Chikwereti-kune-mari inowanikwa
Kuti upindure mubvunzo uyu, unofanirwa kuziva sarudzo dzechikwereti chemari, pamwe nezvinodiwa zvishoma kuti ukwanise kuzviita. Vanokweretesa vachatarisa chibodzwa chako chechikwereti, mari yaunowana, mari yaunochengeta, chikwereti, uye magwaro kuti vaone kana uchikodzera kuwana imba.
Zvitende kana kwete, haudi kiredhiti yakanakisa kuti uwane chikwereti. Zvirongwa zvakasiyana zvevatengi vemba zvine zvikwereti zvakasiyana zvinodiwa, uye dzimwe nguva kiredhiti yakaderera se580 inogona kusangana.
Mamwe mapurogiramu echikwereti, akadai seFHA, VA, uye USDA, anobvumira kushandiswa kwechikwereti chisiri chekare muchikwereti chechikwereti. Iwe unogona kumisa kukweretwa kwako kuburikidza nezvinhu zvakaita sekubhadhara kwekushandisa, kubhadhara rendi, kubhadhara inishuwarenzi, uye kubhadhara nharembozha.
Izvi zvinoshandawo kune vanozvishandira-vakwereta vemortgage, mune iyo mamiriro iwe uchafanirwa kupa yako pachako uye yebhizinesi mutero wekudzoka kwemakore maviri apfuura. Mutero unodzoka unofanirwa kuratidza kuti mari yagara iripo kwemwedzi makumi maviri nemana yapfuura, zvichireva kuti yakaramba yakafanana kana kuwedzera.
Panyaya ye USDA, semuenzaniso, mari yese yemhuri inofanira kunge iri pa kana pasi pe 115% yemuhoro wepakati. Uye kana uri kunyorera Fannie Mae's HomeReady kana Freddie Mac's Home Zvinogoneka chirongwa, mari yaunowana haifanire kudarika muganho wemari yekwaunogara.
Mortgage Calculator
Zvinodiwa zvekutanga kune vekunze muNetherlandsKuti uwane remba reDutch, unofanirwa kuve uine nhamba yeBSN. Kuronga kutamira kuNetherlands uye hausati wava neBSN? Isu tinokwanisa kuverenga bhajeti remari yako kuti tione kuti imarii yaungakwereta pasina nhamba yeBSN.
Ndinogona here kuwana remba muNetherlands kana ndiine basa renguva pfupi? Hongu, unogona kuwana rendi kana uine basa renguva pfupi. Iwe unogona kuwana remba muNetherlands kana uine basa renguva pfupi. Kuti uwane chikwereti, iwe uchakumbirwa kuziviswa kwechinangwa. Mune mamwe mazwi, iwe unofanirwa kuronga kuenderera mberi nebasa rako kana kontrakiti yako yenguva pfupi yapera. Pamusoro pezvo, iwe unofanirwa kupa runyoro rwemagwaro ekunyorera remba.
Chimwe chezvinodiwa kuti uwane chikwereti chemba muNetherlands nekukurumidza kuve nechibvumirano chisingaperi. Kana iwe uine kondirakiti isingaperi, yako mortgage application process ichakurumidza. Mamwe magwaro anodiwa kuti uwane imba yemba muNetherlands ndeaya:
kubvumirwa mberi
Zvikwereti zvibodzwa zvinogona kuve musoro unovhiringidza kune kunyangwe vatengi vane ruzivo rwemari. Vanhu vazhinji vanonzwisisa kuti chibodzwa chakanaka chechikwereti chinowedzera mikana yako yekuwana mbavha nekuti inoratidza mukweretesi kuti unogona kubhadhara chikwereti nenguva.
Ndosaka vazhinji vanokweretesa vachida kiredhiti kiredhiti kiredhiti kune zvikwereti zvavanopa. Asi iwe unoziva here kuti ndechipi chikamu chidiki chechikwereti chaunoda kuti utore imba uye utenge imba? Uye wanga uchiziva here kuti izvi zvishoma zvinosiyana zvichienderana nerudzi rwemortgage yauri kutsvaga?
Kazhinji, iwe unozoda kiredhiti chibodzwa chinosvika mazana matanhatu nemakumi maviri kuitira kuti uwane chikwereti chekutenga imba. Ndiwo chidimbu chechikwereti chinodiwa nevazhinji vanokweretesa pachikwereti chakajairika. Izvo zvakati, zvichiri kugona kuwana chikwereti chine yakaderera kiredhiti mamakisi, kusanganisira mamakisi mazana mashanu.
Hudiki hwekiredhiti mamakisi anodiwa kuti uwane imba yemba muna 2021 zvinoenderana nerudzi rwemondgage yaunoda kuwana. Zvibodzwa zvinosiyana kana uchinyorera chikwereti cheFederal Housing Administration-insured, chinozivikanwa zviri nani sechikwereti cheFHA; imwe inopihwa inishuwarenzi neUnited States Dhipatimendi reVeterans Affairs, inozivikanwa sechikwereti cheVA; kana yakajairika chikwereti chemba kubva kune yakazvimirira mukweretesi:
Rocket Mortgage
Kutenga imba kunogona kunakidza uye kunakidza, asi vatengi vakakomba vanofanira kutanga chirongwa pahofisi yemukweretesi, kwete paimba yakazaruka. Vatengesi vazhinji vanotarisira kuti vatengi vave netsamba yepre-approval uye vachave vakagadzirira kubata nevaya vanoratidza kuti vanogona kuwana mari.
Kufanorongerwa kwemba yemba kunogona kubatsira sefungidziro yekuti munhu angakwanise kushandisa marii paimba, asi kufanobvumirwa kunonyanya kukosha. Zvinoreva kuti mukweretesi aongorora chikwereti chemutengi uye akasimbisa magwaro ekubvumidza imwe mari yechikwereti (mvumo inowanzogara kwenguva yakati, senge 60-90 mazuva).
Vangango tenga vanobatsirwa munzira dzakati wandei nekubvunzana nemukweretesi uye nekuwana tsamba yepre-approval. Kutanga, vane mukana wekukurukura sarudzo dzechikwereti uye bhajeti nemukweretesi. Chechipiri, mukweretesi anoongorora chikwereti chemutengi uye afumura chero matambudziko. Mutengi anozozivawo huwandu hwepamusoro hwavanogona kukwereta, izvo zvinovabatsira kumisa huwandu hwemutengo. Kushandisa mortgage calculator ndiyo yakanaka sosi yekuronga bhajeti.
