Mortgage loan zvinodiwa kune vanozvishandira
Hurumende yeSME Recovery Loan Scheme (iyo Scheme) yakagadzirirwa kutsigira kudzoreredzwa kwehupfumi uye kupa rubatsiro runoenderera kune maSME akatarisana nekukanganisa kwehupfumi mudambudziko rekoronavirus.
Nekuona kuenderera mberi kuri kuita hupfumi hwechirwere chekoronavirus, Hurumende yakazivisa musi wa13 Zvita 2021 kuti yakanga iri kugadzirisa Mitemo yeScheme yekuwedzera SME Recovery Loan Scheme (pasi pemitemo yakasiyana) kuti ipe rutsigiro kune maSME akanganiswa hupfumi nedenda re coronavirus. . Mitemo yehurongwa yakadzokororwa yakaburitswa muna Zvita 15, 2021 uye yakatanga kushanda pazuva rekuwedzera chirongwa cha2022 (Ndira 1, 2022).
Scheme iri kuvandudza kugona kwevakweretesi kupa kiredhiti yakachipa kune mamwe maSME anokwanisa kuwana imwe mari yekupfuura nedambudziko reCoronavirus, vadzoke pamakumbo avo uye vodyara ramangwana. Hurumende ichashanda nevanokweretesa mari kuona kuti maSME anokodzera awana mari yekuchengeta nekusimudzira mabhizinesi avo.
Pasi peyazvino SME Recovery Loan Scheme, zvikwereti zvinowanikwa kubva Kubvumbi 1, 2021 kusvika Zvita 31, 2021, ine 80% vimbiso yeHurumende. Mukati megadziriro yekuwedzera kweChirongwa cha2022, zvikwereti zviripo kubva Ndira 1, 2022 kusvika Chikumi 30, 2022, ine 50% vimbiso yeHurumende.
Mienzaniso yeabusive contractual clauses
A: Dzimba dzakavhurika hadzina kumbobvira dzakarambidzwa zvakajeka muVirginia; Nekudaro, Virginia REALTORS® inokukurudzira kuti ukurukure njodzi dzinogona kuitika uye mabhenefiti eimba yakavhurika nevatengi, kunyanya kana iri munzvimbo yakatarwa. Dzimwe dzedziviriro dzekuchengetedza dzaunogona kukurukura nevatengi vako dzinosanganisira:
A: Kwete, hapana chinhu chinoda kuti bhizinesi ripe zvekufukidzira kumeso kune vatengi kana vatengi. Kana iwe ukapa zvekufukidzira kumeso, zvinofanirwa kunge zviri zvekushandisa chete kudzivirira njodzi yekusakwana kuuraya utachiona.
A: Kana iyo nzvimbo iri munzvimbo yakaonekwa neCDC seya, vatengi vanofanirwa kupfeka masiki kana vari mumba. Kana mutengesi akabatanidza chinodikanwa chemask sechikamu chemirairo yekuratidzira, vatengi nevamiririri vanofanirwa kupfeka masiki pavanopinda muchivakwa.
MuVirginia, varidzi vemba havagone kumisa chirendi kana kutora nhanho kuti vatore nzvimbo yekusabhadharwa rendi nemunhu ane hunyanzvi, kunze kwemamwe mamiriro. “Muroja anokodzera” ndeuyo ane:
Mutemo weVirginia ikozvino unosimbisa zvimwe zvinodiwa kune zviziviso zvekunonoka kubhadhara rendi. Takanyora zviziviso zviviri zvakasiyana, chimwe chevaridzi vemba vane zvivakwa zvina kana zvishoma uye chimwe chevaridzi vane zvivakwa zvishanu kana kudarika. Unogona kuzviwana pano Yakagadziridzwa Kubvumbi 21, 2022:
Kushandiswa kwemutemo
Paunenge uchizvishandira uye uchida kutenga imba, unozadza iyo imwe chete yemortgage application sevamwe vese. Vakweretesi vemortgage vanofungawo zvinhu zvimwe chetezvo kana iwe uri munhu anozvishandira: chikwereti chako, chikwereti chaunacho, midziyo yako nemari yaunowana.
Saka chii chakasiyana? Paunoshandira mumwe munhu, vanokweretesa vanoenda kune waunoshandira kuti vaone huwandu uye nhoroondo yemari iyoyo, uye mukana wekuti ucharamba uchiwana. Paunenge uchizvishandira, unosungirwa kuti upe magwaro anodiwa kuti uone kuti mari yaunowana yakagadzikana.
Kana iwe uchizvishandira, iwe unenge watojaira kuve wakarongeka uye chengetedza mari yako. Izvo zvichakubatsira kana yasvika nguva yekunyorera remba, sezvazvichaita izvi kuunganidzwa kwezvaunoda kuziva uye kugadzirira.
Kana iwe uine humbowo hunoenderana uye hwakavimbika hwemari, iwe unenge uri nhanho imwe padyo nekupihwa mvumo yekutenga imba. Ramba uchifunga kuti kunyangwe iwe uri kuita mari nguva dzese, mihoro yako yapfuura ichakanganisawo kugona kwako kuwana chikwereti. Mukweretesi wako achakumbira zvinotevera:
Mortgage zvikwereti kune vanozvishandira 2021
Tinogashira muripo kubva kune vamwe vatinoshanda navo vane zvavanopihwa papeji rino. Hatina kuongorora zvese zviripo kana zvinopihwa. Muripo unogona kupesvedzera marongero anoitwa zvinopihwa papeji, asi maonero edu ezvekunyora nemaratidzo haakonzerwi nemuripo.
Zvizhinji kana zvese zvigadzirwa zvinoratidzwa pano zvinobva kune vatinoshanda navo vanotibhadhara komisheni. Aya ndiwo maitiro atinoita mari. Asi kuvimbika kwedu kwekunyora kunovimbisa kuti maonero enyanzvi dzedu haasi kukanganiswa nemuripo. Mitemo inogona kushanda kune zvinopihwa zvinoonekwa pane ino peji.
Wakagadzirira kunyorera rendi. Wakachengeta mubhadharo wakaderera, wakabhadhara chikwereti chakanyanya-mubereko, uye wawana rondedzero yako yechikwereti ichipenya. Kusvika panguva ino, kubudirira kwechikumbiro chako kwave mumaoko ako. Asi simba rinochinja kana wawana imba. Kuti uwane chikwereti, uye kiyi yeimba, unoda chisimbiso chekubvumirwa kubva kune inshuwarisi. Asi izvozvo zvinorevei? Ramba uchiverenga kuti uzive.
Iyo mortgage underwriting process inoshandiswa nevakweretesi kuti vaone chokwadi cheruzivo rwunopihwa nemukwereti pachikumbiro chechikwereti chemba. Munyoreri wekambani yemortgage anotarisa mari yako, zvikwereti, uye zvinhu. Munhu uyu anozoona kuti mari yaunowana ndeye pamutemo uye kuti mari iri muakaundi yako ndeyako. Kuti uve nechokwadi chekuti zvakachengeteka kuita kudaro, munyori wepasi anofanira kuziva kuti ndiwe waunotaura kuti ndiwe uye kuti iwe unogona kutarisirwa zvine musoro kuita mari yemwedzi nemwedzi yemortgage.
