10/25/2023

Uri mumusika wemukweretesi wemondgage asi zviwane uri mune yakasarudzika mamiriro emari?Iwe unogona kunge wakasangana nezwi rekuti "yakaoma mari yechikwereti mortgage lender."Mugwaro rino rakazara, isu tichaongorora ins uye kunze kwemari yakaoma zvikwereti uye vakweretesi vemba kuti vakubatsire kuona kana iyi sarudzo inokodzera zvaunoda.

Kunzwisisa Mortgage Lenders
Usati wapinda mukuomesesa kwezvikwereti zvemari yakaoma, zvakakosha kuti ubate pfungwa yevakweretesi vemortgage.Mukweretesi wemondgage isangano, rakaita sebhangi, mubatanidzwa wezvikwereti, kana sangano rakazvimirira, rinopa mari yekutenga real estate nekupa chikwereti kune vanotenga dzimba.Mukuchinjana, vanokwereta vanozvipira kubhadhara chikwereti pane imwe nguva yakatarwa, kusanganisira mubereko.

The Traditional Mortgage
Rudzi rwakajairika rwechikwereti chikwereti chekare, uko vanokwereta vanowanzoda kusangana nechikwereti chakaomarara uye zvinodiwa mari.Traditional mortgage vakweretesi vanoongorora kukweretwa, nhoroondo yebasa, uye kugadzikana kwemari kuona kukodzera.Zvikwereti izvi zvinowanzopa mazwi akanaka, mibairo yakaderera, uye nguva refu yekubhadhara.

Pinda Zvakaoma Mari Chikwereti Mortgage Lenders
Mari yakaoma yechikwereti chemondgage vanokweretesa, kune rumwe rutivi, rudzi rwakasiyana mukati meindasitiri yekukwereta.Ivo vanotarisira kune vanokwereta vangave vasina kusangana neyakajairwa kukwereta maitiro.Zvikwereti zvemari yakaoma zvinowanzotsvakwa nevanoisa zvivakwa, vanhu vane zvikwereti zvisina kunaka, kana avo vanoda mhinduro dzemari dzinokurumidza uye dzinochinjika.

Iwo Nheyo dzeMari Yakaoma Zvikwereti
Zvikwereti zvemari yakaoma ndezvenguva pfupi, zvikwereti-zvakavakirwa-asset zvakachengetwa nereal estate.Ivo vanoonekwa senzira yekupedzisira kune vanokwereta vakapedza nzira dzekukweretesa dzechinyakare nekuda kwechikwereti chisina kukwana, mari shoma, kana kudiwa kwekuvhara nekukurumidza.Zvikwereti izvi zvinowanzo kupihwa nevanhu vakazvimiririra kana masangano madiki anokweretesa.

Zvinhu Zvikuru ZveMari Yakaoma Zvikwereti
Collateral-Yakavakirwa: Zvikwereti zvemari yakaoma zvinonyanya kuenderana nekukosha kwenzvimbo iri kutengwa kana kushandiswa sechibatiso.Vanokweretesa havana hanya nenhoroondo yechikwereti chemukwereti.

Kurumidza Mvumo: Zvikwereti zvechivanhu zvemortgage zvinogona kutora mavhiki kana kunyange mwedzi kugadzirisa.Kusiyana neizvi, zvikwereti zvemari yakaoma zvinogona kubvumidzwa uye kupihwa mari mukati memazuva mashoma, zvichiita kuti ive sarudzo yakanaka yenguva-isinganzwisisike real estate transaction.

Nguva pfupi: Zvikwereti zvemari yakaoma zvinowanzova nematemu mapfupi ekubhadhara, anowanzo kubva pamwedzi mitanhatu kusvika kumakore mashoma.Vanokwereta vanotarisirwa kudzorera chikwereti nemari yakawanda, kutengesa nzvimbo yacho, kana kugadziridza nguva yechikwereti isati yapera.

Mbereko Yakakwirira: Kutsiva njodzi yakawedzera, vakweretesi vemari yakaoma vanochaja mibairo yepamusoro kana ichienzaniswa nevakweretesi vechinyakare.Mareti anogona kusiyana zvakanyanya, asi hazvishamisi kuona mareti maviri emubereko.

Kuchinjika: Vakweretesi vemari yakaoma vanochinjika kana zvasvika kumatemu echikwereti uye zvikwaniriso, zvichiita kuti ive yakakodzera kune vanokwereta vangangotadza kuzadzisa zvakajairwa kukwereta zvinodiwa.

Ko Mari Yakaoma Chikwereti Mortgage Mukweretesi Inokodzera Iwe?
Kunyangwe mukweretesi wemari yakaoma yechikwereti isarudzo yakakukodzera zvinoenderana nemamiriro ako emari nezvinangwa.Heano mamwe mamiriro ekuti chikwereti chemari yakaoma chingave sarudzo yakakodzera:

1. Yakashata Nhoroondo Yechikwereti
Kana iwe uine yakaderera kiredhiti mamakisi kana nhoroondo yekunetsekana kwemari, vakweretesi vechinyakare vanogona kuramba chikumbiro chako chemba.Mumamiriro ezvinhu akadaro, mukweretesi wemari yakaoma angave achida kuregeredza chikwereti chako uye kutarisa kukosha kweimba.

2. Real Estate Investment
Vanoisa zvivakwa vanowanzotendeukira kuzvikwereti zvemari yakaoma kuti vatore mikana nekukurumidza.Kana dhiri rinobhadhara rikauya nenzira yako, chikwereti chemari yakaoma chinogona kukupa mari inodiwa kuchengetedza chivakwa mumwe munhu asati aita.

3. Short-Term Financing
Kana iwe uchingoda mari yenguva pfupi, senge pakushandura chivakwa, chikwereti chemari yakaoma nemvumo yekukurumidza uye chimiro chenguva pfupi chinogona kunge chakakodzera kune zvaunoda.

4. Unique Property kana Situation
Dzimwe nguva, vanokwereta vanoda mari yezvivakwa kana mamiriro ayo echinyakare vanokweretesa vanoona njodzi yakanyanya kana isingaite.Vanokweretesa mari yakaoma vanoda kushanda nematare akasiyana akadaro.

5. Kushaya Documentation
Kana usingakwanise kupa magwaro akakura anowanzo kudiwa nevakweretesi vechinyakare, chikwereti chemari yakaoma chinogona kunge chiri mhinduro, sezvo vakweretesi ava vanowanzofarira nzvimbo yacho pachayo.

Kusarudza mukweretesi wemortgage isarudzo yakakosha ine zvinosvika kure zvemari.Kunyangwe iyo yakaoma mari yekukwereta mortgage mukweretesi inokodzera iwe zvinoenderana nemamiriro ako uye zvinangwa.Usati waita sarudzo, nyatsoongorora chikwereti chako, mamiriro ekutengeserana kwako kweimba, uye kukwanisa kwako kubhadhara chikwereti.Kubvunzana nemupi wezano wezvemari kana nyanzvi yemortgage zvinogara zvichikurudzirwa kuti uve nechokwadi chekuti unoita sarudzo ine ruzivo.Mune zvimwe zviitiko, mukweretesi wemari yakaoma yechikwereti inogona kunge iri nzira yehupenyu yaunoda kuti uwane zvinangwa zvako zveimba, asi zvakakosha kuyera mabhenefiti maererano nemitengo yakakwirira uye mazwi mapfupi.

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.