12/05/2023

Gufungura nyirurugo adafite Dilemma yo Kwishura

Inzozi zo gutunga amazu akenshi zizanwa nikibazo cyo kuzigama kugirango wishyure mbere, ariko byagenda bite niba hari uburyo bwo kurenga iyi nzitizi?Injira mwisi ya "No-Down Payment Mortgages," inzira yimari ituma ba nyir'inzu barushaho kuboneka.Muri iki gitabo, tuzacukumbura imiterere yimyenda itishyurwa kandi tunagaragaze bamwe mubatanga inguzanyo nziza batanga ibisubizo bishya.

Gusobanukirwa Inguzanyo Yishyuwe

Inguzanyo gakondo zisaba kwishyurwa mbere, akenshi bikagora abantu cyangwa imiryango kwinjira mumasoko yimiturire.Inguzanyo yo kwishyura mbere, ariko, igabanya uyu mutwaro mu kwemerera abahawe inguzanyo kubona inguzanyo yo munzu badakeneye kwishyurwa mbere.Ubu buryo bukingura imiryango kubantu benshi bifuza kuba bafite amazu, harimo abaguzi bwa mbere nabafite ubwizigame buke.

Ibintu by'ingenzi biranga inguzanyo-yo kwishyura

1. Amahitamo 100% yo gutera inkunga:
   • Incamake: Inguzanyo zo kwishyura zitishyurwa zitanga abahawe inguzanyo amahirwe yo gutanga amafaranga yose yo kugura amazu yabo, bikuraho gukenera kwishyura mbere.
   • Ingaruka: Iyi ngingo ni nziza cyane kubantu bashobora kuba badafite amafaranga menshi yo kuzigama ariko bagashaka gutangira urugendo rwa banyiri amazu.
2. Ibipimo byujuje ibyangombwa:
   • Incamake: Abatanga inguzanyo batanga inguzanyo zitishyurwa akenshi bakoresha ibipimo byujuje ibyangombwa byujuje ibisabwa, urebye ibintu birenze amanota asanzwe yinguzanyo n'ubushobozi bwo kwishyura mbere.
   • Ingaruka: Abaguriza bafite imiterere itandukanye yubukungu, harimo nabafite amateka make yinguzanyo, barashobora gushakisha nyirurugo byoroshye.
3. Gahunda Zishyigikiwe na Guverinoma:
   • Incamake: Bamwe mu batanga inguzanyo nziza batishyuye batitabira gahunda zishyigikiwe na leta, nk'inguzanyo za USDA, inguzanyo za VA, n'inguzanyo za FHA.
   • Ingaruka: Izi gahunda zongerera inyungu zinyongera, nkibiciro byinyungu nkeya nibisabwa byinguzanyo byoroheje, byongera ubushobozi kubaguriza.

Abatanga inguzanyo nziza kuri No-Hasi yo Kwishura Inguzanyo

1. Inguzanyo yihuse:
   • Imbaraga: Inguzanyo yihuse izwiho uburyo bwo gusaba inguzanyo kumurongo kandi itanga gahunda zitandukanye, harimo inguzanyo ya FHA na VA, hamwe nibisabwa mbere cyangwa bitishyurwa mbere.
   • Ibitekerezo: Abaguriza bashima interineti-yorohereza abakoresha hamwe nibikoresho byinshi byuburezi bitangwa ninguzanyo yihuse.
2. Wells Fargo:
   • Imbaraga: Wells Fargo numukinnyi ukomeye mumasoko yinguzanyo kandi atanga amahitamo nkinguzanyo za VA na FHA, zita kubaguriza bashaka ibisubizo bitishyurwa.
   • Ibitekerezo: Wells Fargo umuyoboro mugari wamashami utuma abahawe inguzanyo babona ubufasha nubuyobozi muburyo bwo gutanga inguzanyo.
3. Inguzanyo zo guteza imbere icyaro muri USDA:
   • Imbaraga: USDA itanga inguzanyo yo kwishyura itishyurwa binyuze muri gahunda yayo yo guteza imbere icyaro, yibanda ku cyaro cyujuje ibyangombwa no mu cyaro.
   • Ibitekerezo: Abasaba inguzanyo bagomba kumenya ibipimo byujuje ibisabwa kugira ngo bagabanye inguzanyo za USDA.
4. Ihuriro ry’inguzanyo zirwanira mu mazi:
   • Imbaraga: Navy Federal izobereye mu gukorera abasirikare nimiryango yabo, itanga inguzanyo za VA zidasabwa kwishyura mbere.
   • Ibitekerezo: Ibipimo byabanyamuryango birakurikizwa, kandi abahawe inguzanyo bagomba gusuzuma serivisi zuzuye zitangwa na Navy Federal.

Inyungu n'ibitekerezo kubaguriza

1. Kwinjira ako kanya muri nyiri urugo:
   • Inyungu: Inguzanyo zo kwishyura zitari munsi zitanga inzira yihuse kubantu cyangwa imiryango yo kwinjira muri nyiri urugo bidatinze kuzigama kwishyura mbere.
   • Ibitekerezo: Abagurijwe bagomba kuzirikana ingaruka zigihe kirekire cyamafaranga kandi bakemeza ko kwishyura inguzanyo ya buri kwezi bihuye ningengo yimari yabo.
2. Amahitamo atandukanye yo gutera inkunga:
   • Inyungu: Gahunda zinyuranye zishyigikiwe na leta kandi zisanzwe zitanga inguzanyo zitanga abahawe inguzanyo guhinduka muguhitamo ibyiza bikwiranye nibihe byabo byihariye.
   • Kuzirikana: Gusobanukirwa ingingo zihariye, igipimo cyinyungu, hamwe n’ibipimo byujuje ibisabwa kuri buri gahunda ni ngombwa mu gufata ibyemezo neza.
3. Amafaranga ashobora kuzigama:
   • Inyungu: Inguzanyo zitishyurwa zishobora kuvamo kuzigama amafaranga menshi mugitangira, bigatuma abahawe inguzanyo bagenera amafaranga kubindi bikoresho bijyanye na nyir'inzu.
   • Ibitekerezo: Abaguriza bagomba gusuzuma ingaruka zigihe kirekire, harimo igipimo cyinyungu nibisabwa ubwishingizi bwinguzanyo.

Ibitekerezo ku baguriza

1. Isuzuma ryiteguye ryamafaranga:
   • Icyifuzo: Mbere yo guhitamo inguzanyo yo kwishyura itishyurwa, abahawe inguzanyo bagomba gusuzuma neza uko biteguye imari, harebwa ibintu nkibyinjira byinjira, amateka yinguzanyo, nibizakoreshwa ejo hazaza.
2. Ubushakashatsi no Kugereranya:
   • Icyifuzo: Ubushakashatsi no kugereranya itangwa ryabatanga inguzanyo zitandukanye, harimo igipimo cyinyungu, amafaranga, hamwe nisuzuma ryabakiriya, nibyingenzi mukumenya neza ibikenewe kubantu kugiti cyabo.
3. Gusobanukirwa Ibisabwa Porogaramu:
   • Icyifuzo: Abasaba inguzanyo bagomba kumenyera ibisabwa byihariye bya gahunda yatoranijwe, yaba inguzanyo ya VA, FHA, cyangwa USDA, kugirango barebe ko bujuje ibisabwa byose.

Kuyobora inzira yo gusaba

1. Inzira yo Kwemeza mbere:
   • Ubuyobozi: Kubona ibyemezo byabaterankunga mbere yintambwe yambere.Iha abahawe inguzanyo kumva neza ingengo yimari yabo kandi igashimangira umwanya wabo mubiganiro.
2. Kugisha inama n'abakozi b'inguzanyo:
   • Ubuyobozi: Kwishora hamwe nabakora umwuga wo gutanga inguzanyo, cyane cyane abafite uburambe mubwishyu butishyurwa, birashobora gutanga ubushishozi nubuyobozi mugihe cyo gusaba.
3. Itumanaho risobanutse nabatanga inguzanyo:
   • Ubuyobozi: Gukomeza itumanaho rifunguye hamwe nabatanga inguzanyo ni ngombwa.Abasaba inguzanyo bagomba gushaka ibisobanuro ku ngingo iyo ari yo yose y’inguzanyo cyangwa inzira yo gusaba ishobora kuba idasobanutse.

Umwanzuro: Gufungura imiryango kuri banyiri urugo

Inguzanyo zitishyurwa mbere yerekana uburyo bwo guhindura ba nyir'inzu, bigatuma inzozi zo kugira aho zita urugo zishobora kugerwaho kubantu benshi nimiryango.Mugihe abahawe inguzanyo bashakisha inguzanyo nziza zitanga ibisubizo bishya, ubushakashatsi bunoze, itumanaho risobanutse, hamwe nuburyo bufatika bwo gutegura igenamigambi biba ibintu byingenzi mugutwara uru rugendo rushimishije rugana nyirurugo nta kibazo cyo kwishyura mbere.

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.