17/11/2023

Mubuzima, dukunze guhura nibintu bitandukanye bitunguranye bishobora gukenera amafaranga atunguranye.Niba wasanze ukeneye amafaranga kubwimpamvu iyo ari yo yose ariko ukaba wifuza kwirinda gutera inkunga, inguzanyo irashobora kuba igisubizo cyiza cyo kubona amafaranga.Ukoresheje uburinganire bwinzu yawe hanyuma ukuramo igipimo cyinyungu cyinguzanyo yawe ya kabiri uhereye kubwa mbere, urashobora gukoresha imigabane yinzu yawe utagize ingaruka ku nyungu yinguzanyo yawe ya mbere kandi udakeneye inguzanyo.

Inguzanyo ya kabiri ifunze-iherezo ni iki?

A Gufunga-Impera ya kabiriInguzanyo (CES Inguzanyo) ni ubwoko bwinguzanyo ya kabiri igufasha gukoresha umutungo wawe murugo utagize ingaruka ku nyungu zinguzanyo zawe za mbere.Inguzanyo zimwe za kabiri "zifunguye-zirangiye," bivuze ko ushobora gukomeza gukuramo amafaranga kugeza kurenza urugero hanyuma ukongera ukayishyura, bisa n'umurongo w'inguzanyo.Ariko, inguzanyo ya kabiri "ifunze-iherezo" bivuze ko wakiriye amafaranga yinguzanyo yose hamwe kandi ntushobora gukuramo andi mafaranga nyuma yo kubona inguzanyo.

Incamake y'umushinga:
- Ubundi buryo bwo kwinjiza amafaranga.
- Isubiramo ryoroshye.
- Emerera ubwoko bwose bwo guturamo.
- Emerera abahawe inguzanyo gusohora amafaranga badahinduye igipimo cyinyungu zinguzanyo zabo za mbere.
- Inyungu zo guhuriza hamwe imyenda, gusana amazu, nibintu byubuzima butunguranye.

Kuki Hitamo Inguzanyo ya kabiri Ifunze-Iherezo:
1. Amazi Yihuse
Ubu bwoko bwinguzanyo butuma banyiri amazu bashobora kubona byihuse amafaranga menshi.Imikoreshereze yaya mafranga ntagabanywa - urashobora kuyakoresha kugirango wishyure imyenda, gutera inkunga ayandi mashuri, cyangwa gukora ivugurura rikomeye ryinzu utitaye ku nguzanyo zawe bwite cyangwa ubundi buryo.
2. Igipimo cyinyungu gihamye
Niba uhisemo aUrugo Ruringaniza Inguzanyo (HELOC), birashoboka ko uzabona inyungu zinyuranye.Gufunga-Impera ya kabiriInguzanyo zitanga amahitamo yinyungu ihamye, ishobora kuba nziza mugihe ufunguye mugihe ibiciro biri hasi.
3. Ibisabwa by'inguzanyo yo hasi
Dutanga izo nguzanyo ku baguriza bafite amanota ya FICO kugeza kuri 660, hamwe ninguzanyo ntarengwa igera ku $ 550.000 naho ingwate ihwanye na $ 2.500.000.
4. Igipimo kinini cy'inguzanyo-ku gaciro
Dutanga LTV / CLTV ntarengwa ya 75% -90%, hamwe nu mwenda ntarengwa w'umwenda-winjiza (DTI) wa 50%.
5.Nta mafaranga yo gutanga inguzanyo
Ntamafaranga yo gusaba inguzanyo, gusuzuma, kwandika, gutunganya, ubwishingizi bwinguzanyo bwigenga hamwe nandi mafranga yo gufunga abandi
6. Abanyamahanga barashobora gusaba
Gahunda ntabwo igarukira gusa kubanyamerika;abimukira badahoraho hamwe nabanyamahanga bahoraho nabo bemerewe gusaba, mugihe bafite amateka yinguzanyo muri Amerika hamwe nimpushya zo gukora.

Mu gusoza,Gufunga-Impera ya kabiriInguzanyo zitanga ba nyir'inzu uburyo bwiza bwo gukoresha umutungo wabo mu rugo badakeneye gutera inkunga kandi nta guhindura inyungu z’inguzanyo zabo z'ibanze.Ubu bwoko bwinguzanyo bworoha bugaragarira mukwemera kwinjiza amafaranga atandukanye no gutura hamwe nibisabwa kugirango amanota FICO agera kuri 660, atanga inzira yihuse.Igipimo cyacyo cyagenwe hamwe nigipimo kinini cya LTV / CLTV gitanga umutekano wongeyeho ninguzanyo zinguzanyo kubafite amazu.Byongeye kandi, ntibishobora kugera ku benegihugu ba Amerika gusa ahubwo no ku banyamahanga babishoboye badafite umutwaro w’amafaranga y’inguzanyo y’inyongera, bigatuma ihitamo neza mu gucunga neza imyenda, kuzamura amazu, cyangwa ibindi bikenerwa mu bijyanye n’amafaranga.Inguzanyo za AAA zagaragaje umwanya wazo ku isoko ry’inguzanyo zidasanzwe binyuze muri serivisi zumwuga, zitanga inzira ifatika ba nyiri amazu benshi kugirango bagere ku ntego zabo z’imari.

Ibyerekeye Inguzanyo za AAA

Ryashinzwe mu 2007, AAA Inguzanyo yabaye umuyobozi wambere utanga inguzanyo hamwe nimyaka irenga 15 yuburambe.Ibuye ryibanze ritanga serivisi ntagereranywa no kwizerwa, byemeza ko abakiriya bacu banyuzwe cyane.

Inzobere muburyo butandukanye bwibicuruzwa bitari QM-harimoNta Doc Nta nguzanyo, Kwitegura wenyine P&L, WVOE, DSCR, Amatangazo ya Banki, Jumbo, MURAHO, Funga Iherezo rya kabirigahunda-tuyobora mu isoko ryinguzanyo 'Non-QM'.Twumva ingorane zo kubona inguzanyo kandi dufite 'Inguzanyo ya Arsenal' itandukanye kugirango duhangane nibi bibazo.Kwinjira kwambere mumasoko Atari QM byaduhaye ubuhanga budasanzwe.Imbaraga zacu zo gukora umurimo w'ubupayiniya bivuze ko twumva ibyo ukeneye mu buryo butandukanye.Hamwe n'inguzanyo ya AAA, kugera ku ntego zawe zamafaranga biroroshye kandi birashoboka.

Twafashije imiryango igera ku 50.000 gusohoza inzozi zabo zamafaranga, hamwe ninguzanyo yatanzwe irenga miliyari 20 z'amadolari.Kuba duhari cyane ahantu h'ingenzi nka AZ, CA, DC, FL, NV, na TX bidufasha gukora demokarasi yagutse.

Hamwe nabakozi barenga 100 biyeguriye hamwe nitsinda ryandika hamwe nitsinda ryisuzuma, turemeza ko inzira yinguzanyo yoroshye kandi idafite ibibazo.

Video:Gufungura ubwisanzure bwamafaranga: Inyungu zo Guhitamo Inguzanyo ya kabiri Ifunze-Iherezo

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.