Akakundisa bhengi account yemortgage
Nzira yekuchengetedzeka kwemari nekunyaradza iwe nemhuri yako rwendo rwematanho madiki. Unoziva here pauri munzira? Uri kutora matanho akakodzera here kuti usvike kwaunoda kuva? Rega tikubatsire kuwana tsoka yako parwendo uye tikupe zviwanikwa uye maturusi aunoda kuti uenderere mberi.
Kubirwa zvitupa kuri kuramba kuchiwedzera. Kutarisa Kwakachengeteka* neIDProtect® inosanganisira yakasimba yakavakirwa-mukati yekuchengetedza maturusi kubatsira kukudzivirira zvirinani iwe nemhuri yako yese1. Vhura account yako yakachengeteka nhasi mumaminetsi mashanu chete.
Kushandisa hupenyu hwako zvine hungwaru kunoreva kutora matanho madiki kuhupenyu hwerudo nerubatsiro. Uye tiri pano kuti tikurudzire nekukupa simba munzira neruzivo rwunodzidzisa, rwunopa simba, uye rwunokurudzira munhu wega wega kusvika pachinangwa chake chepamusoro uye kuona budiriro yavo huru.
1 Mabhenefiti anowanikwa kune varidzi veakaundi yekutarisa ega, varidzi veakaundi avo akabatana uye nhengo dzemhuri dzakakodzera, zvichienderana nemitemo yebhenefiti nemamiriro. Mamwe mabhenefiti anoda kuvimbiswa, kunyoreswa uye / kana activation. Mabhenefiti haawanikwe kune "signer" paaccount uyo asiri muridzi weakaundi kana kumabhizinesi, makirabhu, trusts, masangano uye/kana machechi nenhengo dzawo, kana zvikoro nevashandi/vadzidzi vavo. Nhengo dzemhuri dzinosanganisira murume kana mukadzi, varoorani vanokodzera, uye vana veakaundi ari pasi pemakore makumi maviri nemashanu uye vabereki vanogara mumba imwe chete.
Ndinogona here kuchinja mari yechikwereti ndisati ndavhara?
Muna Kubvumbi 2022, nguva yepakati yekuvhara imba yemba yaive mazuva makumi mana nemasere, maererano neICE Mortgage Technology. Asi vazhinji vanokwereta vanovhara nekukurumidza. Iyo chaiyo nguva yekuvhara inoenderana nerudzi rwechikwereti uye kuti yakaoma sei mvumo yechikwereti, pakati pezvimwe zvinhu.
"Nguva dzekuvhara dzinosiyana, sezvo mavhareji enyika achiunza zvikwereti zvinotora nguva yakareba kuvhara kupfuura zvikwereti zvakajairwa, senge VA neHFA zvikwereti," anowedzera Jon Meyer, nyanzvi yechikwereti kuThe Mortgage Reports uye ane rezinesi MLO. "Vazhinji vanokwereta vanogona kutarisira kuvhara pachikwereti mumazuva makumi maviri kusvika makumi matatu."
Kunyangwe iwe uri mutengi kekutanga kana mutengi anodzokorora weimba nyowani, unofanirwa kufunga nezve maitiro ekutsvaga imba. Unoda chinopihwa chinogamuchirwa kuti chibatiso chako chibvumirwe, saka haugone kutanga zvizere kusvika wawana imba yaunoda. Izvi zvinogona kuwedzera mumwe mwedzi kana miviri pakarenda yako.
Kuwana pre-approved kunoreva kuti mukweretesi anotendera zvese zvikamu zvechikwereti chemba, kuwedzera kune pfuma. Paunenge uchinge uine chinogamuchirwa chinopihwa, wako mukweretesi atove nemusoro mukuru wekutanga pakubvumidzwa kwako kwekupedzisira.
Mukweretesi anogona kukanzura chikwereti chako here?
Kushivirira kunoitika kana wako wemortgage sevhisi kana mukweretesi achikubvumidza kuti umbomira (kumisa) kana kudzikisa mari yako yekubhadhara imba kwenguva shoma iwe uchiwanazve nhanho yako yemari. Mutemo weCARES unopa varidzi vedzimba vazhinji kodzero yekuti mari yembavha imiswe zvachose kwenguva yakati. Kushivirira hazvirevi kuti muripo wako ucharegererwa kana kudzimwa. Iwe uchiri kusungirwa kubhadhara wakapotsa kana kuderedzwa mubhadharo mune ramangwana, izvo muzviitiko zvakawanda zvinogona kubhadharwa nekufamba kwenguva. Pakupera kwekutsungirira, mushandi wako anokubata kuti akuzivise kuti mari yakarasika ichadzoserwa sei. Panogona kunge paine mapurogiramu akasiyana.
Matemo ekushivirira anozobvumiranwa pakati pako nemushandi wemondgage. Kana chikwereti chako chikatsigirwa nehurumende yemubatanidzwa uye wakasangana nekunetsekana kwemari nekuda kwedenda rekoronavirus, une kodzero yekukumbira uye kuwana zororo rinosvika mazuva zana nemakumi masere. Mushure meiyi nguva yekutanga yekushivirira, iwe zvakare une kodzero yekukumbira uye kuwana yekuwedzera kusvika kune mamwe mazuva zana nemakumi masere. Kana chikwereti chako chisina kutsigirwa nehurumende yemubatanidzwa, imari yega yega isina kuvharwa neCARES Act. Unogona kunge uchiri nekodzero yekuregererwa, asi unofanirwa kubata mushandi wako wechikwereti kuti uzive kuti ndedzipi sarudzo dzaunowana.
Iyo mortgage application inoda nhamba dzeakaundi yebhangi here?
Kana iwe uri kumashure pachikwereti chako, mukweretesi wako anoda kuti iwe ubhadhare. Kana ukasadaro, mukweretesi wako wemondgage achatora matanho emutemo. Izvi zvinodaidzwa kunzi chiito chekutora uye zvinogona kutungamira mukurasikirwa nemba yako.
Kana iwe uchizodzingwa, unogonawo kuudza mukweretesi wako kuti uri munhu ane njodzi. Kana vakabvuma kuramba vachidzingwa, unofanirwa kuzivisa dare uye bailiffs nekukasira: yavo yekuonana ichave pachiziviso chekudzingwa. Vacharonga imwe nguva yekukudzinga: vanofanirwa kukupa chimwe chiziviso chemazuva manomwe.
Iwe unogona kutaura kuti mukweretesi wako aita zvisizvo kana zvisina musoro, kana kuti haana kutevedzera nzira dzakafanira. Izvi zvinogona kubatsira kuti danho redare rinonotswe kana kunyengetedza mutongi kuti akupe mutongo wekutora zvinhu zvambomiswa pane kutaurirana nemukweretesi wako izvo zvingazoita kuti udzingwe pamba pako.
Mukweretesi wako haafanire kukutorera matanho emutemo asina kutevedzera Mortgage Codes of Conduct (MCOB) akaiswa neFinancial Conduct Authority (FCA). Mitemo yacho inoti mukweretesi wako wembavha anofanira kukubata zvakanaka uye nekukupa mukana wakakwana wekubhadhara zvikwereti, kana uchikwanisa. Iwe unofanirwa kufunga nezve chero chikumbiro chine musoro chaunoita chekuchinja nguva kana nzira yekubhadhara. Mukweretesi wemondgage anofanira kungotora danho repamutemo senzira yekupedzisira kana kumwe kuedza kuunganidza zvikwereti kwatadza kubudirira.
