Nguva pfupi yechikwereti chechikwereti
Mortgage imhando yechikwereti umo real estate inoshandiswa sechibatiso. Chikwereti chinowanzo shandiswa kubhadhara imba kana pfuma yekudyara, saka haufanirwe kubhadhara mari yese mberi. Mukwereti anodzorera chikwereti, ane mubereko uye mukuru, pane imwe nguva yenguva kuburikidza nekutevedzana kwe "kubhadhara." Mukweretesi anowanzo kunyorwa pazita reimba kusvikira mukwereti adzorera chikwereti chacho zvizere.
Fixed rate: Iyi imhando yemortgage umo mubereko unotarwa kweimwe nhambo yenguva, kazhinji pakati pegore rimwe namashanu. Saka kunyangwe mareti emukweretesi achikwira kana kudzika, iwe unobhadhara mubhadharo wakafanana wechikwereti chemari yenguva yese yakatarwa.
A fixed-rate mortgage isarudzo yakanaka kune vanhu vanoda kuita bhajeti zvakachengeteka. Inogona zvakare kuve sarudzo yakanaka kune vekutanga vanotenga imba kugadzirisa kumaitiro ekudzorera chikwereti, pamwe nevanoisa mari vanoda kuve nechokwadi chekuyerera kwakanaka uye kunogara kuripo mumari yavo yekudyara.
Avhareji Yenguva yeMortgage
Avhareji yekubhadhara nguva yekutenga imba ndeye makore makumi maviri nemashanu. Nekudaro, maererano neongororo yakaitwa nemortgage broker L&C Mortgages, nhamba yevatengi vekutanga-yekutenga yemakore makumi matatu neshanu kusvika makumi matatu nemashanu yakawedzera zvakapetwa kaviri pakati pa25 na31.
Ngatitii uri kutenga £250.000 chivakwa pamutengo we3% uye une 30% dhipoziti. Kukwereta £175.000 pamusoro pemakore makumi maviri nemashanu kunokubhadhara £25 pamwedzi. Kana mamwe makore mashanu awedzerwa, mubhadharo wepamwedzi unodzikiswa kusvika pa830 pounds, nepo 738-year-mortgage yaizongoita 35 pounds pamwedzi. Ndiyo 673 pounds kana 1.104 pounds zvishoma gore negore.
Nekudaro, zvakakodzera kutarisa chibvumirano chemortgage kuti uone kana uchikwanisa kubhadhara. Kukwanisa kuzviita pasina zvirango kunokupa kushanduka-shanduka kana iwe ukakwidzwa kana kupera kwemari. Iwe unogona zvakare kubhadhara mari yekondirakiti kana nguva dzakaoma.
Zvakakosha kufunga nezvazvo, sezvo chero imwe mari yaunoisa mumbamba yako pamusoro peiyo yakajairwa mari yepamwedzi inopfupisa hurefu hwese hwembavha, zvichikuchengetera imwe mhindu pamusoro pehupenyu hwemumba.
Mortgage Calculator
FHA nhungamiro yechikwereti inotaura kuti nhoroondo yekutanga munzvimbo yazvino haidiwe. Nekudaro, mukweretesi anofanira kunyora makore maviri ebasa rapfuura, chikoro, kana basa rechiuto, uye kutsanangura chero mapundu.
Munyoreri anofanira kungonyora nhoroondo yebasa yemakore maviri apfuura. Hapana dambudziko kana mukweretesi akachinja basa. Nekudaro, munyoreri anofanira kutsanangura chero mapundu kana shanduko dzakakosha.
Zvekare, kana iyi yekuwedzera mubhadharo ikadzikira nekufamba kwenguva, mukweretesi anogona kuibvisa, achifunga kuti mari yacho haigare mamwe makore matatu. Uye pasina nhoroondo yemakore maviri yekubhadhara nguva yakawandisa, mukweretesi anogona kunge asingakubvumidze kuti uzvitore pane yako yekutenga imba.
Pane zvisizvo. Semuenzaniso, kana uchishandira kambani imwe chete, ita basa rimwe chete, uye uine mari yakafanana kana iri nani, shanduko yemubhadharo wako kubva pamuhoro kuenda kune yakazara kana chidimbu komisheni inogona kusakukuvadza.
Nhasi hazvishamisi kuti vashandi varambe vachishandira kambani imwe chete uye kuva "consultants", ndiko kuti, vanozvishandira asi vanowana mari yakafanana kana yakawanda. Vanyoreri ava vanogona kunge vachitenderedza mutemo wemakore maviri.
Chii chinonzi mortgage yenguva pfupi?
Ichi chikumbiro chemubatanidzwa chinongowanikwa chete nevamiriri. Kuti uwane ruzivo rwekuti ungaisa sei zvikumbiro panguva imwe chete yeThe Mortgage Works uye NFI, ndapota verenga yedu Rega Kutenga faira regwaro.
Kutibatsira kugadzirisa chikumbiro chako, ndapota tumira chikumbiro chako pasati papfuura mazuva gumi nemashanu chipo chisati chapera. Kana iwe uchiziva kuti mutengi wako haakwanise kupedzisa kupihwa mukati menguva yekuwedzera, ndapota zadza chikumbiro chitsva, sezvo pasina imwe yekuwedzera ichavepo.
zvakagamuchirwa. Inoshanda kana munhu akakumbira panguva imwe chete achipedza chikwereti chemba chemari imwe chete kana kuti yakakura uku achichengeta mubereko wakafanana wechikamu ichocho chembavha itsva pasina kuunza mari yekudzorera nekukurumidza. Zvichienderana nekusangana nemaitiro echikwereti chekambani panguva yekunyorera.
Zvikumbiro zvekutenga zvivakwa zvakawanikwa kuburikidza ne real estate investment clubs/makambani hazvigamuchirwi. Kazhinji aya ndiwo makambani anopa kutenga chivakwa nekukurumidza kubva kune mumwe mutengesi uye ochitengesa kune mumwe mutengi.
