30/11/2023

Ku bijyanye no gutera inkunga urugo, inzira zinguzanyo gakondo ntabwo arinzira yonyine yo gutunga amazu.Inguzanyo zidasanzwe zo munzu zitanga inzira zindi kubantu badashobora kuzuza ibisabwa cyangwa guhitamo ubundi buryo bwinguzanyo zisanzwe.Muri iki gitabo cyuzuye, tuzacengera mubice byinguzanyo zidasanzwe zamazu, dushakishe inzira zihari kandi dutange ubushishozi niba bishobora kuba bikwiye mubihe bidasanzwe.

Gusobanukirwa Inguzanyo Zidasanzwe Zurugo

Ibisobanuro

Inguzanyo zo munzu zidasanzwe zikubiyemo ibicuruzwa bitandukanye bitari inguzanyo gakondo bitandukana nigipimo gisanzwe cyagenwe cyangwa inguzanyo zishobora kugabanywa zitangwa nabaguriza gakondo.Izi nguzanyo zagenewe kwakira abantu bafite ibibazo byihariye byubukungu, amateka yinguzanyo, cyangwa ubwoko bwumutungo udasanzwe.

Ubwoko bw'inguzanyo zidasanzwe murugo

1. Inguzanyo-Gusa Inguzanyo:
   • Igisobanuro: Abagurijwe bishyura inyungu gusa ku nguzanyo mugihe cyagenwe, mubisanzwe imyaka yambere yinguzanyo.
   • Ibikwiye: Nibyiza kubashaka kwishyurwa kwambere kwambere kwambere no guteganya kugurisha cyangwa gutera inkunga mbere yigihe cyo kwishyura gitangiye.
2. FHA 203 (k) Inguzanyo:
   • Igisobanuro: Inguzanyo zubuyobozi bushinzwe imiturire (FHA) zirimo amafaranga yo gutunganya amazu cyangwa gusana.
   • Ibikwiye: Bikwiranye nabaguze amazu bashaka kugura fixer-hejuru no gutera inkunga ikiguzi cyo kuvugurura inguzanyo.
3. Inguzanyo ya USDA:
   • Ibisobanuro: Bishyigikiwe na Minisiteri y’ubuhinzi yo muri Amerika, izo nguzanyo zigamije guteza imbere amazu yo mu cyaro.
   • Ibikwiye: Birakwiye kubantu bagura amazu mubice byicyaro byujuje ibyangombwa biciriritse kandi biciriritse.
4. Inguzanyo y'ikiraro:
   • Igisobanuro: Inguzanyo zigihe gito zikuraho icyuho kiri hagati yo kugura inzu nshya no kugurisha iyubu.
   • Ibikwiye: Ifite akamaro mubihe byinzibacyuho, nko kugurisha inzu imwe no kugura indi.
5. Inguzanyo zidafite ibyangombwa (Inguzanyo zitari QM):
   • Igisobanuro: Inguzanyo zujuje ibisabwa byujuje ibyangombwa bya Mortgage (QM), akenshi bigenewe ibihe bidasanzwe.
   • Ibikwiranye: Bikwiranye nabafite inkomoko idasanzwe yinjiza cyangwa ibihe bidasanzwe byubukungu.

Ibyiza n'ibibi by'inguzanyo zidasanzwe murugo

Ibyiza

1. Guhinduka:
   • Inyungu: Inguzanyo zidasanzwe zamazu zitanga ibintu byoroshye muburyo bwo kwemererwa, bigatuma nyirurugo ashobora kugera kubantu benshi.
2. Ibisubizo byihariye:
   • Inyungu: Izi nguzanyo zirashobora guhuzwa kugirango zihuze ibikenewe byihariye, nko gutera inkunga ivugurura, kugura imitungo yo mu cyaro, cyangwa kwakira amafaranga adasanzwe gakondo.

Ibibi

1. Igiciro kinini:
   • Ingaruka: Inguzanyo zimwe zidasanzwe zishobora kuza hamwe ninyungu nyinshi cyangwa amafaranga menshi, bigatuma ibiciro byinguzanyo byiyongera.
2. Ibintu bishobora guteza ingaruka:
   • Ibibi: Ukurikije ubwoko bwinguzanyo idasanzwe, hashobora kubaho ingaruka nyinshi zijyanye, nko guhindura igipimo cyinyungu cyangwa ibipimo byihariye byujuje ibisabwa.

Inguzanyo idasanzwe yo murugo irakubereye?

Ibitekerezo

1. Imiterere y'amafaranga:
   • Isuzuma: Suzuma uko ubukungu bwawe bwifashe, harimo amafaranga winjiza, amateka y'inguzanyo, n'intego z'igihe kirekire.
2. Ubwoko bwumutungo:
   • Isuzuma: Reba ubwoko bwumutungo uteganya kugura, kuko inguzanyo zimwe zidasanzwe zishobora kuba zikwiranye nubwoko bwimitungo yihariye.
3. Ubworoherane bw'ingaruka:
   • Isuzumabumenyi: Suzuma kwihanganira ingaruka zawe kandi niba wishimiye ihindagurika iryo ari ryo ryose rishobora kuba ku nyungu cyangwa ibiciro bifitanye isano.
4. Impanuro:
   • Icyifuzo: Baza ninzobere mu gutanga inguzanyo kugirango umenye uburyo bwose bwinguzanyo zidasanzwe kandi wakire inama yihariye ukurikije ikibazo cyawe.

Umwanzuro

Inguzanyo zidasanzwe zamazu zifungura imiryango kubafite amazu kubantu badafite aho bahuriye nibisabwa ninguzanyo gakondo.Mugihe izo nguzanyo zitanga ibisubizo byoroshye kandi bikwiye, ni ngombwa gusuzuma neza ibyiza n'ibibi, urebye uko ubukungu bwawe bwifashe, ubwoko bwumutungo, hamwe no kwihanganira ingaruka.Kugisha inama inzobere mu gutanga inguzanyo birashobora gutanga ubushishozi butagereranywa kandi bikagufasha kumenya niba inguzanyo yo munzu idasanzwe ninzira nziza yo kugera kuntego za nyiri urugo.Wibuke, urufunguzo ni ugushaka inguzanyo ijyanye nibyifuzo byawe byihariye kandi igushyira munzira yo gutunga amazu neza.

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.