12/05/2023

Wigeze ubona urujijo n'ijambo “MURAHO”Kandi wibajije uburyo byakugirira akamaro?Cyangwa watsitaye kumagambo yinyongera nka "Nta gihano cyishyuwe mbere" na "Igiciro gito cyo gufunga" ukibaza uburyo bishobora kuba byiza mugihe cyo gutanga inguzanyo?Igihe kirageze cyo gukuramo aya magambo!

HELOC ni iki

MURAHO, impfunyapfunyo ya Home Equity Line of Credit, ni ubwoko bwinguzanyo ya kabiri yemerera ba nyiri amazu kuguza amafaranga kuburinganire bwinzu yabo.Inzu y'urugo rwawe ibarwa mugukuramo inguzanyo zose cyangwa inguzanyo zisanzwe kumasoko y'urugo rwawe.HELOCs ikoreshwa kenshi mugukoresha amafaranga menshi nko kunoza urugo, amashuri ya kaminuza, cyangwa no kwishyura umwenda munini.

HELOCs ikora bimwe nkikarita yinguzanyo, aho ufite igipimo cyinguzanyo (ukurikije inzu yawe) kandi ushobora kuguza kugeza kuri iyo mipaka mugihe cyo "gushushanya" - akenshi imyaka icumi.Gukurikira ibi, igihe cyo kwishyura gitangira, mubisanzwe imyaka cumi n'itanu kugeza kuri makumyabiri.

Nta gihano cyishyuwe mbere

Igihano cyishyuwe mbere, kizwi kandi nk'igihano cyo kwishyura mbere, ni ingingo mu masezerano y'inguzanyo ivuga ko uwagurijwe azishyurwa amafaranga aramutse yishyuye inguzanyo mbere y'igihe runaka.Abatanga inguzanyo bakoresha ibihano byo kwishyura mbere yo kwirinda igihombo cyinyungu zaba zishyuwe mubuzima bwinguzanyo.

Kimwe mu bintu bituma aMURAHOndetse nibyiza cyane ni "Nta gihano cyishyuwe mbere".Iyi ngingo isobanura gusa ko ushobora kwishyura amafaranga asigayemo inguzanyo ya HELOC mbere yigihe cyawe nta gihano cyinyongera cyamafaranga.Ibi nibyiza cyane mugihe ufite amafaranga atunguranye kandi ukaba ushaka kugabanya inguzanyo yawe no kuzigama inyungu zizaza.

Igiciro gito cyo gufunga

Ibiciro byo gufunga ni amafaranga atandukanye hamwe nogusohoka byishyurwa mugihe cyo kurangiza kugurisha imitungo itimukanwa mugihe uburenganzira bwumutungo bwimuwe kubagurisha kubigura.Mubisanzwe bari hagati ya 2% na 5% yikiguzi cyumutungo ariko birashobora gutandukana ukurikije aho umutungo uherereye nubwoko bwinguzanyo.

Ku bijyanye n'inguzanyo cyangwa inguzanyo, ibiciro byo gufunga birashobora rimwe na rimwe gutungurwa bidashimishije.Aya ni amafaranga hejuru yinguzanyo isanzwe ijyanye no gusuzuma, inkomoko, cyangwa amafaranga yemewe, ashobora rwose kwiyongera.Ni iki gituma ibyacuMURAHOndetse birashimishije cyane ni ibyiringiro byo Gufunga Bike.Serivise yo gufunga Umutwe na Escrow Amafaranga $ 370- $ 650 (gufunga hamwe na Sosiyete yitiriwe igomba kugenwa na AAA LENDINGS).

Ibintu ugomba kwibuka

Mugihe ibyiza byaMURAHO, Nta bihano byishyuwe mbere, hamwe nigiciro gito cyo gufunga biragaragara, birakwiye ko tumenya ko HELOCs izanye ibyago byabo.Kuberako urugo rwawe rukora ingwate, kunanirwa kwishyura inguzanyo birashobora gutakaza inzu yawe.Ni ngombwa kandi gusobanukirwa inyungu zinyuranye zijyanye na HELOCs.Ni ngombwa rero gusuzuma iyi mitego ishobora kuba hamwe ninyungu mbere yo gufata icyemezo cyo kumenya niba HELOC aribwo buryo bwiza kuri wewe.

Mu gusoza, ukoresheje aMURAHObirashobora kuba inzira nziza yo gushakisha umutungo murugo rwawe kumafaranga menshi.Ibiranga nka Nta bihano byishyurwa bitanga guhinduka muri gahunda yawe yo kwishyura, kandi Amafaranga yo gufunga make agabanya umwenda wawe muri rusange.Nyamara, burigihe nibyiza gusobanukirwa neza no gutekereza kubijyanye ninguzanyo iyo ari yo yose mbere yuko usinya kumurongo utudomo.

Ibyerekeye Inguzanyo za AAA

Ryashinzwe mu 2007, AAA Inguzanyo yabaye umuyobozi wambere utanga inguzanyo hamwe nimyaka irenga 15 yuburambe.Ibuye ryibanze ritanga serivisi ntagereranywa no kwizerwa, byemeza ko abakiriya bacu banyuzwe cyane.

Inzobere muburyo butandukanye bwibicuruzwa bitari QM-harimoNta Doc Nta nguzanyo, Kwitegura wenyine P&L, WVOE, DSCR, Amatangazo ya Banki, Jumbo, MURAHO, Funga Iherezo rya kabirigahunda-tuyobora mu isoko ryinguzanyo 'Non-QM'.Twumva ingorane zo kubona inguzanyo kandi dufite 'Inguzanyo ya Arsenal' itandukanye kugirango duhangane nibi bibazo.Kwinjira kwambere mumasoko Atari QM byaduhaye ubuhanga budasanzwe.Imbaraga zacu zo gukora umurimo w'ubupayiniya bivuze ko twumva ibyo ukeneye mu buryo butandukanye.Hamwe n'inguzanyo ya AAA, kugera ku ntego zawe zamafaranga biroroshye kandi birashoboka.

Twafashije imiryango igera ku 50.000 gusohoza inzozi zabo zamafaranga, hamwe ninguzanyo yatanzwe irenga miliyari 20 z'amadolari.Kuba duhari cyane ahantu h'ingenzi nka AZ, CA, DC, FL, NV, na TX bidufasha gukora demokarasi yagutse.

Hamwe nabakozi barenga 100 biyeguriye hamwe nitsinda ryandika hamwe nitsinda ryisuzuma, turemeza ko inzira yinguzanyo yoroshye kandi idafite ibibazo.

Video:MURAHO - Gusubiza Ibibazo byawe

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.