Hapana Basa Hapana Chikwereti Chemuhoro: Inochinjika Nzira yeKuva Muridzi Wepamba

Kuchengetedza remba yeKugara Kwekutanga Pasina Basa kunogona kuita sekusingagoneke mumamiriro emazuva ano ekukweretesa, asi iyohapana basaHapana Chikwereti cheIncome chinotenderedza rondedzero iyoyo. Yakagadzirirwa avo vasingavimbi nemabasa echinyakare, ichi Chikwereti-Yakavakirwa paAsset chinoda Hapana Kuongororwa Kwebasa uye Hapana Ruzivo Rwebasa Rinodiwa, zvichiita kuti muridzi wemba awanikwe kune vateereri vakawanda. Kunyangwe iwe uchizvibhadharira mari, pamudyandigere, kana kungoshaya mari yakajairika, chikwereti ichi, nePrimary/Investment/2nd Home Inokodzera sarudzo, chinopa nzira yehupenyu. Iine kiredhiti kiredhiti ye680 uye zvikwereti zvinosvika madhora mazana matatu nemazana mashanu emadhora, isarudzo yakamira.

The No Job No Income Loan inobvisa kudiwa kwekubhadhara stubs, W-2s, kana mutero wekudzoka, kutarisa panzvimbo yezvinhu zvako-funga kuchengetedza, kuisa mari, kana real estate holdings. Iyi nzira yakanakira avo vari kutsvaga Yekugara Yekutanga Pasina Basa, sezvo ichinzvenga zvipingaidzo zvine chekuita nemari izvo zvinowanzoita kuti vasiri vemazuva ano vakweretesi vatadze. Zvirinani,chipoMari iripo inogona kushandiswa kubhadhara pasi, kuwedzera kukodzera kune avo vane rutsigiro rwemhuri. Zvakaguma nei? Iyo mortgage process yakatwasuka uye inosanganisirwa.

Chinosiyanisa chikwereti ichi ndechekusiyana-siyana kwayo. Iyo Yekutanga / Yekudyara / 2nd Imba Inokodzera, zvichireva kuti unogona kuishandisa kutenga yako huru imba, yekudzokera kuzororo, kana nzvimbo yekurojesa. Kune avo vanotarisa Yekutanga Yekugara Pasina Basa, iyo Hapana Basa Hapana Muhoro Chikwereti chinhu chisingawanikwe mumusika wemortgage, uko sarudzo dzisina mari dziri kushomeka. Vanokwereta vane chikamu chechikwereti che680 kana kupfuura vanogona kukwereta kusvika kumadhora mazana matatu nemazana mashanu emadhora, vachiona kuchinjika kwemhando dzakasiyana dzezvivakwa uye mapoinzi emitengo.

Kunyangwe Kukodzera Kwenyika Yekune dzimwe nyika kunoita kuti chikwereti ichi chive chakasiyana, chinotambira vatengi vekunze vanogona kushaya marekodhi ebasa eUS. Fungidzira uchitenga imba yako yemaroto pasina kusvetuka nepakati kuratidza mari - ingowedzera zvinhu zvako uye enda kumberi. Iyo No Employment Verification process inogadzirisa kubvumidzwa, kuchengetedza nguva uye kuderedza kushushikana.

Semuyenzaniso, munhu anenge aenda pamudyandigere ane mari yaakachengeta asi asina mari inobatika anogona kuchengetedza Yekugara Yekutanga Pasina Basa pasina simba. Nekuratidza portfolio yavo yeasset, vanokodzera kuwana No Job No Income Loan vasina kuburitsa ruzivo rwebasa. Nechipo Chiripo Sarudzo, vangatowana rubatsiro kubva kumhuri kubhadhara mari yepamberi, vese vachinakidzwa nerusununguko rweHapana Ruzivo Rwebasa Rinodiwa.

Iyo Kwete Basa Hapana Income Chikwereti inotsanangura zvakare izvo zvinogoneka mukubhadhara imba. Iyo Yekunze Yenyika Inowanikwa, Asset-Yakavakirwa Chikwereti chinotungamira chokwadi chemari yako pamusoro pechinyakare metrics, zvichiita kuti ive mhinduro yakanaka kune Yekutanga Yekugara Pasina Basa kana kupfuura.