Amortized
Kunyangwe iwe uchida kunyorera remba kana chero imwe mhando yemari, iwe unofanirwa kuve nechokwadi kuti unonzwisisa amortization modhi 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.
Linear amortization
Kune vanhu vazhinji, kutenga imba ndiko kudyara kukuru kwemari kwavachaita. Nekuda kwemutengo wayo wakakwira, vanhu vazhinji vanowanzoda remba. Mortgage imhando yechikwereti chakabhadharwa icho chikwereti chinodzoserwa muzvikamu zve periodic pane imwe nguva yenguva. Nguva yeamortization inoreva nguva, mumakore, iyo mukwereti anosarudza kuzvipira kubhadhara chikwereti.
Kunyangwe iyo inonyanya kufarirwa mhando ndeye 30-year-fixed-rate mortgage, vatengi vane dzimwe sarudzo, kusanganisira 15-year-mortgages. Nguva yeamortization haikanganisi chete iyo nguva ichatora kubhadhara chikwereti, asiwo huwandu hwemubereko huchabhadharwa muhupenyu hwese hwemumba. Nguva dzekubhadhara dzakarebesa dzinowanzoreva miripo midiki yepamwedzi uye mibairo yakakwira mukati mehupenyu hwechikwereti.
Kusiyana neizvi, nguva shoma dzekubhadhara dzinowanzoreva mubhadharo wepamwedzi wakakwira uye mutengo wakaderera wemhindu. Ipfungwa yakanaka kune chero munhu ari kutsvaga imba yemba kuti atarise akasiyana ekubhadhara sarudzo kuti awane iyo inonyatso kuenderana nehutungamiriri uye inogona kuchengetedza. Pazasi, isu tinotarisa akasiyana emortgage amortization maitiro emazuva ano vanotenga dzimba.
Ndezvipi zvezvinhu zvinotevera zvakasanganisirwa muhurongwa hwemari yechikwereti chemba?
Kana iwe uri muridzi wemba uye watanga maitiro ekubhadhara chikwereti chako, wakatarisana nechinhu chinonzi mortgage amortization. Amortization chiito chekubvisa chikwereti nekuita mubhadharo wenguva nenguva pane yakatarwa chirongwa. Kuve neruzivo rwakajeka rwekuti unoshanda sei kwakakosha kana uri kuyedza kubhadhara chikwereti chako. Kana iwe uchida mamwe mazano anoshanda paunenge uchifamba mukuita, funga kutsvaga chipangamazano wezvemari.
Principal ndiyo mari inokweretwa nemunhu kune mukweretesi. Saka, kana iwe ukatora $250.000 yembavha, yako yekutanga chiyero i $250.000. Mubereko, chokwadi, komisheni inobhadhariswa nemukweretesi nekubvumidza iwe kushandisa mari yayo. Nekuda kwekufarira, chaunokwereta pamusha chinodarika $250.000 yawakatora kuti uwane mari yekutenga.
Nokubhadhara chikwereti cheimba yako, uri kubhadhara chikwereti, asi hausi kungobhadhara mari yawakwereta. Muchokwadi, paunotanga kubhadhara mari yembavha, yakawanda yemari yako inoenda kunobhadhara mubereko. Zvishoma kwazvo zvichashandiswa kuvhara chiyero chikuru kusvika pedyo nekunopera kwechirongwa cheamortization.
kubhadhara chikwereti
Kunyorera chikwereti cheimba kekutanga kunogona kuve chiitiko chinokatyamadza. Iwe unozofanirwa kuisa akawanda mapepa. Mukweretesi achatarisa chikwereti chako. Iwe uchafanirwa kuchengetedza zviuru zvemadhora kubhadhara mubhadharo wepasi, mutero wezvivakwa uye mutengo wekuvhara.
Kubhadhara nechikwereti chakatarwa, chikwereti uko mubereko usingachinje, ucharamba uripo. Vanogona kukwira kana kudzika zvishoma kana mitero yezvivakwa kana mari yeinishuwarenzi ichikwira kana kudzika.
A variable rate mortgage inoshanda zvakasiyana. Murudzi urwu rwechikwereti, mubereko ucharamba wakatemerwa kwenhamba yakati yemakore, kazhinji 5 kana 7. Pashure pacho, mubereko unochinja nguva nenguva -zvichienderana nerudzi rwemortgage yakasiyana yawakatora- zvichienderana nekushanduka kwe index iyo chikwereti chakabatanidzwa. Izvi zvinoreva kuti mushure menguva yakatarwa, chiyero chako chinogona kukwira kana kudzika, zvichiita kuti mubhadharo wako wepamwedzi uite zvakafanana.
ARM mamortgages anounza kumwe kusava nechokwadi: Haumboziva kuti mari yekubhadhara imba inogona kuve yakadii mushure mekupera kwenguva yekutanga yakatarwa. Ndosaka vamwe vanokwereta vachidzorerazve maARM avo muzvikwereti zvakagadziriswa nguva isati yapera.
