Meaning of the mortgage
Chikwereti-ku-value (LTV) ongororo yengozi yechikwereti iyo masangano ezvemari nevamwe vanokweretesa vanotarisa vasati vabvumidza imba yemba. Kazhinji, kuongororwa kwechikwereti kune yakakwira chikwereti-ku-value reshiyo inonzi riskier zvikwereti. Naizvozvo, kana iyo mortgage yakabvumidzwa, chikwereti chine mubereko wepamusoro.
Pamusoro pezvo, chikwereti chine chiyero chepamusoro cheLTV chingada kuti mukwereti atenge mortgage inishuwarenzi kuti abvise njodzi kune mukweretesi. Iyi inishuwarenzi yerudzi urwu inonzi private mortgage insurance (PMI).
Chiyero cheLTV chinoverengerwa nekugovanisa mari yakakweretwa nemutengo wakayerwa wepfuma, inotaridzwa sechikamu. Somuenzaniso, kana iwe ukatenga imba inotaridzirwa pa $ 100.000 nokuda kwekukosha kwayo, uye iwe ubhadhara pasi pe $ 10.000, iwe unokwereta $ 90.000. Mhedzisiro ndeyeyero yeLTV ye90% (kureva 90.000/100.000).
Kusarudza chiyero cheLTV chinhu chakakosha chekunyora pasi remba. Inogona kushandiswa mukugadzirisa kutenga imba, kudzorerazve chikwereti chemazuva ano muchikwereti chitsva, kana kutora chikwereti chinopesana nekuenzanisa mune imwe nzvimbo.
Real estate investment value
Chinyorwa ichi chinoda mamwe mashoko kuti chionekwe. Ndokumbirawo mubatsire kuvandudza chinyorwa ichi nekuwedzera zvinyorwa kubva kunzvimbo dzakavimbika. Zvinhu zvisina kuwanikwa zvinogona kupikiswa uye kubviswa. Tsvaga Kwazvakabva: "Chikwereti Chemba" - Nhau - Mapepanhau - Mabhuku - Zvedzidzo - JSTOR (Kubvumbi 2020) (Dzidza sei uye rinhi kubvisa chinyorwa ichi patemplate)
Vakwereta vemortgage vanogona kunge vari vanhu vari kuisa imba yavo mudzimba kana vanogona kunge vari makambani anokweretesa zvivakwa zvekutengesa (semuenzaniso, nzvimbo dzebhizinesi ravo, nzvimbo dzekugara dzakarendwa kuvaroja, kana mari yekudyara). Mukweretesi anowanzo inzvimbo yezvemari, senge bhangi, mubatanidzwa wechikwereti kana kambani yekukwereta, zvichienderana nenyika iri kutaurwa, uye zvibvumirano zvechikwereti zvinogona kuitwa zvakananga kana zvisina kunanga kuburikidza nevarevereri. Hunhu hwezvikwereti zvembatya, sehuwandu hwechikwereti, kukura kwechikwereti, mubereko wemari, nzira yekubhadhara chikwereti uye mamwe maitiro, anogona kusiyana zvakanyanya. Kodzero dzemukweretesi kumudziyo wakachengetedzwa dzinoisa pamberi pevamwe vakweretesi vemukwereti, zvinoreva kuti kana mukwereti akabhuroka kana kutadza kuita mari, vamwe vakweretesi vanongowana muripo wezvikwereti zvavanenge vakwereta nekutengesa midziyo. inobhadharwa zvizere kutanga.
Mortgage Value Calculator
A mortgage appraisal imhando yeongororo chaiyo inoitwa nemukweretesi wemondgage kubatsira kusimbisa kukosha kweimba. Inoshandiswawo kuona kana chivako chacho chichizokodzera chibatiso chechikwereti chawanyorera. Mukweretesi kazhinji anoronga kuongororwa kwemortgage.
Pamusoro pekusimbisa kukosha kwenzvimbo uye chibatiso chakaringana chechikwereti, iyo mortgage appraial inobatsirawo mukweretesi kuverenga chiyero chechikwereti-ku-value (LTV). Iyi ndiyo mari yaunoda kukwereta maringe nekukosha kwemba. Chikwereti-ku-value reshiyo inotemesa mareti emubereko wemongi yaunokodzera kuwana.
Mortgage kuyerwa kwezvivakwa zvakagadzirirwa kutengwa kwemba kunosanganisirawo inofungidzirwa kana inogona "kurenda kukosha", zvichienderana nerendi inowanikwa munzvimbo iyi. Izvi zvinobatsira mukweretesi kuverenga mari yechikwereti, kana chiyero cheLTV, pamari yekutenga imba.
Dzimwe nguva mukweretesi anogona kukumbira chivakwa chakaremara waranti (SDW) kana nzvimbo yacho isingasviki makore gumi, kana kuti yakagadziridzwa zvakanyanya kana kushandurwa. Iyo SDW inopihwa nemugadziri kana kuwanikwa nemuridzi wekutanga. Izvo zvakagadzirirwa kuvhara mari yekugadzirisa kana kugadzirisa basa rinobva mukukanganisa kwemaitiro muzvivako zvitsva.
Mortgage Calculator
Chikwereti-ku-value (LTV) chiyero chekuongorora njodzi yechikwereti iyo masangano emari nevamwe vanokweretesa vanoongorora vasati vabvumidza imba yemba. Kazhinji, kuongororwa kwechikwereti nechikwereti chepamusoro-ku-value reshiyo inoonekwa seyakanyanya njodzi zvikwereti. Naizvozvo, kana iyo mortgage yakabvumidzwa, chikwereti chine mubereko wepamusoro.
Pamusoro pezvo, chikwereti chine chiyero chepamusoro cheLTV chingada kuti mukwereti atenge mortgage inishuwarenzi kuti abvise njodzi kune mukweretesi. Iyi inishuwarenzi yerudzi urwu inonzi private mortgage insurance (PMI).
Chiyero cheLTV chinoverengerwa nekugovanisa mari yakakweretwa nemutengo wakayerwa wepfuma, inotaridzwa sechikamu. Somuenzaniso, kana iwe ukatenga imba inotaridzirwa pa $ 100.000 nokuda kwekukosha kwayo, uye iwe ubhadhara pasi pe $ 10.000, iwe unokwereta $ 90.000. Mhedzisiro ndeyeyero yeLTV ye90% (kureva 90.000/100.000).
Kusarudza chiyero cheLTV chinhu chakakosha chekunyora pasi remba. Inogona kushandiswa mukugadzirisa kutenga imba, kudzorerazve chikwereti chemazuva ano muchikwereti chitsva, kana kutora chikwereti chinopesana nekuenzanisa mune imwe nzvimbo.
