20/11/2023

Iyo winjiye mubice byo gutunga amazu, kimwe mubyemezo bikomeye birimo guhitamo ubwoko bwiza bwinguzanyo.Muburyo butabarika, inguzanyo zisanzwe, hamwe na leta, VA, FHA, na USDA inguzanyo nizo zigaragara cyane.Buri imwe muri izo nguzanyo yita kubikenewe bitandukanye, ibibazo byubukungu, hamwe nubuziranenge bujuje ibisabwa, bigatuma guhitamo igice cyingenzi mubikorwa byo kugura amazu.

Mu kiganiro cyabanjirije iki, 'Gusobanukirwa Inguzanyo Zisanzwe Z'inguzanyo Z'inguzanyo za AAA,' twerekanye icyo inguzanyo isanzwe ari cyo maze dusuzuma ibiranga ibyiza byayo.Uyu munsi, twacengeye cyane tugereranya Inguzanyo za VA, FHA, na USDA.Binyuze muri uku kugereranya, tugamije kuguha ibisobanuro byuzuye biranga imiterere yihariye ya buri bwoko bwinguzanyo.Ubu bumenyi buzagufasha guhitamo ibicuruzwa byinguzanyo bikwiranye nibyo ukeneye kugiti cyawe.

 

Inguzanyo zisanzwe: Guhitamo Byamamare

Inguzanyo zisanzwe, zidafite ingwate n'inzego zose za leta, zihagarara nkicyifuzo gikunzwe kubaguzi benshi murugo.Ibiranga ni ibintu byoroshye, bitanga amagambo atandukanye (15, 20, cyangwa 30 ans) nubwoko (ibiciro byagenwe cyangwa bihinduka).Uku guhuza n'imihindagurikire y'ikirere bituma babera inguzanyo zitandukanye, cyane cyane abafite imyirondoro ikomeye kandi bafite ubushobozi bwo kwishyura mbere.

Ariko, ibyo guhinduka bizana ibisabwa bimwe.Inguzanyo zisanzwe zisaba amanota menshi yinguzanyo no kwishyura mbere ugereranije na bagenzi babo bashyigikiwe na leta.Byongeye kandi, niba kwishyura mbere biri munsi ya 20%, abahawe inguzanyo bagomba guhangana nigiciro cyiyongereye cyubwishingizi bwinguzanyo bwigenga (PMI), bakongera ubwishyu buri kwezi.

Inguzanyo ya VA: Gukorera Abakorera
By'umwihariko byateguwe ku basezerewe mu ngabo ndetse n'abakozi ba serivisi bakora, inguzanyo za VA zitanga amwe mu magambo meza ku isoko ry'inguzanyo.Ikintu kigaragara cyane ni ukutishyurwa mbere yo kwishyurwa, ubutabazi bukomeye kubadashoboye kwegeranya amafaranga menshi.Byongeye kandi, kuba PMI idahari bigabanya umutwaro wamafaranga ya buri kwezi, bigatuma nyirurugo arushaho kuboneka.

Nyamara, inguzanyo za VA ntizihari.Harimo amafaranga yinkunga (yasonewe kuri bamwe), kandi hariho ingingo zikomeye zijyanye no kwemererwa kwinguzanyo nubwoko bwimitungo ishobora kugurwa.Izi nguzanyo ni ugushimira umurimo wa gisirikare, zitanga inyungu nyinshi ariko zigarukira mu itsinda runaka ryabatiza inguzanyo.

Inguzanyo ya FHA: Gufungura imiryango kuri benshi
Inguzanyo za FHA, zishyigikiwe n’ubuyobozi bukuru bw’imiturire, zirasaba cyane cyane abagura amazu ku nshuro ya mbere n’abafite amateka y’inguzanyo zitari nziza cyane.Ibiciro byabo byinguzanyo bisabwa hamwe nibishoboka byo kwishyura mbere kugeza kuri 3.5% byugururira umuryango nyirurugo kubantu benshi bari kuruhande.

Nyamara, inguzanyo ya FHA itwara umutwaro wubwishingizi bwa Mortgage Insurance Premium (MIP), ishobora kumara ubuzima bwinguzanyo mugihe ubwishyu bwambere buri munsi ya 10%.Iki giciro gihoraho, hamwe n’inguzanyo ntoya hamwe n’ibipimo by’imitungo ikaze, ni ingingo abahawe inguzanyo bakeneye gupima uburyo izo nguzanyo zitanga.

Inguzanyo ya USDA: Inzira yo muri Amerika yo mucyaro kuri nyiri amazu
Inguzanyo ya USDA yibanda ku mibare itandukanye y'abaturage, igamije gushimangira ba nyir'amazu mu cyaro no mu mijyi imwe n'imwe.Izi nguzanyo ninziza kubantu binjiza amafaranga make kandi aringaniye bashobora guhangana nubwishyu buke, kuko ntanumwe basaba.Byongeye kandi, batanga amafaranga yubwishingizi bwinguzanyo hamwe ninyungu nkeya, kabone niyo batishyuye mbere.

Ifatwa ninguzanyo za USDA riri mubutaka bwabo no kwinjiza amafaranga.Zigenewe uduce tumwe na tumwe twinjiza, zemeza ko inyungu zerekeza ku bakeneye ubufasha mu cyaro.Ingano yumutungo hamwe nigiciro ntarengwa nabyo birakurikizwa, byemeza ko gahunda yibanda kumazu yoroheje, ahendutse.

Guhitamo Inguzanyo Yinguzanyo Kubyo Ukeneye
Urugendo rwo gutunga amazu rwubatswe hamwe nibitekerezo bitandukanye byubukungu.Inguzanyo zisanzwe zitanga ibintu byoroshye ariko bisaba ko ubukungu bwiyongera.Inguzanyo za VA zitanga inyungu zidasanzwe kubanyamuryango ba serivisi bujuje ibisabwa ariko zifite aho zigarukira.Inguzanyo ya FHA igabanya inzitizi yinjira kubanyiri amazu, nibyiza kubambere-cyangwa kubaka inguzanyo.Hagati aho, inguzanyo ya USDA yibanda ku gufasha abaguzi bo mu cyaro uburyo buke.

Ubwanyuma, guhitamo neza inguzanyo gushingiye kumiterere yihariye, ubuzima bwamafaranga, nintego z'igihe kirekire.Abashaka gutunga amazu bagomba gusuzuma inyungu nimbibi za buri cyiciro, bagashaka inama kubajyanama mubyimari kugirango bayobore iyi nzira igoye ariko ihesha ingororano.Intego irasobanutse: kubona inguzanyo idakingura urugi rwinzu nshya gusa ahubwo ihuza neza nishusho nini yubuzima bwimari.

Video:Kuyobora Maze ya Mortgage Amahitamo-Gusobanukirwa Ibisanzwe, VA, FHA, na USDA Inguzanyo

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.