Registration for the 2022 Vermont Statewide Housing Conference on November 16th is open! Register here or sign up to sponsor the conference today!

Ushaka Kwiga Uburyo bwo Kugura Urugo?

Kugura inzu muri Vermont birashobora kugorana! Hasi hari amashyirahamwe ashobora kugufasha. Aya makuru atangwa n’ikigo gishinzwe imari y’imiturire ya Vermont (VHFA), umuryango udaharanira inyungu utanga inguzanyo zinguzanyo zihendutse kubaguzi babishoboye.

Abaguzi murugo Kwigisha no gutanga inama

Ahantu heza ho gutangirira nukwiga inzira yo kugura inzu. Hasi nurutonde rwamashyirahamwe yabaturage aho ushobora kubona uburezi ugahura numujyanama kugirango wige uburyo wagura inzu, uko wujuje ibisabwa, icyo bisobanura gutunga, kandi niba hari gahunda zidasanzwe zagufasha.

Gusaba Inguzanyo yo murugo

Abantu benshi bagomba kuguza amafaranga kugirango bagure inzu. Amabanki yo mu karere, ihuriro ry’inguzanyo, hamwe n’amasosiyete atanga inguzanyo batanga inguzanyo zifasha abantu kugura amazu. Kugira ngo umenye niba wemerewe inguzanyo yo munzu (nanone yitwa inguzanyo), kanda kuri umwe mubaguriza hepfo:

Amahirwe Credit Union itanga abasemuzi mugihe bahuye nabakiriya. Ariko, VHFA ifite urutonde rwabatanga inguzanyo bashobora cyangwa badashobora kugusobanurira. Kanda hano kugirango ubone urutonde rwabaterankunga bose ba VHFA:

Guhura nuwatanze inguzanyo

Iyo uhuye nuwatanze inguzanyo, saba inama imbonankubone, kumurongo, cyangwa kuri terefone numukozi ushinzwe inguzanyo numusemuzi uhari. Iyo uhuye nuwatanze inguzanyo ushobora gusangira amakuru yihariye kubyerekeye inguzanyo yawe, kuzigama, amafaranga winjiza nakazi. Menya neza ko umusemuzi wese ukoresha yumva ko badashobora gusangira amakuru yihariye utabanje kubiherwa uruhushya. Abatanga inguzanyo barashobora gukoresha amagambo utumva mbere. Ntutindiganye kubaza ibibazo nka:

  • Nangahe?
  • Bizantwara iki kugirango nishyure mbere no gufunga?
  • Biteganijwe ko ubwishyu buri kwezi buzaba bumaze kugura?
  • Hariho gahunda zidasanzwe zamfasha kugabanya ibiciro byo kugura inzu?
  • Ni izihe ntambwe zikurikira?

Kugira Umusemuzi

Amashyirahamwe yavuzwe haruguru arashobora cyangwa ntashobora gutanga umusobanuzi kumateraniro yawe yose cyangwa guhamagara hamwe nabo. Niba uwagurijwe adashobora kuguha umusemuzi, noneho hariho amashyirahamwe make muri Vermont atanga serivisi zo gusobanura no guhindura kubuntu. Menyesha amashyirahamwe belwo gusaba umusemuzi: