza ngongole), ndipo amatha kuyang'anira wobwereka ngati kuli kofunikira. ) kuti athandizire kukwanira kwa ngongole zobwereketsa zosakanikirana. Ngongole zokhazikika zokhazikika sizimapereka izi. Ngongole yokhazikika imatha kugwiritsidwa ntchito kulipirira nyumba yofunikira, malo osakhazikika kapena ntchito yobwereketsa. Munapanga €6.000 mu ndalama zobwereka chaka chimenecho. Koma mwina sipadzakhala kuwonjezeka kwa zinthu zatsopano chaka chino kapena chotsatira. Palinso malo oti mutchule ngongoleyo, komanso malo oti mulowetse ndalama zomwe mumalipira pamwezi.
Palinso kusinthasintha kowonjezera kukondweretsa zitsanzo zambiri za katundu, kuphatikizapo malo othandizira ndi zovala. Komabe, ngongole za FHA nthawi zambiri sizingagwire ntchito zina zanyumba kapena zovala pokhapokha zitatsimikiziridwa ndi a HOC. Komabe, m’kupita kwa nthaŵi, kugula nyumba kungakhale njira yabwino yowonjezerera ukonde wanu. Komabe, muyenera kukumbukira kuti chowerengerachi chimangokupatsani chiyerekezo cha nthawi yobwereketsa. Lipoti lachidule (losindikizidwa) litha kupangidwa kutengera zomwe mudalowa mu calculator. Calculator imaganiza kuti muyika ndalama zomwe mwasunga. Inshuwaransi yawadset yokhazikika idzagwa pokhapokha ngongoleyo ikakhutitsidwa mpaka 78% ya ndalama zothandizira ngongole (LTV), pamene malipiro a FHA adzakhala m'dziko la ngongole ngati zokololazo zinali zosakwana 10%. Mitengo ndi Ubwino Wambiri Zambiri Mapeto anu onse ndi 80% LTV kuthawa chenjezo la bond Flexible capping contract ikhoza kukupulumutsirani ndalama popanda kukulitsa nthawi ya ngongole yanu Mortgage Type Refinance Conventional Cash Out A PennyMac Refinance Loan ndi Procession paroxysm yopanda tsankho m'moyo wanu. nyumba kuti iwononge zinthu zomwe zimakonda kukonza nyumba, kulephera mochedwa kapena ndalama zina zilizonse zomwe mumapewa kuzilamulira.
