Ndeipi nguva yakanakisa yekuseta mubereko wemortgage?
MortgagesZvakanakira nezvazvakaipira zvekusiyana-siyana uye zvakatemerwa mwero wembavha…Mitauro Inowanikwa Daragh CassidyChief MunyoriVakawanda uye vanhu vakawanda vari kusarudza mareti akatarwa pamusoro pemitengo yakasiyana nekuti inopa kugadzikana uye runyararo rwepfungwa. Zvakadaro, imwe neimwe mubereko ine zvayakanakira nezvayakaipira. Iwe unogona kuziva mutsauko uripo pakati pekusiyana kwemwero wemortgage uye yakatarwa chiyero chemondi (kana iwe usingadaro, tinya apa), asi iwe unoziva zvakanakira nezvayakaipira zveumwe neumwe? Uye unoziva here kuti ndeipi mhando inonyatso kuenderana nezvido zvako?
Kuchinja pasina mubvunzo ndiyo mukana mukuru wechiyero chinoshanduka. Iwe haufanirwe kunetseka pamusoro pezvirango kana iwe uchida kuwedzera mari yako yemwedzi yekubhadhara imba, bhadhara nekukurumidza kana kushandura vanokweretesa, uye iwe unogona zvakare kubatsirwa nekudonha kwemitengo yezvibereko zveECB (kana mukweretesi wako achivapindura).
Mareti akasiyana haapi kugadzikana kana kufanotaura, zvinoreva kuti uri patsitsi dzekuchinja kwemitengo. Hongu, mubereko unogona kudzika mukati menguva yechikwereti, asi unogona zvakare kukwira. Kuchinja kwemareti kwakaoma kufanotaura uye zvakawanda zvinogona kuitika mukati memakore makumi maviri kana makumi matatu emukwereti, saka unogona kunge uri kuzviisa munzvimbo isina njodzi mune zvemari nekusarudza mwero wakasiyana.
Ndinofanira kuwana 10-year fixed mortgage?
Isu tiri yakazvimirira, ad-inotsigirwa kuenzanisa sevhisi. Chinangwa chedu ndechekukubatsira kuita sarudzo dzemari dzakangwara nekupa maturusi ekudyidzana uye macalculator emari, kuburitsa zvepakutanga uye zvisina tsarukano, uye kubvumidza iwe kuti uite tsvagiridzo uye kuenzanisa ruzivo rwemahara, kuti iwe ugone kuita sarudzo dzemari nechivimbo.
Izvo zvinopihwa zvinoonekwa pane ino saiti zvinobva kumakambani anotiripa. Muripo uyu unogona kukanganisa kuti zvigadzirwa zvinoonekwa sei uye kupi pane ino saiti, kusanganisira, semuenzaniso, kurongeka kwazvinogona kuoneka mukati mezvikamu zverondedzero. Asi muripo uyu haukonzeri ruzivo rwatinoburitsa, kana wongororo yaunoona pane ino saiti. Isu hatisanganisire zvakasikwa zvemakambani kana zvipo zvemari zvinogona kuwanikwa kwauri.
Isu tiri yakazvimiririra, inotsigirwa nekushambadzira sevhisi yekuenzanisa. Chinangwa chedu ndechekukubatsira kuita sarudzo dzemari dzine hungwaru nekupa maturusi ekudyidzana uye macalculator emari, kuburitsa zvepakutanga uye zvine chinangwa, uye nekukubvumidza iwe kuita tsvagiridzo uye kuenzanisa ruzivo rwemahara, kuti iwe ugone kuita sarudzo dzemari nechivimbo.
Good fixed rate mortgage
Fixed-rate mortgages inowanzova sarudzo yekutanga kune vanokwereta, ichipa mubereko chengetedzo uye kudzoreredza kwakagadziriswa izvo zvinogona kuita kuti nzira yekutenga imba ive nyore uye ingangoita yakachipa. Asi mubvunzo ndewokuti: iwe unofanirwa kuvhara kwenguva yakareba sei muchikwereti chako? Gwaro iri rinokurukura nezvesarudzo zvakadzama.
A fixed-term mortgage inoreva chibvumirano chemondi umo mubereko unotarwa kwenhamba yakatarwa yemakore, inozivikanwa setemu yekutanga. Mari yemubereko icharamba isina kuchinjika panguva ino uye ndizvo zvichaitawo zvikwereti zvepamwedzi, izvo zvinoita kuti vanokwereta vatore bhajeti nemazvo, sezvo vachizoziva chaizvo kuti mari yavo yembavha ichave yei.
Sezvo zvikwereti zvakatarwa ndizvo chaizvo zvavanonzwika se-mortgages ine mubereko wakagadziriswa-maitiro acho ari nyore. Iwe unosarudza temu yekutanga inokodzera iwe uye unogona kutenga uchitenderedza kuti uwane mibairo yakanakisa pachikwereti chako, uye mukweretesi wako achakuudza zvikamu zvauchada kubhadhara panguva yekutanga.
Chinonyanya kukosha, mubereko uye zvikamu zvinotevera hazvishanduke, zvisinei kuti chii chinoitika kumareti emubereko zvakazara. Izvi zvinoreva kuti kana Bhengi reEngland raizowedzera chiyero chepasi panguva yakatarwa yechikwereti chako, chiyero chako chaisazokanganiswa (kunyangwe, nechiratidzo chimwechete, kana chiyero chepasi chaizodonha, chiyero chako hachizodzikiswa. nechiyero chimwechete). chiyero).
UK interest rates
Kubva munaKurume 28, 2018, ongororo yeBankrate.com yevanokweretesa yakashuma mitengo yembavha se4,30% yemakore makumi matatu akagadziriswa, 30% yemakore gumi nemashanu akagadziriswa, uye 3,72% kwemakore mashanu ekutanga pane 15/4,05 inogadziriswa. mutengo wemortgage (ARM). Aya ndiwo mavhareji enyika; Mortgage rates inosiyana nenzvimbo uye zvinoenderana zvakanyanya nechikwereti mamaki.
Saka danho rekutanga pakusarudza kuti fixed-rate mortgage here kana kuti ARM ndiyo yakanyanya kunaka pamusika wanhasi kutaura nevakweretesi vakati wandei kuti muzive kuti ndeipi mhindu yaunokodzera kuwana uye kuti ndeapi mazwi echikwereti ane musoro kwauri. kiredhiti chibodzwa, mari yaunowana, zvikwereti zvako, mubhadharo wepasi uye mubhadharo wepamwedzi waunokwanisa.
Kana tikatarisa chete pamubhadharo wepamwedzi wega wega, iyo variable rate mortgage inoita seyakanakisa sarudzo. Ndiyo sarudzo yakachipa pamadhora gumi nemashanu pamwedzi. Kuwedzera kwechikwereti chako, ndiko kuwedzera kwekuchengetedza pamwedzi. Kana vakakukweretesa hafu yemiriyoni, iwe unochengetedza madhora makumi manomwe nematatu pamwedzi uine mubereko wakasiyana.
Heano mashandiro anoita maARM akasanganiswa: A 5/1 ARM, semuenzaniso, ine mubereko wakamisikidzwa wemakore mashanu ekutanga, inonzi nguva yekusuma. Mushure meizvozvo, mubereko unogadzirisa kamwe pagore kune yasara yenguva yechikwereti (titi, mamwe makore makumi maviri nemashanu). Kune maARM anogadziriswa kashoma pane kamwe pagore, senge 25/3 uye 3/5 ARMs, asi anogona kunetsa kuwana. Iyo yakareba nguva yekutanga, mudiki mutsauko uripo pakati pechibereko cheARM uye yakatarwa-chiyero chemortgage chibereko.
