Nta mbogamizi yinjira kandi nta byahinduwe byo kugura: Inguzanyo zabaturage kubaguzi ba mbere

Gutunga amazu birashobora kuba bihendutse kandi bigerwaho hamwe ninguzanyo zabaturage zageneweIbanzeGutura gusa. Iyi gahunda ikuraho inzitizi zisanzwe zitanga nta LLPA ihindura kugura, nta mbogamizi zinjira nkizindi gahunda zabafasha, no guha ikaze abaguzi murugo bwa mbere. Hibandwa ku gutuza no kubahiriza, izo nguzanyo zikurikiza byimazeyo amabwiriza y’ibigo, bigatuma zizewe ku baguzi ndetse n’abatanga inguzanyo.

Inyungu z'ingenzi zaInguzanyo z'abaturage 

1. Inzu y'ibanze gusa

Inguzanyo zabaturage ziteganijwe kubaguzi bateganya gufata inzu nkaho batuye mbere, kubungabunga umutekano no kwibanda kubitunga igihe kirekire.

2. Nta LLPA Yahinduye Kugura

Bitandukanye nuburyo bwinshi bwo gutanga inguzanyo, iyi gahunda ntigaragaza LLPA (Inguzanyo-Urwego rwo Guhindura Ibiciro) yo kugura. Abaguzi barashobora kwishimira ibiciro byapiganwa hamwe nibiciro byoroheje nta mafaranga yihishe.

3. Nta mbogamizi yinjira nkizindi gahunda zifasha

Kimwe mu bintu bigaragara muri iyi gahunda nta mbogamizi yinjira. Bitandukanye nizindi gahunda zifasha zishyiraho amafaranga yinjira, iyi nguzanyo irashobora kugurwa kubaguzi murwego rwose rwinjiza.

4. Abaguzi Bambere Bambere Murakaza neza

Abaguzi ba mbere barashobora gukoresha neza iyi gahunda, hamwe nimpamyabumenyi yoroheje hamwe nimbogamizi nke kubatunze amazu.

5. Kurikiza Amabwiriza y'Ikigo

Izi nguzanyo zubahiriza cyane amabwiriza ya Fannie Mae na Freddie Mac, zubahiriza kubahiriza, kwiringirwa, no kwemeza inguzanyo neza. Kuva kugenzura amafaranga yinjira mugusuzuma imitungo, gahunda ihuza nibipimo byashyizweho.

Ninde ushobora kungukirwa?

- Abaguzi Bambere Bambere: Niba ugura inzu yawe yambere, iyi gahunda itanga ibintu byoroshye nta LLPA ihinduye kandi nta mbogamizi yinjira.

- Subiramo Abaguzi: Nubwo utaba umuguzi wambere, urashobora kwemererwa mugihe urugo ari Inzu yawe Yibanze Yonyine.

- Abakozi n'Abaguriza: Porogaramu itaziguye ikurikiza ibipimo by'ikigo itanga gukorera mu mucyo kandi inzira yoroshye yo gucuruza.

Kwemererwa Umutungo

Inguzanyo zabaturage zishyigikira imitungo itandukanye yujuje ibyangombwa, harimo:

- Amazu yibice 1, PUDs, nibintu 2-4 byumutungo.

- Imitungo itemewe: Condos, amazu yakozwe, nubutaka bwubuhinzi.

Hamwe namanota byibuze ya FICO ya 620 hamwe nuburyo bwo guhatanira inguzanyo zingana (15-na 30-30), iyi gahunda yoroshya inzira yinguzanyo mugihe yemerewe kuzuzwa.

Kuki Guhitamo Inguzanyo Zabaturage?

Inguzanyo zabaturage ninziza kubaguzi bashaka uburyo bworoshye kandi bworoshye. Mugukuraho imipaka yinjira hamwe na LLPA yo kugura, abaguzi bazigama ibiciro mugihe bishimira guhinduka. Abaguzi ba mbere murugo byunguka byumwihariko iyi gahunda yujuje ibyangombwa, ikora inzira isobanutse yo gutunga amazu.

Ku bakora umwuga utimukanwa, izo nguzanyo zitanga igisubizo cyizewe kubakiriya, gihujwe cyane nubuyobozi bwibigo. Porogaramu ituma ibikorwa byoroha, amagambo arushanwa, hamwe ninkunga itangwa kubaguzi benshi.

Umwanzuro

Inguzanyo zabaturage zisenya inzitizi kubanyiri amazu hamwe ninyungu nko kutabuza kwinjiza amafaranga, nta LLPA ihindura kugura, no kwemererwa kugura amazu yambere. Yagenewe gutura mbere gusa, izi nguzanyo zitanga umutekano, guhendwa, nicyizere kubaguzi kumasoko yimiturire yuyu munsi.

Menya uburyo Inguzanyo zabaturage zishobora gutuma inzozi zawe zo gutunga urugo ziba impamo - yoroshye, igerwaho, kandi ikurikiza amabwiriza yikigo.