Vakweretesi vemortgage vanoita sei mari?
Usati watenga imba, unofanirwa kusarudza wauchashanda naye panguva yekutenga. Izvi zvinotanga nemumiriri wako wezvivakwa, kunyangwe mukuru wako wechikwereti chemumba anogona kunge akakosha. Vanogona kukuraira nezve refinancing kana zvikwereti zvemba kana iwe uchitova neimba yako. Chipangamazano wezvemari anogona zvakare kukubatsira kugadzirisa hurongwa hwako hwemari kuti usangane nezvido zvako zvechikwereti chemba. Chero zvazvingava, kana uchinge uine nyanzvi yechikwereti yaunogona kuvimba nayo, unogona kunge uine munhu iyeye kwemakore anouya, zvisinei nekambani yaunoshandira.
Mabhanga ebasa rakazara anozivikanwa se federally chartered financial institution. Vanopa zvikwereti zvemba pamwe chete nezvimwe zvigadzirwa zvekubhanga, sekutarisa nekuchengetedza maakaundi uye zvikwereti zvekutengesa uye zvebhizinesi. Vakawanda vanopawo mari uye zvigadzirwa zveinishuwarenzi. Mortgage zvikwereti zvinongori chimwe chikamu chebhizinesi ravo. Iyo Federal Deposit Insurance Company (FDIC) inoronga uye inoongorora yakazara-sevhisi mabhangi.
Nekune rimwe divi, nyika dzega dzega dzinoronga makambani emortgage. Mitemo iyi zvakare yakaoma zvakanyanya. Zvakare, kushandisa kambani yekukwereta kunoreva kuti hauzokwanisi kubatanidza maakaundi ako emari kuita sangano rimwe chete. Nekudaro, izvi zvinogona kunge zvisiri chipingamupinyi kune vamwe vanhu.
Vanokweretesa vanoita sei mari pazvikwereti
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.
Ndinofanira kuwana chikwereti kuburikidza nebhangi rangu here?
Iko hakuna saizi imwe inokodzera zvese kana zvasvika kune yakakwana imba, uye zvakafanana zvinoenda kune yako yemba. Vedu vemortgage bankers vachashanda pamwe newe kuti unzwisise mamiriro ako akasiyana uye kubatsira mhuri yako kuwana imba nyowani.
Kutenga imba hachisi chinhu chidiki, uye maitiro anogona kusiyana kubva kumhuri kuenda kune imwe. Ungave uri mumunhu kana pamhepo, mabhanga emortgage ari pano kuti abatsire kutarisira iwo ruzivo - hombe nediki - saka iwe unogona kutarisa pakupemberera nguva dzinonyanya kukosha.
Chekutanga, tinogadzira online account mumatanho mashoma ekukurumidza. Isu takagadzirisa ruzivo rwedu rwese, takawedzera ruzivo nezve chivakwa, uye takakwanisa kupinda chero nguva kuti titarise mamiriro echikumbiro chedu.
Nechikwereti, mukwereti - kana mutengi weimba - anobvuma kubhadhara mukweretesi pane imwe nguva yakatarwa nemubereko. Nguva yenguva, inonzi nguva yekubhadhara chikwereti, inogona kubva pamakore mashomanana kusvika kumakumi emakore akawanda. Nguva inonyanyozivikanwa yemortgage makore makumi matatu.
Vanhu vazhinji havana mari yakakwana yekutenga imba kamwechete, saka zvikwereti zvemba zvakagadzirirwa kubhadharwa nekufamba kwenguva. Uchishandisa chirongwa cheamortization, vanokweretesa vanogovanisa mari yechikwereti uye inotarisirwa mubereko munhevedzano yenguva dzose yekubhadhara pamwedzi. Chikamu chemubhadharo wega wega wemba inoenda kune mukuru - iyo yekutanga chiyero chechikwereti - uye chikamu chinoenda kune mubereko. Zvichienderana nechikwereti, mari iyi yemwedzi nemwedzi inogona kusanganisira mutero weimba uye inishuwarenzi yemuridzi wemba.
Maitiro eMortgage Brokers Kuita Mari neRefinancing
Nekuti vanokweretesa vanoshandisa mari yavo kana vachiwedzera zvikwereti, vanowanzo bhadharisa mari yekutanga iri pakati pe0,5% ne1% yemutengo wechikwereti, unobhadharwa nemari yako yemba. Mari iyi inowedzera mubereko wemari inobhadharwa - inozivikanwawo seyereji yegore negore (APR) - pachikwereti uye nemutengo wose wemba. Iyo APR ndiyo chiyero chemubereko pachikwereti pamwe nezvimwe zvinodhura.
Semuenzaniso, chikwereti chemadhora mazana maviri ane mubereko we200.000% pamakore makumi matatu ane yekutanga komisheni ye4%. Naizvozvo, muripo wekutenga imba i$30. Kana muridzi wemba akasarudza kupa mari yekubhadhara mari yekutanga pamwe chete nemari yechikwereti, izvi zvichawedzera mubereko wavo, unoverengerwa seAPR.
Vakweretesi vemortgage vanoshandisa mari kubva kune avo vanoisa mari kana kukwereta mari kubva kumabhangi makuru nemitengo yakaderera yekuita zvikwereti. Musiyano uripo pakati pemubereko wemubereko uyo mukweretesi anobhadharisa varidzi vedzimba kuti vawedzere mari yemba uye muyero unobhadharwa nemukweretesi kuti adzorere mari yaanenge akwereta igoho spread premium (YSP). Semuenzaniso, mukweretesi anokwereta mari pa4% mubereko uye anowedzera chikwereti che6% mubereko, achiwana 2% mubereko pachikwereti.
