11/02/2023

Paunenge uri mumusika weimba nyowani kana uchifunga kudzorera chikwereti chako chemazuva ano, kunzwisisa maitiro ekuongorora imba uye maitiro ayo pamutengo weimba yako yakakosha.Mugwaro rino rakazara, isu tichaongorora kuomesesa kwekuyerwa kwemba, mabatiro aanoita chiyero chemba yemba, uye kuti ndedzipi mari dzinoenderana nemaitiro acho.

The Home Appraisal Process

Ongororo yemba ndeyekuongorora kusingarerekeri kweukoshi hwenzvimbo kunoitiswa neane rezinesi uye ane certified appraiser.Idanho rakakosha mukukweretesa kwembande sezvo richiona kuti kukosha kweimba kunoenderana nemari yechikwereti yauri kutsvaga.

Nzira yekuongorora inowanzobatanidza matanho anotevera:

1. Kuongorora

Muongorori anoshanyira nzvimbo yacho kuti aone mamiriro ayo, saizi, uye maficha.Vanotarisawo nzvimbo yeimba uye chero zvinhu zvekunze zvingakanganisa kukosha kwayo.

2. Market Analysis

Muongorori anoongorora kutengeswa kwemazuva ano kwezvivakwa zvakafanana munzvimbo iyi.Ongororo iyi inobatsira kuona kukosha kwenzvimbo zvichienderana nemaitiro emusika.

3. Property Valuation

Uchishandisa iyo data yakaunganidzwa panguva yekuongorora uye kuongororwa kwemusika, muongorori anoverengera kukosha kwenzvimbo.

4. Report Generation

Muongorori anounganidza mushumo wakakwana unosanganisira kukosha kwechivakwa, nzira yakashandiswa, uye chero zvinhu zvakakonzera kukosheswa.

Impact paMortgage Rate

Kuongororwa kwemba kunobata basa rakakosha pakuona chiyero chemari yako.Heino maitiro:

1. Chikwereti-ku-Kukosha Ratio (LTV)

Chiyero cheLTV chinhu chakakosha mukukweretesa kwembangi.Inoverengerwa nekugovanisa mari yechikwereti nekuyerwa kukosha kwenzvimbo.A yakaderera LTV reshiyo yakanaka kune vanokwereta, sezvo zvichireva yakaderera njodzi kune mukweretesi.Njodzi yakaderera inogona kutungamirira kune imwe yemakwikwi ekubhadhara mari.

2. Mari dzeMbereko

Vanokweretesa vanopa mareji emari akasiyana zvichienderana nenjodzi.Kana kuongorora kwakaratidza kuti nzvimbo yacho yakakosha kudarika mari yechikwereti, inoderedza njodzi yemukweretesi.Nekuda kweizvozvo, unogona kukodzera kuwana mubereko wakaderera, zvichikwanisa kukuchengetedza zviuru zvemadhora muhupenyu hwechikwereti.

3. Kubvumirwa Kwechikwereti

Mune zvimwe zviitiko, kuongororwa kwemba kunogona kukanganisa mvumo yako yechikwereti.Kana kukosha kwakatariswa kukadzikira zvakanyanya pamari yechikwereti, ungangoda kuunza imwe mari patafura kuti usangane nezvinodiwa neLTV yemukweretesi.

Mari Yekuongorora Yepamba

Mari yekuongorora imba inogona kusiyana zvichienderana nezvinhu zvakaita senzvimbo, saizi yezvivakwa, uye kuoma.Paavhareji, unogona kutarisira kubhadhara pakati pemadhora mazana matatu nemazana mana nemakumi mashanu ekuongororwa kwemba-yemhuri imwe chete.Mutengo unowanzo kubhadharwa nemukwereti uye unofanirwa panguva yekuongorora.

Ongororo Matambudziko

Nepo kuongororwa kwepamba kunowanzova kwakananga, dzimwe nguva kunogona kupa matambudziko.Zvinhu zvakaita sechivakwa chakasarudzika, kutengesa kusingaenzaniswi, kana musika unoshanduka zvinogona kuomesa maitiro ekuongorora.Mumamiriro ezvinhu akadaro, zvakakosha kushanda pamwe chete nemukweretesi wako kuti uwane mhinduro dzinoita kuti pave nekuongorora kwakanaka.

Mhedziso

Ongororo yemba chikamu chakakosha chemaitiro emba yemba, zvichikanganisa chiyero chako chemba uye, nekudaro, mutengo wemuridzi wemba.Kunzwisisa maitiro ekuongorora, pesvedzero yaro pamatemu ako ekukweretesa, uye mutengo wakabatana wakakosha pakuita sarudzo ine ruzivo.Kunyangwe iwe uri wekutanga kutenga imba kana kuti muridzi wemba ari kutsvaga kugadzirisa zvakare mari, kuziva ins uye kunze kwekuyerereka kwemba kuchakubatsira iwe kufamba nenzira yemortgage nechivimbo.

Chirevo: Ichi chinyorwa chakagadziridzwa neAAA LENDIS;mamwe emifananidzo akatorwa kubva kuInternet, nzvimbo yesaiti haina kumiririrwa uye haigone kudhindwa zvakare pasina mvumo.Pane njodzi mumusika uye mari inofanira kungwarira.Ichi chinyorwa hachiumbe zano rekudyara wega, uye haritarise zvinangwa zvekudyara, mamiriro emari kana zvinodiwa zvevashandisi vega.Vashandisi vanofanirwa kufunga kuti chero maonero, maonero kana mhedziso dzirimo dzirimo dzakaenderana nemamiriro avo ezvinhu.Isai mari zvinoenderana nenjodzi yenyu.