10/18/2023

Mukamaganizira zogwiritsira ntchito mortgage broker kuti akuthandizeni kupeza ngongole yabwino kwambiri yanyumba, ndizachilengedwe kudabwa momwe amalipidwa.Malipiro a mortgage broker amatha kusiyana, ndipo kumvetsetsa momwe akatswiriwa amalipidwa ndikofunikira kwa onse obwereketsa ndi ma broker.Muupangiri watsatanetsatanewu, tiwona zinthu zomwe zimakhudza chipukuta misozi ndikuyankha funso: Kodi ma broker amalipidwa zingati?

Zoyambira Zolipirira Mortgage Broker

Obwereketsa nyumba amakhala ngati mkhalapakati pakati pa obwereketsa ndi obwereketsa, kuthandiza obwereketsa kupeza ngongole zoyenera zanyumba.Amapeza ndalama zawo kudzera m'njira zosiyanasiyana zolipirira, kuphatikiza:

1. Malipiro Operekedwa ndi Wobwereketsa

Muchitsanzo ichi, wobwereketsa amapereka ndalama kwa wobwereketsa nyumba.Komitiyi nthawi zambiri imakhala gawo la ngongoleyo, nthawi zambiri pafupifupi 1% mpaka 2% ya mtengo wonse wangongole.Obwereketsa samalipira broker mwachindunji muzochitika izi.

2. Malipiro Obwereka

Obwereketsa amatha kusankha kulipira broker wanyumba mwachindunji chifukwa cha ntchito zawo.Malipirowa akhoza kukhala chindapusa chochepa kapena peresenti ya ngongoleyo.Ndikofunikira kukambirana za momwe amalipira ndi broker wanu patsogolo.

3. Yield Spread Premium (YSP)

YSP ndi mtundu wa chipukuta misozi pomwe wobwereketsa amalipira wobwereketsa ndalama kuti apeze ngongole yokhala ndi chiwongola dzanja chokwera kuposa chiwongola dzanja chotsika kwambiri chomwe wobwereka amayenera kulandira.Ndalamayi ikhoza kukhala gwero lina la ndalama kwa broker.

Zinthu Zomwe Zimakhudza Kulipiridwa kwa Ma Broker a Mortgage

Zinthu zingapo zimakhudza kuchuluka kwa ndalama zomwe broker wanyumba amalipidwa:

1. Kukula kwa Ngongole

Ngongole ikachulukira, m'pamenenso wobwereketsa adzalandira zambiri, makamaka m'njira zolipirira omwe amalipira ndalama zomwe wobwereketsa amapeza ndalama zambiri zangongole.

2. Mtundu wa Ngongole

Mitundu yosiyanasiyana ya ngongole, monga ngongole zanthawi zonse, FHA, kapena VA, ikhoza kupereka malipiro osiyanasiyana kwa ogulitsa.

3. Msika ndi Malo

Malipiro amatha kusiyana ndi malo komanso msika.Ma broker m'misika yampikisano atha kupeza ma komisheni apamwamba.

4. Zochitika ndi Mbiri ya Broker

Ma broker odziwa zambiri omwe ali ndi mbiri yabwino atha kubweza ndalama zambiri.

5. Maluso Okambirana

Obwereketsa atha kukhala ndi mwayi wokambirana za chipukuta misozi ndi broker, makamaka ngati wobwereketsa amalipira.

Kuwonekera pa Malipiro

Chimodzi mwazinthu zofunika pakumvetsetsa chipukuta misozi ndi ma broker ndi kuwonekera.Mabizinesi akuyenera kufotokozera momwe angabwezere ngongole kwa obwereketsa, kaya ndi omwe amalipidwa kapena obwereketsa.Obwereketsa ali ndi ufulu wodziwa kuti wobwereketsa adzalandira ndalama zingati kuchokera pakugulitsa.

Mapeto

Kulipiridwa kwa broker wanyumba kumatha kusiyanasiyana kutengera zinthu zingapo, kuphatikiza chipukuta misozi, kukula kwangongole, ndi msika.Kumvetsetsa kuchuluka kwa ndalama zomwe obwereketsa amalipidwa ndikofunikira kwa obwereketsa, chifukwa zimathandiza kuwonetsetsa kuwonekera komanso kulola obwereketsa kupanga zisankho mozindikira.Kaya mumasankha mtundu wolipira wobwereketsa kapena wobwereketsa, kukambirana za chipukuta misozi ndi broker wanu ndi gawo lofunika kwambiri pakubweza ngongole.Kumbukirani kuti wobwereketsa yemwe walipidwa bwino komanso wodziwa zambiri atha kukuthandizani kuti mupeze ngongole yabwino kwambiri pazosowa zanu.

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