Igipimo cyijanisha ryumwaka (APR) nigipimo cyinyungu kigaragaza ikiguzi cyinguzanyo nkigipimo cyumwaka. Iki gipimo gishobora kuba kiri hejuru yikigereranyo cy’inoti zavuzwe cyangwa igipimo cyamamajwe ku nguzanyo, kubera ko hitawe ku ngingo n’andi mafaranga yatanzwe. APR yemerera abagura amazu kugereranya ubwoko butandukanye bwinguzanyo zishingiye kubiciro byumwaka kuri buri nguzanyo. APR yagenewe gupima "ikiguzi nyacyo cy'inguzanyo." Irema urwego rukiniraho ikibuga. Irinda abatanga inguzanyo kwamamaza igiciro gito no guhisha amafaranga.

APR ntabwo ihindura ubwishyu bwawe buri kwezi. Ukwezi kwishura buri kwezi nigikorwa cyinyungu ninyungu zinguzanyo.

Kuberako ibarwa rya APR rikorwa namafaranga atandukanye atangwa nabatanga inguzanyo, inguzanyo ifite APR yo hasi ntabwo byanze bikunze igipimo cyiza. Inzira nziza yo kugereranya inguzanyo nugusaba abatanga inguzanyo kuguha ikigereranyo cyiza cyo kugereranya ibiciro byabo kubwoko bumwe bwa gahunda (urugero: imyaka 30 yagenwe) ku nyungu imwe. Urashobora noneho gusiba amafaranga atigenga ku nguzanyo nkubwishingizi bwa banyiri amazu, amafaranga yumutwe, amafaranga ya escrow, igihembo cya avoka, nibindi. Noneho ongeraho amafaranga yinguzanyo yose. Uwatanze inguzanyo afite amafaranga make yinguzanyo afite inguzanyo ihendutse kuruta uwatanze amafaranga menshi yinguzanyo.

Amafaranga akurikira muri rusange ashyirwa muri APR:

Ingingo - byombi amanota yagabanutse hamwe ninkomoko

Inyungu zishyuwe mbere. Inyungu yatanzwe kuva umunsi inguzanyo irangiye kugeza ukwezi kurangiye.

Amafaranga yo gutunganya inguzanyo

Amafaranga yo kwandika

Amafaranga yo gutegura inyandiko

Ubwishingizi bw'inguzanyo

Amafaranga yo guhunga

Amafaranga akurikira mubusanzwe ntabwo ashyirwa muri APR:

Amafaranga yumutwe cyangwa abstract

Inguzanyo ya avoka

Amafaranga yo kugenzura urugo

Amafaranga yo gufata amajwi

Kohereza imisoro

Raporo y'inguzanyo

Amafaranga yo gusuzuma

Hasi nurutonde rwibyangombwa bisabwa mugihe usabye inguzanyo. Ariko, ibintu byose birihariye kandi urashobora gusabwa gutanga izindi nyandiko. Noneho, niba ubajijwe ibisobanuro byinshi, korana kandi utange amakuru asabwa vuba bishoboka. Bizafasha kwihutisha gahunda yo gusaba.

Umutungo wawe

Kopi yamasezerano yo kugurisha yasinywe harimo nabayitwara bose

Kugenzura kubitsa washyize murugo

Amazina, aderesi na numero za terefone byabimuka bose, abubatsi, abashinzwe ubwishingizi nabavoka babigizemo uruhare

Kopi yurupapuro rwurutonde nibisobanuro byemewe niba bihari (niba umutungo ari agakingirizo nyamuneka tanga imenyekanisha rya condominium, amategeko-ngengo yimari ya vuba)

Amafaranga winjiza

Amakopi yimishahara yawe-mugihe cyiminsi 30 iheruka numwaka-ku-munsi

Amakopi ya W-2 yawe mumyaka ibiri ishize

Amazina na aderesi yabakoresha bose mumyaka ibiri ishize

Ibaruwa isobanura icyuho cyose mumirimo mumyaka 2 ishize

Viza y'akazi cyangwa ikarita y'icyatsi (kopi imbere & inyuma)

Niba wikorera wenyine cyangwa wakiriye komisiyo cyangwa bonus, inyungu / inyungu, cyangwa amafaranga yinjiza:

Tanga imenyekanisha ryimisoro yuzuye mumyaka ibiri ishize PLUS yumwaka-ku-munsi Inyungu n’igihombo (nyamuneka utange imenyekanisha ryimisoro yuzuye harimo gahunda hamwe n’ibisobanuro. Niba watanze iyongerwa, nyamuneka utange kopi y’iyongerwa.)

K-1 kubufatanye bwose na S-Corporate mumyaka ibiri ishize (nyamuneka reba inshuro ebyiri kugaruka kwawe. K-1 nyinshi ntabwo zifatanije na 1040.)

Byarangiye kandi byashyizweho umukono ku bufatanye bwa Leta (1065) na / cyangwa Umusoro ku nyungu rusange (1120) harimo gahunda zose, ibisobanuro hamwe ninyongera kumyaka ibiri ishize. (Birasabwa gusa niba umwanya wawe ufite ari 25% cyangwa irenga.)

Niba uzakoresha Alimony cyangwa Inkunga yumwana kugirango wemererwe:

Tanga icyemezo cyo gutandukana / icyemezo cyurukiko cyerekana umubare, kimwe, nicyemezo cyuko wakiriye amafaranga yumwaka ushize

Niba wakiriye amafaranga yubwiteganyirize bwabakozi, ubumuga cyangwa VA inyungu:

Tanga ibaruwa yigihembo yikigo cyangwa umuryango

Inkomoko y'amafaranga no kwishyura mbere

Igurisha ryinzu yawe isanzwe - tanga kopi yamasezerano yagurishijwe yasinywe aho utuye hamwe n’itangazo cyangwa amasezerano yo gutondeka niba atagurishijwe (mugihe cyo gufunga, ugomba no gutanga ubwumvikane / Gusoza)

Kuzigama, kugenzura cyangwa amafaranga yisoko ryamafaranga - gutanga kopi yinyandiko za banki mumezi 3 ashize

Ububiko na bonds - tanga kopi yamagambo yawe uhereye kuri broker wawe cyangwa kopi yicyemezo

Impano - Niba igice cyamafaranga yawe yo gufunga, tanga Impano nimpano yerekana ko wakiriye amafaranga

Ukurikije amakuru agaragara kuri porogaramu yawe na / cyangwa raporo y'inguzanyo, urashobora gusabwa gutanga izindi nyandiko

Amadeni cyangwa Inshingano

Tegura urutonde rwamazina yose, aderesi, nimero za konti, amafaranga asigaye, hamwe nubwishyu buri kwezi kumadeni yose asanzwe hamwe na kopi yibitekerezo bitatu byanyuma.

Shyiramo amazina yose, aderesi, nimero za konti, amafaranga asigaye, hamwe no kwishyura buri kwezi kubafite inguzanyo na / cyangwa ba nyirinzu mumyaka ibiri ishize

Niba uriha amafaranga ya alimoni cyangwa infashanyo yumwana, shyiramo ubukwe / icyemezo cyurukiko kivuga ibyateganijwe

Reba kugirango ubone amafaranga yo gusaba

Gutanga inguzanyo ni sisitemu abahawe inguzanyo bakoresha kugirango bagufashe kumenya niba baguha inguzanyo. Amakuru yerekeye wowe hamwe nubunararibonye bwinguzanyo, nkamateka yishyuye fagitire, umubare nubwoko bwa konti ufite, kwishyura bitinze, ibikorwa byo gukusanya, umwenda udasanzwe, hamwe nimyaka ya konti yawe, byakusanyirijwe mubisabwa inguzanyo na raporo y'inguzanyo. Ukoresheje gahunda y'ibarurishamibare, abahawe inguzanyo bagereranya aya makuru nibikorwa byinguzanyo byabaguzi bafite imyirondoro isa. Sisitemu yo gutanga inguzanyo itanga amanota kuri buri kintu gifasha guhanura ushobora kuzishyura umwenda. Umubare wuzuye w'amanota - amanota y'inguzanyo - ifasha guhanura uko uri inguzanyo, ni ukuvuga, bishoboka ko uzishyura inguzanyo kandi ukishyura igihe gikwiye.

Amanota akoreshwa cyane ni amanota ya FICO, yatunganijwe na Fair Isaac Company, Inc. Amanota yawe azagabanuka hagati ya 350 (ibyago byinshi) na 850 (risque nke).

Kuberako raporo yinguzanyo yawe ari igice cyingenzi muri sisitemu nyinshi zo gutanga inguzanyo, ni ngombwa cyane kumenya neza niba ari ukuri mbere yo gutanga inguzanyo. Kugirango ubone kopi ya raporo yawe, hamagara ibigo bitatu byingenzi bitanga inguzanyo:

Equifax: (800) 685-1111

Umunyamerika (ahahoze ari TRW): (888) UMUNTU (397-3742)

Ubumwe: (800) 916-8800

Izi nzego zirashobora kukwishyura $ 9.00 kuri raporo y'inguzanyo.

Ufite uburenganzira bwo kwakira raporo y'inguzanyo imwe ku buntu buri mezi 12 kuri buri sosiyete itanga inguzanyo ku baguzi mu gihugu hose - Equifax, Experian na TransUnion. Iyi raporo yinguzanyo yubuntu ntishobora kuba irimo amanota yinguzanyo kandi irashobora gusabwa ukoresheje urubuga rukurikira: https://www.annualcreditreport.com

Ingero zo gutanga inguzanyo ziragoye kandi akenshi ziratandukanye mubagurijwe no muburyo butandukanye bwinguzanyo. Niba ikintu kimwe gihindutse, amanota yawe arashobora guhinduka - ariko gutera imbere muri rusange biterwa nuburyo icyo kintu gifitanye isano nibindi bintu byasuzumwe nurugero. Gusa uwagurijwe arashobora gusobanura icyateza imbere amanota yawe munsi yicyitegererezo cyakoreshejwe mugusuzuma inguzanyo yawe.

Nubwo bimeze bityo, amanota yerekana amanota asuzuma ubwoko bukurikira bwamakuru muri raporo y'inguzanyo

Nubwo muri rusange ari byiza gushiraho konti zinguzanyo, konti nyinshi zinguzanyo zishobora kugira ingaruka mbi kumanota yawe. Mubyongeyeho, moderi nyinshi zitekereza ubwoko bwa konti yinguzanyo ufite. Kurugero, muburyo bumwe bwo gutanga amanota, inguzanyo zitangwa namasosiyete yimari zirashobora kugira ingaruka mbi kumanota yawe y'inguzanyo.

Ingero zo gutanga amanota zishobora kuba zishingiye gusa kumakuru muri raporo y'inguzanyo. Kurugero, icyitegererezo gishobora gusuzuma amakuru avuye gusaba inguzanyo nayo: akazi kawe cyangwa akazi, uburebure bwakazi, cyangwa niba ufite inzu.

Kunoza amanota y'inguzanyo ukurikije moderi nyinshi, shimangira kwishyura fagitire ku gihe, kwishyura amafaranga asigaye, no kudafata umwenda mushya. Birashoboka gufata igihe kugirango utezimbere amanota yawe.

Umutungo wimuwe kumugurisha kuriwe "Gufunga" cyangwa "Inkunga".

Mugusoza, uburenganzira bwumutungo bwimuwe kumugurisha kuriwe. Ibi birashobora kukugiramo uruhare, ugurisha, abashinzwe imitungo itimukanwa, avoka wawe, uwunganira inguzanyo, izina cyangwa abahagarariye ibigo bya escrow, abanditsi, abanyamabanga, nabandi bakozi. Urashobora kugira avoka uhagarariye niba udashobora kwitabira inama yo gusoza, ni ukuvuga, niba uri hanze yigihugu. Gufunga birashobora gufata ahantu hose kuva kumasaha 1 kugeza kuri byinshi bitewe ningingo ziteganijwe mugutanga kugura, cyangwa konti zose za escrow zikeneye gushyirwaho.

Impapuro nyinshi mugusoza cyangwa gukemura bikorwa nabavoka ninzobere mu mitungo itimukanwa. Urashobora cyangwa ntushobora kugira uruhare mubikorwa bimwe byo gusoza; biterwa nuwo mukorana.

Mbere yo gufunga ugomba kugira ubugenzuzi bwa nyuma, cyangwa "gutambuka" kugirango wishingire gusanwa byakozwe, kandi ibintu byemeranijwe kuguma hamwe ninzu birahari nka drape, ibikoresho byo kumurika, nibindi.

Mu bihugu byinshi, kwishura byujujwe na titre cyangwa escrow firm aho wohereje ibikoresho byose namakuru wongeyeho cheque yabashinzwe kubikwiye kugirango ikigo gishobore gutanga amafaranga akenewe. Uhagarariye azatanga cheque kumugurisha, hanyuma aguhe urufunguzo.

Intangiriro

Iyi ngingo ikubiyemo amakuru yinguzanyo ihenze cyane yinguzanyo, harimo:

· Ibisobanuro bya HPML

· Ibisabwa ku nguzanyo ya HPML

Ibisobanuro bya HPML

Muri rusange, inguzanyo yinguzanyo ihenze cyane ni imwe ifite igipimo cyijanisha ryumwaka, cyangwa APR, irenze igipimo cyiswe Average Prime Offer Rate.

Impuzandengo y'Ibiciro Byambere (APOR) ni igipimo cyijanisha ryumwaka gishingiye ku gipimo cy’inyungu mpuzandengo, amafaranga, n’andi magambo ku nguzanyo zitangwa ku baguriza babishoboye.

Inguzanyo yawe izafatwa nkinguzanyo ihenze cyane mugihe APR ari ijanisha runaka kurenza APOR ukurikije ubwoko bwinguzanyo ufite:

· Inguzanyo-yambere-inguzanyo: APR ni amanota 1.5 ku ijana cyangwa arenze APOR.

· Inguzanyo ya Jumbo: APR ni amanota 2.5 ku ijana cyangwa arenze APOR

· Inguzanyo zishingiye ku nguzanyo Li Lien ya 2）: APR y'iyi nguzanyo ni amanota 3.5 ku ijana cyangwa arenga kuri APOR

Ibisabwa ku nguzanyo ya HPML

Inguzanyo yinguzanyo ihenze cyane izaba ihenze kuruta inguzanyo ifite impuzandengo. Kubwibyo, uwaguhaye inguzanyo agomba gufata ingamba zinyongera kugirango umenye neza ko ushobora kwishyura inguzanyo kandi ntuzishyure. Inguzanyo yawe irashobora:

· Kubona isuzuma ryimbere ryimbere kubisuzuma byemewe cyangwa byemewe

· Tanga isuzuma rya kabiri ryurugo rwawe kubuntu, niba ari inzu "Flip"

· Mubihe byinshi, komeza konte ya escrow byibuze imyaka itanu

Intangiriro

Iyi ngingo ikubiyemo amakuru ku Mategeko ya ATR no Kuzuza Inguzanyo, harimo:

Ni irihe tegeko rya ATR？

· Ubwoko bw'inguzanyo busonewe inguzanyo zujuje ibyangombwa

Ni irihe tegeko rya ATR?

Ubushobozi-bwo kwishyura ni itegeko ryumvikana kandi ryiza ryo kugena kwizera kwinshi abatanga inguzanyo basabwa gukora kugirango ubashe kwishyura inguzanyo.

Muri iryo tegeko, abatanga inguzanyo bagomba kumenya muri rusange kumenya, gutekereza, no kwandika ibyinjira byinguzanyo, umutungo, akazi, amateka yinguzanyo nibisohoka buri kwezi. Abatanga inguzanyo ntibashobora gukoresha igipimo cyintangiriro cyangwa "teaser" kugirango bamenye niba uwagurijwe ashobora kwishyura inguzanyo. Kurugero, niba inguzanyo ifite inyungu nkeya izamuka mumyaka yakurikiyeho, uwatanze inguzanyo agomba gukora ibishoboka byose kugirango amenye niba uwagurijwe ashobora kwishyura inyungu zisumbuyeho.

Uburyo bumwe uwatanze inguzanyo ashobora gukurikiza ubushobozi-bwo kwishyura ni ugukora "Inguzanyo zujuje ibyangombwa".

Ubwoko bw'inguzanyo busonewe inguzanyo zujuje ibyangombwa

· Igihe cy "inyungu-yonyine", iyo wishyuye inyungu gusa utishyuye umuyobozi, ni umubare wamafaranga wagujije.

· “Amortisation Negative” ishobora kwemerera umuyobozi w'inguzanyo kwiyongera mugihe, nubwo wishyura.

· "Kwishyura kwa Ballon" nini kuruta uko bisanzwe byishyurwa nyuma yigihembwe cyinguzanyo. Igihe cyinguzanyo nigihe kirekire inguzanyo yawe igomba kwishyurwa. Menya ko ballon yishyurwa byemewe mubihe bimwe byinguzanyo zitangwa nabatanga inguzanyo nto.

· Amagambo y'inguzanyo arenze imyaka 30.

Ingwate zubudahemuka zagenewe kurinda abafatanyabikorwa babo igihombo icyo aricyo cyose kibaho bitewe nibikorwa byangiza cyangwa uburiganya byakozwe nababuranyi byerekanwe. Mu bihe byinshi, inkwano zokwizerwa zikoreshwa mukurinda ibigo ibikorwa byabakozi b'inyangamugayo.

Nubgo bitwa inkwano, ubudahemuka nubwoko bwa politiki yubwishingizi kubucuruzi / abakoresha, kubishingira igihombo cyatewe nabakozi (cyangwa abakiriya) bangiza nkana mubucuruzi. Bikubiyemo ibikorwa byose bigirira akamaro umukozi muburyo bwamafaranga cyangwa kubangamira ubucuruzi nkana. Ingwate zubudahemuka ntizishobora kugurishwa kandi ntizishobora inyungu nkizisanzwe.

 

Incamake

Ingwate zindahemuka zirinda abafatanyabikorwa babo ibikorwa bibi kandi byangiza byakozwe nabakozi cyangwa abakiriya.

Hariho ubwoko bubiri bwinguzanyo zubudahemuka: ingwate-yambere (irinda ibigo ibikorwa bibi byabakozi cyangwa abakiriya) hamwe nundi muntu wa gatatu (urinda ibigo ibikorwa bibi byabakozi basezeranye).

Ingwate ni ingirakamaro kuko ziri mu ngamba zo gucunga ibyago bya sosiyete, ikingira isosiyete ibikorwa byagira ingaruka mbi ku mutungo wabo.

Inkwano zikubiyemo ibintu byinshi bimwe bikubiye muri politiki y’ubwishingizi bw’ibanze nk’ubujura n’ubujura, ariko kandi bikubiyemo ibintu iyi politiki idashobora. Ibi birimo ibintu nkuburiganya, inyandiko mpimbano, kunyereza umutungo, n’ibindi byaha byinshi bya “cola yera” bishobora gukorwa n’abakozi bo mu bigo by’imari n’amasosiyete manini.

Inguzanyo yimitungo yo munzu-izwi kandi nk'inguzanyo ingana, inguzanyo yo kugabana amazu, cyangwa inguzanyo ya kabiri - ni ubwoko bw'umwenda w'abaguzi. Inguzanyo zinguzanyo zamazu zemerera banyiri amazu kuguza inguzanyo murugo rwabo. Amafaranga y'inguzanyo ashingiye ku itandukaniro riri hagati yagaciro k'urugo muri iki gihe hamwe na nyir'urugo asigayemo inguzanyo. Inguzanyo zinguzanyo zamazu zikunda kuba igipimo cyagenwe, mugihe ubundi buryo busanzwe, imirongo yinguzanyo yo murugo (HELOCs), mubisanzwe bifite ibiciro bihinduka.

INGINGO Z'INGENZI:

Inguzanyo yimitungo yo munzu, izwi kandi nka "inguzanyo yinguzanyo yo munzu" cyangwa "inguzanyo ya kabiri," ni ubwoko bwimyenda yabaguzi.

Inguzanyo zinguzanyo zamazu zemerera ba nyiri amazu kuguza imigabane yabo.

Amafaranga yinguzanyo yo munzu ashingiye ku itandukaniro riri hagati yagaciro kisoko ryurugo hamwe ninguzanyo yatanzwe.

Inguzanyo zinguzanyo zamazu ziza muburyo bubiri-inguzanyo ziteganijwe-hamwe ninguzanyo zinguzanyo zamazu (HELOCs).

Inguzanyo ntarengwa yo kugurizanya amazu itanga icyarimwe, mugihe HELOCs itanga abahawe inguzanyo kumurongo winguzanyo.

Mugihe cyo gutinda gutera inkunga, urashobora gufata amafaranga mumitungo ako kanya kugirango ubone igiciro cyubuguzi nigiciro cyo gufunga umutungo wari waguze mbere namafaranga. . Ibi biragufasha kugira amahirwe yo kuba umuguzi wamafaranga no guha abagurisha amahirwe yo kumenya ko ibicuruzwa bizarangira, mugihe biguha ubushobozi bwo kubona inguzanyo nyuma yigihe gito kugirango wirinde kuzigama amafaranga yawe yose murugo rwawe.

Urashobora gutekereza gutinda gutera inkunga nkuburyo bwo kwiha inyungu zo kuganira zizanwa no kwishyura amafaranga murugo, mugihe ukomeje kwiha igihe kirekire cyamafaranga yatanzwe mugutanga buri kwezi kuri inguzanyo aho kwigira "inzu ikennye."

Agaciro k'ubukode ni ingenzi mu kugura umutungo w'ishoramari. Nigute dushobora kumenya agaciro k'ubukode noneho? Urubuga rukurikira rushobora kugufasha.

Nta kwinjira bisabwa, kubuntu.

Zillow.com

http://www.umukoresha.com/

Imbuga ebyiri zavuzwe haruguru zikoreshwa cyane. Bafite ibarura rinini, urujya n'uruza rwinshi, kandi batanga serivisi zitwara nyirinzu kuva mubucuruzi kugeza kubikodesha.

https://www.huduser.gov/portal/datasets/fmr.html

Urubuga rwemewe rwibiro bya ITERAMBERE RYA POLITIKI NUBUSHAKASHATSI.

Izo mbuga eshatu hejuru zigomba kuba zihagije kugirango umenye ubukode bwisoko.

Nyamara, ibi nibyerekanwe gusa, niba amafaranga yubukode azakoreshwa mubyangombwa byinjira, raporo yisuzuma cyangwa amasezerano yubukode arashobora gukenerwa.

Inguzanyo zisanzwe zifite imipaka igabanya igipimo cya DTI / Ibigega / LTV / Inguzanyo. Mubisanzwe, benshi mubaguriza barashobora kwemererwa inguzanyo isanzwe yinjiza menshi n amanota yinguzanyo. Mugihe kuri bamwe mubaguriza, amafaranga yinjiza ari make cyangwa afite ubwoko butandukanye bwinjiza, bikavamo imisoro mibi; Inguzanyo ya Fannie Mae ntishobora kwemera ubu bwoko iyo inguzanyo zinguzanyo zinzu.

Muri iki gihe, urashobora kugerageza kumenya inguzanyo zimwe zitanga ibicuruzwa bitari QM. Inguzanyo za AAA ubu zitanga Itangazo rya Banki, Platinum Jumbo, Amafaranga Yabashoramari (Ntakeneye amakuru yakazi, Ntakeneye DTI), Kugabanuka k'umutungo na gahunda zigihugu zamahanga. Umuntu wese arashobora kubona ibicuruzwa bikwiye hamwe nigiciro gito nigiciro cyiza.

Dore ingero nke zerekana ibintu byashimwe vuba aha:

Abashoramari batimukanwa bafite imitungo myinshi harimo udukingirizo tutemewe. ---- Amafaranga y'abashoramari

Abaguriza ku giti cyabo bafite inguzanyo nziza cyane amafaranga yinjiza ku musoro ntashobora kuzuza inzu nziza bashobora kugura. ---- Itangazo rya Banki Gusa

Ibintu byaguye aho uwagurijwe yari afite imyaka ibiri gusa yo kwamburwa. ---- Platinum Jumbo

Uwagurijwe yagurishije ubucuruzi bwabo bwa miliyoni nyinshi z'amadolari hanyuma abona inzu yinzozi zabo ariko nta soko yinjiza yanditse .---- Depletion Umutungo