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Amakuru yinguzanyo

Gushira ahabona ikibazo: Ni ikihe gipimo cyiza cya Mortgage cyiza?

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15/11/2023

Iyo utangiye urugendo rwo gutunga amazu cyangwa gutera inkunga, kimwe mubibazo bikomeye bigaragara ni, "Ni ikihe gipimo cyiza cy’inguzanyo cyagenwe?"Iyi mfashanyigisho yuzuye igamije kwerekana igitekerezo cy’ibiciro by’inguzanyo byagenwe, gucukumbura ibintu bigira ingaruka ku cyemezo cyabo, no gutanga ubushishozi bugufasha kugendana n’imiterere y’ibiciro by’inguzanyo.

Ni ikihe gipimo cyiza cyo kugurizanya inguzanyo?

Gusobanukirwa Igipimo Cy'inguzanyo Ihamye

Ibisobanuro no Guhagarara

Igipimo cy’inguzanyo cyagenwe bivuga igipimo cyinyungu gikomeza guhoraho mugihe cyinguzanyo.Bitandukanye ninguzanyo zishobora kugabanywa (ARMs), aho ibiciro bishobora guhinduka, ibiciro byagenwe bitanga ituze hamwe nibiteganijwe mukwishyura buri kwezi.Ibi bituma bahitamo gukundwa mubaguzi murugo bashaka ibyemezo byimari kandi byacungwa.

Ibintu bigira ingaruka ku biciro byagenwe

  1. Imiterere yubukungu: Muri rusange ikirere cyubukungu, harimo igipimo cy’ifaranga n’urwego rw’akazi, birashobora kugira ingaruka ku gipimo cy’inguzanyo cyagenwe.Mugihe cyiterambere ryubukungu, ibiciro birashobora kuzamuka, mugihe ubukungu bwifashe nabi bishobora kugabanuka.
  2. Inguzanyo: Umuntu ku giti cye afite uruhare runini mu kugena igipimo cy’inyungu gihabwa uwagurijwe.Abafite amanota menshi yinguzanyo bakwije ibisabwa kubiciro byiza.
  3. Imigendekere yisoko: Igipimo cyinguzanyo ziterwa nisoko ryagutse ryisoko, harimo ningendo ku isoko ryinguzanyo.Guhindura umusaruro ku nguzanyo za leta birashobora kugira ingaruka zikomeye ku gipimo cy’inguzanyo cyagenwe.
  4. Igihe cy'inguzanyo: Igihe cy'inguzanyo, nk'imyaka 15, 20, cyangwa 30, gishobora kugira ingaruka ku nyungu.Mubisanzwe, inguzanyo zigihe gito zishobora kugira ibiciro biri hasi, ariko kwishyura buri kwezi birashobora kuba byinshi.

Ni ikihe gipimo cyiza cyo kugurizanya inguzanyo?

Gushakisha Igipimo Cyiza Cyinguzanyo: Ingamba zingenzi

1. Ubushakashatsi no Kugereranya

Kora ubushakashatsi bunoze kugirango wumve ibiciro byinguzanyo byiganjemo isoko.Koresha ibikoresho byo kumurongo, ubaze inama nabaguriza, kandi ugereranye ibiciro mubigo bitandukanye byimari.

2. Kunoza amanota y'inguzanyo

Kuzamura amanota yawe yinguzanyo birashobora gufungura imiryango kubiciro byiza byinguzanyo.Shyira imbere ubwishyu ku gihe, gabanya imyenda isigaye, kandi ukemure ibitagenda neza muri raporo y'inguzanyo.

3. Suzuma amasezerano y'inguzanyo

Reba ubucuruzi hagati yinguzanyo zitandukanye.Mugihe amagambo magufi arashobora gutanga ibiciro biri hasi, amagambo maremare atanga uburyo bwagutse bwo kwishyura.Hitamo ijambo rihuza intego zawe zamafaranga.

4. Shakisha uburyo bwo gutanga inguzanyo

Ihuze nabaguriza batandukanye kugirango umenye igipimo cyinguzanyo gitanzwe batanga.Abatanga inguzanyo zitandukanye barashobora kugira igipimo cyihariye cyihariye hamwe namagambo, bikwemerera guhitamo inzira ijyanye nibyo ukunda.

Ni ikihe gipimo cyiza cyo kugurizanya inguzanyo?

Kurandura Igitekerezo cya "Ibyiza" Igipimo cyinguzanyo

1. Kamere yihariye

Igitekerezo cy "igipimo cyiza" cyagenwe cyagenwe cyihariye.Ibishobora kuba byiza kubaguriza umwe ntibishobora kuba bimwe kubindi.Reba uko ubukungu bwawe bwifashe, kwihanganira ingaruka, n'intego z'igihe kirekire.

2. Ibipimo-Gufunga Ibitekerezo

Igipimo cy'inguzanyo kirashobora guhinduka buri munsi.Mugihe ubonye igipimo gihuye nintego zawe, tekereza kugifunga. Gufunga ibiciro bitanga uburinzi kubishobora kwiyongera mbere yo gufunga.

3. Igiciro cyose

Aho kwibanda gusa ku nyungu, suzuma igiciro cyose cyinguzanyo.Ibi bikubiyemo amafaranga, amafaranga yo gufunga, nibindi byose byongeweho bijyanye ninguzanyo.Igipimo cyinyungu ntoya ntigishobora guhwanye no kugabanya ibiciro rusange.

Umwanzuro: Kugenda mubice byinguzanyo zingana

Mugushakisha igipimo cyiza cyinguzanyo cyagenwe, ni ngombwa kwegera icyemezo hamwe nubushakashatsi, ubumenyi bwimari, no gusobanukirwa neza nibihe bidasanzwe.Igipimo cy’inguzanyo gihamye gitanga ituze kandi giteganijwe, bigatuma bahitamo neza kubaguzi benshi.Ukoresheje ingamba zagaragajwe kandi ukemera imiterere yihariye yicyemezo, urashobora kugendana nu gipimo cy’ibiciro by’inguzanyo byagenwe ufite ikizere, amaherezo ukabona igipimo gihuza neza na nyir'inzu cyangwa ibyifuzo byo gutera inkunga.

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.

Igihe cyo kohereza: Ugushyingo-15-2023