Ngongole yokhazikika
Masiku ano, APR yapakati pazaka 30 zobwereketsa zokhazikika zakhalabe pa 5,35%. Sabata yatha panthawiyi, APR yokhazikika yazaka 30 inali 5,53%. Kumbali yake, APR wapakati pa ngongole yokhazikika yazaka 15 imayima pa 4,68%. Nthawi yomweyo sabata yatha, APR yokhazikika yazaka 15 inali 4,88%. Mitengo imatchulidwa ngati APR.
Ngakhale mitengo yanyumba imakhudzidwa mwachindunji ndi zokolola ku US Treasury, kukwera kwa inflation ndi mfundo zandalama za Federal Reserve zimakhudza mwachindunji mitengo yanyumba. Pamene inflation ikukwera, Federal Reserve imachitapo kanthu pogwiritsa ntchito ndondomeko yazachuma yaukali, yomwe nthawi zonse imapangitsa kuti chiwongoladzanja chiwonjezeke.
"Kukakamizika kukhala ndi kukwera kwa inflation kudzawonjezeka ndipo Fed iyenera kukweza ndalama zake maulendo asanu ndi atatu mpaka XNUMX pakuwonjezeka kwa kotala chaka chino," akutero Lawrence Yun, katswiri wazachuma komanso wachiwiri kwa purezidenti wofufuza pa National Association of Realtors. (NAR). "Kuphatikiza apo, Fed isintha pang'onopang'ono kuchepetsa kuchuluka kwa ndalama, ndikukweza mitengo yanyumba yayitali."
Ngongole zanyumba zosiyanasiyana
Ngati ndinu watsopano kumasewera ogula kunyumba, mwina mudadabwa ndi kuchuluka kwa mawu omwe mwamva ndikuwerenga. Mutha kukhala ndi chiwongola dzanja chokhazikika kapena mtengo wosinthika. Mutha kukhala ndi nthawi ya zaka 15 kapena 30, kapenanso nthawi yachizolowezi. Ndi zina zambiri.
Zikuwonekeratu kuti muyenera kusankha mtundu wanji wangongole womwe uli woyenera kwa inu. Koma musanasankhe ngati ngongole yobwereketsa ikumveka kwa inu, muyenera kudziwa zoyambira zamtundu wanji wangongole ndi momwe zimagwirira ntchito.
Chiwongola dzanja chokhazikika ndi njira yobwereketsa nyumba yokhala ndi chiwongola dzanja chodziwika panthawi yonse ya ngongoleyo. Kwenikweni, chiwongoladzanja cha chiwongola dzanja sichidzasintha nthawi yonse ya ngongoleyo ndipo chiwongola dzanja cha wobwereka ndi malipiro ake onse azikhala chimodzimodzi mwezi uliwonse.
Préstamo de tipo fijo a 30 años: Un tipo de interés del 5,25% (5,511% TAE) es por el coste de 2,00 punto(s) ($6.000,00) pagados al cierre. En una hipoteca de $300,000, usted haría pagos mensuales de $1,656.62. El pago mensual no incluye los impuestos ni las primas de seguro. La cantidad de pago real será mayor. El pago supone una relación préstamo-valor (LTV) del 79,50%.
calculator ya ngongole
Sankhani chinthu kuti muwone zambiri zofunika, zolipira, zongoganiza, ndi zambiri za APR, popeza mitundu ina imatha kuphatikiza kuchotsera 1 ngati mtengo wobwereketsa. Refinancing mitengo zimatengera ndalama palibe kulipira. Chonde dziwani kuti tili ndi njira zina zobwereketsa nyumba zomwe sizinawonetsedwe apa.
Mtengo wa ngongoleyo ukuwonetsedwa ngati peresenti yapachaka. Ngongongole zanyumba, kuphatikiza ngongole zanyumba, zikuphatikiza chiwongola dzanja kuphatikiza chiwongola dzanja kapena makomishoni ena. Kwa ngongole zanyumba, APR ndi chiwongoladzanja chokha.
30-year fixed mortgage fred
Chiwongola dzanja chimakhudza nthawi ya ngongole yanu yanyumba ndi ndalama zomwe mumalipira mwezi uliwonse, choncho muyenera kuzidziwa bwino. Pali njira ziwiri zazikulu zomwe zilipo, zokhazikika kapena zosinthika. Yang'anani pamitengo yathu yapano kapena pemphani kuyimbira foni kwa Mortgage Master wakomweko; Adzakhala okondwa kukuthandizani kusankha njira yabwino kwambiri.
Ena aife timalakalaka chitetezo cha mtengo wokhazikika, chifukwa zikutanthauza kuti kubweza kwanu kudzakhala komweko pakanthawi yokhazikika. Tafotokozera mwachidule mitengo yathu yokhazikika ya ngongole zanyumba zatsopano mu tchati chabwino chomwe chili pansipa.
Makasitomala obwereketsa omwe ali ndi nyumba amatha kupita kumtengo wocheperako (LTV), pomwe chiŵerengero cha ngongole ndi mtengo chimasintha mokwanira pa nthawi ya ngongole. Pali zambiri za njirayi pano
Makasitomala omwe amakhalapo ndi eni ake atha kusinthira kumitengo yamakampani atsopano a loan-to-value (LTV) LTV ikasintha mokwanira pakubwereketsa. Mutha kupeza zambiri za njirayi pano
