Makore mangani emortgage inotanga kudzika?

Iwe unotanga rini kubhadhara mukuru mukuru kupfuura mubereko?

Mortgage chikwereti chenguva refu chakagadzirirwa kukubatsira kutenga imba. Pamusoro pekubhadhara capital, iwe unofanirwa kubhadhara mubereko kune mukweretesi. Imba nenyika yakaipoteredza zvichava rubatso; Asi kana iwe uchida kuve nemba, iwe unofanirwa kuziva zvinopfuura izvi zvinowanzoitika. Iyi pfungwa inoshandawo kune bhizinesi, kunyanya kana zvasvika kune yakatarwa mitengo uye yekuvhara mapoinzi.

Anenge munhu wose anotenga imba ane chikwereti chemba. Mari dzembavha dzinowanzotaurwa panhau dzemanheru, uye fungidziro pamusoro pemafambiro emitengo ichafamba yave chikamu chenguva dzose chetsika yezvemari.

Imba yemazuva ano yakabuda muna 1934, apo hurumende - kubatsira nyika kuburikidza neKuderera Kukuru - yakagadzira chirongwa chekukweretesa icho chakaderedza kubhadhara kwaidiwa paimba nekuwedzera mari yaigona kukwereta varidzi vemba. Izvi zvisati zvaitika, 50% yekubhadhara pasi yaidiwa.

Muna 2022, mubhadharo we20% wepasi unodiwa, kunyanya sezvo kana mubhadharo uri pasi pe20%, unofanirwa kutora yakavanzika mortgage inishuwarenzi (PMI), inoita kuti mubhadharo wako wepamwedzi ukwire. Zvisinei, chinodiwa hachisati chiri hacho chinowanwa. Kune zvirongwa zvemortgage izvo zvinobvumira kudzika kwakadzika kubhadhara, asi kana iwe uchigona kuwana iyo 20%, unofanirwa.

Mari dzemortgage dzinodzikira nekufamba kwenguva here?

Asi zvakadini nevaridzi vemisha venguva refu? Iwo makore makumi matatu ekubhadhara mubereko anogona kutanga kuita semutoro, kunyanya kana achienzaniswa nekubhadhara pazvikwereti zvazvino zvine mubereko wakaderera.

Nekudaro, nerutsidzo rwemakore gumi nemashanu, unogona kuwana yakaderera mubereko uye ipfupi nguva yechikwereti kuti ubhadhare chikwereti chako nekukurumidza. Asi ramba uchifunga kuti kupfupika kwenguva yechikwereti chako, kunowedzera mari yemwedzi wega wega.

Pachikamu che5% chemubereko mumakore manomwe nemwedzi mina, mubhadharo wako wakadzoserwa wembavha ungaenzana ne135.000 $. Haana kungochengeta $59.000 mubereko chete, asi ane imwe mari yakachengeterwa mushure memakore makumi matatu ekutanga echikwereti.

Imwe yedzakareruka nzira dzekuita imwe mubhadharo gore rega rega ndeyekubhadhara hafu yemari yako yembavha masvondo maviri ega ega pane kubhadhara iyo yakazara mari kamwe chete pamwedzi. Izvi zvinozivikanwa se "biweekly payments."

Nekudaro, haugone kungotanga kubhadhara mavhiki maviri ega ega. Mushandi wako wechikwereti anogona kuvhiringika nekugamuchira mubhadharo usina kukwana uye usingaite. Taura nemukwereti wako wekutanga kuti mubvumirane pachirongwa ichi.

Muripo wangu wemondi uchadzika here mushure memakore mashanu?

Paunenge uchisarudza pakati pezvimwe zvigadzirwa, zvinogona kuve nyore kuenda neanonyanya kufarirwa. Asi kana zvasvika pakusarudza chakakodzera renji chigadzirwa chezvinangwa zvako, kuenda neyakanyanya kufarirwa sarudzo inogona kunge isiri iyo yakanakisa sarudzo.

Mortgages kazhinji ine imwe nguva yekubhadhara chikwereti. Izvi zvinozivikanwa setemu yemortgage. Iyo inonyanya kuzivikanwa nguva yekukwereta muUnited States makore makumi matatu. Chikwereti chemakore makumi matatu chinopa mukwereti makore makumi matatu kuti abhadhare chikwereti chake.

Vanhu vazhinji vane rudzi urwu rwekukweretesa havachengetere chikwereti chepakutanga kwemakore makumi matatu. Muchokwadi, iyo yakajairika nguva yechikwereti, kana avhareji yehupenyu, isingasviki makore gumi. Izvi hazvisi nekuti ava vanokwereta vanobhadhara chikwereti munguva yekurekodha. Varidzi vedzimba vanowanzo gadziridza imba nyowani kana kutenga imba nyowani nguva isati yasvika. Maererano neNational Association of REALTORS® (NAR), vatengi vanongotarisira kugara mumba yavanotenga kweavhareji yemakore gumi nemashanu.

Saka nei iyo yemakore makumi matatu sarudzo iri avhareji yetemu yezvivakwa zvembambi muUnited States? Kukurumbira kwayo kune chekuita nezvinhu zvakati kuti zvakasiyana, semibairo yembanje iripo, muripo wepamwedzi, rudzi rwemba iri kutengwa, kana zvinangwa zvemari zvemukwereti.

Inguva yakadii inobhadharwa pachikwereti chemakore makumi matatu?

Sezvo 2020 US mortgage mubereko wakakwira rekodhi, kutengesa kwemba kwakawedzera gore rose. Freddie Mac data inoratidza kuti chiyero chemubereko pamakumi matatu-makore ezvibodzwa zvakatemerwa, kusasanganisa mubhadharo nemapoinzi, zvakawira pasi pe30% muna Chikunguru 3 kekutanga parekodhi. Pakati peaya mareti emba ekudzikira, muna Mbudzi 2020, kutengeswa kwedzimba kutsva uye kwavepo kwaive ne2020% uye 20,8% yakakwira, zvichiteerana, kupfuura gore rapfuura, sekureva kweCensus Bureau data.

Iyo nzira yekubhadhara imba inozivikanwa seamortization. Fixed-rate mortgages ine mubhadharo wepamwedzi wakafanana muhupenyu hwese hwechikwereti, kunyangwe mari yakabhadharwa kune mukuru uye mhindu yachinja nekuti muripo wemari inoverengerwa zvichienderana nesarasara yembavha. Saka, chikamu chemubhadharo wepamwedzi wega wega chinoshanduka kubva pakunyanya kufarira kuenda pakuva mukuru wechikwereti mukati mechikwereti. Pazasi pane kupatsanurwa kwechirongwa chekubhadhara chikwereti chemadhora mazana maviri emakumi matatu emakore ekugadzirisa chiyero che30% APR.