Chikwereti Guarantor Zvinodiwa muSingapore
Kunze kwekunge bhizinesi rako riine Apple's balance sheet, zvingangoita kuti pane imwe nguva iwe uchafanirwa kuwana capital kuburikidza nebhizinesi mari. Kunyangwe mazhinji makambani makuru-mahombe anogara achitsvaga infusions yemari yekuzadzisa zvisungo zvavo zvenguva pfupi. Kune mabhizinesi madiki, kutsvaga nzira yakakodzera yekubhadhara mari kwakakosha zvakanyanya. Kana iwe ukatora mari kubva kune isiri iyo sosi, unogona kurasikirwa nechimwe chikamu chebhizinesi rako kana kuzviwana uine mazwi ekubhadhara anokuvadza kukura kwako kwemakore anotevera.
Chikwereti chekubhadhara bhizinesi rako chimwe chinhu chaungangonzwisisa zviri nani pane zvaunofunga. Une chikwereti chemondi kana chemotokari here? Ose ari maviri mafomu echikwereti chemari. Panyaya yekambani yako inoshanda nenzira imwechete. Mari yechikwereti inobva kubhangi kana imwewo imwe sangano rinokweretesa. Kunyangwe varidzi vepachivande vanogona kukupa iwe, hazvisi zvenguva dzose.
Ndiwo mashandiro azvinoita. Kana wafunga kuti unoda chikwereti, unoenda kubhangi wozadza chikumbiro. Kana kambani yako iri mumatanho ekutanga ebudiriro, bhangi rinotarisa chikwereti chako.
Mortgage vs. Mukwereti Singapore
Chii chinonzi mortgage? Mortgage chikwereti chinoshandiswa kubhadhara chikamu chemutengo weimba. Chikwereti chinowanzoda chirongwa chekubhadhara chakagadziriswa. Iyo pfuma yepasi inoshandiswa sechibatiso chechikwereti. Kana mukwereti akasabhadhara chikwereti nenguva, mukweretesi anogona kutorazve uye kutengesa pfuma, achishandisa mari yacho kubhadhara chikwereti chasara. Chikwereti chinonyanyozivikanwa ndicho chiyereso chakamisikidzwa, icho chinoisa mubereko wakatemerwa wehupenyu hwechikwereti. Kune zvakare chiyero chakasiyana chechikwereti, icho chinotevera mubereko wakasarudzika. Zvikwereti zvakasiyana-siyana zvine njodzi kune anokwereta, sezvo kukwira kwemutengo wepamusoro kunogona kukonzera kuwedzera kukuru kwekubhadhara kwembande.
Mas Mortgage Chikwereti Mitemo
Iwe unogona kuona kuti ndiani muridzi wemba yako yepamhepo, nekufona kana kutumira chikumbiro chakanyorwa kune wako webasa kuti abvunze kuti ndiani muridzi wemba yako. Mushandi anodiwa kuti akupe iwe, sekugona kweruzivo rwako, zita, kero, uye nhamba dzenhare dzemunhu ane chikwereti chako.
Hazvisi nyore nguva dzose kuziva kuti ndiani muridzi wemba yako. Zvikwereti zvizhinji zvembatya zvinotengeswa uye mushandiri waunobhadhara mwedzi wega wega anogona kunge asiri muridzi wemba yako. Pese apo muridzi wechikwereti chako anoendesa chibatiso kumuridzi mutsva, muridzi mutsva anosungirwa kukutumira chiziviso. Kana iwe usingazive kuti ndiani muridzi wemortgage yako, kune nzira dzakasiyana dzekuziva. Fonera mubatsiri wako wemortgage Unogona kuwana nhamba yako yemortgage servicer pane yako yemwedzi nemwedzi yemortgage statement kana coupon bhuku. Tsvaga Pamhepo Pane zvishandiso zvishoma zvepaindaneti zvaungashandisa kutsvaga muridzi wemortgage yako.o FannieMae Lookup Toolo Freddie Mac Lookup ToolUnogona kutarisa mushandirwi wako wemortgage pawebhusaiti yeMortgage Electronic Registration System (MERS). ).Tumira chikumbiro. mukunyoraImwe sarudzo ndeyekuendesa chikumbiro nekunyora kune wako wemortgage servicer. Mushandi anodiwa kuti akupe iwe, kusvika pakuziva kwayo, zita, kero, uye nhamba dzenhare dzemuridzi wechikwereti chako. Iwe unogona kutumira chikumbiro chakanyorwa chakakodzera kana chikumbiro cheruzivo. Heino muenzaniso tsamba yekukubatsira iwe kunyorera kune yako yemortgage servicer kukumbira ruzivo.
Mortgage Calculator
Dambudziko re subprime ra2007 kusvika 2010 rakabva pakuwedzera kwekuwedzera kwekukweretesa kwemba, kunyangwe kune vakwereta vangadai vakambonetsekana kuwana zvikwereti, kubatsira uye kufambisa kukurumidza kukwira kwemitengo yemba. Kubva kare, vangangotenga dzimba vainetseka kuwana mbavha kana vaine nhoroondo dzechikwereti dziri pasi peavhareji, vakabhadhara zvishoma, kana kuti vaitsvaga zvikwereti zvakakura. Kutoti dzaibhadharwa neinishuwarenzi yehurumende, vakweretesi vaiwanzoramba zvikumbiro izvozvo zveimba. Nepo dzimwe mhuri dzine njodzi huru dzakakwanisa kuwana zvikwereti zvidiki-zvinokosha zvakatsigirwa neFederal Housing Administration (FHA), vamwe, vakatarisana nesarudzo shoma dzechikwereti, vakarenda. Panguva iyoyo, varidzi vemba vakatenderedza 65%, mitengo yekuvharirwa yaive yakaderera, uye kuvaka imba nemitengo yainyanya kuratidza kushanduka kwemari yemumba uye mihoro.
Mukutanga uye pakati pemakore ekuma2000, subprime mortgages yakauya kuzopiwa nevakweretesi vaibhadhara zvikwereti kuburikidza nekuzvibatanidza mumadziva akatengeswa kune vatengesi. Zvigadzirwa zvitsva zvemari zvakashandiswa kuparadzira njodzi idzi, ine private-label mortgage-backed securities (PMBS) ichipa mari zhinji ye subprime mortgages. Kuchengetedzwa kushoma panjodzi kwaionekwa senjodzi yakaderera, kungave nekuti yaive yakachengetedzwa nemidziyo mitsva yemari kana nekuti zvimwe zvibatiso zvaizotanga kutora chero kurasikirwa pamari yembavha (DiMartino naDuca 2007). Izvi zvakabvumira vatengesi vekutanga vekutanga kuwana zvikwereti (Duca, Muellbauer, and Murphy 2011), uye nhamba yevaridzi vemba yakawedzera.
