anomukweretesa dhipatimendi

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Nekutora chikwereti pfungwa idzi dzinozadzika

Kutenga kukuru kunoda simba guru rezvemari uye saka rinofanira kurongwa zvakanaka. Asi dzimwe nguva nzira dzinodikanwa haisipo. Kunyange zvakadaro, chido chepfuma kana chipo chinopiwa. Muzviitiko izvi, munhu anogona kutaura pamusoro pezvinonzi anomukweretesa dhipatimendi kubatsira. Saka iyo ndiyo nheyo inokosha yekukweretesa chikwereti, iyo isina Nokutendeka, kana nemari yakaderera. Uyu mukana mukuru, asi panguva imwechete unopa dzimwe njodzi. Muzviitiko zvakawanda hazvisi tsika dzebhangi kupa mari yakakwana yekutenga yeimba. Kubhadhara mari kunobva kune chikwereti chekambani. Nokudaro, kukoshesa pakati pe60 uye kunyange 80 muzana inonyatsooneka.

Kuenzanisa kwechikwereti

Zvikwereti zvikwereti nguva dzose kutanga kuverenga iyo rubatso ukoshi yezvakavakwa. Iyi mari inogadzira iyo chaiye uye yepamusoro hwaro hwechiyero chemari yechikwereti chinotevera. Muchirevo chechikwereti ichi chakatenga, kukosha kwechikwereti kunomiririra kukosha kwekufungidzirwa. Kutengeswa, kukosha kweimba kunofungidzirwa. Kune mabhangi, mari uye mari inosanganiswa inowanikwa nokuda kwekubhadhara mari. Mari inotora chikwereti inonyatsorongwa kubva kuchitaridzirwa kutengesa kukosha uye imwe premium yehuwandu hwe20 muzana. Iyo Mortgage Bank Act inoronga chibvumirano ichi uye inotsanangura zviyero nezvikamu zvakabatanidzwa. Zvakanyorwa kuti chikwereti hachikwanise kudarika chikamu che60 chikamu. Panguva imwecheteyo, izvi hazvirevi kuti mari inofanira kuitwa ne60 muzana. Pane kudaro, zvinoratidzirwa kuti chikamu chokutanga ndechokubhadharwa nemari yekubhadhara mari. Nhamba yakasara inoda premium yengozi. Somugumisiro wekucherechedza ichi, kutenga kwekubhadhara chikwereti kunodhura zvakadhura kune mutengi.

Munhu wacho anotenga chikwereti

Nhungamiro yakakwana yakagamuchirwa uye yakadzika kumhando iyi yekubhadhara mari haigone kuwanikwa. Iko kuongororwa kunosiyana mune zvimwe zviitiko zvakanyanya kwazvo. Izvi zvinotarisirwa pane zvikwereti zvekwereti uye nevatengi. Kutenga chikwereti naizvozvo zvakabatana zvakananga nekodzero yemunhu, kuenzana uye kubhadhara kunopiwa nemumwe munhu mutengi. Chokutanga uye chakakosha, zvisinei, kutarirwa kuri kubhadhara kune chikwereti chekukwereta. Mari imwe neimwe inokweretesa inogona kubvumirana pamamiriro ezvinhu akasiyana zvichienderana nemamiriro ezvinhu ega. Nokudaro, unyanzvi hwavo hwekutaurirana hunoita basa rinokosha. Clever kuita haafaniri kuderedzwa munyaya iyi. Nekugadzirisa zvishoma kana manzwiro, zvikwereti zvikwereti zvakakosha zvinogona kuwanikwa.

Ane mazano

Nehurukuro yakanaka yekukurukurirana pabhangi, mimwe miitiro yakanaka inogona kuwanikwa. Nokudaro, kukweretesa kwepamusoro kukwidzika kunogona kuitwa. Asiwo kuwedzerwa kweshoko rechikwereti kunonyatsofungidzirwa uye kunobatsira zvikuru kune mumwe munhu mutengi. Izvo zvinofanirwa zvakare kuti chido chekuda chinogona kuderedzwa. Kana chikwereti ichi chakanaka, pane dzimwe nguva kunyange kutenga chikwereti kunogona kupiwa pasina kuenzana kwakakwana. Iyi nyaya inokosha yekubhadhara inotumidzwa seC105 muzana mari yekubhadhara. Zvisinei, inofanira kuonekwa kuti muenzaniso uyu uchava unodhura zvikuru. Iyi premium inokonzerwa nenjodzi yakanyanya yebhangi. Pane kudaro, kukweretesa kwedzimba dzakagadzirwa nezvikwereti (mabanki nemabhangi ekuchengetedza) pane nzvimbo inowanzoitwa 60 muzana. Kuvaka nharaunda, kune rumwe rutivi, kukwereta kusvika ku80 muzana. Chikamu chechipiri chinopinda munyika renhoroondo chinokwanawo kune zvikwereti zvemari. Kusarudzwa kwebhangi rakagadzikana ndiko kunonyanya kugadziriswa kwekutenga chikwereti uye kunotarisa imwe nzira.

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