The year percentage rate (APR) inhamba yemhindu inoratidza mutengo wembangi semwero wegore. Muyero uyu ungangove wakakwira kupfuura mwero wataurwa wenoti kana chiyero chakashambadzirwa pachikwereti chemba, nekuti chinotarisa mapoinzi uye mamwe mari yechikwereti. Iyo APR inobvumira vanotenga imba kuti vaenzanise marudzi akasiyana emortgages zvichienderana nemutengo wepagore wechikwereti chega chega. APR yakagadzirirwa kuyera "mutengo chaiwo wechikwereti." Inogadzira nzvimbo yekutamba kune vanokweretesa. Inodzivirira vanokweretesa kushambadza mwero wakaderera uye muripo wekuvanza.

Iyo APR haikanganisi kubhadhara kwako pamwedzi. Mari yako yemwedzi wega wega ibasa remubereko uye kureba kwechikwereti.

Nemhaka yokuti APR macalculations anoitwa nemari yakasiyana-siyana inobhadharwa nevakweretesi, chikwereti chine APR yakaderera haisi iyo iri nani. Nzira yakanakisa yekuenzanisa zvikwereti ndeyekukumbira vanokweretesa kuti vakupe fungidziro yekutenda kwakanaka kwemitengo yavo pamhando imwechete yechirongwa (semuenzaniso 30-makore yakatarwa) pachiyero chimwe chete chemhindu. Unogona kuzodzima mari dzakazvimirira pachikwereti senge inishuwarenzi yevaridzi vemba, muripo wezita, muripo we escrow, mubhadharo wemagweta, nezvimwe. Zvino wedzera mari dzese dzechikwereti. Mukweretesi ane mari yechikwereti yakaderera ane chikwereti chakachipa pane mukweretesi ane mari dzechikwereti dzakakwirira.

Mari dzinotevera dzinowanzo kuverengerwa muAPR:

Mapoinzi - zvese zvakaderedzwa mapoinzi uye mapoinzi ekutanga

Pre-paid interest. Mubereko wakabhadharwa kubva pazuva rekuvhara chikwereti kusvika kupera kwemwedzi.

Mari yekubhadhara chikwereti

Mari yekunyora pasi

Gwaro-kugadzirira mari

Private mortgage-inishuwarenzi

Escrow fee

Mari dzinotevera hadziwanzo kuverengerwa muAPR:

Title kana kuti abstract muripo

Mubhadharo Wemukwereti

Mari yekuongorora imba

Mari yekurekodha

Kutamisa mitero

Mushumo wechikwereti

Mari yekuongorora

Pazasi pane rondedzero yemagwaro anodiwa kana uchinyorera imba yemba. Nekudaro, ese mamiriro akasiyana uye iwe unogona kudikanwa kuti upe mamwe magwaro. Saka, kana ukakumbirwa mamwe mashoko, batira pamwe uye ipa ruzivo rwakumbirwa nokukurumidza sezvinobvira. Ichabatsira kukurumidza kuita basa.

Pfuma Yako

Kopi yechibvumirano chekutengesa chakasainwa kusanganisira vese vatasvi

Kuongororwa kwedhipoziti yawakaisa pamba

Mazita, kero uye nhamba dzenhare dzevose varidzi vezvivakwa, vavaki, vamiririri veinishuwarenzi uye magweta anobatanidzwa

Kopi yePepa Rokunyorwa uye tsananguro yepamutemo kana iripo (kana nzvimbo yacho iri kondomu ndapota ipai condominium chiziviso, mitemo uye bhajeti razvino)

Mari Yako

Makopi epay-stubs ako enguva ichangoburwa yemazuva makumi matatu uye gore-kusvika-zvino

Makopi emafomu ako eW-2 kwemakore maviri apfuura

Mazita nemakero evashandirwi vese kwemakore maviri apfuura

Tsamba inotsanangura chero mikaha mubasa mumakore maviri apfuura

Visa yebasa kana green kadhi (kopi pamberi & kumashure)

Kana uchizvishandira kana kugamuchira komisheni kana bhonasi, mubereko / migove, mari yekurenda:

Ipa zvizere zvemutero zvemakore maviri apfuura PLUS gore-kusvika-zuva Profit uye Kurasika chirevo (ndokumbira ipa yakazara mutero inodzosa inosanganisira zvakanamirwa masheti uye zvirevo. Kana iwe waisa yekuwedzera, ndokumbira upe kopi yekuwedzera.)

K-1's yekudyidzana kwese uye S-Corporations kwemakore maviri apfuura (ndopota-tarisa kaviri kudzoka kwako. MaK-1 mazhinji haana kubatanidzwa ku1040.)

Yakapedzwa uye yakasainwa Federal Partnership (1065) uye/kana Corporate Income Tax Returns (1120) kusanganisira ese masheti, zvirevo uye addenda kwemakore maviri apfuura. (Inodiwa chete kana chinzvimbo chako chiri 25% kana kupfuura.)

Kana iwe uchizoshandisa Alimony kana Child Support kuti ukwanise:

Ipa chirevo chekurambana / dare redare rinotaura huwandu, pamwe ne, humbowo hwekugamuchira mari yegore rapfuura.

Kana iwe ukagamuchira Social Security mari, Kuremara kana VA mabhenefiti:

Ipa mubairo tsamba kubva kune agency kana sangano

Kwakabva Mari uye Kubhadhara Kuderera

Kutengeswa kweimba yako iripo - ipa kopi yechibvumirano chekutengesa chakasainwa pane yako yazvino yekugara uye chirevo kana chibvumirano chekunyora kana chisina kutengeswa (pakuvhara, iwe unofanirwawo kupa kugadzirisa / Kuvhara Chirevo)

Kuchengetedza, kutarisa kana mari yemusika wemari - ipa makopi ezvinyorwa zvebhangi kwemwedzi mitatu yapfuura

Masheya nemabond - ipa makopi echirevo chako kubva kune wako broker kana makopi ezvitupa

Zvipo - Kana chikamu chemari yako yekuvhara, ipa Gift Affidavit uye humbowo hwekugamuchira mari

Zvichienderana neruzivo rwunoonekwa pachikumbiro chako uye/kana repoti yako yechikwereti, unogona kudikanwa kuendesa mamwe magwaro

Chikwereti kana Zvisungo

Gadzirira runyoro rwemazita ese, kero, nhamba dzeakaundi, masara uye mubhadharo wepamwedzi wezvikwereti zvese zviripo nemakopi ezvekupedzisira zvirevo zvitatu zvemwedzi.

Sanganisira mazita ese, kero, nhamba dzeakaundi, masara uye mubhadharo wepamwedzi wevaridzi vemba uye/kana varidzi vemba kwemakore maviri apfuura.

Kana iwe uri kubhadhara alimony kana kutsigirwa kwemwana, sanganisira kugarisana kwewanano / dare redare rinotaura zvisungo zvechisungo.

Tarisa kuti uvhare Mari yekushandisa (s)

Chikwereti scoring isystem inoshandiswa nevakweretesi kubatsira kuona kana kukupa chikwereti. Ruzivo pamusoro pako neruzivo rwako rwekukwereta, rwakadai senhoroondo yako yekubhadhara mabhiri, nhamba uye rudzi rweakaunti yaunayo, kunonoka kubhadhara, zviito zvekuunganidza, chikwereti chasara, uye zera reakaundi yako, inounganidzwa kubva pachikumbiro chako chechikwereti uye gwaro rechikwereti. Uchishandisa chirongwa chenhamba, vakweretesi vanofananidza ruzivo urwu nekuita kwechikwereti kwevatengi vane profil dzakafanana. A kiredhiti scoring system mibairo mapoinzi kune chimwe nechimwe chinhu chinobatsira kufanotaura kuti ndiani angangokwanisa kubhadhara chikwereti. Huwandu hwemapoinzi - kiredhiti mamakisi - inobatsira kufanotaura kuti wakakweretwa sei, ndiko kuti, zvingangoita sei kuti iwe udzorere chikwereti uye kuita mubhadharo kana wakakodzera.

Zvikwereti zvinonyanya kushandiswa zvakanyanya ndeye FICO zvibodzwa, izvo zvakagadziridzwa neFair Isaac Company, Inc. Zvibodzwa zvako zvichawira pakati pe350 (ngozi yakanyanya) uye 850 (ngozi shoma).

Nemhaka yokuti chirevo chako chekwereti chikamu chinokosha chezvikwereti zvakawanda zvezvikwereti, zvakakosha kuti uone kuti yakarurama usati watumira chikumbiro chechikwereti. Kuti uwane makopi erepoti yako, bata masangano matatu makuru ekubika kiredhiti:

Equifax: (800) 685-1111

Experian (yaimbova TRW): (888) EXPERIAN (397-3742)

Trans Union: (800) 916-8800

Aya masangano anogona kukubhadharisa mari inosvika $9.00 yerepoti yako yechikwereti.

Une kodzero yekugashira kiredhiti kiredhiti yemahara mwedzi gumi nemiviri yega yega kubva kune imwe neimwe yemunyika yose yemakambani ekubika chikwereti chevatengi - Equifax, Experian neTransUnion. Iyi yemahara kiredhiti kiredhiti inogona kunge isina kiredhiti yako uye inogona kukumbirwa kuburikidza neinotevera webhusaiti: https://www.annualcreditreport.com

Zvikwereti zvibodzwa zvemhando dzakaoma uye dzinowanzosiyana pakati pevakweretesi uye nemhando dzakasiyana dzechikwereti. Kana chimwe chinhu chichichinja, chibodzwa chako chinogona kuchinja -- asi kuvandudzwa kunowanzoenderana nekuti chinhu ichocho chine hukama sei nezvimwe zvinhu zvinotariswa nemuenzaniso. Mukweretesi chete ndiye anogona kutsanangura zvinogona kuvandudza zvibodzwa zvako pasi peiyo modhi inoshandiswa kuongorora chikumbiro chako chechikwereti.

Zvakadaro, zvibodzwa mamodheru anowanzo ongorora anotevera marudzi eruzivo mumushumo wako wechikwereti

Kunyange zvazvo kazhinji zvakanaka kuva neakaundi ekiredhiti maakaundi, akawandisa emakadhi ekiredhiti maakaundi anogona kuve nemhedzisiro yakaipa pazvibodzwa zvako. Pamusoro pezvo, mamodheru mazhinji anofunga nezvemhando yemaakaundi echikwereti aunawo. Semuenzaniso, pasi pemamwe emhando dzezvibodzwa, zvikwereti kubva kumakambani emari zvinogona kukanganisa chikwereti chako.

Zvibodzwa zvemhando zvinogona kunge zvichibva pane zvinopfuura ruzivo rwemushumo wako wechikwereti. Semuyenzaniso, modhi yacho inogona kufunga nezveruzivo kubva kuchikumbiro chako chechikwereti zvakare: basa rako kana basa, urefu hwebasa, kana kuti une imba.

Kuti uvandudze chikwereti chako chekwereti pasi pemhando dzakawanda, funga nezvekubhadhara zvikwereti zvako nenguva, kubhadhara zvikero zvakasara, uye kusatora chikwereti chitsva. Zvinogona kutora nguva kuti uvandudze zvibodzwa zvako zvakanyanya.

Iyo midziyo inotamiswa zviri pamutemo kubva kumutengesi kuenda kwauri pa "Kuvhara" kana "Mari".

Pakuvhara, muridzi wenzvimbo inotamiswa zviri pamutemo kubva kumutengesi kuenda kwauri. Izvi zvinogona kusanganisira iwe, mutengesi, vatengesi vezvivakwa, gweta rako, gweta remukweretesi, zita kana vamiriri vekambani ye escrow, mabharani, vanyori, nevamwe vashandi. Unogona kuita kuti gweta rikumiririre kana usingakwanise kuenda kumusangano wekuvhara, kureva, kana uri kunze kwenyika. Kuvhara kunogona kutora chero kubva paawa imwe kusvika kune akati wandei zvichienderana nechikamu chechiitiko mukutenga chinopihwa, kana chero maakaundi escrow anoda kumisikidzwa.

Mazhinji mapepa mukuvhara kana kugadzirisa anoitwa nemagweta uye real estate nyanzvi. Iwe unogona kana kusave uchibatanidzwa mune zvimwe zvekuvhara zviitiko; zvinoenderana nekuti wauri kushanda naye.

Usati wavhara iwe unofanirwa kuve nekuongorora kwekupedzisira, kana "kufamba-famba" kuti inshuwarisi yakakumbirwa kugadziriswa yakaitwa, uye zvinhu zvakabvumiranwa kuti zvirambe zviri mumba zviripo senge drapes, zvigadziriso zvemwenje, nezvimwe.

Munyika zhinji kugadziridzwa kunopedzwa nezita kana kuti escrow firm yaunotumira zvese zvese neruzivo pamwe neakakodzera macheki ecashier kuitira kuti femu ikwanise kubhadhara inodiwa. Mumiririri wako achaendesa cheki kumutengesi, uye ozopa makiyi kwauri.

Nhanganyaya

Musoro uyu une ruzivo rwePamusoro-mutengo wemortgage chikwereti, kusanganisira:

Tsanangudzo yeHPML

· Zvinodiwa zveHPML chikwereti

Tsanangudzo yeHPML

Kazhinji, chikwereti chepamusoro-chepamusoro chechikwereti ndechimwe chine chikamu chegore negore, kana APR, yakakwirira kudarika chiyero chebhenji chinonzi Average Prime Offer Rate.

Avhareji yePrime Offer Rate (APOR) chiyero chegore negore chakavakirwa paavhareji yemareti emubereko, mubhadharo, uye mamwe mazwi pazvikwereti zvinopihwa kune vanokwereta vane hunyanzvi.

Mortgage yako ichaonekwa seyepamusoro-yemutengo wemari yekukweretesa kana APR iri imwe chikamu chepamusoro kupfuura APOR zvichienderana nerudzi rwechikwereti chaunacho:

Chekutanga-chikwereti chemba: APR i1.5 muzana mapoinzi kana kupfuura kupfuura APOR.

· Jumbo Chikwereti: APR i2.5 muzana kana kupfuura kupfuura APOR

· Subordinate-lien mortgages (2nd Lien): APR yeiyi mortgage ndeye 3.5 muzana mapoinzi kana kupfuura kupfuura iyo APOR

Zvinodiwa pachikwereti cheHPML

Chikwereti chepamusoro-chepamusoro chemondi chichava chinodhura kudarika chikwereti chine mazwi akaenzana. Naizvozvo, mukweretesi wako anozofanira kutora mamwe matanho kuti ave nechokwadi chekuti unokwanisa kubhadhara chikwereti chako zvakare uye hauzotadza. Mukweretesi wako angangofanira:

· Wana wongororo yakazara yemukati kubva kune ane rezinesi kana ane certified appraiser

•Ipa imwe ongororo yeimba yako mahara, kana iri “Flipped” imba

·Muzviitiko zvakawanda, chengetedza account ye escrow kwemakore angangoita mashanu

Nhanganyaya

Ichi chinyorwa chine ruzivo rweATR Rule uye Qualify Mortgage, kusanganisira:

· Chii chinonzi ATR mutemo?

· Mhando dzechikwereti dzinoregererwa kubva kuQualify Mortgage

Chii chinonzi ATR mutemo?

Iyo yekukwanisa-ku-kudzorera mutemo ndiyo inonzwisisika uye yakanaka kutenda kutsunga vazhinji vanokweretesa vemba vanodiwa kuti ukwanise kudzosera chikwereti.

Pasi pemutemo, vanokweretesa vanofanirwa kuziva, kufunga, uye kunyora mari yemukwereti, midziyo, basa, nhoroondo yechikwereti uye mari yemwedzi. Vanokweretesa havagone kungoshandisa sumo kana "teaser" chiyero kuti vaone kana mukwereti achikwanisa kubhadhara chikwereti. Semuenzaniso, kana chikwereti chine mubereko wakaderera unokwira mumakore anotevera, mukweretesi anofanira kuita nhamburiko ine musoro kuti aone kana mukwereti achikwanisa kubhadhara mubereko wepamusoro zvakare.

Imwe nzira iyo mukweretesi anogona kutevera iyo yekukwanisa-ku-kudzorera mutemo ndeyekuita "Yakakodzera Mortgage".

Zvikwereti Type dzinoregererwa kubva kuQualify Mortgage

· Nguva ye “interest-chete”, kana uchibhadhara mubereko chete usina kubhadhara mukuru wechikoro, inova mari yawakwereta.

· “Negative amortization” iyo inogona kubvumira mukuru wechikwereti chako kuti awedzere nekufamba kwenguva, kunyangwe uri kubhadhara.

· "Balloon Payments" iyo yakakura-kupfuura-yakajairika kubhadhara pakupera kwenguva yechikwereti. Nguva yekukwereta ndiyo hurefu hwenguva iyo chikwereti chako chaunofanira kubhadharwa nacho. Ziva kuti mabharumu ekubhadhara anobvumidzwa pasi pemamwe mamiriro ezvikwereti zvakaitwa nevadiki vanokweretesa.

· Matemu echikwereti akareba kupfuura makore makumi matatu.

Kuvimbika zvisungo zvakagadzirirwa kuchengetedza avo policyholders kubva chero kurasikirwa kunoitika semugumisiro zvinokuvadza kana unyengeri zviito nemapato akanyatsoratidzwa. Muzviitiko zvakawanda, kutendeka zvisungo zvinoshandiswa kuchengetedza makambani kubva kune zviito zvevashandi vasina kutendeka.

Pasinei nekuti vanonzi mabhondi, kutendeka zvisungo imhando yeinishuwarenzi yebhizinesi/vashandirwi, vachivadzivirira pakurasikirwa nekurasikirwa kunobva kuvashandi (kana vatengi) vanokonzeresa kukuvadza bhizinesi nemaune. Vanovhara chero zviito zvinobatsira mushandi nemari kana kukuvadza nemaune bhizinesi nemari. Kuvimbika zvisungo hazvigone kutengeswa uye hazviwedzere mhindu sezvisungo zvakajairika.

 

Summary

Kuvimbika zvisungo zvinodzivirira avo vanochengeta mitemo kubva kune zvakaipa uye zvinokuvadza zviito zvinoitwa nevashandi kana vatengi.

Kune marudzi maviri ezvisungo zvekuvimbika: zvisungo zvekutanga (izvo zvinodzivirira makambani kubva kune zvinokuvadza nevashandi kana vatengi) uye yechitatu-bato zvisungo (izvo zvinodzivirira makambani kubva kune zvinokuvadza zviito zvevashandi vane kondirakiti).

Iwo mabhondi anobatsira nekuti chikamu chekambani manejimendi manejimendi, kuvharidzira kambani kupesana nezviito zvingakanganisa zvinhu zvavo.

Zvisungo zvinovhara zvakawanda zvezvinhu zvakafanana izvo zvakafukidzwa nehwaro hweinishuwarenzi yehutsotsi hwakadai sekupaza uye kuba, asi zvakare zvinovhara zvinhu izvo izvi zvirongwa zvingasave. Izvi zvinosanganisira zvinhu zvakadai sekubiridzira, manyepo, kubiridzira, uye dzimwe mhosva dzakawanda dze "white collar" dzinogona kuitwa nevashandi mumasangano emari nemakambani makuru.

Chikwereti chechikwereti cheimba - chinozivikanwawo sechikwereti chekuenzanisa, chikwereti chekubhadhara chikwereti cheimba, kana chechipiri chekubhadhara chikwereti - rudzi rwechikwereti chevatengi. Zvikwereti zveHome equity zvinobvumira varidzi vemba kukwereta vachipesana neiyo equity mumba mavo. Mari yechikwereti inoenderana nemusiyano uripo pakati pemutengo wemusika wepamusha uye mari yemuridzi wemba inobhadharwa. Zvikwereti zvemudzimba zvinotaridza kunge zvakamisikidzwa, nepo zvakajairwa, mitsara yekuenzana kwemba yechikwereti (HELOCs), kazhinji ine mareti akasiyana.

ZVINOKOSHA ZVOKUITA:

Chikwereti cheimba, chinonziwo "home equity installment loan" kana "second mortgage," rudzi rwechikwereti chevatengi.

Zvikwereti zvemudzimba zvinobvumira varidzi vedzimba kukwereta vachipesana nechiyero chiri mudzimba dzavo.

Mari yechikwereti cheHome equity inoenderana nemusiyano uripo pakati pemutengo wemusika wepamusha uye chiyero chemondi chakakodzera.

Zvikwereti zvepamba zvinouya mumhando mbiri—fixed-rate loans uye home equity lines of credit (HELOCs).

Fixed-rate equity equity loans inopa chitsama chimwe chete, nepo HELOC ichipa vanokwereta mitsara inotenderera yechikwereti.

Mukunonoka kwekubhadhara mari, unogona kutora mari pane imwe nzvimbo pakarepo kuitira kuvhara mutengo wekutenga uye kuvhara mari yeimba yawakatenga kare nemari. . Izvi zvinokutendera kuti uve nemukana wekuve mutengi wemari uye nekupa vatengesi mukana wekuziva kuti kutengeserana kuchavhara, uku zvichikupa iwe kugona kuwana imba yemba munguva pfupi yakatevera kuitira kuti udzivise kuti mari yako yese yakasungirirwa mumba mako.

Unogona kufunga nezvekunonoka kuwana mari senzira yekuzvipa mukana wekutaurirana unouya pamwe nekubhadhara mari yemba, uchiri kuzvipa iyo nguva yakareba yekuchinja mari inopihwa nekubhadhara pamwedzi pachikwereti pane kuzviita iwe "murombo wemba."

Iko kukosha kwekuroja kwakakosha pakutenga nzvimbo yekudyara. Tingaziva sei mutengo werendi zvino? Mawebhusaiti anotevera anogona kukubatsira.

Hapana kupinda kunodiwa, mahara.

Zillow.com

http://www.realtor.com/

Iwo mawebhusaiti ari pamusoro apa anonyanya kushandiswa. Ivo vane yakakura hesera, yakanyanya saiti traffic, uye inopa masevhisi anotora muridzi wemba kubva pakushambadzira kuenda kunotora rendi.

https://www.huduser.gov/portal/datasets/fmr.html

Webhusaiti yepamutemo yeOFFICE OF POLICY DEVELOPMENT AND RESEARCH.

Iwo mawebhusaiti matatu ari pamusoro anofanirwa kukwana kuti iwe uzive inofungidzirwa rendi yemusika.

Nekudaro, izvi ndezvekutarisa kwako chete, kana mari yekurenda ichizoshandiswa kuwana mari inokodzera, mushumo wekuongorora kana chibvumirano chekurenda chinogona kuramba chichidikanwa.

Zvikwereti zvakajairwa zvinoganhurira zvinodiwa zveDTI ratio/ Reserves/ LTV/ Credit mamiriro. Kazhinji, vazhinji vevakwereta vanogona kukodzera chikwereti chenguva dzose nemari yepamusoro uye kiredhiti. Nepo kune vamwe vanokwereta, mari yavo yakaderera kana kuve nemhando dzakasiyana siyana dzemari, zvichikonzera kudzoka kwemutero kwakashata; Zvikwereti zvaFannie Mae zvinogona kusagamuchira rudzi urwu kana zvikwereti zvemba zvemba.

Mune ino kesi, unogona kuedza kutsvaga imwe mukweretesi wemortgage achipa Zvisiri-QM zvigadzirwa. AAA Lendings ikozvino inopa Bank Statement, Platinum Jumbo, Investor Cash Flow (Hapana chinodiwa ruzivo rwebasa, Hapana chinodiwa DTI), Kupera kweAsset uye Kune dzimwe nyika zvirongwa. Wese munhu anogona kuwana chigadzirwa chakakodzera nemutengo wakaderera uye mutengo wakanaka.

Heino mienzaniso mishoma yezviitiko zvekutenda munguva pfupi yapfuura:

Real estate investimendi ane akawanda zvivakwa zvinosanganisira asina-warrantable condos. ----Investor Cash Flow

Mukwereti anozvishandira ane kiredhiti chakanakisa uyo mari yake inotaurwa pamutero wavo wemutero hauvakodzere kuwana imba yeumbozha yavanokwanisa kutenga. ----Bank Statement Chete

Kudonha-kunze mamiriro apo mukwereti aingova makore maviri chete kubva pakufanovharwa. ---- Platinum Jumbo

Mukwereti akatengesa bhizimusi ravo remamiriyoni emadhora ndokubva awana imba yezviroto zvavo asi akanga asina kwaanowana mari yekunyora.----Asset Depletion