11/20/2023

Nhungamiro yeVaridzi Vedzimba Vanoshuva

Sezvo iwe unotanga rwendo rwevaridzi vemba, kunzwisisa sarudzo dzako dzemumba kwakakosha.Zvakajairwa mortgage zvikwereti, sarudzo yakakurumbira pakati pevakwereta vane yakanaka kiredhiti kiredhiti uye yakagadzikana mihoro, inopa nzira yekuzadzisa imba yako yekurota.PaAAA LENDINGS, tiri pano kuti tikutungamirire kuburikidza neakakosha maficha ezvikwereti zvakajairika uye kuratidza kuti zvingakwana sei munzvimbo yako yezvemari.

 

Chii chinonzi Conventional Loan?

Chikwereti chenguva dzose chikwereti cheimba chisina inshuwarisi kana kuvimbiswa nemasangano ehurumende uye chinogona kuiswa mumapoka sezvikwereti zvinoenderana kana kuti zvisingaenderane.Kuenzanisa zvikwereti kunoreva kune izvo zvinosangana nemaitiro akaiswa naFannie Mae kana Freddie Mac.Zvisinei nemabhenefiti akasarudzika anopihwa nezvimwe zvikwereti zvinotsigirwa nehurumende, zvikwereti zvenguva dzose zvinoramba zviri izvo zvakanyanya uye zvakakurumbira sarudzo kune vazhinji vanotenga dzimba.Chinhu chakakosha chezvikwereti zvakajairwa kuchinjika kwavo maererano.Kazhinji, vanouya neyakajairwa yemakore makumi matatu echikwereti, asi sarudzo dzemakore gumi nemashanu nemakumi maviri dziripowo, dzinopa zvakasiyana siyana zvinodiwa zvemari uye zvirongwa zvevakwereta.Uyezve, zvikwereti zvakajairika zvinopa sarudzo pakati peyero yakatarwa uye inogadziriswa-chiyero chemondi (ARM).Iyo yakatemwa-yero sarudzo inopa kugadzikana neinowirirana mubereko pamusoro pehupenyu hwechikwereti, zvichiita kuti ive sarudzo yakanaka kune avo vanoronga zvenguva refu varidzi vemba.Kune rimwe divi, chikwereti cheARM chinotanga nechiyero chakaderera chinogona kugadzirisa nekufamba kwenguva, izvo zvinogona kukwezva kune avo vanotarisira kutama kana kugadzirisa munguva pfupi.Izvi zvakasiyana-siyana zvinoita kuti zvikwereti zvakajairika ive sarudzo yevazhinji vari kutsvaga mari yekutenga imba.

Mamiriro Akakosha eZvikwereti Zvakajairika
Minimum Down Payment: Zvikwereti zvakajairika zvinowanzoda kubhadharwa kwe3% kusvika 5%.Kusarudza kubhadhara yakakwira pasi kunogona kutungamira kune zvirinani mubereko uye kubvisa kudiwa kwePrivate Mortgage Inishuwarenzi (PMI).

Private Mortgage Inishuwarenzi (PMI): Kana kubhadhara kwako kuri pasi pe20%, PMI inodiwa, kuchengetedza mukweretesi kana akatadza.Mutengo wePMI unosiyana, uchipesvedzerwa nezvinhu zvakaita sereshiyo yechikwereti-ku-value uye kiredhiti mamakisi.

Chikwereti Chinodiwa Chikwereti: Mukana wakakosha wezvikwereti zvakajairwa mukana weiyo yakaderera mubereko ine yakakwira kiredhiti zvibodzwa.Kazhinji, chikamu chidiki chechikwereti che620 chinodiwa.

Chikwereti-ku-Ku-Income Ratio (DTI): Yako DTI chiyero yakakosha mukubvumidzwa.Nenzira yakanaka, inofanira kunge iri pasi pe43%, nereshiyo yakaderera ichinyanya kunaka.

Kuongorora uye Kunyora pasi: Maitiro edu ekunyora anoongorora kugadzikana kwako kwemari, nepo ongororo ichisimbisa kukosha kwenzvimbo, kuve nechokwadi chekuenderana nemari yechikwereti.
Zvikwereti Zvikwereti: Zvikwereti zvakajairwa zvakaiswa muzvikamu sezvinoenderana kana zvisingaenderane.Kuenderana nezvikwereti zvinosangana nemiganho yakatarwa naFannie Mae naFreddie Mac, nepo zvisingaite (jumbo) zvikwereti zvinodarika iyi miganhu.

Mari dzemubereko: PaAAA LENDINGS, tinopa emakwikwi emari yembavha pazvikwereti zvakajairika, izvo zvinosiyana zvichienderana nemamiriro emusika uye chimiro chako chechikwereti.

Sei uchisarudza Chikwereti chakajairika neAAA LENDINGS?
Kuchinjika muZvikwereti Zvikwereti neMatemu: Gadzirisa chikwereti chako kuti chikwane zvaunoda, ingave mari yechikwereti yakakura kana imwe nguva yekubhadhara.

Makwikwi eMortgage Mareti: Isu tinoshanda kuti tipe iwo akanyanya kunaka mitengo, kushandura kune inogona kuchengetedza pamusoro pehupenyu hwechikwereti chako.

Customized Sevhisi: Vashandi vedu vemortgage vanopa zano remunhu, kuve nechokwadi kuti unonzwisisa sarudzo dzako uye kuwana chikwereti chinoenderana nezvinangwa zvako zvemari.

Kugadzirira Chikwereti Chakajairika
Usati wanyorera, zvinokurudzirwa kuti:

• Ongorora kiredhiti yako uye uvandudze zvibodzwa zvako kana zvichidikanwa.
• Verenga DTI yako uye funga kuderedza zvikwereti.Yedu Mortgage Calculator inopa huwandu hwezvishandiso zvinosanganisira Kufarira-chete kubhadhara Calculator, Amortization Calculator, Rent vs. Buy Calculator, nezvimwe.Wana ruzivo rwekugona kukwanisa, mabhenefiti emutero, kubhadhara mapoinzi, mari yekuwana, APR yeARM, uye kuenzanisa kwechikwereti.Rega tikubatsire kujekesa zvaunoda uye kuita sarudzo dzine ruzivo paunenge uchitsvaga chikwereti chemba.Imba yako yeramangwana irikusvika - tora danho rekutanga nhasi.
• Chengetedza kune imwe mari yekubhadhara yakaderera kuti uwedzere mazwi echikwereti.

PaAAA LENDINGS, takazvipira kukubatsira kuti ufambise mamiriro ezvakajairwa zvikwereti zvembavha.Unyanzvi hwedu uye maitiro emunhu anovimbisa kuti iwe unoita sarudzo ine ruzivo, uchigadzira nzira yekumba yako yemaroto uine chivimbo uye nekujeka.

Kuti uwane rumwe ruzivo kana kutanga maitiro ako ekunyorera, taura nesu nhasi.Ngatiite kuti zviroto zvako zvevaridzi vemba zvive chokwadi!

VhidhiyoKunzwisisa Zvakajairwa Mortgage Zvikwereti neAAA LENDINGS

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.