Inguzanyo zingana murugo zo kugabanya imyenda no kuzamura

Gucunga imari nka nyiri urugo birashobora kumva birenze, cyane hamwe nideni ryinyungu nyinshi cyangwa inzozi zo kuzamura inzu kuri horizon. Inguzanyo yo Kuringaniza Urugo, izwi kandi Gufunga-Imperainguzanyo ya kabiri(CES) cyangwa Inguzanyo ya kabiri, itanga igisubizo ukoresheje umutungo wawe murugo kugirango utere inkunga. Ubu bwoko bwinguzanyo bugira akamaro kanini muburyo bwo guhuza inguzanyo no gutera inkunga urugo, bigufasha kuzigama amafaranga no kuzamura umutungo wawe. Reka twibire muburyo CES ishobora guhindura imiterere yimari yawe.

Inguzanyo yinguzanyo yo murugo itanga icyarimwe hamwe naInyungu zihamyeigipimo, yishyuwe mubice byateganijwe buri kwezi. Iyi miterere ituma itunganya neza imyenda. Kurugero, niba urimo guhuza amakarita yinguzanyo hamwe nibiciro biri hejuru ya 20%, inguzanyo yo guhuza imyenda binyuze muri CES irashobora kugabanya inyungu zawe kugera kuri 6-10%, kugabanya kwishyura buri kwezi nibiciro byose. Muguhuza imyenda myinshi muri Mortgage imwe ya kabiri, worohereza ingengo yimari kandi wibanda ku kwishyura byihuse.

Kurenga kugabanura imyenda, gutera inkunga urugo nubundi buryo bukomeye bwo gukoresha inguzanyo ya kabiri ifunze-Impera. Yaba yongeyeho igorofa rishya cyangwa kuzamura sisitemu ya HVAC, CES itanga amafaranga imbere idakora ku nguzanyo yawe y'ibanze. Ishoramari akenshi rizamura agaciro murugo rwawe, bigatuma inguzanyo yinguzanyo yo murugo igenda neza. Kurugero, $ 50.000 remodel yatewe inkunga na Mortgage ya kabiri irashobora kongera umutungo wawe agaciro ka $ 75.000, bigatanga ihumure nigihe kizaza.

Kwemererwa muri CES mubisanzwe bisaba kugenzurwa na dosiye yuzuye - kwishyura umushahara, W-2s, hamwe n amanota yinguzanyo byibuze 620. Nyamara, ubundi buryo bwa doc buragenda bwiyongera, bigatuma abahawe inguzanyo bafite amafaranga adasanzwe batanga impapuro za banki aho. CES yihagararaho yonyine irashimishije cyane, kuko itabangamira inguzanyo yawe isanzwe, bitandukanye ninguzanyo yingurube yakoreshejwe mugihe cyo kugura amazu kugirango yishyure. Hamwe na CES yihagararaho, urashobora kubona inkunga yinguzanyo kubintu bikenewe, nkamafaranga yo kwivuza cyangwa amashuri, mugihe inguzanyo yawe yambere idahwitse.

Mugihe inguzanyo yinguzanyo yo munzu itanga ibiciro biri munsi yinguzanyo zidafite ingwate, ifite umutekano murugo rwawe, bivuze ko kwishyura wabuze bishobora guhomba. Kugira ngo ibi bigabanuke, uguza gusa ibyo ukeneye hanyuma wemeze ko umwenda-winjiza (DTI) ugumye munsi ya 43%. Koresha kubara kumurongo kugirango ugereranye uburinganire bwawe kandi ugereranye abatanga inguzanyo kugirango ubone amagambo meza ya CES.

Muri rusange, Inguzanyo ya kabiri Ifunze-Iherezo ni igikoresho kinini cyinguzanyo zo guhuriza hamwe imyenda no gutera inkunga amazu. Ukoresheje inkunga yinguzanyo, urashobora koroshya imari no gushora imari murugo rwawe. Waba wahisemo inyandiko yuzuye cyangwa ubundi buryo bwo kwandika inyandiko, Inguzanyo ya kabiri irashobora gutanga inzira yo guhungabana mumafaranga mugihe wegereye ubitekereje.