Maitiro Ekusarudza Chikwereti Chakanaka muPuerto Rico: Mazano uye Ongororo yeMabhangi Makuru uye Cooperatives.

Kusarudza chikwereti chakanaka muPuerto Rico kunogona kunetsa, kunyanya nesarudzo dzakawanda dziripo pamusika.

Kunzwisisa manuances emhando dzakasiyana dzezvikwereti uye zvinopihwa kubva kumabhangi makuru uye mubatanidzwa wezvemari zvakakosha pakuita sarudzo ine ruzivo. Muchikamu chino, tichaongorora maitiro ekunyorera chikwereti pamhepo muPuerto Rico, tichipa matipi anoshanda uye ongororo yakadzama yemasangano makuru emari, akadai seBanco Popular de Puerto Rico, FirstBank, Oriental Bank, Evertec, Peninsula Bank, uye Cooperativas de Ahorro y Crédito.

Sei zvakakosha kusarudza chikwereti chakakodzera?

Kusarudza chikwereti chakakodzera hakusi kwekuwana mari chete. Ndezvekunzwisisa zvaunoda zvemari, mareti emubereko anosanganisirwa, uye matemi ekubhadhara. Chikwereti chakasarudzwa zvisina kunaka chinogona kukonzera chikwereti chakawandisa uye matambudziko emari mune ramangwana. Naizvozvo, zvakakosha kutora nguva yekutsvaga nekuongorora zvaungasarudza.

Mhando dzeZvikwereti Zvinowanikwa muPuerto Rico

Zvikwereti zveMunhu

Zvikwereti zvemunhu ndeimwe yesarudzo dzakakurumbira. Dzinogona kushandiswa kune chero chinhu kubva pakubatanidza chikwereti kusvika kune mari yekufambisa. Ivo kazhinji vane mibairo yakatarwa uye mazwi akasiyana.

Zvikwereti zveBusiness

Kana iwe uri muzvinabhizimusi, unogona kufunga nezvechikwereti chebhizinesi. Rudzi urwu rwechikwereti runopa capital yekutanga kana kuwedzera bhizinesi uye inogona kuve nemamiriro ezvinhu, zvichienderana nerudzi rwekambani uye huwandu hunokumbirwa.

Home Loans

Mortgage zvikwereti zvakagadzirirwa kutenga real estate. Mitengo inogona kusiyana zvichienderana nerudzi rwemari uye chimiro chemutengi, uye isarudzo yenguva refu.

Maitiro eKunyorera Chikwereti Pamhepo muPuerto Rico?

• Nhanho 1: Ongorora zvaunoda zvemari uye sarudza mari yaunoda.
• Nhanho 2: Tsvakurudza sarudzo dziripo, uchitsvaga ruzivo rwemari yemubereko uye mazwi.
• Nhanho 3: Enzanisa zvinopihwa kubva kune akasiyana masangano emari.
• Nhanho 4: Unganidza magwaro anodiwa, akadai sehumbowo hwemari uye chitupa.
• Nhanho 5: Svika kubhangi kana webhusaiti yemubatanidzwa uye zadza fomu rekunyorera.
• Nhanho 6: Tarisa mamiriro echikumbiro chako uye mirira kubvumidzwa.

Ongororo yeMabhangi Makuru uye Cooperatives muPuerto Rico

Banco Yakakurumbira de Puerto Rico

Banco Yakakurumbira nderimwe remabhangi makuru uye anoremekedzwa zvikuru muPuerto Rico. Inopa zvikwereti zvakasiyana-siyana zvemunhu uye zvebhizinesi zvine mitengo yemakwikwi. Iyo online application process iri nyore uye nekukurumidza, ichibvumira vatengi kuwana mhinduro nekukurumidza.

FirstBank

FirstBank inozivikanwa nesarudzo dzayo dzinochinjika uye sevhisi yevatengi. Vanopa zvikwereti zvemunhu zvinoenderana nemwedzi gumi nemiviri kusvika kumwedzi makumi matanhatu uye mitengo yakatarwa, zvichiita kuti kuronga kwemari kuve nyore.

Oriental Bank

Oriental Bank inomira pachena nemhinduro dzayo. Ivo vanopa zano rezvemari uye huwandu hwezvigadzirwa kuti zvienderane neakasiyana maprofile evatengi, kusanganisira imba uye zvikwereti zvemunhu.

Evertec

Evertec isangano rezvemari rinoshandisa tekinoroji kurerutsa maitiro ekunyorera chikwereti pamhepo. Ivo vanopa maturusi anokubatsira iwe kuverenga muripo wekubhadhara uye mitengo yemubereko usati wasaina chikwereti.

Peninsula Bank

Peninsula Bank inotarisa pakupa zvikwereti zvinokwanisika nematemu akareruka. Vakazvipira kuve pachena mumitengo uye mazwi.

Cooperatives ekuchengetedza uye kiredhiti

Mibatanidzwa yezvikwereti ndiyo imwe nzira yakanakisa, sezvo vachiwanzopa mibairo yakaderera uye mazwi anochinjika. Vanonangidzirwa pakugara zvakanaka kwenhengo dzavo uye vanogona kuva sarudzo inobatsira.

Zvakajairika Kukanganisa Paunenge Uchinyorera Chikwereti

• Usafananidza zvinopihwa: Kubvuma kupihwa kwekutanga pasina kutsvagisa dzimwe sarudzo kunogona kukonzera mitengo yepamusoro.
• Rega mubereko: Kungotarisa chete pamari yechikwereti pasina kunzwisisa mareti emubereko kunogona kutungamirira kumari dzinoshamisa.
• Kwete kuverenga chibvumirano: Kuregeredza ruzivo rwekondirakiti kunogona kukonzera clause dzisina kunaka.
• Kushaya kuronga: Kunyorera chikwereti pasina chirongwa chekubhadhara chakajeka kunogona kukanganisa mari yako.

Maitiro Akanakisisa Mukusarudza Chikwereti

• Ita ongororo yechikwereti: Kuziva chikwereti chako chekwereti kunogona kukubatsira kufanotaura kuti ndeapi mitengo yaungakwanisa kuwana.
• Ronga bhajeti rinoshanda: Tarisa kuti imarii yaungakwanisa kubhadhara pamwedzi usati wanyorera chikwereti.
• Tarisa mhando dzakasiyana dzezvikwereti: Funga nezvese zvingasarudzwa zviripo, kusanganisira macooperatives nemabhangi.
• Chengetedza zvinyorwa zvakarongeka: Kuve nemagwaro ese akagadzirira kunogona kukurumidzira nzira yekubvumidza.

Mienzaniso Inoshanda Yekukwereta Zvikumbiro

Kuenzanisira, ngatitarisei mamiriro maviri ekukumbira chikwereti:

• Muenzaniso 1: Maria anoda chikwereti che$5 000 kuti abatanidze chikwereti. Anoenzanisa zvinopihwa kubva kuBanco Yakakurumbira uye FirstBank, achisarudza Banco Yakakurumbira nekuti inopa 9% yemubereko wepagore uye 36-mwedzi yekubhadhara nguva, inoenderana nebhajeti yake.
• Muenzaniso 2: João anoda kutanga bhizinesi diki uye ari kutsvaga chikwereti che$10.000. Mushure mekutsvagisa, anofunga kunyorera kuOriental Bank, iyo inopa 7% chiyero chemubereko uye inochinjika yekubhadhara chirongwa chinoenderana nekuyerera kwemari yebasa rake idzva.

Mibvunzo yakajairika

1. Ndeupi musiyano uripo pakati pechikwereti chemunhu nechikwereti chebhizinesi?

Zvikwereti zvemunhu zvakagadzirirwa kushandiswa kwega, nepo zvikwereti zvebhizinesi zvakagadzirirwa chaizvo kupa mari zviitiko zvebhizinesi.

2. Ndingavandudza sei chibodzwa changu chechikwereti ndisati ndanyorera chikwereti?

Bhadhara mabhiri ako nenguva, deredza chikwereti chako, uye dzivisa kuvhura maakaundi matsva echikwereti usati wanyorera chikwereti.

3. Ndeapi magwaro anowanzodiwa kuti unyorere chikwereti?

Kazhinji, iwe unozoda humbowo hwekuzivikanwa, humbowo hwemari, uye mune dzimwe nguva, magwaro ane chekuita nenhoroondo yako yechikwereti.

4. Zvinotora nguva yakareba sei kuti chikwereti chibvumirwe?

Nguva dzekubvumidza dzinogona kusiyana, asi masangano mazhinji anopa mhedzisiro mukati me24 kusvika kumaawa makumi mana nemasere ekupedza kunyorera.

5. Ndinganyorera chikwereti here kana ndine nhoroondo yakaipa yechikwereti?

Hongu, mamwe masangano anopa sarudzo kune vanhu vane kiredhiti yakaipa, asi mibairo inogona kunge yakakwira.

6. Chii chinonzi chimbadzo chakatarwa?

Chiyero chemubereko chakamisikidzwa ndicho chinoramba chiripo panguva yese yechikwereti, zvichiita kuti kuronga kwemari kuve nyore.

7. Zvinoita here kubhadhara chikwereti nekukurumidza?

Hongu, asi tarisa kana paine zvirango zvekukurumidza kubhadhara, sezvo mamwe masangano anobhadharisa mari yeizvi.

8. Ndingaite sei kuti ndive nechokwadi chekuti ndiri kusarudza sarudzo yakanakisa yechikwereti?

Tsvagurudza, enzanisa zvinopihwa, verenga wongororo, uye bvunza nyanzvi dzezvemari kuti uwane nhungamiro.

Kusarudza chikwereti chakakodzera muPuerto Rico kunosanganisira kutsvaga, kuronga, uye kunzwisisa zvaunoda zvemari. Nekutevera matipi uye ongororo yakapihwa, iwe unenge wakagadzirira zvirinani kuita sarudzo ine ruzivo. Usakanganwa kugovera chinyorwa ichi neshamwari uye nemhuri vangave vachitsvaga ruzivo rwekuti unganyorera sei chikwereti pamhepo muPuerto Rico. Dzidzo yezvemari inhanho yakakosha kusvika pakuwana kugadzikana kwehupfumi uye kuzadzikisa zviroto zvako.