Mortgage rates yanga ichikwira kubva Federal Reserve yakatanga kukwidza chiyero mukutanga kwegore, ichisvetukira kumatanho epamusoro munenge makore matatu kunyange kusati kwaziviswa kwekukwira kwechiyero.
Nemusi weChina, Freddie Mac akaburitsa yazvino makore makumi matatu echikwereti chechikwereti pa4.67%, yakakwira nyowani kubva Zvita 2018.
Pakutanga kwegore rino, nhamba iyi yakaramba iri pa3.22%.Izvi zvinoreva kuti mari yembavha yakakwira 145 mapoinzi mukota yese uye yasvika padyo ne5% kekutanga mumakore mana apfuura.
Kusvika pari zvino, Federal Reserve yakanyatso kukwidza mubereko kamwe chete, iyo yakaenzana nekatanhatu yemhindu yekukwira inoverengerwa pamakumi maviri neshanu mapoinzi nguva imwe chete.
Kukanganiswa nekukwira kwemitengo kwakakwira, Fed inoronga kukwidza mitengo pamusangano wega wega mukati megore rino, nepo nzira ine hutsinye yekukwira kwemitengo uye kukwira kwemitengo yechikwereti kunenge kune vezera.
Tatarisana nekukwira kwemitengo yembangi ingangoramba ichienderera, vazhinji venyu vari kukumbira chibatiso vanogona kutanga kumirira kana kutarisira kunyura kusvikira mari dzembadzo dzasvika padanho repasi.
Sezvineiwo, sezvo yakazara mortgage zvikumbiro zviri pasi 60% zvichienzaniswa negore rapfuura, maererano neMortgage Bankers Association.
Sezvinongoita mabhanga makuru ari kutevera maitiro ekukwira kwemitengo, huwandu hwezvigadzirwa zvezvikwereti kubva kuAAA Lendings zviri kuita kuti vanhu vamire kutarisa uye kutora danho.
Zvikumbiro zvezvikwereti zvinokwira sezvo mitengo yemubereko ichiwedzera
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Kubva nhasi, mubereko weAAA Lendings unoramba uri padanho rakaderera re4.250%.Zvinoenderana nenhamba dzeAAA Lendings, nhamba yezvikumbiro zveR-100 yakatevedzana yezvigadzirwa yakakwira zvakanyanya mukati megore rino.
Unogona kushamisika kuti "uyo anokodzera kunyoreraR100 chigadzirwa?"
Mushandi
Kana iwer vanokweretamugari wemuUS, akabata green kadhi kana kadhi rebasa, kanamutorwa wenyika, unogona kusarudza WVOE chigadzirwa.Hezvino zvimwe zvakanakira:
n Hapana paystub/W-2/tax return inodiwa.
n Mari yezvipo inotenderwa.
n Nyika yekunze inobvumidzwa.
n 12 mwedzi yekuchengetedza yakaverengerwa paPI (Kwete PITIA imwe mukweretesi inodikanwa).
n Mari yechikwereti inosvika $2.5M.
n Kubhadhara kwakaderera se30%.
n Min FICO 680.
Self-employed
Kana iwer vanokweretamugari wemuUS, akabata green kadhi kana ID kadhi, kana mutorwanational, unogona kusarudza Self Prepared P & L chigadzirwa:
n Hapana siginecha yeCPA inodiwa.
n Nyika yekunze inobvumidzwa.
n Mari yechikwereti inosvika $10M.
n 12 mwedzi yekuchengetedza yakaverengerwa paPI (Kwete PITIA imwe mukweretesi inodikanwa).
n Hapana mitero yemitero inodiwa uye mari yechipo inobvumirwa.
n Kubhadhara kwakaderera se30%.
n Min FICO 680.
Zvinoita sekuti maitiro ekukwira kwemitengo yemitengo haizomira kwenguva iripo uye mitengo yakaderera yemubereko yeR100 yakatevedzana inogona kunge iri "Nguva-limited”.Usarasikirwa nemukana wakanakisa wekupinda muchikepe neAAA Lendings!
Nguva yekutumira: Kubvumbi-02-2022