calculator ya ngongole
Kumbukirani kuti mitengo ndi yosiyana kwa wobwereka aliyense. Chifukwa chake muyenera kufananiza obwereketsa angapo kuti mupeze malonda anu abwino. Mtengo wabwino kwambiri wobwereketsa ukhoza kapena sangachokere kumakampani omwe atchulidwa pano.
Kumbukirani kuti mitengo imasiyana kuchokera kwa wobwereketsa kupita ku wobwereka ndipo mtengo wanu wotsika kwambiri ukhoza kapena sangabwere kuchokera kwa wobwereketsa pamndandandawu. Obwereketsa akuyenera kufananiza zoperekedwa ndi obwereketsa osachepera atatu kapena asanu kuti apeze chiwongola dzanja chawo chabwino kwambiri.
Komabe, mitengo yanyumba yakale ikhoza kukhala chiwongolero chothandizira kukuthandizani kupeza mabanki omwe ali ndi mitengo yotsika kwambiri yanyumba. Mindanda ili m'munsiyi ndi poyambira bwino ngati mukuyang'ana chiwongola dzanja chabwino pa ngongole yanu yatsopano.
Wobwereketsa nyumba Wapakati wa zaka 30 zangongole (2021)FREEDOM MORTGAGE CORPORATION2,66%BANK OF AMERICA2,80%VETERANS UNITED HOME LOANS*2,86%BETTER MORTGAGE CORPORATION2. 86%PENNYMAC2.87%AMERISAVE MORTGAGE CORPORATION2.90%NAVY FEDERAL CREDIT UNION*2.93%HOME POINT FINANCIAL CORPORATION2.94%LOANDEPOT.COM2.99%CALIBER HOME LOANS, INC.2%99 . INC.3.00%CITIZENS BANK3.01%CHASE BANK3.01%NEWREZ LLC3.02%PNC BANK3.06%LAKEVIEW LOAN SERVICING, LLC3.08%NDALAMASO YATSOPANO YA AMERICAN3.08%GUILD MORTGAGE COMPANY3.08%CARDINAL%COMPANY3.09. MOVEMENT MORTGAGE, LLC3.10%MR. COOPER3.12%WELLS FARGO3.13%CROSSCOUNTRY MORTGAGE, INC.3.14%FAIRWAY INDEPENDENT MORTGAGE CORPORATION3.16%FLAGSTAR BANK, FSB3.18%VANDERBILT MORTGAGE AND FINANCE, INC.3.19%3.26%3.28%3.59%XNUMX%US BANKIST.
Zaka 30 za ngongole zanyumba
Mlingo wapakatikati pa ngongole yokhazikika yazaka 30 ndi 5,54%, malinga ndi Bankrate.com, pomwe chiwongola dzanja chapakati pa ngongole yazaka 15 ndi 4,80%. Pa ngongole ya jumbo ya zaka 30, mlingo wapakati ndi 5,45%, ndipo mlingo wapakati pa 5/1 ARM ndi 3,87%.
Pachiwongola dzanja chapano cha 4,80%, chiwongola dzanja chokhazikika chazaka 15 chingawononge pafupifupi $780 pamwezi pamtengo waukulu ndi chiwongola dzanja pa $100.000. Mutha kulipira pafupifupi $40.475 pachiwongola dzanja chonse pa moyo wanu wonse wangongole.
Mu ngongole ya jumbo ya zaka 30, chiwongoladzanja cha chiwongoladzanja chikuyima pa 5,45%, kutsika kuposa sabata yatha panthawiyi. Chiwerengero chapakati chinali 5,55% sabata yatha. Mlingo wokhazikika wazaka 30 pa ngongole ya jumbo pano ndi wapamwamba kuposa masabata 52 otsika a 3,03%.
Kuti muwerenge ndalama zomwe mumalipira pamwezi, mutha kugwiritsa ntchito chowerengera chanyumba. Ikupatsirani kuyerekeza kwa chiwongola dzanja chanu pamwezi ndi chiwongola dzanja kutengera chiwongola dzanja, kubweza, mtengo wogula, ndi zina.
Mutha kudziwa kuti muyenera kusunga ndalama zokwanira kuti muthe kulipira pang'ono, koma zimatengera ndalama zambiri kuposa izi kuti mudutse njira yogulira nyumba. Komanso, mutagula, muyenera kukonza nyumba yanu yatsopano ndikupitiriza kukonzanso zotheka.
Zaka 30 zokhazikika zamtengo wobwereketsa freddie mac
Ngongole zanyumba zokhazikika komanso zobwereketsa zosinthika (ARMs) ndi mitundu iwiri yayikulu ya ngongole zanyumba. Ngakhale msika umapereka mitundu yambiri m'magulu awiriwa, sitepe yoyamba yogula ngongole ndiyo kudziwa kuti ndi iti mwa mitundu iwiri ya ngongole yomwe ikugwirizana ndi zosowa zanu.
Ngongole yokhazikika imayitanitsa chiwongola dzanja chokhazikika chomwe chimakhalabe chomwechi nthawi yonse ya ngongoleyo. Ngakhale kuchuluka kwa chiwongola dzanja ndi chiwongola dzanja chomwe amalipidwa mwezi uliwonse zimasiyanasiyana kuchokera kumalipiro kupita ku malipiro, malipiro onse amakhalabe ofanana, kupanga bajeti kukhala kosavuta kwa eni nyumba.
Tchati chotsatirachi chikuwonetsa momwe ndalama za principal ndi chiwongola dzanja zimasinthira pa moyo wangongole. Mu chitsanzo ichi, nthawi yobwereketsa ngongole ndi zaka 30, wamkulu ndi $ 100.000, ndipo chiwongoladzanja ndi 6%.
Ubwino waukulu wa ngongole yokhazikika ndikuti wobwereketsa amatetezedwa ku kuwonjezereka kwadzidzidzi komanso komwe kungakhale kokulirapo kwa ngongole zanyumba pamwezi ngati chiwongola dzanja chikukwera. Ngongole zandalama zokhazikika ndizosavuta kumva ndipo zimasiyana pang'ono kuchokera kwa wobwereketsa kupita kwa wobwereketsa. Choyipa cha ngongole zanyumba zokhazikika ndikuti chiwongola dzanja chikakhala chokwera, zimakhala zovuta kubwereketsa chifukwa zolipira sizitsika mtengo. Chowerengera chobwereketsa chikhoza kukuwonetsani zovuta zamitengo yosiyanasiyana pakulipira kwanu pamwezi.
Chiwongola dzanja chanyumba lero
Ndi maulendo a Fed akukonzekera pambuyo pa msonkhano uliwonse wotsalira, zizindikiro zambiri zimasonyeza kuti chiwongoladzanja chikupitiriza kukwera mu 2022. Komabe, kusatsimikizika kwachuma kudzachititsa kuti mlungu uliwonse ukhale wosasinthasintha.
"Pokhala ndi kusatsimikizika kwakukulu pazachuma, mitengo ya ngongole ipitilira kukwera mwezi wamawa, makamaka ngati mawu a Fed okhudza kubwezeretsa kukhazikika kwamitengo akupitilirabe." -Selma Hepp, Wachiwiri kwa Chief Economist wa CoreLogic
“Kukwera kwa mitengo ya inflation ndi kukhwimitsa malamulo a Federal Reserve ndizomwe zikupangitsa kuti chiwongola dzanja chikwere masiku ano. Pakalipano, deta imasonyeza kuti inflation idzakhalabe yokwera m'miyezi ikubwerayi. Chifukwa chake, Federal Reserve iyenera kukwera maulendo angapo kuti inflation itsike ku 2%.
Makwerero ena asanu akuyembekezeka chaka chino. Komanso, Federal Reserve idzayamba kuchepetsa kukula kwa ndalama zake mu June. Izi zikutanthawuza kuti Fed idzachepetsa ma bond holds ake powonjezera kupezeka kwa US Treasuries pamsika. Njirayi ikuyembekezeka kukankhira zokolola za Treasury ndi mitengo yanyumba yokwera kwambiri mu theka lachiwiri la 2022. Chifukwa chake, ndikuyembekeza kuti chiwongola dzanja chokhazikika chazaka 30 kukhala pafupifupi 5,5% pofika pakati pa 2022. ".
