Ko izwi remakore gumi ekubhadhara kusvika kumakore makumi matatu rinorevei?
Kuva nemba ndicho chiroto chevanhu vakawanda. Asi ngationei kuti kutenga imba hakudhure. Zvinoda mari yakawanda iyo vazhinji vedu hatizombokwanisi kupa. Ndicho chikonzero mari yemortgage inoshandiswa. Mortgages inobvumira vatengi kutenga nzvimbo uye kuibhadhara nekufamba kwenguva. Nekudaro, iyo mortgage yekubhadhara system hachisi chinhu chinonzwisiswa nevanhu vazhinji.
Chikwereti chechikwereti chinoderedzwa, zvinoreva kuti chinopararira pamusoro penguva yakafanotemerwa kuburikidza nekubhadharwa kwemondi. Kana nguva iyoyo yapera - semuenzaniso, mushure memakore makumi matatu ekubhadhara mari - chikwereti chabhadharwa uye imba ndeyako. Kubhadhara kwega kwega kwaunoita kunomiririra musanganiswa wekufarira uye principal amortization. Chiyero chemubereko kune chikuru chinoshanduka muhupenyu hwese remba. Chaungasaziva ndechekuti mari yako yakawanda inobhadhara chikamu chepamusoro chekufarira mumatanho ekutanga echikwereti. Ndiwo mashandiro azvinoita zvese.
Mortgage interest ndiyo yaunobhadhara pachikwereti chako chemondi. Inobva pamari yemubereko yakabvumiranwa panguva yekusaina kondirakiti. Kubereko kunowanikwa, zvichireva kuti mari yechikwereti inobva pane mukuru pamwe nemhindu yakawedzerwa. Mareti anogona kugadziriswa, ayo anoramba akatsiga kwehupenyu hwemortgage yako, kana kuchinjika, iyo inogadzirisa pamusoro penguva dzakati wandei zvichienderana nekushanduka kwemitengo yemusika.
Amortization chirongwa chine mubhadharo wakagadziriswa pamwedzi
Iyo amortization hurongwa irekodhi rechikwereti chako chekubhadhara chinoratidza mukuru uye mari yemubereko inosanganisirwa mukubhadhara kwega kwega. Iyo purogiramu inoratidza kubhadhara kwese kusvika pakupera kwenguva yechikwereti. Kubhadhara kwega kwega kunofanirwa kunge kwakafanana panguva - zvisinei, iwe unozokwereta mubereko kune yakawanda kubhadhara. Kuwanda kwekubhadhara kwega kwega kuchava mukuru wechikwereti. Mutsetse wekupedzisira unofanirwa kuratidza huwandu hwemubereko wawakabhadhara uye mubhadharo mukuru wetemu yese yechikwereti.
Maitiro ekutora imba yemba anogona kunetsa, kunyanya kune vanotanga kutenga imba. Mazhinji ematemu ane chekuita nembavha anogona kunge ari matsva kwauri, senge zvikwereti zvinoenderana, zvikwereti zvisingaenderane, mibairo yakatarwa, mibairo inogadzirika, uye zvirongwa zvekubhadhara chikwereti.
Chii chinonzi amortization yechikwereti? Kukwereta kwechikwereti ndiyo nguva yekubhadhara hurongwa hwechikwereti uye inopa vanokwereta pfungwa yakajeka yezvavanozobhadhara mune yega yega amortization kutenderera. Iwe uchave neyakagadziriswa uye inowirirana yekubhadhara hurongwa mukati menguva yese yechikwereti chako.
Mortgage Calculator
Kunyangwe iwe uri kufunga kunyorera remba kana chero imwe mhando yemari, unofanirwa kuve nechokwadi chekuti unonzwisisa nzira yekubhadhara yezvikwereti izvi. Nenzira iyi, iwe unozogona kuzvizivisa iwe zvakanaka usati watora chisungo chekudzorera.
Pazvikwereti zvizhinji, kusanganisira zvikwereti, zvose mukuru uye mubereko zvinobhadharwa panguva yechikwereti. Izvo zvinosiyana kubva kune imwe chikwereti kune imwe chiyero pakati pezviviri, izvo zvinotarisa mwero wekubhadhara kwemukuru uye mubereko. Muchinyorwa chino tichakurukura zvizere amortizing zvikwereti uye tizvienzanise nezvimwe zvimiro zvekubhadhara.
Izwi rekuti amortization ishoko rechikwereti rinofanirwa netsanangudzo yaro. Amortization inongoreva huwandu hwemukuru uye mubereko unobhadharwa mwedzi wega wega mukati menguva yechikwereti. Pakutanga kwechikwereti, mari yakawanda yekubhadhara inoenda kumubereko. Pamusoro penguva yechikwereti, chiyero chinononoka zvishoma neimwe nzira kusvikira, pakupera kwetemu, inenge yose yekubhadhara inoenda kukubhadhara mukuru, kana chikwereti chechikwereti.
Kana zvikwereti zvabhadharwa mari yemwedzi ndeye
Zvikamu zviviri zvakakosha zvechero rendi ndiyo nguva yeamortization uye nguva yemortgage. Zvinhu zviviri izvi hazvingotarise kuti pauchave wakasununguka pamari yemba, asi zvichabatsirawo kutsanangura mari yako yese, mareti emubereko uye mubhadharo wepamwedzi.
Kana tichienzanisa, nguva yakareba yeamortization inoreva mubhadharo wepamwedzi wakaderera asi mubereko wakawanda unobhadharwa pamusoro pehupenyu hwechimba chako. Kunyange izvi zvichikwanisa kukupa imba inodhura, zvinotora nguva yakareba kubhadhara chikwereti chako.
Nguva yemakore makumi maviri neshanu yeamortization ndiyo chiyero kune vazhinji vekuCanada uye iyo yakanyanya nguva inotenderwa dzimba dzine inishuwarenzi neCMHC. Sezvo zvikwereti zvine mubhadharo we25% kana zvishoma zvichida inishuwarenzi yeCMHC, iwe uchafanirwa kuita mubhadharo wakakura (20% kana kupfuura) kuchengetedza nguva yakareba yeamortization, senge makore makumi matatu kana makumi matatu nemashanu.
Iyo amortization chirongwa kana tafura inotsanangura hurongwa hwekubhadhara kwega kwega kwauchaita kwehupenyu hwese hwemba yako. Inowanzo kuratidzwa kwegore rega rega renguva yeamortization. Inoratidza kuti yakawanda sei yemubhadharo wega wega unoenda kune mukuru wechikwereti uye inoshanda kune mhindu.
