Ndogadzirisa here imba yangu 2022 ireland
Pamusoro pekusarudza kubva kumarudzi akawanda ezvigadzirwa zvembavha, sezvakajairwa kana FHA, unewo sarudzo kana zvasvika pakuseta mubereko wekubhadhara imba yako. Pakutaura, kune marudzi maviri emitengo yemubereko ine zvinhu zvakawanda zvinosiyana kune ese akatarwa uye anogadziriswa mitengo.
Fixed zvinoreva zvakafanana uye zvakachengeteka, nepo kushanduka kunoreva shanduko uye njodzi. Kana ukaronga kugara mumba mako kwenguva yakareba, haungawanzo funga nezvechikwereti kunze kwechikwereti chemba. Kana iwe uchizokwanisa kufamba mukati memakore manomwe, ipapo inogadziriswa-chiyero chemondi (ARM) inokuchengetera mari. Zvingangoita gumi nembiri kubva muzana zvezvikwereti zvese zvemba maARM, kana mareti anochinjika.
Fixed rate zvikwereti zvinowanzoita 1,5 muzana yakakwirira pane inoshanduka kana inogadzirika zvikwereti. (Mazwi ekusiyana-siyana emortgages uye variable rate mortgages anoreva chinhu chimwe chete.) Iine ARM, mwero unoramba wakatemerwa kwemakore matatu, mashanu, kana manomwe uye wozogona kugadziriswa gore rega rega. Semuyenzaniso, kana iri yemakore mashanu inochinja-chinja chiyero chechikwereti, chikwereti ichi chinodaidzwa kuti 5/1ARM (makore mashanu akagadziriswa, uye anogadziriswa pamusi wegore rechikwereti).
Yakagadziriswa kana kuchinjika mortgage Ireland
Kutsvakurudza zvaunogona kuita kunogona kukuendesa kumakore makumi matatu ekugadzirisa zvikwereti, nzira yakakurumbira yekubhadhara mari. Asi chii chinonzi mortgage yemakore makumi matatu? Heino mhedziso yerudzi urwu rwechikwereti chaunogona kushandisa kuzvizivisa iwe nguva inotevera yaunotora chikwereti.
A 30-year fixed-rate mortgage chikwereti chikwereti chinozobhadharwa mumakore makumi matatu kana mari yose yakaitwa panguva yakatarwa. Nechikwereti chakamisikidzwa, mubereko unoramba wakafanana kweupenyu hwemondi.
Paunotaura nezve 30-year-fixed-rate mortgage, unenge uchingotaura nezve zvikwereti zvakajairwa. Zvikwereti zvakajairika hazvitsigirwe nehurumende; zvisinei, zvinokwanisika kuwana yakatarwa 30-gore FHA, USDA, VA, hurumende-insured chikwereti. Rocket Mortgage® haipe USDA zvikwereti panguva ino.
Zvikwereti zvakajairika zvinowira muzvikamu zviviri. Vamwe vari kutevedzera zvikwereti, zvichireva kuti vanosangana nemirau inotengeswa kuna Freddie Mac kana Fannie Mae. Vamwe havasi kutevedzera, zvichireva kuti havazadzise mirairo iyoyo.
Nekuda kwekusiyana kwemirau, zvikwereti zvakajairwa hazviteveri rondedzero yakatarwa yezvinodiwa zvikwereti. Nekudaro, ivo vanowanzove vane mitemo yakaoma kupfuura zvikwereti zvinotsigirwa nehurumende seFHA. Chikwereti chechikwereti che620 uye chikwereti-kune-income (DTI) chepasi pe50% chinowanzodiwa.
Sei mitengo yakasiyana-siyana yakakwirira kudarika yakatarwa mitengo?
Kana iwe uchitsvaga kukwereta inodarika $548.250, vanokweretesa mune dzimwe nzvimbo vanogona kukupa mazwi akasiyana pane akanyorwa patafura iri pamusoro. Iwe unofanirwa kusimbisa mamiriro acho nemukweretesi pamari yakumbirwa yechikwereti.
Mitero neinishuwarenzi zvisingabatanidzwi pamatemu echikwereti: Matemo echikwereti (mienzaniso yeAPR nemibhadharo) aratidzwa pamusoro apa haasanganisi nhamba dzemitero kana mari yeinishuwarenzi. Mari yako yekubhadhara pamwedzi ichakwira kana mitero nemaprimiyamu einishuwarenzi akabatanidzwa.
Iyi tafura inotevera inokwevera pamwechete ongororo yenyika yevakweretesi vemortgage kuti ikubatsire kuwana iwo anokwikwidza zvakanyanya mareti embangi. Iyi tafura yemubereko inovandudzwa zuva nezuva kuti ikupe iwe yazvino chiyero pakusarudza chikwereti chemba.
10-Year Mortgage FAQs Kutsvaga Yakanakisisa Mortgage Yako Kana uchinge wasarudza kuti ndeipi temu yakakunakira, ita shuwa yako yakafanira kuti uwane yakanakisa mortgage. (Heano marudzi mashanu emamortgages ekufunga nezvazvo.) Tsvagiridza uye enzanisa mitengo yemortgage kubva kumasangano akasiyana siyana, anogona kunge ari echinyakare mabhangi, vanokweretesa pamhepo uye vatengesi vemo. Gadzirira nekuongorora kiredhiti yako kuti uone kuti ichokwadi, uye uwane pfungwa yekuti imarii yaungabhadhara mwedzi wega wega. Nhau dzakanaka ndedzekuti chero nguva yegore inogona kunge iri nguva yakanaka yekutenga chikwereti. Makomisheni emakore gumi emukwereti achafanana neaya emamwe zvikwereti. Kana ukasarudza chikwereti chine nguva yakareba yekubhadhara uye wofunga kuti unoda kuibhadhara nokukurumidza-ti, mumakore gumi-verenga kuti mari yako yemwedzi ichange yakaita sei kana uine makore gumi ekubhadhara chikwereti uye uchibhadhara mari iyoyo mwedzi woga woga. Iva nechokwadi chekuraira mukweretesi wako kuti ashandise imwe mari kune mukuru wechikoro. Iyi isarudzo yakanaka kune vanokwereta vanoda kubhadhara nehasha asi vasingade kuvharirwa mukubhadhara kwakanyanya. Zvimwe zvekushandisa:
Kuipa kwechibereko chakasiyana
Mari yemubereko pachikwereti chetsb zvachose inogona kusiyana kubva pamitengo yakaratidzwa pane ino peji. APRC inomirira Annual Percentage Rate of Charge. LTV inomirira kuti Loan to Value. Iyo APRC yakataurwa ndeye APRC yakajairika yakavakirwa pachikwereti chinofungidzirwa che € 100.000 nenguva yemakore makumi maviri.
** Kana iri yegirinhi remba, unozofanira kupa bhangi humbowo hwekuti imba yako ine Building Energy Rating [BER] kubva paA1 kusvika B3 (inosanganisira). Kuti uwane rumwe ruzivo, ona peji redu pane green mortgage.
**Panyaya yechikwereti chegirini, unozofanirwa kupa humbowo kubhangi hunosimbisa kuti imba yako ine Building Energy Rating [BER] kubva paA1 kusvika B3 (inosanganisira). Kuti uwane rumwe ruzivo, ona yedu Green Mortgage peji.
Mutengo wekuderedzwa unozoshanda kwenguva yegore kubva pazuva rekupihwa chikwereti, asi unogona kuchinja mukati megore 1 rekuderedzwa (uye/kana chero nguva isati yadhonzwa chikwereti). Mushure megore 1, chiyero chako chekubhadhara chikwereti chinodzokera kune imwe yemitengo yedu yakasiyana-siyana inotungamirirwa maererano neLTV yako panguva yekupa chikwereti (iyi inenge iri 1% yakakwirira kudarika chiyero chako chekuderedza) »).
