Unogona here kuwana rendi nekondirakiti yemwedzi gumi nemiviri?
FHA nhungamiro yechikwereti inotaura kuti nhoroondo yekutanga munzvimbo yazvino haidiwe. Nekudaro, mukweretesi anofanira kunyora makore maviri ekutanga basa, dzidzo, kana basa rechiuto, uye kutsanangura chero mapundu.
Munyoreri anofanira kungonyora nhoroondo yebasa yemakore maviri apfuura. Hapana dambudziko kana mukweretesi akachinja basa. Nekudaro, munyoreri anofanira kutsanangura chero mapundu kana shanduko dzakakosha.
Zvekare, kana iyi yekuwedzera mubhadharo ikadzikira nekufamba kwenguva, mukweretesi anogona kuibvisa, achifunga kuti mari yacho haigare mamwe makore matatu. Uye pasina nhoroondo yemakore maviri yekubhadhara nguva yakawandisa, mukweretesi anogona kunge asingakubvumidze kuti uzvitore pane yako yekutenga imba.
Pane zvisizvo. Semuenzaniso, kana uchishandira kambani imwe chete, ita basa rimwe chete, uye uine mari yakafanana kana iri nani, shanduko yemubhadharo wako kubva pamuhoro kuenda kune yakazara kana chidimbu komisheni inogona kusakukuvadza.
Nhasi hazvishamisi kuti vashandi varambe vachishandira kambani imwe chete uye kuva "consultants", ndiko kuti, vanozvishandira asi vanowana mari yakafanana kana yakawanda. Vanyoreri ava vanogona kunge vachitenderedza mutemo wemakore maviri.
Unogona here kuwana chikwereti nebasa remwaka?
Kana chivakwa chiri chivakwa chitsva uye chichizoshandiswa semba uye iwe uri mutengi wenguva yekutanga (mumwe munhu asina kumbova nembavha pamba pako munguva yakapfuura), unogona kunge uchikodzera chirongwa chekubatsira kutenga kusvika. 10% yemutengo wekutenga: 30.000 euros!
Zvinotonyanya kukosha, iwe zvakare uchafanirwa kuratidza kuti iwe unokwanisa kubhadhara mari yembavha kuti uwane iyi nhanho yemondi. Ngatitii chikwereti chemakore makumi matatu; zvakajairwa zvidimbu zvichave 30 euros pamwedzi. Tichaongorora mari yako zvakadzama kuti tive nechokwadi chekuti, zvichienderana nemari yako yawakachengeta uye yekurenda (kana uchiroja), unokwanisa kubhadhara mari idzi, pamwe nechikamu che1.066%, kureva €25, kuti titarise zvinogona kuwedzera mutengo. mhindu.
Iwe unogona kuwana chikwereti nekupa basa
Izwi rekuti "permanent loan" rinogona kuvhiringa nekuti zvarinoreva zvinogona kusiyana zvakanyanya zvichienderana nezviri kutaurwa. Semuenzaniso, mumusika wehunyanzvi hwekudhirowa, zvikwereti zvechigarire zvibvumirano umo mupi webasa reunyanzvi anobvuma kurikweretesa kunzvimbo yemifananidzo kana miziyamu kwenguva yakareba.
Muchirevo chechinyorwa chino, zvikwereti zvechigarire ndeimwe nzira yekupa kana chipo. Zvakadaro, nepo izwi rekuti "chikwereti" richiwanzoreva chinangwa chemari, zvikwereti zvechigarire munyika yehunyanzvi hazviwanzo batanidza chero kubhadhara mubereko kana kumwe muripo wemari. Pane kudaro, mupi anongotarisira kuti sangano rinogamuchira riteedzere mamwe maparamendi, sekubvumirana paurefu hwechikwereti uye kuronga kuti mupi agamuchire kuzivikanwa neveruzhinji nezvemifananidzo yakakweretwa. Zvisinei neshoko rekuti "chisingaperi," zvikwereti zvechigarire izvi ndezvenguva pfupi, nemashoko anowanzo kubva pamakore mashanu kusvika makumi matatu.
Munyika yezvivakwa, izwi rekuti "permanent loan" rinoshandiswa kutsanangura zvikwereti zvembavha zvinovimbiswa nevagadziri vezvivakwa mushure mekunge imwe chirongwa chapera. Izvi zvikwereti zvechigarire zvembavha zvinowanzotsiva mari yechikwereti chekuvakisa iyo mugadziri aivimba nayo kuti igadzire chivakwa ichi uye chigadzirire kutengeswa. Pano zvakare, kunyangwe izwi rechigarire richishandiswa, tsananguro yakadzama ingave 'chikwereti chenguva refu'. Nguva dzeAmortization yezvikwereti zvechigarire zvezvivakwa zvinowanzove pakati pemakore gumi nemashanu ne15, aine makore makumi maviri nemashanu ari muenzaniso wakajairika.
Kumiswa kwechibvumirano chenguva yakatarwa yemortgage
Paunoshandura mabasa mushure mekukumbira chikwereti, vanyori vepasi vanofanira kutanga basa ravo zvakare, vachiisa chikumbiro chako pabasa rako idzva. Zvakare, kana ukachinja mabasa, nhoroondo yako yebasa ichanyanya kugadzikana kubva pakuona kwemukweretesi.
Nekudaro, usati wanyorera chikwereti chako chitsva chemba, unofanirwa kuona kuti mukweretesi wako achaona sei shanduko yebasa rako. Kana shanduko yebasa ichisimudza mureza mutsvuku kune wako anokweretesa, funga kunonoka basa rako shanduko kusvika pakuvhara pachikwereti chako chitsva chemba.
Iwe unoda kubvuma, asi imba yako itsva iri kuvakwa uye iwe unoda imwe imba yekubhadhara imba kana imba yapera mune imwe mwedzi miviri. Bill ari kunetsekana kuti shanduko yebasa ichakanganisa kubvumidzwa kwake kwembande.
Pat ari kuenda kunotora basa idzva uye anoda kutenga imba pakarepo. Muchokwadi, iwe unoda kutenga imba yako usati watanga kushanda muguta rako idzva, asi unonetseka nezve kubvumidzwa kubhadhara imba iwe usati washanda.
Zvisinei, zvikwereti zveFHA zvinobvumira mari yekubhadhara kuverengwa pasi pemwedzi gumi nemiviri. Mushandirwi anofanira kunge achinja marongerwo emuhoro wemushandi, uye mushandirwi anofanira kunge ari pachinzvimbo chakafanana nemushandirwi mumwe chete.
