08/14/2023

I. Kuzigama Amafaranga ku nguzanyo Yambere Yurugo
Ku baguriza bahembwa, kubona inguzanyo yo munzu kunshuro yambere nicyemezo gikomeye cyamafaranga.

Ijambo "kugura inzu ya mbere" mubisanzwe ryerekeza kumuntu ugura umutungo kunshuro yambere, cyangwa udafite umutungo mumyaka itatu ishize.Niba uri uwambere kugura inzu biterwa ahanini namateka yawe yo gutunga umutungo.Hano hari ingingo ushobora gukoresha kugirango umenye uko uhagaze:

- Ntabwo wigeze utunga umutungo uwo ariwo wose: Niba utarigeze ugura umutungo mbere, ufatwa nkuwaguze inzu ya mbere.
- Nta mutungo n'umwe wigeze utunga mu myaka itatu ishize: Nubwo waba ufite umutungo mbere, niba hashize imyaka irenga itatu uhereye kugurisha umutungo, ushobora no gufatwa nkuwaguze inzu ya mbere.
- Wari ufite gusa umutungo hamwe nuwo mwashakanye kera: Niba warubatse kandi ukaba ufite umutungo hamwe nuwo mwashakanye, ariko ubu uri ingaragu kandi ukaba udafite umutungo wenyine wenyine, ushobora gufatwa nkuwaguze inzu ya mbere.

Ingamba zifatika zikurikira zirashobora kugufasha, nkuguriza uhembwa, uzigame amafaranga:
Hitamo ubwoko bukwiye bwinguzanyo: Inguzanyo zatewe inkunga na leta, nkiziva mubuyobozi bukuru bw’imiturire (FHA) n’ibibazo by’abasirikare (VA), akenshi usanga bafite inyungu nkeya kandi ntibisabwa kwishyura mbere.Byongeye kandi, AAA LENDINGS ifite igicuruzwa cyagenewe abakozi bagura amazu - WVOE.
Ukeneye gusa ifishi ya WVOE kugirango ubare amafaranga yemerewe, udakeneye izindi nyandiko zinjiza.Ubu bworoherane butuma WVOE ishimisha cyane.Byongeye kandi, bitandukanye nizindi gahunda, WVOE ntisaba abasaba kugira umutungo munini.Ibisobanuro➡Gahunda ya WVOE

Komeza amanota meza y'inguzanyo: Amanota yawe y'inguzanyo agira ingaruka itaziguye ku nyungu y'inguzanyo.Abasaba amanota menshi yinguzanyo barashobora kubona inyungu ntoya, irashobora kugukiza amafaranga menshi mugihe cyinguzanyo.

Shakisha ushinzwe inguzanyo zumwuga: Impanuro zumwuga zirashobora kugukiza amafaranga mubice bitandukanye.

Koresha serivisi zinguzanyo hamwe na serivisi zubujyanama: Imiryango itandukanye idaharanira inyungu ninzego za leta zitanga inyigisho zinguzanyo kubuntu cyangwa zidahenze na serivisi zubujyanama.Izi serivisi zirashobora kugufasha kumva ibintu bitandukanye byinguzanyo, nkigipimo cyinyungu, amafaranga, amasezerano yinguzanyo, nibindi, bikwemerera gufata ibyemezo byubwenge.
II.Ingingo Zitonderwa mugikorwa cyinguzanyo
Mugihe cyinguzanyo, nanone witondere ingingo zikurikira:

Kora inguzanyo nziza mbere yo kwemererwa: Inguzanyo mbere yo kwemeza igufasha kumva umubare winguzanyo hamwe ninyungu zishoboka mbere, zishobora kugufasha gusobanura neza ingengo yimari yawe no gukora gahunda yo kugura amazu neza.
Witondere igihe cyinguzanyo: Uburebure bwigihe cyinguzanyo bizagira ingaruka kumafaranga yo kwishyura buri kwezi hamwe ninyungu zose zisohoka.Ni ngombwa guhitamo igihe gikwiye cyinguzanyo ukurikije uko ubukungu bwawe bwifashe.
Sobanukirwa n'amagambo yose: Mbere yo gusinya amasezerano yinguzanyo, menya neza gusobanukirwa no kwemera ingingo zose kugirango wirinde ibibazo bitari ngombwa nyuma.

III.Gahunda Zinguzanyo Zikwiye
Ku baguriza bahembwa, usibye gahunda yacu ya WVOE, dufite inguzanyo ya QM yabaturage nayo irashobora gufasha, ntanubwo igarukira kubaguzi ba mbere:

- Ibipimo Byose byahinduwe (Freddie Mac Gusa), ukuyemo imitungo ya 2-4 hamwe na kondomu zometse;
- Nta somo ry'uburezi rikenewe;
- Urashobora kandi kwakira inguzanyo zimwe;
- Nta mbibi zinjira;
- Inzu y'ibanze gusa.
Ibisobanuro➡Inguzanyo ya QM

Muri rusange, kubagurijwe bahembwa umushahara, kubona inguzanyo yo murugo muri Amerika ntibishoboka.Igihe cyose ufashe gahunda iboneye, wumve kandi ukoreshe ibikoresho byose biboneka, urashobora gusohoza neza inzozi zawe zo gutunga amazu.

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.