11/08/2023

Kana zvasvika pakuwana chikwereti chemba, nguva inowanzova yakakosha.Kunyangwe iwe uri mutengi wemba ane shungu dzekuchengetedza imba yako yezviroto kana mutengesi wezvivakwa ari kutsvaga kuvhara dhiri, kumhanya kunoitwa neako mukweretesi manyorerwo ekunyora pasi kunogona kuita mutsauko wakakura.Muchikamu chino, tichaongorora nguva dzekuchinja kwemukweretesi, nei zvichikosha, uye kuti tingakurumidzisa sei kubvumidzwa kwemortgage.

Kunzwisisa Underwriting muMortgage Lending

Chii chinonzi Underwriting?

Mortgage underwriting ndiyo nzira iyo mukweretesi anoongorora njodzi ine chekuita nekupa chikwereti kune anokwereta.Panguva yekunyora pasi, mukweretesi anoongorora kukweretwa kwemukwereti, mari yaanowana, nhoroondo yebasa, uye pfuma iri kupihwa mari.

Kukosha Kwekunyora

Underwriting inhanho yakakosha mukubvumidzwa kwemortgage.Inobatsira vanokweretesa kuona mwero wenjodzi yavari kutora uye kana mukwereti ari mumiriri akakodzera wechikwereti.Maitiro ekunyora pasi anosanganisira kuongororwa kwakadzama kwemamiriro emari emukwereti uye pfuma ichapihwa mari.

Nei Kunyora Kuchinja Nguva Kunokosha

Iko kumhanya uko mukweretesi weholesale anogona kupedzisa kunyora pasi kwakakosha nekuda kwezvikonzero zvakati:

1. Kukwikwidza Kunobatsira: Mumusika wemakwikwi ezvivakwa, kukwanisa kuendesa yakasimba, pre-yakanyorwa pasi inogona kukuisa iwe kubva kune vamwe vatengi.
2. Nekukurumidza Kuvhara: Kukurumidza kunyora pasi kunogona kutungamira kukurumidza kubvumidzwa kwechikwereti uye, nekudaro, nekukurumidza kuvhara, izvo zvinonyanya kukosha kune vekutengesa zvivakwa.
3. Rate Lock Periods: Mari yemubereko pazvikwereti zvembatya inowanzovharwa kwenguva yakati.Kukurumidza kunyora pasi kunovimbisa kuti chiyero chakakiyiwa chinoramba chiri chechokwadi.
4. Yakaderedzwa Kushushikana: Nguva pfupi yekunyora pasi inoderedza kushushikana kwakabatana nekumirira kubvumidzwa kwembandi.

Mazano eKukurumidzisa Underwriting Turnaround

Kuti ukurumidze kunyorera pasi nemukweretesi wako weholesele, funga anotevera matipi:

1. Ronga Zvinyorwa Zvako: Ita shuwa kuti magwaro ese anodiwa akazara uye akarongeka, anosanganisira marekodhi emutero, mari yekubhadhara, zvirevo zvebhangi, uye chero mamwe marekodhi emari.
2. Chengetedza Kukurukurirana Kwakanaka: Ramba uri pedyo nemukweretesi wako, uchipindura nekukurumidza kune chero zvikumbiro zvekuwedzera ruzivo kana kujekeswa.
3. Sarudza Mukweretesi ane Yakanaka Track Rekodhi: Sarudza mukweretesi mukuru anozivikanwa nemaitiro avo ekunyora pasi.
4. Shanda neMortgage Broker: Mortgage broker vane hukama nevakweretesi vakasiyana uye vanogona kukubatsira iwe kuwana imwe nekukurumidza kunyora pasi.
5. Funga nezve Automated Underwriting: Vamwe vanokweretesa vanopa otomatiki ekunyora pasi masisitimu ayo anogona kukurumidzira maitiro kune vanokwereta vanozadzisa zvakatarwa.

Mhedziso

Mukweretesi anokweretesa pasi pekunyorera nguva dzekuchinja dzinoita basa rakakosha mukuita kwemvumo yemortgage.Kunyangwe iwe uri mutengi weimba kana mutengesi wezvivakwa, kukurumidza kunyora pasi kunogona kuve kiyi yekuchengetedza chivako chaunoda.Nekunzwisisa kukosha kwekumhanya kwekunyora pasi uye nekutevera matipi ekukurumidzira maitiro, unogona kukwenenzvera rwendo rwako rwembarenji uye kufambisa nhanho imwe padhuze nekuziva iwe muridzi wemba kana zvinangwa zvekudyara.

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.