28/11/2023

Gutangira urugendo rwa banyiri amazu bitera ikibazo gikomeye: Ni ayahe manota y'inguzanyo ukeneye kugura inzu?Kugenda bigoye kumanota yinguzanyo murwego rwo kugura inzu ningirakamaro.Iyi mfashanyigisho yuzuye igamije guhishura ibibazo, itanga ubushishozi ninama zifatika zo kuguha imbaraga mugukurikirana intego za nyiri urugo.

Kurangiza Ibyingenzi by'amanota y'inguzanyo

Amahame y'inguzanyo:

Muri rusange, amanota y'inguzanyo akora nk'ikigereranyo cyerekana umubare w'inguzanyo z'umuntu ku giti cye, gikubiyemo amateka y'inguzanyo n'imyitwarire yabo.Muri Amerika, amanota ya FICO, kuva kuri 300 kugeza 850, ahagarara nkicyitegererezo cyatsinze amanota.

Ingaruka ku Kugura Amazu:

Akamaro k'amanota y'inguzanyo yawe agaragara cyane mugikorwa cyo kwemeza inguzanyo.Abatanga inguzanyo bakoresha aya manota kugirango basuzume ingaruka zijyanye no kuguriza.Amanota menshi yinguzanyo akenshi asobanurwa muburyo bwiza bwinguzanyo, bigira ingaruka kumubare winyungu nuburyo bwo gutanga inguzanyo.

Kuzenguruka amanota y'inguzanyo

Cyiza (800-850):

Abantu bafite inguzanyo nziza cyane mugihe cyinguzanyo nziza hamwe ninyungu.Amateka yinguzanyo yabo arangwa no kuramba, kutagira amakemwa, hamwe nigihe gito cyo kwishyura cyatinze cyangwa gukoresha inguzanyo.

Nibyiza cyane (740-799):

Abafite inguzanyo nziza cyane baracyafite imyanya myiza, bujuje ibyangombwa byinguzanyo hamwe ninyungu zipiganwa.

Nibyiza (670-739):

Amanota meza yinguzanyo asobanura amateka yinguzanyo akomeye, yemerera abahawe inguzanyo muri rusange kubona inguzanyo.Ariko, amagambo ntashobora kuba meza nkayafite amanota menshi.

Imurikagurisha (580-669):

Muburyo bwiza bwinguzanyo, abahawe inguzanyo barashobora guhura nibibazo byinguzanyo.Mugihe kubona inguzanyo birashoboka, amasezerano arashobora kuba make, hamwe ninyungu nyinshi.

Abakene (300-579):

Abantu bafite inguzanyo mbi bahura n'inzitizi zikomeye zo kubona inguzanyo.Abatanga inguzanyo barashobora kubabona nkabatiza inguzanyo nyinshi, bigatuma amagambo meza atoroshye.

Amanota ntarengwa y'inguzanyo kubwoko butandukanye bw'inguzanyo

Inguzanyo zisanzwe:

Ku nguzanyo zisanzwe, hasabwa byibuze amanota 620 yinguzanyo.Ariko, intego yo kubona amanota 740 cyangwa arenga ni byiza kubijyanye n'amagambo meza.

Inguzanyo ya FHA:

Inguzanyo ya FHA yerekana ubwitonzi bwinshi, butuma abahawe inguzanyo bafite amanota yinguzanyo ari munsi ya 500 kugirango babone ibyangombwa.Nyamara, amanota 580 cyangwa arenga arahitamo kwishura make.

Inguzanyo za VA:

Inguzanyo za VA, zagenewe abasezerewe mu ngabo n'abasirikare bakora akazi, akenshi zigaragaza ibyifuzo byinguzanyo byoroshye.Mugihe nta byibuze byemewe, amanota ari hejuru ya 620 muri rusange ni byiza.

Inguzanyo ya USDA:

Inguzanyo ya USDA, igenewe abahawe inguzanyo ziciriritse kandi ziciriritse mu cyaro, mubisanzwe bakeneye amanota y'inguzanyo ya 640 cyangwa arenga.

Kuzamura amanota y'inguzanyo yawe yo kugura urugo

1. Reba Raporo y'inguzanyo:

• Buri gihe ugenzure raporo y'inguzanyo yawe ku makosa.
• Wihutire impaka zose zidahwitse kugirango umenye neza amateka yinguzanyo yawe.

2. Kwishura ku gihe:

• Itoze ingeso yo kwishyura fagitire zose mugihe cyo kumenya amateka meza yo kwishyura.
• Tekereza gushyiraho ubwishyu bwikora kugirango ugabanye ingaruka zamatariki yabuze.

3. Kugabanya umwenda udasanzwe:

• Iyemeze kugabanya ikarita yinguzanyo hamwe nideni rusange.
• Komeza gukoresha inguzanyo munsi ya 30% yinguzanyo yawe.

4. Irinde gufungura imirongo mishya y'inguzanyo:

• Gufungura konti nshya yinguzanyo birashobora kugabanya umwanya muto amanota yinguzanyo.
• Gabanya ibibazo bishya byinguzanyo, cyane cyane hafi yo kugura inzu.

5. Kwishora hamwe numujyanama winguzanyo:

• Nibiba ngombwa, shakisha ubuyobozi kumujyanama winguzanyo kugirango utegure gahunda ihamye yo kunoza.

Umwanzuro

Mu gusoza, amanota yinguzanyo asabwa kugirango agure inzu ashingiye kubintu bitandukanye, harimo ubwoko bwinguzanyo hamwe ninguzanyo yihariye.Mugihe gahunda zimwe zinguzanyo zakira amanota make yinguzanyo, kwifuza amanota menshi byongera cyane ubushobozi bwawe bwo kubona inguzanyo nziza.Gukurikirana buri gihe inguzanyo yawe, gukemura bidatinze ibitagenda neza, no kugira ingeso zubukungu zifite inshingano zingenzi kugirango ugere ku manota yawe y'inguzanyo kandi, bityo, usohoze inzozi zawe zo gutunga amazu.

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.