10/18/2023

Munzvimbo ine simba yekukweretesa kweholese, kunzwisisa chiyero chekutenga sarudzo kwakakosha kune vese vanokweretesa nevakwereta.Matengo ekutenga mareti anopa nzira ine hunyanzvi pakubhadhara mbavha, zvichibvumira vanokwereta kuwana mibairo yakanaka.Muchinyorwa chino, isu tichatarisa mukuomesesa kwekutengwa kwemitengo mukukweretesa kweholese, tichiongorora kukosha kwavo, sarudzo dziripo, uye kukanganisa kwechiitiko chese chembaji.

Kufumura Pfungwa yeReti Buydowns

Chii chinonzi Rate Buydown?

A rate buydown inosanganisira kubhadhara muripo wepamberi kuti udzikise mubereko pachikwereti chenguva.Kubhadhara kwepamberi uku, kunowanzozivikanwa se "kutenga pasi mutengo," kunoderedza mukwereti wemwedzi nemwedzi mubhadharo wechikwereti mumakore ekutanga echikwereti.Pfungwa iyi inotenderera nekupa vanokwereta kuchinjika uye kugona mumatanho ekutanga evaridzi vemba.

Iyo Mechanics kuseri kweRate Buydowns

Rate buydowns inoshanda pamusimboti uri nyore.Vanokwereta, kana kunyange vakweretesi, vanopa mari mberi kune mukweretesi mukuru.Mukudzoka, mukweretesi weholesale anobvuma kudzikisa mubereko wenguva yakatarwa.Iyi mari yekudyara yepamberi inogona kukonzera kuchengetedza kwakawanda kune vanokwereta, zvichiita kuti humba huwedzere kuwanikwa uye hugoneke, kunyanya mumakore ekutanga.

Sarudzo Inowanikwa muRate Buydowns

Kunzwisisa akasiyana siyana ekutenga mareti sarudzo kwakakosha kune vanokwereta vari kutsvaga kukwidziridza yavo yemba yemba.Heano maitiro akajairwa ekutenga mutengo:

1. Kutenga Kwenguva pfupi (Pay Points)

Vanokwereta vanobhadhara mari mberi kuti vaderedze mubereko wenguva yakatarwa, kazhinji makore ekutanga echikwereti.Izvi zvinogona kukonzera kuderedzwa kwekubhadhara pamwedzi panguva yekutenga.

2. Permanent Buydowns

Kutenga kwechigarire kunosanganisira mubhadharo wakakura wepamberi, zvichiita kuti mubereko wakadzikira wenguva yese yechikwereti.Iyi nzira haina kunyanya kuwanda asi inopa mari yenguva refu yekuchengeta.

3. Mukweretesi-Akabhadhara Buydowns

Mune zvimwe zviitiko, vanokweretesa vanogona kubatsira kune mutengo wekutenga, pamwe zvishoma kana zvachose.Izvi zvinogona kuva hurongwa hwekukurukurirana pakati pemukwereti nemukwereti.

Kukosha muKukweretesa Kwemari

1. Makwikwi Akanakira kune Vanokweretesa

Vakweretesi vehoholesale vanopa inoyevedza chiyero chekutenga sarudzo vanowana mukana wemakwikwi.Mortgage broker inogona kukwezva vanokwereta nekupa sarudzo dzemari ine yakaderera yekutanga kubhadhara, zvichiita kuti humba huwedzere kufadza.

2. Kukwanisa kune Vanokwereta

Kutenga kwemitengo kunowedzera kukwanisa kune vanokwereta, kunyanya mumakore ekutanga ekuva muridzi wemba.Kubhadhara kwekutanga kwakaderera kunogona kurerutsa mutoro wezvemari uye kupa imwe nzvimbo yekufema kune varidzi vemba vatsva.

3. Kuchinja-chinja muKubhadhara

Kutenga kwemitengo kunopa kuchinjika mukubhadhara mari, zvichibvumira vanokwereta kuti vagadzirise mazwi avo embavha zvichienderana nezvinangwa zvavo zvemari uye zvavanofarira.Uku kuchinjika kunobatsira kune yakasarudzika uye inogutsa ruzivo rwekukweretesa.

Kufamba Kwemari Kutenga: Maonero eMukwereti

Kune vanokwereta vachifunga nezve rate buydown, heano matanho akakosha:

1. Ongorora Zvinangwa Zvemari

Ongorora zvibodzwa zvako zvemari uye ongorora kana mutengo wekutenga uchienderana nezvinangwa zvako zvevaridzi vemba.Tarisa bhajeti yako uye zvirongwa zvenguva refu zvemari.

2. Nzwisisa Mitemo

Nyatsonzwisisa mazwi emutengo wekutenga, kusanganisira nguva yekuderedzwa kwemari yemubereko, mutengo wepamberi, uye chero zvingangogadziriswa mune ramangwana.

3. Bvunza neMortgage Professionals

Tsvaka gwara kubva kunyanzvi dzemortgage, kusanganisira mabhuroka uye vanokweretesa.Ivo vanogona kupa manzwisisiro mune iripo chiyero chekutenga sarudzo uye kukubatsira iwe kuita sarudzo ine ruzivo.

4. Enzanisa Zvipo

Tora akawanda mareti ekutenga inopihwa uye uzvienzanise kuti uone iwo anonyanya kubatsira mazwi.Funga kwete chete mutengo wepamberi asiwo kuchengetedza kwenguva refu uye kukanganisa pane yako yese zvemari zano.

Mhedziso

Sarudzo dzekutenga muyero mukukweretesa kwehorese dzinounza chiyero chakakosha kumari yembangi, inobatsira vese vanokweretesa nevanokwereta.Kunzwisisa ma mechanics, kuongorora sarudzo dziripo, uye kufambisa maitiro nenzira yeanokwereta-centric kunopa ruzivo rwakanyanya uye runogutsa ruzivo rwekukweretesa.Sezvo indasitiri yezvimba ichiramba ichishanduka, kutengwa kwemitengo kunoramba kuri chishandiso chekusimudzira kugona uye nekupa mhinduro dzakagadzirirwa munzvimbo ine simba yekukweretesa kweholese.

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.