10/18/2023

Paunenge uchifunga kushandisa mortgage broker kuti akubatsire kuwana yakanakisa chikwereti chemba, zviri muropa kushamisika kuti vanobhadharwa sei.Muripo wemortgage broker unogona kusiyana, uye kunzwisisa kuti nyanzvi idzi dzinobhadharwa sei kwakakosha kune vese vanokwereta nemabroker.Mugwaro rino rakazara, isu tichaongorora zvinhu zvinopesvedzera muripo wemortgage broker topindura mubvunzo: Marii mabrotgage broker anobhadharwa?

Iwo Basics eMortgage Broker Muripo

Mortgage broker vanoita sevarevereri pakati pevakwereti nevakweretesi, vachibatsira vanokwereta kuwana zvikwereti zvemba.Ivo vanowana mari yavo kuburikidza nenzira dzakasiyana dzemuripo, kusanganisira:

1. Mukweretesi-Kubhadhara Muripo

Mumuenzaniso uyu, mukweretesi anobhadhara komisheni yemortgage broker.Komisheni iyi inowanzoita chikamu chemari yechikwereti, kazhinji inosvika 1% kusvika 2% yehuwandu hwechikwereti.Vanokwereta havabhadhare broker zvakananga mune ino mamiriro.

2. Mukwereti-Akabhadhara Muripo

Vanokwereta vanogona kusarudza kubhadhara iyo mortgage broker zvakananga kune avo masevhisi.Muripo uyu unogona kunge uri muripo wakatsetseka kana chikamu chemari yechikwereti.Izvo zvakakosha kukurukura nezve mubhadharo chimiro nebroker yako pamberi.

3. Yield Spread Premium (YSP)

YSP inzira yemuripo apo mukweretesi anobhadhara bhuroka mari yekubhadhara kuti awane chikwereti chine mubereko wepamusoro pane wakaderera unokodzera mukwereti.Iyi premium inogona kuve imwe sosi yemari yebroker.

Zvinhu Zvinokonzera Mortgage Broker Muripo

Zvinhu zvakati wandei zvinopesvedzera kuti mari yemortgage broker inobhadharwa sei:

1. Kukura Kwechikwereti

Kukura kwemari yechikwereti, ndiko kunowedzera mukana wemukweretesi wemortgage kuwana, kunyanya mumhando dzemuripo anobhadharwa nemukweretesi uko komisheni yemubhuroka iri chikamu chemari yechikwereti.

2. Chikwereti Type

Mhando dzakasiyana dzezvikwereti, senge zvakajairwa, FHA, kana VA zvikwereti, zvinogona kupa muripo wakasiyana-siyana wevatengi.

3. Musika uye Nzvimbo

Kubhadhara kunogona kusiyana nenzvimbo uye mamiriro emusika.Mabroker mumisika yemakwikwi anogona kuwana makomisheni epamusoro.

4. Chiitiko cheBroker uye mukurumbira

Mabroker ane ruzivo ane mukurumbira wakasimba anogona kuraira miripo yepamusoro.

5. Hunyanzvi hwekutaurirana

Vanokwereta vanogona kunge vaine nzvimbo yekutaurirana nezvemuripo wemutengesi, kunyanya mumamiriro ekubhadhara anokwereta.

Transparency in Compensation

Chimwe chezvinhu zvakakosha mukunzwisisa muripo wemortgage broker kuve pachena.Mabhuroka anofanirwa kuzivisa chimiro chavo chemuripo kune vanokwereta, ingave inobhadharwa-inobhadharwa kana mukwereti-akabhadharwa.Vanokwereta vane kodzero yekuziva kuti imarii iyo broker achawana kubva mukutengeserana.

Mhedziso

Mortgage broker muripo anogona kusiyana zvichienderana nezvakawanda zvinhu, kusanganisira muripo wemodhi, saizi yechikwereti, uye mamiriro emusika.Kunzwisisa kuti imarii mabrotgage broker anobhadharwa kwakakosha kune vanokwereta, sezvo ichibatsira kuve pachena uye inobvumira vanokwereta kuita sarudzo dzine ruzivo.Kunyangwe iwe ukasarudza yeanokweretesa-akabhadhara kana anokwereta-akabhadhara modhi, kukurukura muripo nemutengesi wako inhanho yakakosha mukuita remba.Rangarira kuti anonyatso bhadhara uye ane ruzivo mortgage broker anogona kupa rubatsiro rwakakosha mukutsvaga yakanakisa mortgage kune zvaunoda.

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.