15/11/2023

Iyo ucengeye mubice byo gutera inkunga amafaranga, gusobanukirwa igitekerezo cya "cash-out seasoning" hamwe nibisabwa bifitanye isano biba ibyambere.Aka gatabo kagamije gucukumbura uburyo bwo gutondekanya amafaranga, gushakisha ibisobanuro byayo, akamaro kayo, nibisabwa byingenzi abatanga inguzanyo basanzwe batanga.

Gusobanura Amafaranga Yashize

Ibihe byashize bivuga igihe nyir'urugo asabwa gutegereza hagati yo kugura inzu ya mbere cyangwa gutunganyirizwa hamwe no kwishyura amafaranga nyuma.Iki gihe cyo gutegereza ni ingamba zo kugabanya ingaruka ku baguriza, kwemeza ko uwagurijwe afite amateka ahamye yo kwishyura hamwe n’imigabane ihagije mbere yo kubona andi mafaranga.

Akamaro ka Cash-Out Seasoning

Igihe cyigihe cyo gutanga amafaranga gikora intego nyinshi, harimo:

1. Kugabanya ingaruka: Abatanga inguzanyo bakoresha ibisabwa kugirango bagabanye ingaruka zijyanye no gutunganya amafaranga.Igihe cyo gutegereza kibafasha gusuzuma imyitwarire yo kuguriza uwagurijwe hamwe nagaciro keza k'umutungo.
2. Kwemeza uburinganire: Ibihe byo gutegereza bifasha kwemeza ko umutungo washimye agaciro, kandi uwagurijwe yubatse imigabane ihagije.Ibi byemeza inguzanyo iringaniye-ku gaciro.
3. Isuzuma ryamateka yo Kwishura: Abatanga inguzanyo bakoresha igihe cyigihe cyo gusuzuma amateka yuwagurijwe.Kwishura buri gihe kandi ku gihe byongerera inguzanyo inguzanyo.

Amafaranga asabwa igihembwe gisabwa: Ibintu byingenzi

1. Ubwoko bw'inguzanyo

Ubwoko bw'inguzanyo uwagurijwe ni gutera inkunga bigira uruhare runini.Ku nguzanyo zisanzwe, ibihe bisanzwe bisabwa ni amezi atandatu, mugihe inguzanyo za FHA akenshi zifite igihe cyamezi 12.

2. Amanota y'inguzanyo

Abaguriza bafite amanota menshi yinguzanyo barashobora gukorerwa igihe gito, kuko inguzanyo zabo zimaze gushingwa.

3. Imiterere y'akazi

Imiterere yumutungo - yaba inzu yibanze, inzu ya kabiri, cyangwa umutungo wishoramari - irashobora guhindura ibihe byigihe.Inzu y'ibanze ikunze kugira ibihe byoroheje bisabwa.

4. Ikigereranyo cy'inguzanyo-ku gaciro (LTV)

Abatanga inguzanyo barashobora gusuzuma igipimo cyinguzanyo-ku gaciro mugihe bagena ibihe byigihe.Ikigereranyo cyo hasi ya LTV gishobora kuvamo igihe gito.

5. Amateka yo Kwishura

Amateka yishyuwe kandi meza mugihe cyambere cyinguzanyo arashobora gutanga umusanzu mugihe cyigihe gikenewe.

Kuyobora amafaranga-Igihe cyigihe: Inama kubaguriza

1. Sobanukirwa na Politiki yo gutanga inguzanyo

Abatanga inguzanyo zitandukanye barashobora kugira ibihe bitandukanye basabwa.Gusobanukirwa na politiki yabashobora gutanga inguzanyo ningirakamaro mugihe utegura amafaranga yo kwishyura.

2. Kunoza inguzanyo

Kuzamura amanota y'inguzanyo birashobora kugira ingaruka nziza kubisabwa.Wibande ku kwishura ku gihe no gukemura ibibazo byose kuri raporo y'inguzanyo.

3. Suzuma uburinganire bwumutungo

Menya neza ko umutungo wawe washimye agaciro, ugatanga umusanzu mwiza w'inguzanyo-ku gaciro.Ibi birashobora kugushikana kubisabwa byoroshye.

4. Gisha inama n'abakozi b'inguzanyo

Ihuze nabashinzwe inguzanyo kugirango ubone ubumenyi bwibisabwa byigihe ukurikije uko ubukungu bwawe bwifashe n'intego zawe.

Umwanzuro: Bimenyeshejwe Gufata ibyemezo muri Cash-Out Refinancing

Mugihe utekereje kubitsa amafaranga, kugendana nubutaka bwibisabwa nibihe byingenzi muburyo bwo gufata ibyemezo.Mugusobanukirwa ibintu bigira ingaruka kumafaranga yatanzwe, gusuzuma ibihe bidasanzwe, no gukorana cyane nababigize umwuga babifitemo inguzanyo, urashobora kwihagararaho kugirango ubone uburambe bwamafaranga.Wibuke ko buri kibazo cyinguzanyo cyihariye, kandi guhuza uburyo bwawe kugirango uhuze ibyifuzo byihariye byabatanga inguzanyo bizagira uruhare mubisubizo byiza murugendo rwawe rwo gutangiza amafaranga.

Itangazo: Iyi ngingo yahinduwe na AAA LENDINGS;amwe mumashusho yakuwe kuri enterineti, umwanya wurubuga ntuhagarariwe kandi ntushobora gusubirwamo nta ruhushya.Hariho ingaruka ku isoko kandi ishoramari rigomba kwitonda.Iyi ngingo ntabwo igizwe ninama zishoramari kugiti cye, kandi ntizita ku ntego zihariye zishoramari, uko ubukungu bwifashe cyangwa ibikenerwa nabakoresha kugiti cyabo.Abakoresha bagomba gusuzuma niba ibitekerezo, ibitekerezo cyangwa imyanzuro ikubiye hano ihuye nibibazo byabo.Shora ukurikije ingaruka zawe.