Vadivelu Comedy News
Zvirongwa Zvechikwereti Zvinowanikwa Kune Vanozvishandira Vanokwereta
Kufamba-famba munzvimbo yemortgage kunogona kunyanya kunetsa kune wega-employedvakwereta. Kusiyana nevashandi vechinyakare, vanhu vanozvishandira vanowanzova nemari inochinja uye yakasarudzika mamiriro emari ayo anogona kunetsa nzira yekubvumidza chikwereti. Sezvineiwo, kune akati wandei zvirongwa zvechikwereti zvakagadzirirwa kuzadzisa zvinodikanwa zvevanozvishandira vanokwereta. Muchikamu chino, tichaongorora zvirongwa izvi zvechikwereti uye kuti vangakubatsira sei iwe kuwana imba.
Vazhinji vanozvishandira vanokwereta vanogona kukodzera kuwana zvikwereti zvakajairwa, izvo zvisingatsigirwe nehurumende. Zvisinei, vanokweretesa vanowanzoda mamwe magwaro ekuongorora kugadzikana kwemari yemukwereti. Vanhu vanozvishandira vangangoda kupa makore maviri emutero wemunhu uye webhizinesi, purofiti uye kurasikirwa, uye masitatimendi ekubhangi kuratidza kuenderana kwemari. Vanokweretesa vanotarisa chibodzwa chakasimba chechikwereti uye chikwereti chine hutano-kune-mari.
2. FHA Zvikwereti
Federal Housing Administration (FHA) zvikwereti ndeimwe nzira inoshanda kune vanozvishandira vanokwereta. Zvikwereti izvi zvakagadzirirwa kubatsira vanhu vane mari yakaderera kusvika pakati-kati kuti vawane hunyanzvi hwepamba. Zvikwereti zveFHA zvine zvakawanda zvinochinjika zvinodikanwa uye zvinobvumidza zvibodzwa zvakaderera zvichienzaniswa nezvikwereti zvakajairika. Vanokwereta vanozvishandira vanofanirwa kupa makore maviri emitero inodzoserwa uye humbowo hwekugadzikana kwemari, asi iyo FHA inowanzogara yakawanda maererano nemari yekuongorora.
3. VA Zvikwereti
Kune veterans vanokodzera uye vanoshandira-basa basa nhengo, VA zvikwereti isarudzo yakanakisa inopa akawanda mabhenefiti. Zvikwereti zveVA hazvidi kubhadharwa uye hauna yakavanzika mortgage inishuwarenzi (PMI) zvinodiwa. Vanokwereta vanozvishandira vanogona kukodzera kuzvikwereti zveVA nekupa magwaro akafanana neanodikanwa kune zvakajairwa zvikwereti. Izvi zvinosanganisira mitero inodzorwa uye humbowo hwemari yemakore maviri apfuura.
4. Zvikwereti zveDSCR
Debt Service Coverage Ratio (DSCR) zvikwereti zvakagadzirirwa zvakananga kune varidzi vezvivakwa uye vanozvishandira vanokwereta. Ichi chirongwa chechikwereti chinobvumira vanokwereta kuti vakwanise zvichibva pamari inowaniswa nepfuma kwete mari yavanowana. Izvi zvinonyanya kubatsira kune vanhu vanozvishandira vanogona kunge vaine mari inochinja asi vane zvivakwa zvekudyara izvo zvinoburitsa kuyerera kwemari kunoenderana.
5. Bank Statement Zvikwereti
Zvikwereti zvebhengi zvikwereti zvakanakira kune vanozvishandira vanogona kunge vasina magwaro ekare emari. Panzvimbo pemutero, vanokweretesa vanoongorora mari yemukwereti zvichienderana nezvinyorwa zvavo zvebhangi. Kazhinji, vanokweretesa vanozoongorora mwedzi gumi nemiviri kusvika kumakumi maviri nemana ezvinyorwa zvebhangi kuti vaone avhareji yedhipoziti pamwedzi, ichipa mufananidzo wakajeka wemari yemukwereti.
Mhedziso
Vanokwereta vanozvishandira vane zvirongwa zvakasiyana siyana zvechikwereti zviripo kuti zvivabatsire kufamba nenzira yemortgage zvinobudirira. Kubva pazvikwereti zvakajairika kuenda kuFHA neVA zvikwereti, pamwe neDSCR uye zvikwereti zvebhengi, pane sarudzo dzakanangana kuti dzikwane mamiriro emari akasiyana evanhu vanozvishandira. Nekunzwisisa izvi zvirongwa zvechikwereti uye kuunganidza zvinyorwa zvinodikanwa, vanozvishandira vakwereta vanogona kuvandudza mikana yavo yekuwana remba uye kuzadzisa zviroto zvavo zvevaridzi vemba.
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.