Gufunga-Impera ninguzanyo zingurube: Guhitamo Ihitamo ryiza

Ku bijyanye no gutera inkunga imigabane, banyiri amazu bafite amahitamo menshi yo kugera ku gaciro k'urugo rwabo, hamwe na Gufunga-Imperainguzanyo ya kabiri(CES) n'inguzanyo zingurube zigaragara. Byombi bigwa munsi yumutungo wa kabiri, ariko bikora intego zitandukanye. CES yihagararaho ni byiza kumikoreshereze yigihe kimwe nko gutera inkunga urugo cyangwa inguzanyo zo guhuza imyenda, mugihe inguzanyo yingurube ikoreshwa mugugura kugirango wirinde amafaranga yinyongera. Iyi ngingo isenya itandukaniro ryabo kugirango igufashe guhitamo neza Inguzanyo yo Kuringaniza Urugo kubwintego zawe.

CES yihagararaho wenyine ni Inguzanyo ya kabiri-Ifunze-Inguzanyo ya kabiri itanga amafaranga ateganijwe, yishyuwe mugihe cyagenwe hamwe ninyungu ihamye. Nibyiza kubafite amazu bafite imigabane isanzwe bakeneye amafaranga batabanje gutera inkunga inguzanyo yabo ya mbere. Kurugero, CES irashobora gutera inkunga $ 30.000 yo gusimbuza igisenge, igatanga amafaranga ateganijwe yo gutera inkunga urugo. Ninguzanyo ikomeye yo guhuriza hamwe imyenda, igufasha guhuza imyenda ihanitse muri Mortgage imwe ya kabiri hamwe nibiciro biri munsi ya 10%. Abatanga inguzanyo mubisanzweInyandiko yuzuyekugenzura - imenyekanisha ryimisoro, ibyemezo byinjira, hamwe n amanota yinguzanyo hejuru ya 620 - ariko ubundi buryo bwa doc nkibisobanuro bya banki birahari kubatari gakondo.

Ibinyuranye, inguzanyo yingurube ni Inguzanyo ya kabiri ifatirwa icyarimwe hamwe ninguzanyo yawe yambere, akenshi yubatswe nkamasezerano 80-10-10 (80% inguzanyo ya mbere, 10% yingurube, 10% yishyuwe mbere). Uruhare rwibanze rwarwo ni ugukuraho ubwishingizi bwinguzanyo bwigenga (PMI) mugihe ubwishyu bwawe buri munsi ya 20%. Bitandukanye na CES yihagararaho, piggyback ntabwo yagenewe gutera inkunga nyuma yo kugura ahubwo yorohereza ibiciro byo kugura. Kurugero, munzu 400.000 $, inguzanyo ya $ 40,000 yinguzanyo ikubiyemo igice cyo kwishyura mbere, ikagukiza amafaranga ya PMI.

Guhitamo hagati ya CES yihagararaho hamwe na piggyback hinging kumwanya nintego. Niba ugura inzu kandi ngufi kumafaranga, ingurube irashobora gutuma nyirubwite ahendutse. Niba usanzwe ufite inzu yawe ukaba ushaka inguzanyo ya Home Equity yo guhuza imyenda cyangwa kuvugurura, CES nibyiza. CES yihagararaho yonyine ibika amasezerano yambere yinguzanyo, itanga ihinduka ryuzuye rya doc cyangwa izindi nguzanyo za doc. Nyamara, inguzanyo zingurube zishobora gutwara ibiciro biri hejuru, kuko bishobora guteza akaga abatanga inguzanyo.

Amahitamo yombi akoresha urugo rwawe nkingwate, bityo rero kutubahiriza ingaruka zo kwamburwa. Kugirango uhitemo, suzuma uburinganire bwawe - gukuramo inguzanyo zinguzanyo zagaciro k'urugo rwawe - kandi urebe ko igipimo cya DTI gishyigikira ubwishyu bwiyongera. Gereranya abatanga inguzanyo kugirango ushakishe CES cyangwa amagambo yingurube, hanyuma utekereze kubaza umujyanama wimari.

Ubwanyuma, Inguzanyo ya kabiri Ifunze-Impera iragaragaza gutera inkunga urugo no kuguriza inguzanyo, mugihe inguzanyo zingurube zikwiranye nubuguzi. Mugusobanukirwa ubwoko bwa kabiri bwinguzanyo, urashobora gukoresha inkunga yinguzanyo kugirango uhuze ibyo ukeneye neza.