Ndingawana here mari yembavha kana ndichangotanga basa idzva?
Kana iwe uine chikwereti chakashata asi uchida kuwana imba yemba, kuwedzera asiri-wekugara co-signer kune chikwereti chako kunogona kukubatsira kuwana mari. Nekudaro, sarudzo yekusaina chikwereti kana kuwedzera imwe kune yako yemba yemba haifanirwe kuitwa usingazive chokwadi chese.
Nhasi tichatarisa zvazvinoreva kuva munhu asiri kugara-mumwe-musaina -kana-mubatsiri-kusaina- pachikwereti chemondi. Muchikamu chino, tinokuratidza zvazvinoreva kuva co-signer uye pazvinobatsira. Tichakuzivisawo kune zvakaipira kusave mugari wemo uye dzimwe sarudzo dzako semukwereti.
Cosigner munhu anobvuma kutora mutoro wezvemari kuchikwereti chemukwereti wekutanga kana wekutanga akakwereta asingachakwanise kubhadhara, uye kazhinji inhengo yemhuri, shamwari, mukadzi/mukadzi kana mubereki.
Sei chikwereti chichigona kuvimbiswa? Vanhu vanosaina zvikwereti kubatsira nhengo dzemhuri kana shamwari dzinoda kukwereta kana kudzorera nechikwereti chakashata. Kana chikumbiro chako chemba chisina kusimba, kuwana shamwari kana nhengo yemhuri kuti isaine chikwereti chinoita kuti uve mumiriri anoyevedza.
Kurasikirwa nebasa rako mushure mekubvumidzwa kwemondi
Zvizhinji zvezvipo uye makadhi echikwereti anoonekwa pasaiti ino anobva kuvashambadziri vanowana muripo kubva kune ino webhusaiti. Muripo uyu unogona kukanganisa kuti uye kupi zvigadzirwa zvinoonekwa pane ino saiti (kusanganisira, semuenzaniso, kurongeka kwazvinoonekwa). Izvi zvinopihwa hazvimiriri zvese zviripo kadhi rechikwereti uye account sarudzo. * APY (Yegore Pezana Goho). Zvikwereti zvibodzwa zvinopihwa semirayiridzo chete uye kubvumidzwa hakuna kuvimbiswa.
Iyo pre-approval process inosanganisira kupa mukweretesi wemondgage nemutero wako wekudzoka kwemakore maviri apfuura, paycheck stubs, W-2s, zvirevo zvebhangi, uye mukweretesi achaongororawo nhoroondo yako yechikwereti.
Nekudaro, mukweretesi achada ruzivo nezve mupi. Izvi zvinosanganisira hukama hwavo newe, huwandu hwemupiro, uye mupi anofanira kuendesa tsamba inotaura kuti havatarisiri kubhadharwa.
Nekudaro, usati waenda nenzira iyi, ita shuwa kuti mese munonzwisisa njodzi dzine chekuita nekusaina chikwereti. Zita remunhu uyu richaonekwa pachikwereti chembavha, saka ivo vane mutoro wakaenzana wekubhadhara imba.
Kudzingwa panguva yemortgage process
Vakweretesi vemortgage vanowanzo simbisa basa rako nekubata waunoshandira zvakananga uye nekuongorora magwaro emari yazvino. Anokwereta anofanirwa kusaina fomu rinobvumidza kambani kuburitsa ruzivo rwebasa uye ruzivo rwemari kune angangoita mukweretesi. Panguva iyoyo, mukweretesi anowanzo fonera mushandirwi kuti awane ruzivo rwakakodzera.
Kazhinji, vanokweretesa vanosimbisa nemuromo ruzivo rwunopihwa nevanokwereta paUniform Residential Loan Application. Nekudaro, ivo vanogona kusarudza kusimbisa iyo data nefax, email kana musanganiswa wenzira nhatu idzi.
Vanokweretesa vanoshandisa ruzivo urwu kuverenga zvakasiyana-siyana kuti vaone kuti mukwereti anogona sei kubhadhara chikwereti. Shanduko yenzvimbo yebasa inogona kuve nemhedzisiro yakakura pane chikumbiro chemukwereti.
Vanokweretesa vanofarirawo kuona zita rebasa, muhoro, uye nhoroondo yebasa. Kunyange zvazvo vanokweretesa vachiwanzo ratidza mamiriro ebasa remukwereti iye zvino, vangangoda kusimbisa ruzivo rwebasa rapfuura. Iyi tsika yakajairika kune vanokwereta vanga vaine kambani yavo ikozvino kweasingasviki makore maviri.
Chii chinoitika kana ukarasikirwa nebasa rako panguva dhipoziti
Nekudaro, vanokweretesa vanosungirwa kuve nechokwadi chekuti unokwanisa kubhadhara chikwereti chako pasina dambudziko rakakura remari. Izvi zvinoreva kuti vanogona kubvunza kana iwe uchifungidzira chero shanduko mumamiriro ako munguva pfupi iri kutevera.
Uye mari inobatanidza nemwana mutsva-tisingarevi mari inoenderera mberi yekuchengeta vana-yaizowedzera kune mari yako, zvakare. Kugona kwako kubhadhara imba yemba kunogona kukanganiswa.
Paunonyorera imba yemba, vanokweretesa vanotarisa mari yako kubva pamakore maviri ekupedzisira ebasa. Vanotarisa mari yenguva dzose uye mukana wekuti ichaenderera mberi. Kuzorora kwekusununguka kunogona kukanganisa mukana iwoyo.
Kana mushandi akashanda mukambani imwe chete kwemwedzi inosvika gumi nemiviri aine hushoma hwemaawa makumi maviri nemana ekushanda pasvondo, mushandirwi anosungirwa kutevedzera mitemo yemutemo, zvakanyanya maererano nekudzoserwa kwemushandi kubasa mushure mekushanda. zororo rekusununguka.
