Ni ubuhe busobanuro bw'Imisanzu Ishishikajwe?
Umusanzu w’ishyaka (IPC) bivuga ubwishyu n’ishyaka rishaka inyungu, cyangwa guhuza ababuranyi, ku bijyanye n’amafaranga yatangijwe n’uwagurijwe, andi mafaranga yo gufunga n’amanota yo kugabanyirizwa.Umusanzu w’ishyaka ni inyungu zisanzwe zinshingano zumuguzi wishyuwe muburyo butaziguye cyangwa butaziguye nundi muntu ufite inyungu zamafaranga, cyangwa ashobora guhindura ingingo nogurisha cyangwa kwimura umutungo wibintu.
Ninde ufatwa nk'umuntu ushimishijwe?
Ugurisha umutungo;Umwubatsi / umuterimbere;Umukozi utimukanwa cyangwa umuhuza;Ishyirahamwe rishobora kungukirwa no kugurisha umutungo ku giciro cyo hejuru.
Uwatanze inguzanyo cyangwa umukoresha wumuguzi ntabwo afatwa nkuwashimishijwe nubucuruzi keretse niba nabo bagurisha umutungo cyangwa undi muntu ubishaka.
Ni izihe ntarengwa ntarengwa zitangwa n’ishyaka?
IPC irenze iyi mipaka ifatwa nkigiciro cyo kugurisha.Igiciro cyo kugurisha umutungo kigomba guhindurwa hasi kugirango kigaragaze umubare wintererano irenze ntarengwa, kandi igipimo kinini cya LTV / CLTV kigomba kubarwa hakoreshejwe igiciro cyagurishijwe cyangwa agaciro kagereranijwe.
| Ubwoko bw'akazi | Ikigereranyo cya LTV / CLTV | IPC ntarengwa |
| Icyicaro gikuru cyangwa inzu ya kabiri | Kurenga 90% | 3% |
| 75.01% - 90% | 6% | |
| 75% cyangwa munsi yayo | 9% | |
| Umutungo w'ishoramari | Ibipimo byose bya CLTV | 2% |
Kurugero
Kugura $ 250,000 hamwe ninguzanyo ya $ 150,000 byaba Inguzanyo yo Guha Agaciro (LTV) ya 60%.
Kuri 60% IPC ntarengwa yaba 9% yigiciro cyubuguzi, $ 22.500, cyangwa amafaranga yo gufunga, ayo ari make.
Niba IPC, yaba iy'umugurisha cyangwa Realtor, yagombaga kuba $ 25.000 inguzanyo irenze imipaka ya IPC.Nkibyo, amadolari arenga 2,500 yaba agurishwa.Igiciro cyubuguzi cyafatwa nk $ 247.500 ($ 250,000- $ 2,500) naho LTV yavuyemo ikaba 60.61%.Ihinduka muri LTV rishobora guhindura amasezerano yinguzanyo mubihe bimwe, ariko ntigomba kugutera kugura ubwishingizi bwinguzanyo.
Igihe cyo kohereza: Mutarama-21-2022