Ndeipi tsanangudzo yeArifarira Bato Mupiro?
Interested Party Contribution (IPC) zvinoreva muripo unoitwa neMunhu Anofarira, kana musanganiswa wemapato, kumari dzekutanga dzeMukwereti, dzimwe mari dzekuvhara uye mapoinzi ekuderedzwa.Mipiro yebato inofarira mutengo unowanzo ibasa remutengi wezvivakwa uyo anobhadharwa zvakananga kana zvisina kunanga nemumwe munhu ane chido chemari, kana anogona kukanganisa zvirevo uye kutengeswa kana kuendesa, icho chivakwa.
Ndiani anonzi anofarira bato?
Mutengesi wemidziyo;Muvaki/mugadziri;The real estate agent kana broker;Affiliate anogona kubatsirwa nekutengeswa kwenzvimbo nemutengo wepamusoro wekutenga.
Mukweretesi kana mushandirwi wemutengi haaonekwe seanofarira bato kune kutengeserana kunze kwekunge vari kuita semutengesi wezvivakwa kana mumwe munhu anofarira.
Ndeipi mipimo yakawanda yevanofarira yezvipo?
IPCs inodarika iyi miganhu inoonekwa sekutengesa chibvumirano.Mutengo wekutengesa weimba unofanirwa kugadziridzwa zvichidzika kuti uratidze huwandu hwemupiro hunodarika huwandu, uye iyo yakanyanya LTV/CLTV ratios inofanirwa kuverengerwa pachishandiswa mutengo wakadzikiswa wekutengesa kana kukosha kwakayerwa.
| Occupancy Type | LTV/CLTV mwero | Maximum IPC |
| Principal pekugara kana yechipiri imba | Kupfuura 90% | 3% |
| 75.01% - 90% | 6% | |
| 75% kana zvishoma | 9% | |
| Investment property | Yese CLTV zviyero | 2% |
Semuyenzaniso
A $250,000 Kutenga ne $150,000 Chikwereti chingave Chikwereti kune Value Ratio (LTV) ye60%.
Pa60% iyo yakanyanya IPC ingave 9% yemutengo wekutenga, $22,500, kana mari yekuvhara, chero ishoma.
Kana iyo IPC, ingave kubva kumutengesi kana Realtor, yaizove $25,000 chikwereti chaizopfuura IPC miganhu.Saka nekudaro, iyo yakawandisa $2,500 ingave yekutengesa chibvumirano.Mutengo wekutenga waizoonekwa se $247,500 ($250,000-$2,500) uye mhedzisiro LTV yaizova 60.61%.Shanduko iyi muLTV inogona kukanganisa mazwi echikwereti mune dzimwe nguva, asi haifanire kuita kuti utenge inishuwarenzi yemondi.
Nguva yekutumira: Jan-21-2022