Ndicharasikirwa nedhipoziti yangu kana ndikanyimwa imba yemba?
Kana chikumbiro chako chemba chikarambwa, pane zvinhu zvakawanda zvaunogona kuita kuti uvandudze mikana yako yekubvumidzwa nguva inotevera. Usamhanyire kune mumwe mukweretesi, sezvo chikumbiro chega chega chinogona kuoneka pafaira rako rechikwereti.
Chero zvikwereti zvepayday zvawakave nazvo mumakore matanhatu apfuura zvichaonekwa pane rekodhi yako, kunyangwe iwe wakazvibhadhara nenguva. Zvinogona kuverengera kwauri, sevanokweretesa vangafunga kuti hauzokwanisi kubhadhara mari yekuva nechikwereti.
Vanokweretesa havana kukwana. Vazhinji vacho vanoisa data rako rekushandisa mukombuta, saka unogona kunge usina kupihwa imba nekuda kwekukanganisa pafaira rechikwereti. Mukweretesi haakwanisi kukupa chikonzero chaicho chekutadza chikumbiro chechikwereti, kunze kwekunge chine hukama nefaira rako rechikwereti.
Vanokweretesa vane maitiro akasiyana ekunyora pasi uye vanotora akati wandei ezvikonzero paunenge uchiongorora chikumbiro chako chemba. Inogona kuve yakavakirwa pamusanganiswa wezera, mari, chinzvimbo chebasa, chikwereti-ku-value ratio, uye nzvimbo yepfuma.
Ndeapi muzana yezvikumbiro zvemortgage zvinotenderwa
Kunyangwe vakakwira nguva pfupi yadarika, mibairo yemumba ichiri pedyo nekuderera kwavo kwenhoroondo, ona pano mitengo yakaderera yaungakodzera, kunyangwe nyanzvi dzinotarisira kuti dzichakwira. Asi iwe unogona kusawana remba kana ukawira mune chero yeiyi misungo: Zvinoenderana neshumo neNerdWallet iyo yakaongorora dhata rekushandisa remba, 8% yezvikumbiro zvembambi zvakarambwa, uye pakanga paine zviuru makumi mashanu nezvisere zvakarambwa muna 58.000 kupfuura muna 2020 (kunyangwe, kutaura chokwadi, pakanga paine mamwe maapplication embavha). Nhamba 2019 chikonzero chekuramba izvozvo? Chikwereti-ku-income (DTI) chikamu chisingafadzi, icho chaive nemhosva ye1% yezvose zvakarambwa. "Chikwereti-ku-muhoro chikamu chekare ndicho chikonzero chekutanga chekuramba," anotsanangura kudaro Elizabeth Renter, muongorori wedata kuNerdWallet. Inoteverwa neyakaderera kiredhiti mamakisi, ndicho chikonzero chechipiri uye ine mhosva ye32% yekuramba. Heino nzira yekudzivirira iyo DTI trap.
Mortgage Denial Letter Zvinodiwa
Danho Rinotevera: Ongorora MaReports Ako Kana wakanyimwa imba yemba zvichibva paruzivo rwuri murepoti yako yechikwereti, unekodzero yekopi yemahara kuitira kuti ugone kuona kuti rondedzero ndeyechokwadi. Kuburikidza naKubvumbi 2021, vatengi vanogona kuwana kopi yemahara yeredhiyo yavo yechikwereti svondo rega rega kubva kumahofisi makuru matatu ekiredhiti vachishandisa AnnualCreditReport.com Pokana chero kukanganisa kana ruzivo rwechinyakare nekufonera agency yekubika kiredhiti pamhepo, kana kunyora tsamba nekuitumira neyakasimbiswa. tsamba. Kana ruzivo rwakashata pamushumo wako rwakarurama, inguva chete ndiyo inoibvisa. Zvinhu zvizhinji zvisina kunaka zvichagara pamushumo wechikwereti chako kwemakore anosvika manomwe, kusanganisira kunonoka kubhadhara, kufanovharwa, kana kubhuroka kweChitsauko 13. Kana wakanyimwa chikwereti chechikwereti nekuti hauna nhoroondo yakakwana yechikwereti, tora matanho ekuvaka nhoroondo yako yechikwereti. Sarudzo mbiri ndedzekuwana kadhi rechikwereti rakachengetedzwa kana kuva nenguva yerendi uye mari yekubhadhara inoshandiswa yakashumwa kumahofisi echikwereti. Chikonzero chekuramba: Chibodzwa chechikwereti chakaderera.
Mortgage kuramba tsamba
Kurambwa kwechikumbiro chemumba kunogona kuve chiitiko chinoshungurudza. Kana ukanzwa wagadzirira kutenga imba asi vanokweretesa vanoita sevasingabvumirani, unenge uchida kunyatsonzwisisa kuti sei usina kubvumidzwa kukwereta imba. Imwe yetsananguro dziri pazasi ingangotsanangura mamiriro ako zvakadzama kupfuura tsamba yekuramba chikwereti.
Kana zvasvika pakubvumidza kana kuramba zvikumbiro zvembangi, vanokweretesa vanotevedzera mitemo iri mumazana emapeji ezvinyorwa. Zvichienderana nerudzi rwechikwereti chaunonyorera, mitemo iyi inogona kubva kuna Fannie Mae, Freddie Mac, Dhipatimendi reVeterans Affairs (VA), Federal Housing Administration (FHA), kana Dhipatimendi rekurima (USDA).
Pamusoro pemitemo iyi, vanokweretesa vanogona kunge vaine mimwe mitemo yemukati yavanotevedzera. Vamwe vanokweretesa vanongotevera mitemo yavo nekuti vanoronga kuchengeta zvikwereti. Asi vazhinji vanokweretesa vanotengesa zvikwereti zvavo kuna Fannie Mae kana Freddie Mac, saka isu tichataura nezve zvikonzero izvo vanokweretesa vanoraira vanokweretesa kuti varambe zvikumbiro zvechikwereti. Tevere, isu tichakurukura mhinduro kudambudziko rako rekuramba remba.
