12/05/2023

Kuwona Malo Opanda Kubweza Mortgage Njira

M'dziko losinthika lazandalama zobwereketsa nyumba, zofunikira wamba zowonetsa ndalama zokhazikika zitha kukhala chopinga chachikulu kwa anthu ena.Komabe, gulu lapadera laobwereketsa latulukira - omwe akupereka "No Revenue Mortgages."Bukuli likufuna kuwunikira zinthu, mapindu omwe angapezeke, ndi malingaliro okhudzana ndi obwereketsa nyumba omwe samaumirira pazolembedwa zamandalama.

Kumvetsetsa Palibe Obwereketsa Ngongole

Palibe obwereketsa ndalama, omwe amadziwikanso kuti "No Doc" obwereketsa, amapereka njira ina kwa anthu omwe ndalama zawo sizingagwirizane ndi ntchito zachikhalidwe kapena kwa iwo omwe akufunafuna njira yosinthira yofunsira.Obwereketsawa amayang'ana kwambiri njira zowunikira zosiyanasiyana, zomwe zimapangitsa kuti anthu ambiri obwereke azifikire.

Makhalidwe Opanda Ndalama Zobwereketsa Zobwereketsa

1. Kugogomezera Kochepa Pazolemba Zazopeza Zachikhalidwe:
   • Mwachidule: Palibe obwereketsa ndalama omwe amafunikira umboni wocheperako kapena wopanda chikhalidwe, monga mafomu a W-2 kapena zobweza msonkho.
   • Zotsatira: Njira yowongokayi imafulumizitsa njira yovomerezera ngongole kwa obwereketsa.
2. Kugogomezera Ma Metrics Ena:
   • Mwachidule: Obwereketsa amayang'ana kwambiri zoyezetsa zina, monga kubweza ngongole ndi kukhazikika kwachuma, kuti awone momwe wobwereketsa angathe kubweza.
   • Zotsatira zake: Obwereketsa omwe ali ndi ndalama zosagwirizana kapena mbiri yakale yazachuma atha kupeza obwereketsawa kukhala omasuka.
3. Zogulitsa Zosiyanasiyana:
   • Mwachidule: Palibe obwereketsa omwe amapereka ngongole zosiyanasiyana, kuphatikiza ngongole zogulira nyumba, kubweza ndalama, ndi ngongole zanyumba.
   • Zotsatira: Obwereketsa ali ndi mwayi wosankha ngongole yomwe ikugwirizana ndi zolinga zawo za eni nyumba.

Ubwino ndi Kuganizira kwa Obwereka

1. Kufikika kwa Zopeza Zomwe Si Zachikhalidwe:
   • Ubwino: Palibe obwereketsa omwe amapeza ndalama zothandizira anthu odzilemba okha, odzipangira okha, komanso omwe amapeza ndalama zomwe zimasinthasintha.
   • Lingaliro: Ngakhale zili zofikirika, obwereka amatha kukumana ndi chiwongola dzanja chokwera pang'ono kapena zinthu zina zobweza.
2. Njira Yovomerezera Mwamsanga:
   • Ubwino: Kuchepetsa kugogomezera zolembedwa zamabuku azachuma nthawi zambiri kumabweretsa njira yovomerezera mwachangu.
   • Kulingalira: Kuvomereza mwamsanga sikuyenera kusokoneza kumvetsetsa bwino kwa mawu a ngongole.
3. Kusinthasintha kwa Zolemba Zopeza:
   • Ubwino: Obwereketsa amatha kupereka zolemba zosiyanasiyana za ndalama, monga masitatimenti akubanki kapena ndalama zamabizinesi, kuti awonetse kukhazikika kwachuma.
   • Kuganizira: Kulankhulana momveka bwino ndi wobwereketsa ndikofunikira kuti zitsimikizire kuti zolemba zomwe zaperekedwa zikugwirizana ndi zomwe akufuna.

Malingaliro kwa Obwereka

1. Ndemanga Zazachuma:
   • Upangiri: Ngakhale zolembedwa zamakedzana ndizochepa, obwereka akuyenera kudziyesa okha mwatsatanetsatane momwe chuma chawo chilili.
2. Kumvetsetsa Migwirizano ya Ngongole:
   • Malangizo: Mvetserani bwino lomwe zigamulo za ngongoleyo, kuphatikiza chiwongola dzanja, nthawi yobweza, ndi zilango zilizonse.
3. Kuyerekeza Kugula:
   • Chidziwitso: Onani zopereka kuchokera kwa omwe amabwereketsa osapeza ndalama kuti muteteze zinthu zabwino kwambiri pazachuma.

Kuyendetsa Njira Yogwiritsira Ntchito

1. Kulankhulana Kotsegula:
   • Chitsogozo: Pitirizani kulankhulana momveka bwino ndi obwereketsa, kuonetsetsa kuti mukumvetsetsa zofunikira ndi ziyembekezo zinazake.
2. Malangizo Aukadaulo:
   • Chitsogozo: Funsani upangiri kwa akatswiri obwereketsa nyumba kapena alangizi azachuma kuti awone ngati kubwereketsa kosapeza ndalama kumagwirizana ndi zolinga zazachuma zanthawi yayitali.
3. Ndemanga Yazamalamulo Ngati Pakufunika:
   • Chitsogozo: Poganizira zapadera za ngongolezi, aphungu azamalamulo atha kupereka zidziwitso zofunikira pazangozi ndi njira zodzitetezera.

Kutsiliza: Kupatsa Mphamvu Maulendo Osiyanasiyana Azachuma

Palibe obwereketsa omwe amapereka njira yapadera kwa anthu omwe ndalama zawo zimasiyana ndi zomwe zimachitika nthawi zonse.Ngakhale kuti obwereketsawa amapereka mwayi wowonjezereka, obwereketsa ayenera kuyandikira njira yopangira zisankho ndikumvetsetsa bwino zomwe zikugwirizana ndi zomwe zingatheke ndi malonda.Poyang'ana zovuta za kubwereketsa kopanda ndalama mwachangu komanso mwachidziwitso, obwereketsa atha kugwiritsa ntchito mwayi wapaderawu kuti akwaniritse eni nyumba ndi zolinga zawo zachuma, zomwe zimathandizira kuti pakhale gawo lophatikizika kwambiri landalama zanyumba.

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