Inguva yakanaka here yekudzosera mari yangu 2022 mortgage?
Pawakatanga kutora chikwereti chako, unogona kunge wakasaina mukana wakanaka chaizvo. Asi nekufamba kwenguva, musika wemortgage unoshanduka uye zvitsva zvinopihwa zvinoonekwa. Izvi zvinoreva kuti panogona kuve nedhiri iri nani kwauri ikozvino, iyo inogona kukuchengetedza mazana emapaundi.
Rangarira kutarisa kana paine mabviro kana makomisheni echigadzirwa mumamortgage matsva auri kudzidza uye, kana uchizobhadhara chikwereti chako nguva ichiripo, mari yekubhadhara kare yemukweretesi wako iyezvino.
Mumienzaniso iri pasi apa unogona kuona mari dzakasiyana-siyana dzaungabhadhara zvachose, panguva yakatarwa, pamwedzi uye mubereko, zvichienderana nekuti unogara here nechibvumirano chako chepakutanga kana kushandura kune imwe yesarudzo mbiri dzeremortgage.
Mutengo wose wechikwereti unobva pakuti mari ine chekuita nemortgage inobhadharwa pachine nguva uye haiwedzerwi kumortgage. Mari ine chekuita nemortgage inogona kusiyana pakati pevanopa uye kuwedzera mari kana yawedzerwa kuchikwereti. Mutengo pamusoro penguva yekutengeserana unobva pamutengo wekutanga unoramba wakafanana panguva iyoyo uye vanofungidzira kuti ichadzokera kune yakajairwa kuchinjika chiyero chemukweretesi kana SVR ye6%. Calculator ndeye amortization mortgage uko mhindu inoverengerwa pamwedzi. Mibairo inoshandiswa kumubereko wezuva nezuva kana mubhadharo mumwe chete uchiitwa pamwedzi. Nhamba dzakaratidzwa dzakatenderedzwa.
Chii chinonzi remortgage
Saka chii chinoita kuti mitengo yeMBS ichinje? Zvinhu zvakawanda, senge nemastock. Chirevo chakasimba chehupfumi chichakanganisa mitengo yeMBS, sezvinozoita isina simba. Kukwira kwemitengo yemafuta kuchakanganisa mitengo yeMBS, sekudonha.
Ikozvino, hazvisi zvese zvikwereti zvinovhara mumazuva makumi matatu. Kana uchitenga imba, semuenzaniso, kuvhara kunogona kutora mazuva makumi matanhatu kana kupfuura. Neraki, makiyi ekukiya anowanikwa kune mazwi akareba kupfuura mazuva makumi matatu.
Kazhinji, mubereko wemortgage unowedzera ne12,5 mapoinzi (0,125%) kwemazuva gumi nemashanu ega ega aunowedzera kuchivharo chako, kusvika kumazuva makumi mapfumbamwe. Kupfuura mazuva makumi mapfumbamwe, uchafanirwa kubhadhara mitengo yepamusoro uye isingadzoserwe muripo wekutanga.
Zvakare, iyo Bureau yeLabour Statistics inoburitsa iyo isiri yefarm payroll report paChishanu chekutanga chemwedzi wega wega. Chirevo chemabasa chinewo mhedzisiro yakakura pazvibatiso zvinotsigirwa nembangi, izvo zvinogona kutungamira mukusagadzikana kweChishanu.
Saka kuziva kuti mari dzembavha dzembavha dzinochinja sei, kana uri werudzi rwune njodzi unoda kudzingirira mwero wakaderera, funga kumirira kusvika Chitatu kana Chishanu kuti uvhare chimwe chinhu. Mikana yemitengo yemortgage inodonha mumazuva maviri aya yakakura.
Natwest Remortgage
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.
Inguva yakanaka yekubhadhara mari here?
Gadzira zvirongwa zvechidzidzo, mapepa egiredhi, uye zadza makadhi emishumo uye ongororo. Upenyu hwako semudzidzisi hunosanganisira zvakawanda zvekunyora. Kunyangwe mazhinji emapepa aya achiitwa zvemagetsi nhasi, anogona kunge achiri akawanda kuenderana nawo.
Zvinoenderana neongororo yeAngus-Reid, makumi maviri nenomwe muzana evabati vemondgage vekuCanada vanorega mbavha dzavo dzichingovandudza pasina kufunga kechipiri. Iyi nzira yekusakendenga yekuvandudza inogona kureva kuti unorasikirwa nemikana yekuchengetedza mari uye kutora mukana wezvinyowani uye zvigadzirwa zvemondi zvinogona kukwana zvirinani zvaunoda.
Mari dzemubereko dzazvino uno dzinofananidzwa sei nezvauri kubhadhara izvozvi? Dzakaderera here? Vari kukwira? Kuziva izvo mamwe masangano ezvemari ari kupa zvichienzaniswa nechiyero chako chazvino zvinokupa iwe zano remukamuri yekutenderedza yauchafanirwa kutaurirana (nekuti unenge uine wiggle room, ona zano #2).
Bhangi rakafanana nemamwe bhizinesi: chinangwa chayo kuita mari. Saka, funga nezve yakabudiswa mubereko senhamba iyo bhangi inoda kukutengesera (kuti uwane purofiti yakawanda pamubereko waunobhadhara). Ichi chiverengero kazhinji chine nzvimbo yakawanda yekufambisa kuderedzwa. Saka usatya kutaurirana.
