Makore mangani anogona kuisirwa mari yehomwe yepamusoro?

35-yemakore muganhu wezvikwereti zvemba

Clydesdale Bank yakazivisawo kuti nguva yepamusoro yekubhadhara zvikwereti zvekugara zvinodarika makumi masere neshanu muzana echikwereti-ku-value reshiyo ichave makore makumi matatu nemashanu. Iyo yakanyanya temu yekugara amortization mortgages inosvika 85% yechikwereti-ku-value reshiyo inoramba iri pamakore makumi mana. Iko hakuna shanduko kunguva yedu yepamusoro yekugara-chete-chete kana BTL renji, uko iyo yakanyanya nguva inoramba iri makore makumi maviri nemashanu.

Kuita musangano nemumwe wevarairidzi vedu vemortgage, zadza fomu redu rekubvunza remba kana remibvunzo uye tichakufonera. Ndokumbira utarise kuti nekuendesa ruzivo urwu, urikubvuma kufonerwa nezve zvaunoda zvembanje.

Iwe unosarudza nekuzvidira kutipa iwe pachako data paunenge uchiendesa kubvunza. Ruzivo rwako rwakavanzika uye rwunochengetwa zvinoenderana nezvinodiwa zvekuchengetedza data. Verenga mutemo wekuvanzika weTrinity Financial.

100 yemakore mortgage muUK

Kana uchinge wasvitsa makumi mashanu, sarudzo dzemortgage dzinotanga kuchinja. Izvi hazvirevi kuti hazvibviri kutenga chivako kana uri pazera rekurega basa, asi zvakakosha kuti unzwisise kuti zera rinogona kukanganisa sei zvikwereti.

Kunyangwe vazhinji vanopa zvikwereti vachiisa miganhu yezera, izvi zvinoenderana nekuti waunosvika kupi. Uyezve, kune vanokweretesa vanonyanya kugadzira zvigadzirwa zvemortgage, uye isu tiri pano kuti tikuratidze gwara chairo.

Gwaro iri rinotsanangura mabatiro ezera pazvikumbiro zvembavha, mashandisiro aunoita sarudzo nekufamba kwenguva, uye tarisiro yezvigadzirwa zvemudyandigere. Madhairekitori edu ekuburitswa kwemari uye zvikwereti zvehupenyu zviripo zvakare kune rumwe ruzivo rwakadzama.

Sezvaunokura, unotanga kuisa njodzi huru kune vakajairwa vanopa mari yembavha, saka zvinogona kunetsa kuwana chikwereti gare gare muhupenyu. Sei? Izvi zvinowanzoitika nekuda kwekudonha kwemari kana hutano hwako, uye kazhinji zvese zviri zviviri.

Mushure mekunge waenda pamudyandigere, hauchawana muhoro wenguva dzose kubva kubasa rako. Kunyangwe uine penjeni yekudzokera pairi, zvinogona kunetsa kune vanokweretesa kuti vazive chaizvo zvauchawana. Mari yako inogonawo kudzikira, izvo zvinogona kukanganisa kugona kwako kubhadhara.

Mhando dze40-year mortgages

Justin Pritchard, CFP, inyanzvi yekubhadhara uye nyanzvi yezvemari. Inovhara kubhengi, zvikwereti, mari, zvikwereti uye zvimwe zvakawanda zveThe Balance. Ane MBA kubva kuYunivhesiti yeColorado uye akashandira masangano ezvikwereti uye mafemu makuru emari, pamwe nekunyora nezvemari yemunhu kweanopfuura makore makumi maviri.

Charles inyanzvi yemisika mikuru inozivikanwa munyika yose uye mudzidzisi ane makore anopfuura makumi matatu ane ruzivo nekugadzira zvirongwa zvekudzidzisa zvakadzika zvevashandi vezvemari vachiri kusimukira. Charles akadzidzisa kuzvikoro zvakasiyana zvinosanganisira Goldman Sachs, Morgan Stanley, Societe Generale nemamwe akawanda.

Zvisinei, nokuti chikwereti chacho chakareba makore gumi, mari inobhadharwa pamwedzi pachikwereti chemakore makumi mana ishoma pane pachikwereti chemakore makumi matatu, uye musiyano wacho wakatokura kana uchienzaniswa nechikwereti chemakore gumi nemashanu. Kubhadhara kudiki kunoita kuti zvikwereti zvirefu izvi zvitaridzike kune vatengi vano:

Sezvo 40-year-mortgages isiri yakawanda, yakaoma kuwana. Iwe haugone kuwana chikwereti cheFHA chemakore makumi mana, uye vazhinji vevakweretesi vakuru havapi zvikwereti kwemakore anopfuura makumi matatu. Iwe unozoda kiredhiti yakanaka kuti ukwanise kuwana imwe kana ukaiwana, uye mubereko pazvikwereti izvi unogona zvakare kukwira.

40 year mortgage

Parizvino Nyika Yese vanokwereta vane nguva yekubhadhara imba inodarika makore makumi manomwe neshanu emunyoreri vanogona kutora imba nyowani yenguva yasara yechikwereti chavo chazvino, chero vakazadzisa mamwe maitiro echikwereti (ona zvimwe pasi).

Kana munhu anenge akumbira aine chimiro chekugara kana kugarwa kare uye asina kupihwa green kadhi yebiometric, gwaro "tarisa kuti mumwe munhu akamira sei" rinogamuchirwa. Munyoreri anogona kuzviwana pawebhusaiti yeBazi remukati memukati achishandisa yakasarudzika kodhi yekuita yakapihwa kwaari.

Kana munyoreri achibva kuEU kana EEA nyika, kana kubva kuSwitzerland, ivo havazowana kadhi rinoratidza mamiriro avo ekutanga-kugarwa kana kugadzikana. Mamiriro acho anongowanikwa online uye anopupurirwa negwaro "Tarisa mamiriro emunhu ekubvakacha".

Kana chikumbiro chevatengi vako chapera, vanozogashira chiziviso chekutanga chekubhadhara mukati memazuva manomwe ebhizinesi vachivazivisa nezvekutanga kubhadhara kwembavha uye kuti ichachajwa kuaccount yavo.

Kubhadhara kwevatengi vako kwekutanga kungangopfuura mubhadharo wako wepamwedzi wega wega. Izvi zvinodaro nekuti ichasanganisira mubereko kubva pazuva ratinoburitsa mari yacho kusvika pakupera kwemwedzi iwoyo, pamwe nekubhadhara kwako kwakajairika pamwedzi unotevera.