11/10/2023

Mumamiriro ezvinhu akaomarara emari yembangi, kutsvaga vanokweretesa vanopa musanganiswa weyepamusoro-yeKukwereta-ku-Kukosha (LTV) reshiyo uye mibairo yakaderera inogona kuve inoshandura mutambo kune vanokwereta.Chinyorwa ichi chinoongorora kukosha kweLTV, chinoongorora mabhenefiti evanokweretesa vane yakakwira LTV uye mareti akaderera, uye inopa ruzivo kune vanokwereta vari kutsvaga kufamba munzvimbo iyi ine mukana.

Kunzwisisa Chikwereti-ku-Kukosha (LTV)

Decoding LTV

LTV ndiyo yakakosha metric mukubhadhara mari yembande, inomiririra chiyero chemari yechikwereti kune yakayerwa kukosha kwenzvimbo.Iyo LTV yakakwira inoratidza huwandu hwakakura hwechikwereti hunoenderana nekukosha kwenzvimbo, ichipa vanokwereta mukana wekubhadhara chikamu chakakosha chekutenga kwavo imba.

Kukosha kweHigh LTV

High LTV inova yakakosha kune vanokwereta vane mari shoma yekubhadhara pasi.Izvo zvinovatendera kuchengetedza imba yemba ine diki yekumberi mari inodiwa, kuvhura magonhi ekuva muridzi wemba kune chikamu chakakura chehuwandu.

Vanokweretesa vane Yakakwira LTV uye Yakaderera Mareti

Chii Chinovasiyanisa?

Vanokweretesa vanopa yakakwira LTV uye mareti akaderera vanozvisiyanisa nekupa vanokwereta mukana wepaviri wekuwana mari yechikwereti chakakura uku vachinakidzwa nemitengo yakanaka.Musanganiswa uyu unonyanya kukwezva kune avo vari kutsvaga kuwanikwa pasina kukanganisa pakukura kwechikwereti.

Mabhenefiti eHigh LTV uye Yakaderera Mareti

1. Kuwedzera Kukwanisa: Iyo yekutanga bhenefiti inowedzerwa kugona.Yakakwira LTV inogonesa vanokwereta kuchengetedza chikwereti chakakura, nepo mitengo yakaderera-yemari inobatsira mubhadharo wepamwedzi unogoneka, zvichiita kuti muridzi wemba awedzere kuwanikwa.
2. Yakaderedzwa Kumberi Mari: Kune vanokwereta vane mari shoma yekuchengeta, yakakwira LTV inoderedza kudiwa kwekubhadhara kwakawanda.Izvi zvinogona kunyanya kubatsira kune vanotanga kutenga imba kana avo vari kutsvaga kuchengetedza mari yezvimwe zvinangwa zvemari.
3. Yakawedzerwa Kuwana Kuva Muridzi Wepamba: Vanokweretesa vane yakakwira LTV uye mitengo yakaderera vanoita basa rakakosha mukuwedzera mukana wekuva muridzi wemba.Izvi zvinonyanya kukosha mumisika umo mitengo yezvivakwa yakakwira, uye kuchengetedza mari yekubhadhara kwakakosha kunoratidza kunetsa.
4. Makwikwi emubereko wemubereko: Makwikwi emubereko anopihwa nevakweretesi ava anovimbisa kuti vanokwereta havangobatsiri chete kubva kune yakakwira chikwereti chemari asiwo vanonakidzwa nekubhadhara mari inodhura muhupenyu hwese chikwereti.

Mafungiro kune Vanokwereta

1. Chikwereti Nyaya

Nepo sarudzo dzepamusoro dzeLTV dziripo, vanokwereta vanofanirwa kurangarira kukweretwa kwavo.Kuchengeta kiredhiti ine hutano kunowedzera mukana wekuwana mibairo yakanaka, kunyangwe neLTV yakakwira.

2. Kuronga Kwemari Kwenguva Yakareba

Vanokwereta vanofanira kufunga nezvezvinangwa zvavo zvenguva refu zvemari kana vachisarudza yakakwira LTV uye mitengo yakaderera.Ongorora kuti mazwi echikwereti anopindirana sei nezvirongwa zvenguva yemberi, kuve nechokwadi chekuti mari inoramba yakagadzikana nekufamba kwenguva.

3. Kuenzanisa Kutenga

Ongorora zvinopihwa kubva kune vakasiyana-siyana vanokweretesa kuti uone mazwi akanyanya kunaka.Nepo yakakwira LTV uye yakaderera mareti inobatsira, kuenzanisa sarudzo kunobvumira vanokwereta kuchengetedza iyo inodhura-inoshanda uye yakarongedzerwa mari.

4. Kubvunzana neMortgage Professionals

Kubatana nevashandi vemortgage kunogona kupa ruzivo rwakakosha.Mortgage vanopa mazano vanogona kutungamira vanokwereta mukunzwisisa nuances yeyakakwira LTV mari, vachivabatsira kuita sarudzo dzine ruzivo zvinoenderana nezvinangwa zvavo zvemari.

Mhedziso

Vanokweretesa vanopa yakakwira LTV uye mareti akaderera anomiririra gedhi rekusimudzira kugona uye nekuwedzera mikana yekuva imba.Sezvo vanokwereta vanofamba munzvimbo iyi, nzira yehungwaru inosanganisira kuongororwa kwechikwereti, kuronga kwenguva refu, uye kubvunzana nenyanzvi dzeindasitiri inova nechokwadi chekuita sarudzo ine ruzivo.Kusarudza vanokweretesa vanoenderana nezvose zvinangwa zvemari uye zvishuwo zvezvivakwa zvinovhura nzira yenzira inosvikika uye yakagadzikana yekuva muridzi wemba.

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.