Iyo yakanakisa mortgage nguva yevatengi vekutanga
Kushivirira kweMortgage kwabatsira mamirioni evaridzi vedzimba vekuAmerica vari kunetsekana nekurasikirwa kwemari yekugara mudzimba dzavo. Hurumende yemubatanidzwa ichangowedzera zororo, ichibvumira varidzi vedzimba kuti vambomira kubhadhara mari dzemba kusvika mwedzi gumi nemishanu, kubva pamwedzi gumi nemiviri yekutanga. Asi kune vamwe vanasaimba, rubatsiro urwu runogona kunge rusina kukwana. Vanongoda chete kubuda muchikwereti chavo.
Kana iwe uchinzwa kuda kutiza chikwereti chako nekuti haugone kubhadhara, hausi wega. Kubva muna Mbudzi 2020, 3,9% yezvikwereti zvembavha zvaive nehusimbe, zvichireva kuti angangoita mazuva makumi mapfumbamwe apfuura, sekureva kwekambani yedata redzimba CoreLogic. Huwandu hwehutsotsi hwakapetwa katatu kupfuura mwedzi mumwe chete muna 90, asi hwakadzika zvakanyanya kubva padenda repamusoro re2019% muna Kubvumbi 4,2.
Nepo kurasikirwa nebasa kuri iko chikonzero chinoita kuti varidzi vemba vatsvage nzira yekutiza imba, haisiriyo chete. Kurambana, mabhiri ekurapwa, kuenda pamudyandigere, kutamira kune imwe nzvimbo kune chokuita nebasa, kana kuti kadhi rechikwereti rakawandisa kana chimwe chikwereti zvinogonawo kuva zvinhu izvo varidzi vemba vangada kubuda mazviri.
Aib Mortgage
Kana uine dambudziko remari, hausi wegaRubatsiro rwuripo. Vazhinji varidzi vedzimba vane kodzero yeiyo coronavirus-inoenderana nekunetseka kwemari kutsungirira. Kushivirira kunoitika kana wako wemortgage sevhisi kana mukweretesi achibvumidza iwe kumisa kana kudzikisa mari yako yekubhadhara imba kwenguva shoma iwe uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge wadzoreredza tsoka yako yemari. Kushivirira hakusi otomatiki, asi kunofanirwa kukumbirwa kubva kune wemortgage servicer. Izvi zvingaite sedanho hombe, asi kutora matanho izvozvi kunogona kukubatsira kumbomira kubhadhara kwako uye kudzivirira kuvharirwa.
Conventional mortgage mari
Mortgage chikwereti chenguva refu chakagadzirirwa kukubatsira kutenga imba. Pamusoro pekubhadhara capital, iwe unofanirwa kubhadhara mubereko kune mukweretesi. Imba nenyika yakaipoteredza zvichava rubatso; Asi kana iwe uchida kuve nemba, iwe unofanirwa kuziva zvinopfuura izvi zvinowanzoitika. Iyi pfungwa inoshandawo kune bhizinesi, kunyanya kana zvasvika kune yakatarwa mitengo uye yekuvhara mapoinzi.
Anenge munhu wose anotenga imba ane chikwereti chemba. Mari dzembavha dzinowanzotaurwa panhau dzemanheru, uye fungidziro pamusoro pemafambiro emitengo ichafamba yave chikamu chenguva dzose chetsika yezvemari.
Imba yemazuva ano yakabuda muna 1934, apo hurumende - kubatsira nyika kuburikidza neKuderera Kukuru - yakagadzira chirongwa chekukweretesa icho chakaderedza kubhadhara kwaidiwa paimba nekuwedzera mari yaigona kukwereta varidzi vemba. Izvi zvisati zvaitika, 50% yekubhadhara pasi yaidiwa.
Muna 2022, mubhadharo we20% wepasi unodiwa, kunyanya sezvo kana mubhadharo uri pasi pe20%, unofanirwa kutora yakavanzika mortgage inishuwarenzi (PMI), inoita kuti mubhadharo wako wepamwedzi ukwire. Zvisinei, chinodiwa hachisati chiri hacho chinowanwa. Kune zvirongwa zvemortgage izvo zvinobvumira kudzika kwakadzika kubhadhara, asi kana iwe uchigona kuwana iyo 20%, unofanirwa.
Ireland Mortgage
Kana iwe uri kumashure pakubhadhara imba yako, mukweretesi wako anoda kuti iwe ubhadhare. Kana ukasadaro, mukweretesi achatora matanho emutemo. Izvi zvinodaidzwa kuti chiito chekutora uye zvinogona kukonzera kuti urasikirwe 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.
