Waa maxay qeexida wax ku biirinta Xisbiyada Daneeya?
Wax ku biirinta Xisbiga Danaysan (IPC) waxa loola jeedaa lacag-bixinta ay bixiso Cida danaynaysa, ama isku darka dhinacyada, xagga khidmadaha asalka ah ee Amaahiyaha, kharashyada kale ee xidhitaanka iyo dhibcaha dhimista.Wax ku biirinta kooxuhu waa kharash sida caadiga ah mas'uul ka ah iibsadaha hantida oo uu si toos ah ama si dadban u bixiyo qof kale oo dan dhaqaale ka leh, ama saamayn kara shuruudaha iyo iibinta ama wareejinta, hantida maaddada.
Yaa loo arkaa cid danaynaysa?
Iibiyaha hantida;Dhisaha/sameeyaha;Wakiilka ama dallaalka;Xiriiriye laga yaabo inuu ka faa'iidaysto iibinta guriga oo qiimo ka sarreeya lagu iibsado.
Deyn-bixiyuhu ama loo shaqeeyaha iibsadaha looma tixgalinayo cid danaynaysa wax kala iibsiga ilaa ay sidoo kale u dhaqmayaan sidii hanti iibiye ama cid kale oo danaynaysa.
Waa maxay xadka tabaruca ee ugu badan ee danaynaya?
IPC-yada dhaafsiisan xadkaan waxaa loo tixgaliyaa heshiisyo iib ah.Qiimaha iibka guriga waa in hoos loo hagaajiyaa si loo muujiyo qadarka wax ku biirinta ee ka badan inta ugu badan, iyo saamiga ugu badan ee LTV/CLTV waa in dib loo xisaabiyaa iyadoo la isticmaalayo qiimaha iibka ee la dhimay ama la qiimeeyay.
| Nooca Degganaanshaha | Saamiga LTV/CLTV | IPC ugu badnaan |
| Deganaanshaha guud ama guriga labaad | In ka badan 90% | 3% |
| 75.01% - 90% | 6% | |
| 75% ama ka yar | 9% | |
| Hantida maalgashiga | Dhammaan saamiyada CLTV | 2% |
Tusaale ahaan
Iibka $250,000 oo leh $150,000 Amaah waxay noqonaysaa Daynta Qiimaha (LTV) ee 60%.
Marka la joogo 60% IPC-gu ugu badnaan wuxuu noqon doonaa 9% qiimaha iibka, $22,500, ama kharashyada xidhitaanka, hadba kan ka yar.
Haddii IPC, ha ahaato iibiyaha ama Realtor, ay ahaan lahaayeen $25,000 credit waxay dhaafi doontaa xadka IPC.Sidan oo kale, $2,500 ee dheeraadka ah waxay noqon doontaa heshiis iib ah.Qiimaha iibka waxaa loo tixgalinayaa $247,500 ($250,000-$2,500) natiijaduna LTV waxay noqonaysaa 60.61%.Isbeddelkan ku yimi LTV waxa uu saamayn karaa shuruudaha amaahda xaaladaha qaarkood, laakiin waa in aanu kugu keenin in aad iibsatid caymiska amaahda guryaha.
Waqtiga boostada: Jan-21-2022