Tanthauzo lanji la Chiwongola dzanja cha Chidwi ndi chiyani?
Interested Party Contribution (IPC) imatanthawuza kulipira kwa Ochita Chidwi, kapena kuphatikiza maphwando, ku chindapusa cha Wobwereketsa, ndalama zina zotsekera ndi malo ochotsera.Zopereka zachipani zomwe zikuchita chidwi ndi ndalama zomwe nthawi zambiri zimakhala za wogula malo omwe amalipidwa mwachindunji kapena mwanjira ina ndi munthu wina yemwe ali ndi chidwi ndi zachuma, kapena angakhudze zomwe akufuna ndikugulitsa kapena kusamutsa katunduyo.
Ndi ndani amene amaonedwa kuti ali ndi chidwi?
Wogulitsa katundu;Womanga / wopanga;Wogulitsa nyumba kapena broker;Wothandizana nawo yemwe angapindule ndi kugulitsa malowo pamtengo wokwera kwambiri.
Wobwereketsa kapena owalemba ntchito wogula samatengedwa ngati wochita chidwi ndi malondawo pokhapokha ngati akuchitanso ngati wogulitsa katundu kapena gulu lina.
Kodi malire a zopereka za omwe ali ndi chidwi ndi otani?
Ma IPC omwe amapyola malirewa amatengedwa ngati chilolezo chogulitsa.Mtengo wa malonda a malowo uyenera kusinthidwa pansi kuti uwonetse kuchuluka kwa zopereka zomwe zimapitilira kuchuluka kwake, ndipo kuchuluka kwa LTV/CLTV kokwanira kuwerengedwenso pogwiritsa ntchito mtengo wotsitsidwa kapena mtengo woyezedwa.
| Mtundu wa Occupancy | Chiwerengero cha LTV/CLTV | Mtengo wapatali wa magawo IPC |
| Nyumba yayikulu kapena nyumba yachiwiri | Kuposa 90% | 3% |
| 75.01% - 90% | 6% | |
| 75% kapena kuchepera | 9% | |
| Investment katundu | Magawo onse a CLTV | 2% |
Mwachitsanzo
Kugula $250,000 ndi Ngongole ya $150,000 kungakhale Kubwereketsa kwa Mtengo Wamtengo Wapatali (LTV) wa 60%.
Pa 60% IPC yayikulu ingakhale 9% yamtengo wogula, $22,500, kapena ndalama zotsekera, zilizonse zochepa.
Ngati IPC, kaya yochokera kwa wogulitsa kapena Realtor, ikuyenera kukhala $25,000 ngongoleyo ikadutsa malire a IPC.Mwakutero, $2,500 yochulukirapo ingakhale chilolezo chogulitsa.Mtengo wogula ungatengedwe ngati $247,500 ($250,000-$2,500) ndipo zotsatira za LTV zidzakhala 60.61%.Kusintha kumeneku kwa LTV kumatha kukhudza ngongole nthawi zina, koma kusakupangitseni kugula inshuwaransi yanyumba.
Nthawi yotumiza: Jan-21-2022