Ndiani anotumira gwaro remba
Vanokweretesa vanoda kuve nechokwadi chekuti vari kuongorora mamiriro ako nemazvo, kana ruzivo rwavari kuongorora rwusina kururama, danho ravo rekubvumidza kana kuramba chikwereti chako richakanganiswa.
Paunenge uchinyorera chikwereti, unozokumbirwa kuti upe humbowo hwemari yaunowana, senge pay stubs, tsamba kubva kune waunoshandira, mutero unodzosera kana chiziviso chekuongorora, pamwe nezvirevo zvinoratidza dhipoziti yako kana zvikwereti zviripo zvaunazvo, uye kunyangwe gwaro ID kuratidza kuti ndiwe ani chaizvo.
Isu tiri nyanzvi dzemortgage broker dzinogona kukubatsira kuti chikwereti chako chibvumirwe. Kana iwe uchida kuita musangano kana kutaura nemumiririri, tifonere pa1300 889 743 kana kubvunza pamhepo.
“…Akakwanisa kutiwana nekukurumidza uye nekupokana kwechikwereti aine mubereko wakanaka apo vamwe vakatiudza kuti zvaizonyanya kuoma. Kufadzwa zvikuru nebasa ravo uye vangakurudzira zvikuru Nyanzvi dzeMortgage Loan mune ramangwana ”
"... vakaita kuti kunyorera uye kugadzirisa maitiro kuve nyore uye kusanetsekana. Vakapa ruzivo rwakajeka uye vaikurumidza kupindura chero mibvunzo. Vaive vakabuda pachena mune zvese zvaiitwa. "
Nei chapupu chichidiwa pagwaro rechikwereti chemba?
Chikwereti cheMortgage imhando yechikwereti chinowanikwa nekuvimbisa pfuma kana midziyo nebhanga sechibatiso chekubhadhara mari yacho. Zvinoenderana nechinyorwa 58 cheMutemo Wekufambiswa Kwezvivakwa, chikwereti chemba ndiko kutamisa chimbadzo mune chaiyo real estate chivakwa chakaitwa kuitira kuvimbisa kudzoserwa kwemari yakawedzerwa sechikwereti kune anokwereta.
Nemutauro wakapfava, mortgage zvinoreva kuti kana munhu achida chikwereti kubhanga, anochiwana chero achichengeta imba yake kana kuti flat nebhanga sechibatiso. Izvi zvinoreva kuti kana mukwereti akasagadzirisa mari, bhanga rinogona kutora imba yakataurwa kana flat uye kuitengesa kuti idzore zvikwereti zvasara.
Kunyangwe maitiro ekunyorera achigona kusiyana kubva kubhangi kuenda kubhangi, kuve nezita rakajeka renzvimbo chinhu chinosungirwa kune chero chikwereti chemumba. Izvi zvinodaro nekuti bhanga haridi kuti chero zvichemo zvipinde munzira yekusimbisa vimbiso. Izvi zvinoreva kuti kana mukwereti akaisa uye bhangi richida kutengesa pfuma uye kudzoserwa mari, rinofanira kudzivirira dambudziko rematare echitatu-bato rinogona kubata zita remukwereti.
Mortgage deed witness
Kuwana chikwereti chemumba zvinogara zvichireva kuitwa kwegwaro rechikwereti nemukwereti wechikwereti achifarira mukwereti wemba. Pamusoro pechikwereti, kunewo mamwe magwaro ayo bhangi angangoda kuti aurayiwe kuti ape kuchengetedzwa kuri nani kwekubhadharwa kwechikwereti chemba.
Bhangi rega rega muHong Kong rine fomu rayo rechikwereti remba. Muna Chivabvu 2000, Hong Kong Mortgage Corporation Limited yakaunza muenzaniso wegwaro rembande iro rinogona kutorwa nemabhanga. Uyu muenzaniso wegwaro rembande riri muChirungu uye kune shanduro yeChinese. Kazhinji, gwaro remba remba richange riine, pakati pezvimwe, zvinotevera:
Mubati anobhadharisa/anoisa pfuma yake kubhangi sechibatiso. Muchikwereti che "mari-yose", nzvimbo yacho ichava chibatiso chezvikwereti zvemukwereti, pasina miganhu. Saka, kana munhu wemukwereti akakumbira kusunungurwa kweimba yakakweretwa kubva kumukwereti, mukwereti ane kodzero yekukumbira mukwereti kuti abhadhare chikwereti chake chese panguva iyoyo nebhangi, kusanganisira, somuenzaniso, overdrafts. kufambiswa kwechikwereti chepakutanga chemortgage.
Zvinotora nguva yakareba sei kuti uwane zita reimba mushure mekubhadhara chikwereti
Kutenga imba inguva inonakidza, asi kukumbira chikwereti kunogona kunetsa. Paunonyorera chikwereti, pane akati wandei magwaro achakumbirwa nemukweretesi wako. Nzira yakanaka yekudzikisa kushushikana paunenge uchinyorera remba ndeyekuita shuwa kuti une zvese zvinyorwa zvaungade paruoko usati watanga maitiro ekunyorera. Heano magwaro mashanu akanyanya kukosha ako mukweretesi wembavha achada kuti iwe ugone kugadzirira kana nguva yasvika.
Chikamu chemari yako yekubhadhara imba ndeyekuzivisa mari yaunowana, saka iwe uchafanirwa kupa yako yazvino maW-2s uye mutero unodzoka kuti uzviratidze. Gore roga roga, mushandirwi wako anofanira kukutumira fomu itsva yeW-2 kuti uise nemitero yako, uye mushure mokunge waisa iyo, unofanira kuchengeta kopi yemutero wako wekudzokera. Aya magwaro anodonongodza nhoroondo yako yezvemari, izvo zvinozobatsira mukweretesi wako kuona huwandu hwemari yaunokwanisa kutenga. Kana usati watova nazvo, tanga kuzviunganidza nekukurumidza.
Mukweretesi angangokukumbira kuti upe yako yazvino mubhadharo stubs, kazhinji mukati memazuva makumi matatu. Aya mabhadharo anoratidza mukweretesi zvauri kuwana izvozvi, uye batsira kupedzisa mufananidzo wako wemari. Nepo W-30s uye mitero inodzoserwa inogona kuudza vanokweretesa zvawakatambira gore rapfuura, kubhadhara stubs vape mufananidzo wekare wemamiriro ako emari.
