Muridzi Akachengetwa Imba Ita Highest LTV:
Vatengesi vanoda kuti munhu anenge akwereta azviise mari yepamusoro kune imwe nzvimbo yeimba, sezvo izvi zvinowanzoreva kuti vachashanda zvakaoma kudzivisa kuzarura uye kurasikirwa kwehutano hwavo. Mune mhaka yemuridzi anotora misha, vateresi vanobvumira mari yakakwirira yekukoshesa ratios.
Nhoroondo inoratidza kuti vashandi vanoita zvose zvavanogona kuti vachengetedze mari dzavo dzekugara uye kwete kurasikirwa nemisha yavo.
Pashure pezvose, vanozogara kupi ipapo? LTV inobva ku80% kusvika kunyange 100% inowanikwa nekodzero yekwereti kune vatengi vemunzvimbo yavo yekugara.
Mushure mekuparara kweimba, chirongwa cheLVV chakasimbiswa kwemakore mashomanana, asi chakatanga kusunungura zvakare muna 2015. Zero pasi zvikwereti zvekubhadhara zvaiwanzoitika mune dzimwe nguva. Paiva nemapurogiramu akawanda achibvumira chikwereti chakadzika se 3% kusvika ku5% yemutengo wemusha.
Zvitoro zvekutsvaga Zvikwereti Zvikwereti pazasi yeL LTV:
Apo rinosvika kune vatengesi vepfuma , vatengi vanowanzoda chikwereti chiduku kuti vaone kukoshesa. Mumwe mutengesi haazorasikirwa nedenga pamusoro pemisoro yavo kana vachienda kunotsvaga. Vangadai vakatenga pfuma neyekuda kudzoka kwekutsvaga. Kana iyo mari inotora mari inodonha, mutengesi angangodaro achiita kuti imba iende.
Nokuda kwezvikonzero izvi, vateresi vanoda mari yakawanda kubva kune vanotenga kuti vavakurudzire kuti vasave kunze kwekutsvaga.
Uyewo, kana vachifanira kutora nzvimbo yacho, chikwereti chakaderera kuti chikoshese chiyero chichaita kuti zvive nyore kwavari kutengesa imba uye kuwana mari yavo kumashure.
Ndiri kutaura nezvekugara nemhuri isina mhuri uye mamiriyoni emhuri yemhuri. Zvokutengeserana, semapurani emapuranga , zvine sarudzo yakasiyana-siyana yezvakanyorwa pasi.
Nzvimbo yekuwana mari yepfuma ndiyo inonyanya kukosha kugamuchira mvumo. Nhoroondo yechikwereti yemuridzi (s) inogona kutombofungidzirwa. Zvisinei, mumagariro ekumavirira, chikwereti chavo chinotorwa uye vanogona kubvunzwa kuti vasayine zvikwereti.
Mazororo Edzimba Anotarirwa Zvimwe Sezvokubhadhara Imari:
Kunyange zvazvo muimba yezororo yekutengesa haafaniri kuzvifunga semurimari, vanokweretesa havafungi nezvavo seimba yeimba mumba yavo yekutanga. Kazhinji, nzvimbo yekugara kana yepaimba yekutora nzvimbo inoda kuisa mari yakawanda yekubhadhara kuitira kuti ive nechezasi yeVARV. Imba yekuwana mari inowanzofungidzirwa, sezvo isingatendeseki kune iyo pfuma yemhando.
Mari yechikwata ichienderana neNengozi uye Mubayiro:
Vatengesi vanoda kutenga zvikwereti. Ndizvo zvavanoita mari mubhizinesi ravo. Zvisinei, havakwanisi kufambisa mberi kwezvinhu, nemari inobhadharwa kuti vaitengese zvakare.
Mari yechikwereti ichikoshesa chiyero chinodikanwa pakupa chikwereti chichave chakavakirwa kune chairo chechikwereti nemhando iyo yeimba uye mutengi. Vanoda kuti mutengi asungirire nekutora chikwereti uye agare kunze kwekutsvaga. Asi kana kujekesa kuchidikanwa, pasi pe LTV, zviri nani mukana wekudzorerazve chikwereti chikwereti.
Kunyangwe mune imwe nzira isiri nyore yekugara kwemhuri, mukutonga kwekutonga kunotaura kuti mari kune uyo anokweretesa inogona kukwira pakati pe $ 30,000 ne $ 50,000. Vatengesi havawanzodzokeri mari yose inokweretwa pane chikwereti kubva kutengeswa kweimba yacho. Vanoita kuti vagadzikane, kana zvakanyanya kudaro, kana chikwereti chavo chakavimbiswa naFannie Mae, Freddie Mac, FHA, nezvimwewo.