Inguzanyo zabaturage: Nta mbogamizi zinjiza, Nta LLPA ihindurwa, ninyungu zabaguzi bwa mbere

Kubaguzi murugo bashaka kugura ibyaboIbanzeGutura Gusa, Inguzanyo zabaturage zitanga igisubizo cyumvikana kandi gihenze. Niba nta LLPA ihinduye kubigura, nta mbogamizi zinjiza nkizindi gahunda zabafasha, hamwe nuburyo bwo guha ikaze abaguzi ba mbere, iyi gahunda irema inzira nshya yo gutunga amazu. Icyiza muri byose, ihuza neza nubuyobozi bwibigo, byemeza inzira nziza, yubahiriza.

Kuki GuhitamoInguzanyo z'abaturage?

1. Inzu y'ibanze gusa

Izi nguzanyo zagenewe cyane cyane amazu uteganya kubamo, kugirango igisubizo kiboneye kandi gifite umutekano kubaguzi.

2. Nta LLPA Yahinduye Kugura

Inyungu nyamukuru yiyi gahunda ni ukubura ibiciro byinguzanyo byahinduwe (LLPA) kugirango ugure. Abaguzi barashobora kubona inguzanyo zabo batiriwe bahura n’amafaranga yiyongereye cyangwa ikiguzi kinini akenshi kijyanye nigiciro cya LLPA.

3. Nta mbogamizi yinjira nkizindi gahunda zifasha

Bitandukanye na gahunda nyinshi zinguzanyo zishyiraho amafaranga yinjira, Inguzanyo zabaturage ntizibuza kwinjiza. Ibi bifungura umuryango mugari muguzi wabaguzi, utitaye kurwego rwinjiza, bigatuma nyirurugo arushaho kuboneka.

4. Abaguzi Bambere Bambere Murakaza neza

Niba ugura inzu yawe yambere, iyi gahunda yoroshya inzira yujuje ibyangombwa, itanga inzira isobanutse yo gutunga urugo nta mbogamizi zidakenewe.

5. Kurikiza Amabwiriza y'Ikigo

Inguzanyo z'abaturage zubahiriza cyane amahame ya Fannie Mae na Freddie Mac, harimo:

- Ibisubizo bya DU / LPA byo kwandika.

- Ibisabwa bisanzwe byo gusuzuma.

- Inyandiko zinjira n'umutungo nkuko amabwiriza yubuyobozi abiteganya.

Ibi byerekana gukorera mu mucyo, kwiringirwa, no kubahiriza inzira yose yinguzanyo.

Ingingo z'ingenzi

- Ibisabwa byujuje ibyangombwa: 1-igice, PUD, ningo 2-4. Umutungo usibye harimo udukingirizo, amazu yakozwe, nubutaka bwubuhinzi.

- Amahitamo y'inguzanyo: Amahitamo yagenwe aboneka mugihe cyimyaka 30 nimyaka 15, harimo inguzanyo zingana.

- Ibisabwa amanota ya FICO: Harasabwa amanota ntarengwa ya 620, hashingiwe kubisubizo bya AUS (Automatic Underwriting System).

Icyifuzo Cyambere-Abaguzi Bamazu

Kubaguzi ba mbere murugo, gahunda yinguzanyo yabaturage ni amahitamo meza. Kubura kubuza kwinjiza no guhindura LLPA kugura byemeza ko bihendutse, mugihe ibikorwa bihujwe n’ibigo bituma ibyangombwa byoroha kandi byoroshye. Waba uva mubukode cyangwa kugura umutungo wawe wambere, iyi gahunda yagenewe guhuza ibyo ukeneye.

Umwanzuro

Gahunda y'inguzanyo y'abaturage isobanura uburyo bworoshye kandi bworoshye kubaguzi bashaka kugura aho batuye gusa. Hamwe ninyungu nka nta LLPA ihindura kugura, nta mbogamizi yinjiza nkizindi gahunda zabafasha, hamwe no kwemererwa bidasanzwe kubaguzi ba mbere murugo, ikuraho inzitizi zikunze gutuma nyirurugo yumva atagerwaho.

Niba witeguye gutera intambwe ikurikira yo gutunga urugo, Inguzanyo zabaturage zitanga igisubizo cyizewe, cyubahiriza ibigo gikwiranye nibyo ukeneye.