2022 Documents Yechikwereti Yemba Yekutarisa
Kuita kuti nzira yekubhadhara imba iende nekukurumidza sezvinobvira, ipfungwa yakanaka kuti mapepa ako agadzirire usati wanyorera. Vanokweretesa vanowanzoda magwaro anotevera anotsigira kuti aenderane nechikumbiro chako chechikwereti:
Ziva zvakare kuti unogona kushandisa rezinesi rako rekutyaira sehumbowo hwekuzivikanwa kana humbowo hwekero (ona pazasi), asi kwete ese ari maviri. Kadhi racho rinofanira kunge riripo uye rinoratidza kero yako yazvino; Kana ikaratidza kero yako yekare, kunyangwe iwe uchifunga kuti kero yako iripo ndeyenguva pfupi, unozofanirwa kuigadzirisa.
Iyo P60 ifomu rinopihwa nekambani yako pakupera kwegore rega rega remari (Kubvumbi) uye rinoratidza huwandu hwemari yako, mutero uye Social Security mipiro mukati megore rapfuura. Havasi vese vanokweretesa vemortgage vanozvida, asi zvinogona kubatsira kuva kana mibvunzo ikamuka nezvenhoroondo yemari.
Iwe unofanirwa kuwana kopi yerepoti yako yechikwereti, zviri nani kubva kuEquifax kana Experian, iyo inonyanya kushandiswa nevakweretesi vemba. Kunonoka kubhadhara, kukanganisa, uye mitongo yedare zvinokanganisa chikwereti chako uye zvinogona kutungamira mukuramba chikumbiro.
Zvinodiwa kune UK mortgage
Zvinodiwa zvechikwereti zvemunhu zvinosiyana nemukweretesi, asi pane mashoma ekufunga - senge kiredhiti mamakisi uye mari - ayo vanokweretesa vanogara vachifunga kana vachiongorora vanyoreri. Usati watanga kutsvaga chikwereti, zvizivise izvo zvinowanzoitika zvauchazoda kusangana nazvo uye zvinyorwa zvauchazoda kupa. Ruzivo urwu runogona kubatsira kugadzirisa maitiro ekunyorera uye anogona kuvandudza mikana yako yekuwana chikwereti.
Chikwereti chemunyoreri ndicho chimwe chezvinhu zvakakosha zvinotariswa nemukweretesi kana achiongorora chikumbiro chechikwereti. Zvikwereti zvinotangira pa300 kusvika pa850 uye zvinobva pazvinhu zvakaita senhoroondo yekubhadhara, huwandu hwechikwereti chasara, uye kureba kwenhoroondo yechikwereti. Vazhinji vanokweretesa vanoda kuti vanyoreri vange vaine zvibodzwa zvishoma zvinosvika mazana matanhatu kuti vakwanise, asi vamwe vanokweretesa vanokweretesa kune vanonyorera vasina nhoroondo yechikwereti.
Vanokweretesa vanoisa zvinodiwa mari kune vanokwereta kuti vaone kuti vane nzira dzekubhadhara chikwereti chitsva. Mari shoma inodiwa inosiyana nemukweretesi. Semuenzaniso, SoFi inoisa mari shoma inodiwa ye45.000 pagore; Avant yepasirese mari yegore inodiwa ingori $20.000. Usashamiswe, zvisinei, kana mukweretesi wako akasaburitsa mari shoma inodiwa. Vakawanda havadaro.
Mortgage magwaro pdf
Akazopedzisira afunga kutora chinhambwe ndokutenga imba itsva. Wakambozvibvunza here kuti chii chiri kuitika kuseri kwezviitiko uye ndeipi mibvunzo, zvinodiwa uye zvinhu zvinoita mutsauko pakati pemvumo nekuramba?
Sezvo chinangwa chedu chiri chekupa nharaunda maturusi uye dzidzo uye kuita kuti munhu wese azive, adzidze uye ape simba vatengi, pano tichapa muchidimbu kuti munyoreri anoongorora sei chikumbiro (aka munhu anosarudza mhedzisiro yechikumbiro chavo). Vhiki yega yega, tichatsanangura chimwe nechimwe chinhu/C zvakadzama - saka ramba uchitarisa zvatinoisa svondo rega rega!
Chikwereti chinoreva kufanotaura kwekubhadhara kweanokwereta zvichienderana nekuongororwa kwemari yavo yapfuura yechikwereti. Kuti uone chibodzwa chechikwereti chemunyoreri, vanokweretesa vachashandisa avhareji yezvibodzwa zvitatu zvekiredhiti zvakataurwa neatatu mabheti echikwereti (Transunion, Equifax, uye Experian).
Nokuongorora zvikonzero zvemari zvomunhu, zvakadai senhoroondo yokubhadhara, chikwereti chose maringe nechikwereti chiripo chose, marudzi echikwereti (chinotenderedza maringe nechikwereti chakasiiwa), mukwereti mumwe nomumwe anopiwa chibodzwa chechikwereti chinoratidza mukana wechikwereti chinotarisirwa uye chakabhadharwa. Chibodzwa chepamusoro chinoratidza kune mukweretesi kuti kune njodzi shoma, izvo zvinoshandura muyero iri nani uye temu kune anokwereta. Mukweretesi anotarisa pachikwereti pakutanga, kuti aone kuti ndeapi matambudziko angamuka (kana anogona kusavapo).
Ndingawana here imba yemba?
Kutsvaga imba kunogona kunakidza uye kunakidza, asi vatengi vakakomba vanofanira kutanga maitiro kuhofisi yemukweretesi, kwete paimba yakashama. Vatengesi vazhinji vanotarisira kuti vatengi vave netsamba yepre-approval uye vachave vakagadzirira kubata nevaya vanoratidza kuti vanogona kuwana mari.
Kufanorongerwa kwemba yemba kunogona kubatsira sefungidziro yekuti munhu angakwanise kushandisa marii paimba, asi kufanobvumirwa kunonyanya kukosha. Zvinoreva kuti mukweretesi aongorora chikwereti chemutengi uye akasimbisa magwaro ekubvumidza imwe mari yechikwereti (mvumo inowanzogara kwenguva yakati, senge 60-90 mazuva).
Vangango tenga vanobatsirwa munzira dzakati wandei nekubvunzana nemukweretesi uye nekuwana tsamba yepre-approval. Kutanga, vane mukana wekukurukura sarudzo dzechikwereti uye bhajeti nemukweretesi. Chechipiri, mukweretesi anoongorora chikwereti chemutengi uye afumura chero matambudziko. Mutengi anozozivawo huwandu hwepamusoro hwavanogona kukwereta, izvo zvinovabatsira kumisa huwandu hwemutengo. Kushandisa mortgage calculator ndiyo yakanaka sosi yekuronga bhajeti.
