16/8/2023

Gutera inkunga inguzanyo, izwi kandi ku izina rya "kongera gutanga inguzanyo", ni ubwoko bw'inguzanyo aho ba nyir'amazu bashobora gukoresha inguzanyo nshya kugira ngo bishyure inguzanyo bari basanzwe bafite.Abafite amazu muri Amerika bakunze guhitamo gutera inkunga kugirango babone inguzanyo nziza, nk'inyungu nkeya cyangwa uburyo bwo kwishyura bushobora gucungwa.

Gutera inkunga bikorwa muburyo bukurikira:

1. Kugabanuka kw'inyungu: Niba igipimo cyinyungu cyisoko kigabanutse, banyiri amazu barashobora guhitamo gutera inkunga kugirango babone igiciro gishya, kiri hasi, kugabanya kwishyura buri kwezi hamwe ninyungu zose.
2. Guhindura igihe cyinguzanyo: Niba banyiri amazu bashaka kwishyura inguzanyo byihuse cyangwa kugabanya kwishyura buri kwezi, barashobora guhitamo guhindura igihe cyinguzanyo binyuze mumafaranga.Kurugero, guhinduka kuva manda yimyaka 30 yinguzanyo ukageza kumyaka 15, naho ubundi.
3. Kurekura imigabane: Niba agaciro k'urugo kiyongereye, banyiri amazu barashobora gukuramo bimwe muburinganire bwurugo (itandukaniro riri hagati yagaciro k’urugo ninguzanyo isigaye) kugirango babone ibindi bikenerwa byamafaranga, nko kuzamura amazu cyangwa amafaranga yo kwiga, binyuze mu gutera inkunga.

Nigute ushobora kuzigama amafaranga hamwe ninguzanyo zinguzanyo
Muri Amerika, gutera inkunga inguzanyo nuburyo abafite amazu bashobora kuzigama amafaranga muburyo bukurikira:

1. Kugereranya igipimo cyinyungu: Kimwe mubyiza byingenzi byo gutera inkunga ni ubushobozi bwo kubona inyungu nkeya.Niba inyungu zinguzanyo zawe zisanzwe zirenze igipimo cyisoko, noneho gutera inkunga birashobora kuba inzira nziza yo kuzigama amafaranga yinyungu.Ariko, mbere yo gufata umwanzuro, ugomba kubara amafaranga ushobora kuzigama kandi niba aruta ikiguzi cyo gutera inkunga.
2. Guhindura Igihe cyinguzanyo: Mugabanye igihe cyinguzanyo, urashobora kuzigama amafaranga menshi mukwishyura inyungu.Kurugero, niba uhindutse ukava kumyaka 30 ukageza kumyaka 15 yinguzanyo, kwishyura buri kwezi birashobora kwiyongera, ariko inyungu zose wishyura zizagabanuka cyane.
3. Gukuraho Ubwishingizi bw'Inguzanyo Zigenga (PMI): Niba ubwishyu bwawe bwa mbere ku nguzanyo ya mbere butari munsi ya 20%, ushobora kwishyura ubwishingizi bwinguzanyo.Nyamara, iyo inzu yawe imaze kurenga 20%, gutera inkunga birashobora kugufasha gukuraho ubu bwishingizi, bityo ukizigama.
4. Igipimo cy’inyungu gihamye: Niba ufite Inguzanyo zishobora kugabanywa (ARM), kandi ukaba witeze ko inyungu zizamuka, urashobora kwimukira ku nguzanyo yagenwe binyuze mu gutera inkunga, ibi birashobora kugufunga ku gipimo cyo hasi.
5. Guhuriza hamwe imyenda: Niba ufite imyenda yinyungu nyinshi nkimyenda yamakarita yinguzanyo, ushobora gutekereza gukoresha amafaranga avuye munguzanyo kugirango wishyure iyi myenda.Ariko uzirikane ko uku kwimuka kuzahindura imyenda yawe mubwishingizi;niba udashobora kwishyura mugihe, ushobora gutakaza inzu yawe.

AAA LENDINGS ifite ibicuruzwa byihariye bikenerwa mu gutera inkunga:

MURAHO- Bigufi kuri Home Equity Line of Credit, ni ubwoko bwinguzanyo bushigikiwe nuburinganire bwurugo rwawe (itandukaniro riri hagati yagaciro kisoko ryinzu yawe ninguzanyo yawe itishyuwe).A.MURAHOni nkikarita yinguzanyo, iguha umurongo winguzanyo ushobora kuguza nkuko bikenewe, kandi ukeneye kwishyura inyungu kumafaranga nyirizina uguza.

Gufunga Impera ya kabiri (CES)- bizwi kandi nk'inguzanyo ya kabiri cyangwa inguzanyo ingana mu rugo, ni ubwoko bw'inguzanyo aho inzu y'uguriza ikoreshwa nk'ingwate kandi ikaba iya kabiri mbere y'inguzanyo y'umwimerere, cyangwa iyambere.Uwagurijwe yakira inshuro imwe y'amafaranga.Bitandukanye naMURAHO, yemerera abahawe inguzanyo gushushanya amafaranga nkuko bikenewe kugeza kumurongo w'inguzanyo, aCESitanga umubare uteganijwe w'amafaranga ugomba kwishyurwa mugihe cyagenwe ku nyungu yagenwe.

Amategeko & Ibisabwa byo Gutera inkunga
Amategeko n'amabwiriza yo gutera inkunga ningirakamaro cyane kubafite amazu kuko bagena igiciro cyose ninyungu zo gutera inkunga.Icyambere, ugomba kureba no gusobanukirwa igipimo cyinyungu nigipimo cyumwaka ku ijana (APR).APR ikubiyemo kwishyura inyungu nibindi biciro nkamafaranga yo gutangira.

Icya kabiri, menya igihe cyinguzanyo.Inguzanyo zigihe gito zishobora kwishyurwa buri kwezi ariko uzigama byinshi ku nyungu.Ku rundi ruhande, inguzanyo z'igihe kirekire, zizishyurwa buri kwezi ariko ikiguzi cy'inyungu gishobora kuba kinini.Hanyuma, sobanukirwa n'amafaranga yo hejuru, nk'amafaranga yo gusuzuma n'amafaranga yo gutegura inyandiko, kuko aya ashobora gukoreshwa mugihe utunganije.

Ingaruka Z'inguzanyo Zisanzwe
Gusiba ni ikibazo gikomeye kandi ugomba kwirinda niba bishoboka.Niba udashoboye kwishyura inguzanyo yatanzwe, ushobora guhura n'ingaruka zikurikira:

1. Ibyangiritse ku manota y'inguzanyo: Gusiba birashobora kugira ingaruka zikomeye kumanota yawe y'inguzanyo, bigira ingaruka kubisaba inguzanyo.
2. Kwamburwa: Niba ukomeje kutishyura, banki irashobora guhitamo kwambura no kugurisha inzu yawe kugirango yishyure umwenda.
3. Ibibazo byemewe n'amategeko: Urashobora kandi guhura n amategeko kubera kutubahiriza inshingano.

Muri rusange, gutera inkunga inguzanyo birashobora kuzana inyungu zamafaranga kubafite amazu ariko nanone ni ngombwa kumva ingaruka ninshingano zirimo.Kumenya kuzigama amafaranga, gukora ubushakashatsi bwimbitse kubijyanye nibisabwa, no gusobanukirwa n'ingaruka zishobora guterwa no kutishyura ni urufunguzo rwo gufata ibyemezo byiza.

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.