Nzira yekuwana chikwereti cheimba
Kutenga imba ndechimwe chezvinhu zvinonakidza zvauchazomboita. Pamwe ndiyo zvakare inodhura zvakanyanya. Kunze kwekunge uine dziva rizere nemari, unozofanirwa kutora chikwereti chekubatsira mari yekutenga imba.
Usati wapinda muchirongwa chekunyorera remba, ipfungwa yakanaka kutora nhanho kumashure wotarisa marepoti ako echikwereti kutanga. Hutano hwako hwechikwereti huchaita basa guru mukuwana dhiri yakanaka pachikwereti chemba, kana kutopihwa mvumo.
Tanga nekutarisa marepoti ako echikwereti pane imwe neimwe yemakuru matatu makuru ekiredhiti: Experian, Equifax, uye TransUnion. Nzira iri nyore yekuita izvi ndeyekushanyira yearcreditreport.com, iyo yega webhusaiti yakatenderwa nemutemo wemubatanidzwa kupa mahara marepoti echikwereti kamwe pagore.
Tevere, ongorora mishumo yako kuti uone kuti hapana zvikanganiso kana maakaundi asiri ako angave akakuvadza chikwereti chako. Semuenzaniso, ongorora huchokwadi hweruzivo rwako pachako, senge zita, kero, uye nhamba yeSocial Security. Tarisa zvakare kuti maakaundi echikwereti uye zvikwereti pamishumo yako zvakashumwa nemazvo, kusanganisira chiyero uye chimiro. Ongorora kaviri kuti hapana akavhurika zvakavanzika maakaundi, izvo zvingaratidza kuti zvinokwanisika kuba chitupa.
Norsk mortgage
Usati watenga imba, unofanirwa kusarudza wauchashanda naye panguva yekutenga. Izvi zvinotanga nemumiriri wako wezvivakwa, kunyangwe mukuru wako wechikwereti chemumba anogona kunge akakosha. Vanogona kukuraira nezve refinancing kana zvikwereti zvemba kana iwe uchitova neimba yako. Chipangamazano wezvemari anogona zvakare kukubatsira kugadzirisa hurongwa hwako hwemari kuti usangane nezvido zvako zvechikwereti chemba. Chero zvazvingava, kana uchinge uine nyanzvi yechikwereti yaunogona kuvimba nayo, unogona kunge uine munhu iyeye kwemakore anouya, zvisinei nekambani yaunoshandira.
Mabhanga ebasa rakazara anozivikanwa se federally chartered financial institution. Vanopa zvikwereti zvemba pamwe chete nezvimwe zvigadzirwa zvekubhanga, sekutarisa nekuchengetedza maakaundi uye zvikwereti zvekutengesa uye zvebhizinesi. Vakawanda vanopawo mari uye zvigadzirwa zveinishuwarenzi. Mortgage zvikwereti zvinongori chimwe chikamu chebhizinesi ravo. Iyo Federal Deposit Insurance Company (FDIC) inoronga uye inoongorora yakazara-sevhisi mabhangi.
Nekune rimwe divi, nyika dzega dzega dzinoronga makambani emortgage. Mitemo iyi zvakare yakaoma zvakanyanya. Zvakare, kushandisa kambani yekukwereta kunoreva kuti hauzokwanisi kubatanidza maakaundi ako emari kuita sangano rimwe chete. Nekudaro, izvi zvinogona kunge zvisiri chipingamupinyi kune vamwe vanhu.
Mortgage certificate
Kana iwe uri kutenga imba, unofanirwa kuwana chibvumirano chemondgage pre-approval. Kufanobvumidzwa kwemumba kunokubatsira kuti unzwisise kuti imarii yaungakwereta kutenga imba, inoita kuti uwedzere kukwezva kune vatengesi, uye inokuzivisa iwe nezvematambudziko anogona kukanganisa kugona kwako kuwana chikwereti. Kuti utange watenderwa, unozofanirwa kupa mukweretesi wako magwaro avachashandisa kuratidza ruzivo rwako pachako, rwebasa, uye nezvemari.
Chinyorwa chekunyora: Chikwereti Karma chinogamuchira muripo kubva kune vechitatu vashambadziri, asi izvi hazvikanganise maonero evapepeti vedu. Vashambadziri vedu havatarise, kutendera kana kutsigira zvinyorwa zvedu zvekunyora. Yakarurama kusvika kuruzivo rwedu uye kutenda kwedu painoburitswa.
Isu tinofunga zvakakosha kuti iwe unzwisise maitiro atinoita mari. Chaizvoizvo, zviri nyore. Izvo zvinopihwa zvezvigadzirwa zvemari zvaunoona papuratifomu yedu zvinobva kumakambani anotibhadhara. Mari yatinowana inotibatsira kukupa iwe mukana wemahara kiredhiti zvibodzwa uye mishumo uye inotibatsira kugadzira edu mamwe makuru maturusi ekudzidzisa uye zvekushandisa.
Ndinofanira kuwana chikwereti kuburikidza nebhangi rangu here?
Mortgage chikwereti chinotorwa nebhanga kana nzanga yekuvaka kuti utenge imba kana chimwe chivako. Mortgage inowanzotora nguva refu, kazhinji inosvika makore makumi maviri nemashanu, uye inobhadharwa pamwedzi wega wega. Paunosaina chibvumirano chechikwereti, unobvuma kupa iyo pfuma sechibatiso. Izvi zvinoreva kuti kana iwe ukatadza kubhadhara yako, mukweretesi ane kodzero yekudzosa uye kutengesa chivakwa. Asi haugone kuzviita usina kutanga waenda kudare.
Mutengo wemortgage unoenderana nemubereko. Kune mhando dzakawanda dzekufarira, dzakadai seyakagadziriswa kana kuchinja. Zvakakosha kutora nguva yekuenzanisa mareti uye sarudza kuti ndeipi yakakunakira - unogona kushandisa chishandiso chekuenzanisa chemba pawebhusaiti yeMoney Advice Service.
Zvikwereti zvese zvakachengetedzwa zvinopa mukweretesi kodzero dzakafanana dzekutora imba kana mubhadharo usina kubhadharwa. Kana imba ikatorwazve, mari kubva pakutengesa ichagoverwa pakati pevakweretesi vakachengetedzwa nenzira iyo zvikwereti zvakaitwa.
