Kugendana na Mortgage Ahantu nyaburanga: Kuvumbura Abagurijwe Hejuru
Mwisi yisi igoye yo gutanga inguzanyo, kumenya abatanga isoko ryambere ryambere ni intambwe yingenzi kubakoresha bashaka abafatanyabikorwa bizewe.Aba batanga inguzanyo bafite uruhare runini mugutanga ibicuruzwa byinguzanyo kubiciro byapiganwa, gushiraho imiterere yabakiriya nabakiriya babo.Iyi mfashanyigisho yuzuye iragaragaza ibyingenzi biranga abashoramari batanga ibicuruzwa byinshi, ibipimo ngenderwaho kugirango bashimwe, kandi bitanga ubushishozi kubakoresha bagamije guhuza nibyiza muruganda.
Akamaro k'abatanga inguzanyo nyinshi
Abatanga inguzanyo zo ku rwego rwo hejuru baritandukanya binyuze mu guhuza ibintu byumvikana nababiguriza hamwe nabaguriza.Aba batanga inguzanyo bazwiho ubwitange bwo kuba indashyikirwa, ntibatanga ibiciro byapiganwa gusa ahubwo banatanga uburambe kandi bunoze bwo gutanga inguzanyo.
Ibiranga urwego rwo hejuru rutanga inguzanyo
1. Igipimo cy'inguzanyo zipiganwa
Intandaro yo gutanga amanota menshi yo gutanga inguzanyo nubushobozi bwabo bwo gutanga igipimo cyinguzanyo zipiganwa.Aba batanga inguzanyo basobanukiwe n'akamaro ko gutanga ibiciro bikurura abahuza n'abaguriza, bibafasha gukomeza guhatanira isoko ryinguzanyo zigenda zitera imbere.
2. Ibicuruzwa bitandukanye
Guhindagurika mubicuruzwa bitangwa nibindi bimenyetso biranga urwego rwo hejuru rutanga inguzanyo.Barenga ibicuruzwa bisanzwe byinguzanyo, batanga uburyo butandukanye bwamahitamo nkinguzanyo zagenwe zingana, inguzanyo zishobora kugabanywa, inguzanyo ya jumbo, nibicuruzwa byihariye nkinguzanyo zidafite ibyangombwa (non-QM).Iri tandukaniro ryemerera abakora umwuga wo guhuza abakiriya benshi.
3. Gutunganya neza Inguzanyo
Gukora neza mugutunganya inguzanyo nikintu cyingenzi gitandukanya.Abatanga inguzanyo zo hejuru barashyira imbere gahunda yo kwemeza no gukora neza.Ibihe byihuta ntabwo byungura abunzi mugukorera abakiriya babo bidatinze ahubwo binagira uruhare muburambe bwiza bwo gutanga inguzanyo.
4. Imiterere y'amafaranga asobanutse
Gukorera mu mucyo ni ngombwa mu gushiraho ikizere.Abatanga inguzanyo nyinshi ku isoko bazwiho itumanaho ryumvikana ku bijyanye n'amafaranga ajyanye no kugurisha inguzanyo.Uku gukorera mu mucyo guha imbaraga abahuza guha abakiriya gusobanukirwa byimazeyo ibijyanye nubukungu bwinguzanyo zabo.
5. Itumanaho ryiza ninkunga
Itumanaho ningenzi mubucuti bwabatanga inguzanyo.Abatanga inguzanyo nyinshi-bashyira imbere itumanaho ryiza kandi bagatanga inkunga yihariye kubakoresha mugihe cyo gutanga inguzanyo.Uru rwego rwinkunga rutezimbere ubufatanye kandi butanga umusaruro.
Ibipimo byo gushimwa: Niki gitandukanya abatanga inguzanyo
Ibintu byinshi bigira uruhare mugushimwa nabatanga inguzanyo nyinshi:
1. Ibitekerezo byiza bya Broker n'ibitekerezo
Inararibonye nubuhamya bwabakozi bafatanije naba nguzanyo bafite uruhare runini.Ibitekerezo byiza byatanzwe nababigaragaza byerekana ubushobozi bwabatanga inguzanyo kubiteganijwe no gusohoza amasezerano.
2. Kuba indashyikirwa bihoraho mugihe runaka
Abatanga inguzanyo zo hejuru baragaragaza indashyikirwa mugihe kinini.Imikorere yabo nubwitange mugutanga serivise nziza iramba, ibihesha icyubahiro nkabafatanyabikorwa bizewe mubikorwa byinguzanyo.
3. Guhuza n'imihindagurikire y'isoko
Guhuza n'imihindagurikire y'isoko ni ngombwa.Abatanga inguzanyo bakomeza imbere yimikorere yinganda, impinduka zubuyobozi, hamwe nubukungu bwerekana uburyo bwo gutekereza-bwumvikane bwumvikanisha nabakoresha inguzanyo.
4. Kumenyekanisha Inganda n'ibihembo
Kumenyekana mu nganda zishingiye ku nguzanyo binyuze mu bihembo no gushimirwa ni gihamya yo gutanga inguzanyo.Abatanga inguzanyo zo hejuru cyane bakira ishimwe kubwintererano zabo nibikorwa bagezeho.
Ubushishozi kubakoresha umwuga wo hejuru-Abatanga inguzanyo
Kubashoramari bashaka guhuza nabatanga inguzanyo nziza, ubushishozi bukurikira ni ubw'agaciro:
1. Kora ubushakashatsi bwimbitse
Abakora umwuga bagomba gushora igihe mubushakashatsi bunoze kugirango bamenye abatanga inguzanyo nyinshi.Shakisha itangwa ryabatanga inguzanyo, soma ubuhamya bwabakozi, kandi usuzume urutonde rwinganda kugirango ufate ibyemezo byuzuye.
2. Umuyoboro kandi ushake ibyifuzo
Guhuriza hamwe mumuryango winguzanyo byemerera abahuza gushaka ibyifuzo murungano.Ubushishozi bwabandi bahuza babonye ubufatanye nabatanga inguzanyo zo hejuru barashobora kuba ingirakamaro.
3. Jya mu biganiro bitaziguye
Kwishora mubiganiro bitaziguye n'abashobora gutanga inguzanyo ni ngombwa.Abakora umwuga bagomba gukoresha ibi biganiro kugirango babaze ibiciro, itangwa ryibicuruzwa, nuburyo rusange bwo gushyigikira umubano.
4. Tekereza ibihe byikigereranyo nubufatanye buto
Gutangiza ibihe byikigereranyo cyangwa ubufatanye buciriritse hamwe nabatanze inguzanyo nuburyo bwiza.Ubunararibonye bw'amaboko butuma abakora umwuga wo gusuzuma guhuza no gukora neza mbere yo kwiyemeza ubufatanye burambye.
Umwanzuro
Kugenda ahantu nyaburanga harimo kumenya no gufatanya nabatanga inguzanyo nyinshi.Aba batanga inguzanyo bahagaze neza kubyo biyemeje kuba indashyikirwa, igipimo cyo gupiganwa, hamwe n'inkunga yuzuye kubunzi.Aka gatabo karashimangira ibintu by'ingenzi bisobanura abatanga inguzanyo ku rwego rwo hejuru, ibipimo ngenderwaho kugira ngo bashimwe, kandi bitanga ubushishozi bufatika ku bakora umwuga ugamije kugirana ubufatanye bwiza mu isi ifite imbaraga zo gutanga inguzanyo.
Igihe cyo kohereza: Ugushyingo-18-2023