11/21/2023

Nhanganyaya

Kuve muridzi wemba chiitiko chinonakidza, kunyanya kune vatengi vekutanga.Kuwana chikwereti chemba inhanho yakakosha murwendo urwu, uye kunzwisisa maitiro kunogona kuwedzera zvakanyanya mikana yako yekubvumidzwa.Mugwaro rino rakazara, tichaongorora nzira dzinoshanda dzekuti ungapihwa mvumo sei yechikwereti chemba semutengi wekutanga, tichipa ruzivo uye matipi ekufambisa chirongwa chekunyorera imba zvinobudirira.

1. Nzwisisa Mamiriro Emari Yako

Usati wanyura muchirongwa chekunyorera chikwereti chemba, tarisa zvizere mamiriro ako emari.Ongorora chibodzwa chako chechikwereti, ongorora chikwereti chako-kune-mari inowanikwa, uye uone kuti imarii yaungakwanise kutenga semubhadharo wemwedzi wega wega.Kunzwisisa mamiriro ako emari kwakakosha pakuita sarudzo dzine ruzivo panguva yese yekutenga imba.

2. Tarisa Chikwereti Chako Chirevo

Chibodzwa chako chechikwereti chinoita basa rakakosha mukubvumidzwa kwemortgage.Tora kopi yerepoti yako yechikwereti uye uiongorore kune chero kukanganisa kana kusawirirana.Kugadzirisa zvisizvo uye kushanda kuti uvandudze chikwereti chako, kana zvichidikanwa, zvinogona kukanganisa mukana wako wechikwereti uye mazwi aungakodzera.

3. Chengetedza Mari Yekubhadhara

Nepo mamwe mapurogiramu echikwereti achipa sarudzo dzekubhadhara pasi, kuve nekubhadhara kwakadzika kunogona kusimbisa chikumbiro chako chechikwereti.Chengetedza neshungu kuti ubhadhare pasi, uchifunga kuti mubhadharo wakakura wepamberi unogona kuwedzera mikana yako yemvumo yechikwereti uye zvokonzera mamwe mazwi echikwereti anofadza.

4. Wana Pre-Approved

Usati wavhima imba, funga kuwana pre-mvumo yekutenga imba.Kubvumidzwa kwepamberi hakungoratidzi kune vatengesi kuti uri mutengi akakomba asi zvakare kunopa iwe kunzwisisa kwakajeka kwebhajeti rako.Shanda nemukweretesi wemba kuti upedze pre-approval process, iyo inowanzo sanganisira wongororo yemagwaro ako emari.

5. Tsvakurudzo dzeChikwereti chekutsvaga

Ongorora nzira dzakasiyana dzechikwereti dziripo kune vanotanga kutenga.Zvikwereti zvinotsigirwa neHurumende, senge FHA kana VA zvikwereti, zvinowanzova nezvakawanda zvekukodzera zvinodiwa.Tsvagurudza uye enzanisa zvirongwa zvechikwereti kuti uwane iyo inonyatso enderana nemamiriro ako emari uye zvinangwa zvevaridzi vemba.

6. Simbisa Kugadzikana Kwebasa

Vanokweretesa vanofarira vanokwereta vane nhoroondo dzakagadzikana dzebasa.Chengetedza basa risingachinji kana, kana zvichiita, chengetedza basa usati wanyorera chikwereti cheimba.Nhoroondo yebasa yakagadzikana inogona kuwedzera kuvimbika kwako semukwereti uye kuwedzera mukana wemvumo yechikwereti.

7. Deredza Chikwereti Chikuru

Kuderedza zvikwereti zvakasara zvinogona kuvandudza chikwereti chako-kune-inowanikwa muyero, chinhu chakakosha mukuita kwemvumo yemortgage.Bhadhara zvikero zvekadhi rechikwereti uye funga kubatanidza zvikwereti zvine mhindu yakakwira kuti upe mufananidzo wezvemari wakanaka kune vanokweretesa.

8. Shanda neVashandi vane ruzivo

Bata nevanoziva real estate nyanzvi uye mortgage Advisors.Tsvaga kurudziro, verenga wongororo, uye sarudza nyanzvi dzinogona kukutungamira kuburikidza nekuoma kwekutenga imba uye maitiro emvumo yechikwereti.Hunyanzvi hwavo hunogona kuve hwakakosha mukuvimbisa chiitiko chakatsiga.

9. Iva Akagadzirira Kuvhara Mari

Pamusoro pekubhadhara pasi, iva wakagadzirira kuvhara mari inobatanidzwa nekutenga imba.Kunzwisisa uye kuronga bhajeti yemitengo iyi pachine nguva kunodzivirira kushushikana kwemari kweminiti yekupedzisira uye kuratidza kune vanokweretesa kuti wakagadzirira mari kuva muridzi wemba.

10. Gara Uchiziva uye Bvunza Mibvunzo

Iyo mortgage application process inogona kunetsa, kunyanya kune vatengi vekutanga.Gara uchiziva nezvezvichangoburwa mafambiro, mitengo yemubereko, uye shanduko mumusika wezvivakwa.Usazeze kubvunza mibvunzo mukati mekuita kuti uve nechokwadi chekuti unonzwisisa zvizere nhanho yega yega uye mazwi echikwereti chako.

Mhedziso

Kupihwa mvumo yechikwereti chemba semutengi wekutanga kunosanganisira kuronga zvine hungwaru, kushingairira zvemari, uye maitiro ekutanga.Nekunzwisisa mamiriro ako emari, kuvandudza kiredhiti yako, kuongorora sarudzo dzechikwereti, uye kushanda nenyanzvi, unogona kuwedzera mikana yako yekuwana remba rinoenderana nezvinangwa zvako zvemuridzi wemba.Rangarira, kiyi kuve nemoyo murefu, kugara uine ruzivo, uye kutora matanho nemaune kuhope yako yekuve muridzi wemba.

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.