calculator ya ngongole
Pogula nyumba, pali zambiri zofunika kuziganizira kuposa kuchuluka kwa zipinda, kukula kwa bwalo ndi malo. Muyeneranso kuganizira momwe mungalipire nyumbayo. Kwa ogula ambiri, izi zikutanthauza kufunsira ngongole yanyumba.
Sikuti ngongole zonse zanyumba ndizofanana. Ena amapereka chiwongola dzanja chokhazikika, chomwe chimakhalabe chimodzimodzi m'moyo wonse wangongole. Ena ali ndi mitengo yosinthika, yomwe imatha kusintha malinga ndi kalendala. Ngongole zina zimayenera kulipidwa zaka 15, ndipo zina zimakupatsani zaka 30 kuti mulipire.
Ngongole yobwereketsa yazaka 30 ndiyo njira yotchuka kwambiri pakati pa ogula nyumba. Dziwani zambiri za tanthauzo la kutenga ngongole yanyumba yazaka 30, zomwe chiwongola dzanja chokhazikika chazaka 30 chimatanthauza, komanso ngati ngongoleyi ndi njira yoyenera kwa inu.
Ngongole yobwereketsa yazaka 30 ndi ngongole yanyumba yokhala ndi nthawi yobweza zaka 30 komanso chiwongola dzanja chomwe chimakhala chimodzimodzi nthawi yonse ya ngongoleyo. Mukaganiza zopempha ngongole yanyumba yazaka 30 yokhala ndi chiwongola dzanja chokhazikika, inshuwaransi yomwe muyenera kulipira mwezi uliwonse imakhala yofanana mpaka mutamaliza kubweza ngongoleyo.
chiwongola dzanja deutsch
Mawu akuti "fixed-rate mortgage" amatanthauza ngongole yanyumba yomwe imakhala ndi chiwongoladzanja chokhazikika pa nthawi yonse ya ngongole. Izi zikutanthauza kuti ngongoleyo imakhala ndi chiwongola dzanja chokhazikika kuyambira koyambira mpaka kumapeto. Ngongole zokhazikika ndi zinthu zodziwika bwino kwa ogula omwe akufuna kudziwa momwe angalipire mwezi uliwonse.
Pali mitundu ingapo yazogulitsa zanyumba pamsika, koma zimatsikira m'magulu awiri: ngongole zosinthika komanso ngongole zokhazikika. M'mangongole osinthika, chiwongola dzanja chimakhazikika pamwamba pa chiwongola dzanja china kenako chimasinthasintha, kusintha nthawi zina.
Kumbali ina, ngongole zanyumba zokhazikika zimasunga chiwongola dzanja chofanana panthawi yonse ya ngongoleyo. Mosiyana ndi ngongole zanyumba zosinthika komanso zosinthika, ngongole zanyumba zokhazikika sizisinthasintha ndi msika. Choncho, chiwongoladzanja cha chiwongoladzanja pamtengo wokhazikika chimakhalabe chimodzimodzi mosasamala kanthu kuti chiwongoladzanja chikukwera kapena kutsika.
Ngongole zobweza ngongole (ARMs) ndi mtundu wosakanizidwa pakati pa ngongole zokhazikika ndi zosintha. Chiwongola dzanja choyambirira chimakhazikika kwa nthawi, nthawi zambiri zaka zingapo. Pambuyo pake, chiwongoladzanja chimasinthidwa nthawi ndi nthawi, pachaka kapena mwezi uliwonse.
Chiwongola dzanja
Ndi chiwongola dzanja chokhazikika, chiwongola dzanja chimakhala chofanana nthawi yonseyi, kukutetezani ku kukwera kwa chiwongola dzanja ndikukulolani kuti mukonzekere molimba mtima.Pangani nthawi yokumana tsopanoPazaka 2-10Chiwongola dzanja Chokhazikika kwa moyo wonse wa chiwongola dzanja.
Mukatenga chiwongola dzanja chatsopano kapena ngati mukufuna kusintha ngongole yanu yanyumba ndi ife ndikuyembekeza kuti chiwongola dzanja chidzakwera, mutha kutseka zomwe zilipo lero. Mutha kuchita mpaka miyezi khumi ndi iwiri musanayambe kulipira ngongole yanyumba. Chifukwa chake, chiwongola dzanja chimakhazikika ndipo ngongole yanyumba imalipidwa pamasiku osiyanasiyana. Komabe, mpaka tidziwitsidwanso, tikuchotsa chiwongola dzanja chowonjezerachi mukatenga ngongole yanyumba ndi ife*.
Ngongole yobwereketsayo ikatha, chiwongola dzanja chambiri chikhoza kukhala chokwera kuposa pamene ngongole yanyumba idagwirizana. Zikatere, muyenera kukonza ndalama zowonjezera pa chiwongola dzanja chokwera. Kuti muchepetse chiwopsezo cha chiwongola dzanjachi, ndi bwino kugawa ndalama zambiri pakati pa ngongole zingapo zanyumba kuyambira pachiyambi. Mwachitsanzo, mutha kuvomereza ngongole zanyumba ziwiri zokhazikika ndi mawu osiyanasiyana.
Mitengo yamitengo yanyumba ku US
Mtengo wapakati pa ngongole yokhazikika yazaka 30 ndi 5,27% ndi APR ya 5,28%, malinga ndi Bankrate.com. Ngongole yokhazikika yazaka 15 ili ndi avareji ya 4,56% ndi APR ya 4,58%. Chiwongola dzanja chazaka 20 ndi 5,20%. Mtengo wapakati pa ngongole ya 5/1 ya ARM ndi 3,76% ndi APR ya 4,79%.
A $20 100.000-year refinance mortgage refinance panopa chiwongola dzanja 5,20% adzawononga $671 pamwezi kwa wamkulu ndi chiwongola dzanja. Misonkho ndi zolipiritsa sizinaphatikizidwe. Pa moyo wanu wonse wangongole, mumalipira pafupifupi $61.053 pachiwongola dzanja chonse.
Pachiwongola dzanja chapano cha 4,56%, chiwongola dzanja chazaka 15 chikhoza kuwononga pafupifupi $768 pamwezi pamtengo waukulu ndi chiwongola dzanja pa $100.000. Mutha kulipira pafupifupi $38.251 pachiwongola dzanja chonse pa moyo wanu wonse wangongole.
Avereji ya chiwongola dzanja pakubweza ngongole zanyumba za jumbo zaka 30 ndi 5,26%. Sabata yapitayo, kuchuluka kwapakati kunali 5,43%. Chiwongola dzanja chokhazikika chazaka 30 pa ngongole ya jumbo ndi yayikulu kuposa ya masabata 52 otsika a 4,49%.
Avereji ya chiwongola dzanja cha kubwezeredwa kwa ngongole ya jumbo yazaka 15 pamtengo wokhazikika ndi 4,56%. Sabata yatha, kuchuluka kwapakati kunali 4,70%. Chiwongola dzanja chokhazikika chazaka 15 pa ngongole ya jumbo ndi yotsika kuposa masabata 52 a 3,72%.
