Nkhani za Mortgage

Chiwongola dzanja chakhala chikukwera kuyambira pomwe Federal Reserve idayamba kukweza kukwera kwamitengo kumayambiriro kwa chaka, kulumphira kumlingo wawo wapamwamba kwambiri pafupifupi zaka zitatu ngakhale chilengezo chakukwera chisanadze.

Lachinayi, Freddie Mac adatulutsa chiwongola dzanja chaposachedwa chazaka 30 pa 4.67%, chokwera chatsopano kuyambira Disembala 2018.

Kumayambiriro kwa chaka chino, chiwerengerochi chinakhalabe pa 3.22%. Izi zikutanthauza kuti ziwongola dzanja zakwera 145 m'gawo lonseli ndipo zafika pafupifupi 5% kwa nthawi yoyamba m'zaka zinayi zaposachedwa.

Pakalipano, Federal Reserve yakweza chiwongoladzanja kamodzi kokha, zomwe ndi zofanana ndi maulendo asanu ndi limodzi a chiwongoladzanja chokwera pamayeso a 25 nthawi imodzi.

Pokhudzidwa ndi kukwera kwa mitengo yamtengo wapatali, a Fed akukonzekera kukweza mitengo pamsonkhano uliwonse m'chaka chino, pamene njira yowopsya ya kukwera mtengo ndi kukwera kwa ngongole pafupifupi pafupifupi anzawo.

Poyang'anizana ndi kukwera kwa chiwongola dzanja chomwe chikuyembekezeka kupitilira, ambiri a inu omwe mukufunsira kubwereketsa angayambe kudikirira kapena kuyembekezera kutsika mpaka chiwongola dzanja chikafika potsika kwambiri.

M'malo mwake, popeza ndalama zonse zobwereketsa zatsika ndi 60% poyerekeza ndi chaka chapitacho, malinga ndi Mortgage Bankers Association.

Monga momwe mabanki akuluakulu akutsatirira kukwera kwa mitengo, mitundu ingapo yazinthu zobwereketsa kuchokera ku AAA Lendings zikupangitsa anthu kusiya kuwonera ndikugwa.

Kubwereketsa kukuchulukirachulukira pamene chiwongola dzanja chikucheperachepera

M'misika yomwe mabanki akuluakulu akupitilira kukwera pafupifupi masiku awiri, ndalama zokwana R100 zomwe zabwerekedwa ndi AAA Lendings sizinatsatire kukwera kwa chiwongola dzanja koma zathetsanso chiwongola dzanja chochepa.

Kuyambira lero, chiwongola dzanja cha AAA Lendings chikadali pamlingo wochepa wa 4.250%. Malinga ndi ziwerengero za AAA Lendings, kuchuluka kwa zofunsira za R-100 zakwera kwambiri chaka chino.

Mutha kudabwa kuti "amene ali woyenerera kufunsiraR100 mankhwala?"

Wantchito

Kaya inur obwerekandi nzika yaku US, wokhala ndi khadi yobiriwira kapena khadi yantchito, kapenam'dziko lachilendo, mutha kusankha mankhwala a WVOE. Nawa maubwino ena:

n Palibe paystub/W-2/kubweza msonkho kofunikira.

n Ndalama zamphatso zololedwa.

n Mdziko lakunja lololedwa.

n nkhokwe za miyezi 12 zowerengedwa pa PI (Osati PITIA wobwereketsa wina wofunikira).

n Ngongole yofikira $2.5M.

n Kulipira kocheperako kumatsika ndi 30%.

FICO yanga ndi 680.

Swodzilemba ntchito

Kaya inur obwerekandi nzika yaku US, wokhala ndi khadi yobiriwira kapena ID, kapena mlendodziko, mutha kusankha Self Prepared P & L mankhwala:

n Palibe siginecha ya CPA yofunika.

n Mdziko lakunja lololedwa.

n Ngongole yofikira $10M.

n nkhokwe za miyezi 12 zowerengedwa pa PI (Osati PITIA wobwereketsa wina wofunikira).

n Palibe kubweza msonkho komwe kumafunikira komanso ndalama zamphatso zololedwa.

n Kulipira kocheperako kumatsika ndi 30%.

FICO yanga ndi 680.

Zikuwoneka kuti kukwera kwa chiwongola dzanja sikuyima pakadali pano ndipo chiwongola dzanja chochepa cha mndandanda wa R100 ukhoza kukhala "Nthawi-zochepa”. Musaphonye mwayi wabwino kwambiri wokwera ndi Zobwereketsa za AAA!