Kuba nyiri amazu ahendutse: Inguzanyo zabaturage zidafite imbogamizi zinjiza ninyungu zabaguzi bwa mbere

Kugura inzu byoroheje gusa hamwe ninguzanyo zabaturage zagenewe gutura gusa. Iyi gahunda idasanzwe ntabwo itanga LLPA yo kugura,nta musaruroimbogamizi nkizindi gahunda zifasha, kandi zirimo amahirwe kubaguzi ba mbere murugo. Byongeye kandi, abakozi barashobora kungukirwa nubushake bwinyongera, bigatuma bunguka inyungu kubaguzi hamwe nabashinzwe imitungo itimukanwa.

Ibintu by'ingenzi biranga gahunda y'inguzanyo y'abaturage

1. Inzu y'ibanze gusa

Inguzanyo z'abaturage zibanda ku gufasha abaguzi kubona amazu bashaka kubamo, guharanira umutekano ku miryango n'abantu ku giti cyabo.

2. Nta LLPA Yahinduye Kugura

Bitandukanye nibicuruzwa gakondo byinguzanyo, ntamahinduka yo murwego rwo kuguriza (LLPA) yo kugura. Ibi bituma ibiciro bihoraho kandi birushanwe, bizigama abaguzi ibiciro bitari ngombwa.

3. Nta mbogamizi yinjira nkizindi gahunda zifasha

Mugihe gahunda nyinshi zishyiraho imipaka yinjira, Inguzanyo zabaturage ziza nta mbogamizi zinjiza, zitanga uburyo bwagutse bwo gutera inkunga amazu kubaguzi mubyiciro bitandukanye byinjiza.

4. Abaguzi Bambere Murugo Murakaza neza

Inguzanyo zabaturage zita kubaguzi ba mbere murugo nta mbogamizi ziyongereye, byorohereza abaguzi bashya kugera kuntego zabo.

5. Inkunga yinyongera kubakozi

Abakozi bashinzwe imitungo itimukanwa barashobora kungukirwa nubundi buryo bwo gushimangira, gushishikariza ubufatanye no guhemba imbaraga zabo zo gufasha abaguzi kuyobora inzira.

6. Kurikiza Amabwiriza y'Ikigo

Inguzanyo z'abaturage zubahiriza byimazeyo amabwiriza agenga ibigo yashyizweho na Fannie Mae na Freddie Mac. Ibi byemeza guhuzagurika, kubahiriza, no kwizerwa mubushobozi bwinguzanyo, kugenzura amafaranga yinjira, hamwe nibisabwa byo gusuzuma umutungo.

Kuki Guhitamo Inguzanyo Zabaturage?

Inguzanyo zabaturage zikuraho inzitizi zikunze gutuma nyirurugo yumva atagerwaho. Hamwe nibintu bisa nkibibujijwe kwinjiza kandi nta LLPA ihindura kugura, abaguzi barashobora kwishimira guhinduka no kuzigama mugihe cyose cyinguzanyo.

Ku baguzi ba mbere murugo, iyi gahunda yoroshya ibyangombwa byinguzanyo, ikuraho inzitizi ziterwa numubare winjiza ugaragara mubindi bikorwa byunganira. Byongeye kandi, abakozi bungukirwa nubushake bugamije guhemba imbaraga zabo, gushiraho inzira idafite aho ihuriye nimpande zose zirimo.

Ibisabwa nu bwoko bwumutungo

- Igikorwa: Gutura Ibanze Byonyine

- Ubwoko bwumutungo: Amazu yujuje ibyangombwa arimo 1-imwe, PUD, hamwe nuburaro bwa 2-4. Condos, amazu yakozwe, nubutaka bwubuhinzi ntiburimo.

- Amanota ya FICO: Amanota ntarengwa y'inguzanyo ya 620, ukurikije ibyavuye muri AUS.

- Amasezerano y'inguzanyo: imyaka 15 na 30-yinguzanyo yagenwe-yagenwe, harimo amahitamo agenga ibigo byinshi.

Umwanzuro

Niba uri umuguzi wambere cyangwa umukozi ushaka gahunda yizewe, Inguzanyo zabaturage zitanga igisubizo cyiza. Niba nta LLPA ihindura kugura, nta mbogamizi zinjira nkizindi gahunda zabafasha, hamwe no kwibanda kubanza gutura gusa, iyi gahunda yinguzanyo yoroshya kandi yoroshya inzira yo gutunga amazu.

Shakisha ibyiza byinguzanyo zabaturage muri iki gihe hanyuma umenye uburyo iyi gahunda, ihujwe nubuyobozi bwibigo, ishobora kugufasha kugera kuntego zawe zo gutunga amazu byoroshye.