Kuti uwane ruzivo rwechizvino-zvino uye rwechokwadi, bvunza mutengesi wemondgage kana chipangamazano wako wemortgage kana nyanzvi kubazi rako reRBC. Iwe haugamuchire kudzoserwa kana, mushure mekupedza FactFind, iwe ukapa ruzivo rusina chokwadi, sarudza kusatambira kurudziro yedu, kana kubuda mukuita remba. Izvi zvichaita kuti maitiro ekunyorera atore kureba, asi zvirinani unogona kuzvitsanangura. Iwe wakasununguka kutsvaga yako wega yakazvimirira yemutemo zano, asi kana ukadaro unenge uine mutoro wemutengo wezano rakadaro. Kunyange zvazvo vazhinji vachipfuura kusimba kwemutengo wakagadzikana unotsigira zvakafanana nemweya wechikwereti, vamwe vachasarudza dhigirii inogadziriswa kana vakakundikana kutora mukana wehutano hwekusava netariro uye kutsanangurwa kwaVaM. Handina kumirira muimba yekugara. nzara yekutora mukana wekufunga kuti chirango chake aive manyepo. Nguva chaiyo ichatora izvi zvinoenderana nezvimwe zvinhu, zvinosanganisira mari yaunowana, chikwereti, uye zvimwe zvinhu pamushumo wako wechikwereti. Zvikwereti zvakajairwa zvinogona kuve kuderedzwa kukuru kwekukuvadza kunokanganisa nyika, izvo zvinogona kupa kusimudzira kune imwe yerubatsiro rwayo rwakakosha. Mitengo uye Ruzivo Rwakawanda Mabhenefiti Dzivisa kudhumhana ne20% kumberi chirango Nguva yezvishuwo zviri nyore kugadzirisa uye kugadzirisa uye zvinotoenderana neyako portfolio Conventional Refinancing Kune varidzi vedzimba vanoita sevanosangana nemhosva dzavo dzechipiri, PennyMac anoitawo chikwereti chakabvumiranwa chekudzorerazve mari.
Sezvauri kuona kubva kune makotesheni ari pamusoro, mafungidziro emitengo kubva kune maindasitiri mukati akaiswa kuti akwire mumwedzi iri kuuya. Inodiwa Amortization TableMushure mekudzvanya Tumira, tafura yeamortization inoratidzwa. Kana iyi iri mari yembavha iripo, iyo Yekuwedzera Mortgage Payment Calculator ichafunga kuti hapana mubhadharo wakaitwa wemwedzi wazvino, saka mwedzi wazvino uchashandiswa sekutanga kwehurongwa hwekubhadhara mari. Hazvina mhosva kuti ingani mari yekuwedzera yaunoita mwedzi wega wega, ichakubatsira kubhadhara chikwereti chako nekukurumidza. Mareshiyo akasanganiswa ari kuhwina mareshiyo anosanganisa zvigadzirwa uye mubhadharo wepamwedzi weanokwereta uye asiri wemukwereti anokwereta kuti vazvigadzirire ivo pachavo kukwereta. Zvikwereti izvi inzira inoshanda kune vekutanga vanotenga dzimba kuti vawane zviwanikwa, asi dzimwe nguva shanduko yekuenda kuchikwereti chaiyo inogona kunakidza kana wavaka kururama kwako. Kana uine temu yemakore gumi nemashanu, ingotsiva ndima iyi ne "15". Kunyange zvazvo zvikwereti zvakabvumiranwa zvingava nemhindu yepamusoro, mari yako yepamwedzi inogona kunge ichiri isina kujeka. Kunyange zvazvo zvikwereti zvinogamuchirwa zvingava nemubereko wepamusoro, mari yako yepamwedzi inogona kuramba ichikwevera pfungwa.
Paunenge uchidzosera chikwereti chako chiripo, huwandu hwekukwidza mari yako hunogona kunge hwakakura kupfuura hupenyu hwechikwereti. Asi vanokwereta vanogona kukwereta maFHA akawanda kuti vatenge kana kugadzirisa chikwereti chemba. FHA inowanzokumbira mari shoma yekutanga yemubairo, muripo wemubhadharo wakajeka unopihwa, nguva shoma inopera inodiwa kune nyaya dzekuremekedzwa kwevanhu vakuru (kuvharirwa uye kubhuroka), uye kana zvichidikanwa, inogona kutonga asiri-co-mukwereti. anogara (inova yakakodzera mumiriri) kutsigira kukwana kwesecond-hand loan yakasanganiswa reshiyo. Zvikwereti zvemubhadharo zvakajairika hazvipi izvi. Chikwereti chakajairwa chinogona kushandiswa kupa mari imba yakaoma, imba yepasi, kana basa rekurojesa. Wakawana €6.000 pamari yekurenda gore iroro. Asi pamwe hakuzove nekuwedzera mune nyowani hesera gore rino kana rinotevera. Kune zvakare nzvimbo yekutumidza chikwereti, pamwe nenzvimbo yekupinda mubhadharo wako wepamwedzi.
Kune zvakare kuwedzera shanduko yekufarira akawanda ezvivakwa mienzaniso, kusanganisira dzimba uye zvipfeko zvekubatsira zvivakwa. Nekudaro, zvikwereti zveFHA muzviitiko zvakawanda zvinogona kunge zvisiri zvekushandira dzimwe dzimba kana zvivakwa zvekupfeka kunze kwekunge zvasimbiswa nevekutonga HOC. Nekudaro, nekufamba kwenguva, kutenga imba inogona kuve nzira yakanaka yekuwedzera mambure ako. Nekudaro, iwe unofanirwa kuyeuka kuti iyi Calculator inokupa iwe fungidziro yenguva yakajairika yechikwereti. Pfupiso (inodhinda) mushumo inogona kugadzirwa zvichibva pane hunhu hwawakaisa mu Calculator. Iyo Calculator inofungidzira kuti iwe uchaisa mari yako yekuchengetedza. Inishuwarenzi yewadset yakajairika inongodonha kana chikwereti chagutsikana kusvika 78% yechikwereti chekushandisa (LTV), nepo FHA mapremium anogara munyika yechikwereti kana goho repasi raive pasi pegumi muzana. Mitengo uye rumwe ruzivo Yakanakira Magumo ako ese ndeye 10% LTV yekutiza bond yambiro imba kurwisa zvinhu zvechido chekuvandudza imba, kunonoka kutadza kana chero imwe mari inobvisa yaunodzivirira kutonga.
