11/10/2023

Munyika inogara ichishanduka yekubhadhara mari yembavha, pfungwa yekuti "zvikwereti zvisingadhure" yakabuda senzira ine mukurumbira kune vanokwereta.Chinyorwa ichi chinoongorora mamiriro evakweretesi vasingadhure zvikwereti, zvichijekesa izvo zvinosanganisira zvikwereti izvi, mabhenefiti azvo, uye kufunga kune vanokwereta vari kutsvaga kufamba nenzira itsva iyi.

Kunzwisisa No-Mutengo Zvikwereti

Chii chinonzi No-Cost Loans?

Zvikwereti zvisingadhure, sekureva kunoita zita, zvikwereti uko vanokwereta vanopinza mari shoma kana kusabhadharwa yepamberi panguva yekuvhara.Zvikwereti izvi zvinowanzo sanganisira vanokweretesa vanobhadhara mimwe mitengo, senge mari yekuongorora, inishuwarenzi yezita, uye muripo wekubva, mukuchinjana nechikwereti chakakwira zvishoma pachikwereti.

Kukosha Kwezvikwereti Zvisina Mutengo

Zvikwereti zvisingadhuri zvinopa vanokwereta sarudzo inoyevedza yekudzikisa mari yavo yekubva-ye-homwe pavanenge vachiwana remba.Kutengeserana kunosanganisira mubereko wakakwirira zvishoma pamusoro pehupenyu hwechikwereti, zvichiita kuti zvive zvakakosha kune vanokwereta kuyera mari inochengetedzwa pamberi pezvinoreva kwenguva refu yemhindu.

Hapana-Mutengo Wechikwereti Chikweretesi

Chii Chinosiyanisa Vatengesi Vezvitoro?

Vanokweretesa vezvitoro vanozvisiyanisa nekushanda nemamortgage broker pane zvakanangana nevakwereta.Vanopa huwandu hwezvigadzirwa zvechikwereti, zvinosanganisira zvikwereti zvisingadhuri, zvichibvumira vatengesi kuti vabatanidze vanokwereta nesarudzo dzakagadzirirwa mari.

Mabhenefiti eZvikwereti Zvisingadhure Zvikwereti Zvikwereti

1. Yakaderedzwa Kumberi Mari: Mubairo wekutanga kudzikiswa kwemitengo yepamberi kune vanokwereta.Vanokweretesa vezvitoro vanowanzobhadhara mari dzakasiyana siyana, zvichiita kuti vanokwereta vachengetedze mari yavo kana kugovera mari kumwewo.
2. Broker Expertise: Kushanda kuburikidza nemortgage broker yakabatana nevakweretesi veholesale inopa vanokwereta mukana wekupa zano rehunyanzvi.Mabhuroka anogona kutungamira vanokwereta mukufambisa zvakaomesesa zvemhando dzakasiyana dzechikwereti, kuve nechokwadi chesarudzo ine ruzivo.
3. Zvigadzirwa Zvakasiyana-siyana zveChikwereti: Vakweretesi veholesero vanowanzove nemhando dzakasiyana dzezvigadzirwa zvechikwereti, zvichibvumira vanokwereta kuti vatarise mhinduro dzakasiyana dzemari kupfuura zvikwereti zvisingadhuri.Uku kuchinjika kunogona kubatsira kune vanhu vane zvinangwa zvemari.
4. Makwikwi eChibereko Mareti: Nepo mareti emubereko pazvikwereti zvisina muripo angave akakwira zvishoma, vanokweretesa veholesale vanowanzo ramba vachikwikwidza.Mabhuroka anogona kutaurirana mazwi kuti ave nechokwadi chekuti vanokwereta vanochengetedza mitengo yakanaka mukati memamiriro echikwereti chisina muripo.

Mafungiro kune Vanokwereta

1. Yenguva Yakareba vs. Zvinangwa Zvenguva Pfupi

Vanokwereta vanofanira kuongorora zvibodzwa zvavo zvemari zvenguva refu maringe nemitengo yenguva pfupi.Zvikwereti zvisingadhuri zvinogona kupa ruyamuro nekukurumidza, asi kunzwisisa mabatiro emubereko ungangokwira pamusoro penguva yechikwereti kwakakosha.

2. Broker Kudyidzana

Kusarudza mortgage broker akabatana nevane mukurumbira weholesale vakweretesi kwakakosha.Mabroker anoita basa rakakosha mukubatanidza vanokwereta nesarudzo dzakakodzera dzechikwereti uye kuve nechokwadi chekutengeserana kusina musono.

3. Interest Rate Dynamics

Vanokwereta vanofanira kubata masimba emitengo yemubereko mumamiriro ezvinhu ezvikwereti zvisingadhuri.Nepo mari yakachengetwa iri pachena, kunzwisisa mutengo wechikwereti nekufamba kwenguva kwakakosha pakuita sarudzo ine ruzivo.

4. Chikwereti Chigadzirwa Kusiyana

Ongorora huwandu hwezvigadzirwa zvechikwereti zvinopihwa nevakweretesi veholesale.Zvikwereti zvisingadhuri zvinogona kuenderana nezvinodiwa ipapo, asi kuwana nzira dzakasiyana dzezvikwereti zvinobvumira vanokwereta kuti vagadzirise mari yavo kune inochinja mamiriro ezvinhu.

Mhedziso

Vakweretesi vasingadhuri vanokweretesa vanopa vanokwereta mukana unomanikidza wekudzikisa mutengo wepamberi paunopinda munzvimbo yevaridzi vemba.Sezvo vanokwereta vachiongorora nzira iyi, zvakakosha kuenzanisa pakati pekuchengetedza nekukasira kwenguva refu yemitengo yemubereko.Kudyidzana nevanoziva vatengesi vemortgage vane hukama nevakweretesi vane mbiri inoita kuti vanokwereta vagone kufamba nenzira iyi yeunyowani nechivimbo uye kuita sarudzo dzine ruzivo dzakaenderana nezvinangwa zvavo zvemari.

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.