Chii chinoitika kana inishuwarenzi akaramba chikwereti?
Danho Rinotevera: Ongorora MaReports Ako Kana wakanyimwa imba yemba zvichibva paruzivo rwuri murepoti yako yechikwereti, unekodzero yekopi yemahara kuitira kuti ugone kuona kuti rondedzero ndeyechokwadi. Kuburikidza naKubvumbi 2021, vatengi vanogona kuwana kopi yemahara yeredhiyo yavo yechikwereti svondo rega rega kubva kumahofisi makuru matatu ekiredhiti vachishandisa AnnualCreditReport.com Pokana chero kukanganisa kana ruzivo rwechinyakare nekufonera agency yekubika kiredhiti pamhepo, kana kunyora tsamba nekuitumira neyakasimbiswa. tsamba. Kana ruzivo rwakashata pamushumo wako rwakarurama, inguva chete ndiyo inoibvisa. Zvinhu zvizhinji zvisina kunaka zvichagara pamushumo wechikwereti chako kwemakore anosvika manomwe, kusanganisira kunonoka kubhadhara, kufanovharwa, kana kubhuroka kweChitsauko 13. Kana wakanyimwa chikwereti chechikwereti nekuti hauna nhoroondo yakakwana yechikwereti, tora matanho ekuvaka nhoroondo yako yechikwereti. Sarudzo mbiri ndedzekuwana kadhi rechikwereti rakachengetedzwa kana kuva nenguva yerendi uye mari yekubhadhara inoshandiswa yakashumwa kumahofisi echikwereti. Chikonzero chekuramba: Chibodzwa chechikwereti chakaderera.
Mortgage chikwereti chakarambwa pakuvhara
Kana mupiro wagamuchirwa, zvingaite sekunge hapana chinokumisa, asi pane chipingamupinyi chekupedzisira chauchazoda kujekesa zvese zvisati zvapera. Inonzi nzira yekunyora pasi, uye inobatsira kuona kana chikumbiro chako chechikwereti - uye mikana yako yekutenga imba yaunoda - ichagamuchirwa kana kurambwa.
Nzira yekunyora pasi inoitika apo mukweretesi anosimbisa mari yako, midziyo, chikwereti, chikwereti, uye pfuma. Ruzivo urwu rwakakosha kuti uve nechokwadi chekuti uri pachinzvimbo chakanaka chekutora mabasa emari emumba uye kuti mari yakanaka kune anokweretesa. Muchidimbu, zvinobatsira mukweretesi kuongorora njodzi yekukukweretesa.
Munyori wepasi anoongorora magwaro aya kuti aone kuti mari yaunowana uye kugadzikana kwebasa, pamwe nekugona kwako kubhadhara chikwereti, kufambirana nekubhadhara kwembande, uye kubhadhara mari yekuvhara, mubhadharo, uye chikwereti chemba.
Preapproval yemortgage haivimbisi remangwana rekuvhara sarudzo nemuitisi. Rudzi urwu rwekubvumidza dzimwe nguva rwunobva paruzivo rwekutanga rwaunopa, uye ungangoda kana kusada kuti ucherere mushumo wako wechikwereti kana mari senge pasi pekunyora.
Chikwereti chemondi charambwa, ndinganyorerazve riini?
Kurambwa nemukweretesi wemba, kunyanya mushure mekupihwa mvumo, kunogona kuodza mwoyo zvikuru. Zvisinei, kana izvi zvaitika kwauri, haufaniri kurasikirwa netariro: pane chikonzero chacho, uye pane nzira dzaungatora kuti urege kuramba mune ramangwana.
Kana iwe usina chirevo chakasimba chechikwereti, unogona kurambwa. Danho rekutanga rekugadzirisa dambudziko iri nderekutanga kuvaka nhoroondo yechikwereti kuitira kuti mukweretesi ave neruzivo rwemabatiro aunoita chikwereti nechikwereti. Vanoda kuona kuti unogona kuidzosera zvine mufungo. Kugadzirisa zvibodzwa zvako zvechikwereti kunoratidza mukweretesi wako kuti wakazvipira kutenga imba uye zvakare kuchaita kuti zvive nyore kunyorera zvimwe zvikwereti mune ramangwana.
Iwe unogona zvakare kunyimwa chikwereti nekuda kwekushaya mari yakakwana. Vanokweretesa vachaverenga chikwereti chako-ku-income ratio (DTI) kuti uve nechokwadi chokuti une mari yakakwana pamwedzi yekubhadhara imba yako, pamwe nechimwe chikwereti chaungave unacho. Kana DTI yako yakawandisa kana kuti mari yaunowana haina kukosha zvekuratidza kuti unokwanisa kubhadhara mwedzi wega wega, ucharambwa.
Mortgage kuramba tsamba
Kutenga imba yako yekutanga kunogona kuve chiitiko chinonakidza uye chinokatyamadza. Kwete chete iwe unofanirwa kuwana iyo chaiyo nzvimbo, asiwo iyo chaiyo mortgage. Nekuwanikwa kuri kushomeka mumisika zhinji yemuno uye mitengo yemba ichikwira munyika yese, kuwana imba inokwanisika kunogona kuve kwakaoma.
Unganzwa uchidzvinyirirwa kutsvaka imba pakarepo, asi usati washanyira misha ndokutanga kubhidha, mari yako inofanira kuva yakarongeka. Izvi zvinoreva kuve nechokwadi chenhoroondo yako yechikwereti uye kiredhiti kiredhiti, chikwereti-kune-muhoro chiyero, uye yakazara zvemari mufananidzo zvinogonesa mukweretesi kuti une chikwereti chakakwana kukwereta.
Hapana anofarira zvinoshamisa, kunyanya asati atenga imba. Kana iwe kana wawakaroorana naye mune matambudziko ari pachena echikwereti-akadai senhoroondo yekunonoka kubhadhara, zviito zvekuunganidza chikwereti, kana chikwereti chakakosha-vakweretesi vemortgage vanogona kupa mareti asina kunaka uye mazwi (kana kuramba chikumbiro chako zvachose). Chero yeaya mamiriro anogona kushungurudza uye kunonoka nguva yako yekupedzisira.
Kuti ugadzirise matambudziko angangoitika kare, tarisa gwaro rako rechikwereti mahara gore rega rega pa annualcreditreport.com kubva kune yega yega matatu emadhipatimendi ekuzivisa zvikwereti: Transunion, Equifax uye Experian. Tarisa zvikanganiso uye kupokana chero zvikanganiso mukunyora neiyo reporting agency uye mukweretesi, kusanganisira magwaro anotsigira ekubatsira kuita nyaya yako. Kuti uwane rumwe rubatsiro rwekuita, funga kushandisa imwe yeakanakisa yekuongorora kiredhiti masevhisi.
