Mortgages inowanzogara kwenguva yakareba sei?
Chikwereti chinowanzova chikamu chakakosha chekutenga imba, asi zvinogona kuva zvakaoma kunzwisisa zvauri kubhadhara uye zvaunogona kuwana. Mortgage calculator inogona kubatsira vanokwereta kuti vafungidzire mari dzavanobhadhara pamwedzi zvichienderana nemutengo wekutenga, mubhadharo wepasi, mubereko, uye zvimwe zvemwedzi nemwedzi zvevaridzi vemba.
1. Pinda mutengo weimba uye chiyero chekubhadhara kwekutanga. Tanga nekuwedzera mutengo wekutenga wemba waunoda kutenga kuruboshwe rwechidzitiro. Kana usina imwe imba mupfungwa, unogona kuedza nenhamba iyi kuti uone imba yaungatenge. Saizvozvo, kana iwe uri kufunga nezvekupa imba, iyi Calculator inogona kukubatsira kuona kuti yakawanda sei yaungapa. Tevere, wedzera mubhadharo wepasi waunotarisira kuita, ingave chikamu chemutengo wekutenga kana seyemwe mari.
2. Isa mubereko. Kana iwe wakatotsvaga chikwereti uye wakapihwa nhevedzano yemareti emubereko, isa imwe yeaya ma values mubhokisi remhindu rekuruboshwe. Kana usati wawana mubereko, unokwanisa kuisa iyo avhareji yereti yembangi sepokutangira.
35-year-mortgage rates
Shandisa gwara redu kuti unzwisise kuti sarudzo idzi dzinokanganisa sei kubhadhara kwako pamwedzi, mari yako yese pamberi nekufamba kwenguva, uye nhanho yako yenjodzi. Chikwereti "chisarudzo" chinogara chichiumbwa nezvinhu zvitatu zvakasiyana:
Kazhinji, iyo yakareba nguva yechikwereti, iyo inowedzera mubereko iwe yaunobhadhara. Zvikwereti zvine mazwi mapfupi zvinowanzova nemitengo yakaderera yemubereko asi inokwira pamwedzi kubhadhara pane zvikwereti zvine matemu akareba. Asi zvakawanda zvinoenderana neruzivo rwacho: Kuderera kwemari yemumba uye kukwira pamwedzi kunoenderana nematemu echikwereti uye mubereko. Pane zvikonzero zviviri nei mazwi mapfupi achigona kukuchengetera mari: Mari dzemubereko dzinosiyana pakati pevakweretesi, kunyanya kumatemu mapfupi. Ongorora mibairo yematemu akasiyana echikwereti kuti uone kana uri kuwana dhiri rakanaka. Gara uchienzanisa zvinopihwa zvepamutemo zvechikwereti, zvinonzi fungidziro yechikwereti, usati waita sarudzo yako. Vamwe vanokweretesa vanogona kupa zvikwereti zvebharumu. Kubhadhara pamwedzi pamabharumu zvikwereti zvakaderera, asi uchafanirwa kubhadhara mari yakawanda kana chikwereti chasvika. Ruzivo rwakawanda nezvezvikwereti zvepasi rose
Mhando dze40-year mortgages
Panogona kuve nekukatyamadza kwakasiyana-siyana kwezvikwereti, asi kune vazhinji vanotenga dzimba, mukuita, pane imwe chete. Iyo 30-yemakore yakatarwa-yero remoti ingangoita American archetype, the apple pie yezvemari zviridzwa. Ndiyo nzira zvizvarwa zvevanhu vekuAmerica vakatora imba yavo yekutanga
Mortgage haisi chimwe chinhu kunze kweimwe mhando yenguva yechikwereti, inovimbiswa nereal estate. Muchikwereti chenguva, mukwereti anobhadhara mubereko wakaverengerwa pagore zvichienderana nesarasara yechikwereti. Zvose mubereko uye mubereko wepamwedzi zvinogadziriswa.
Sezvo mubhadharo wepamwedzi wakagadziriswa, chikamu chinoenda kunobhadhara mubereko uye chikamu chinoenda kunobhadhara mukuru chinoshanduka nekufamba kwenguva. Pakutanga, nekuti chiyero chechikwereti chakanyanya kukwirisa, mari zhinji inobhadhara. Asi sezvo chikamu chinowedzera chiduku, chikamu chemari yekubhadhara chinodzika uye chikamu chikuru chinokwira.
Chikwereti chenguva pfupi chinotakura mubhadharo wepamwedzi wepamusoro, zvichiita kuti 15-year mortgage iite senge isingadhure. Asi nguva pfupi inoita kuti chikwereti chidhure pane akati wandei. Muchokwadi, pamusoro pehupenyu hwechikwereti, makore makumi matatu ekutenga imba inozoguma yave kudhura zvakapetwa kaviri kupfuura iyo sarudzo yemakore gumi nemashanu.
Unogona kuwana 40-year mortgage?
Kubhadhara kwemondi kune zvikamu zviviri: mukuru uye mubereko. Mukuru wechikoro anoreva huwandu hwechikwereti. Mbereko imari yekuwedzera (inoverengerwa sechikamu chemukuru wechikoro) iyo vanokweretesa vanokubhadharisa rombo rekukwereta mari yaunogona kubhadhara nekufamba kwenguva. Munguva yenguva yekukwereta, iwe unobhadhara muzvikamu zvepamwedzi zvichienderana nehurongwa hwekubhadhara hwakagadzwa nemukweretesi wako.
Hazvisi zvese zvigadzirwa zvemortgage zvinogadzirwa zvakaenzana. Vamwe vane nhungamiro dzakasimba kupfuura dzimwe. Vamwe vanokweretesa vangada 20% mubhadharo wepasi, nepo vamwe vachida zvishoma se3% yemutengo wekutenga wemba. Kuti uve unokodzera kune mamwe marudzi ezvikwereti, unoda kiredhiti isina kunaka. Dzimwe dzakanangidzirwa kune vanokwereta vane chikwereti chisina kunaka.
Hurumende yeUnited States haisi mukweretesi, asi inovimbisa mamwe marudzi ezvikwereti zvinosangana nezvinodiwa zvekukodzera mari, miganho yechikwereti, nenzvimbo dzenzvimbo. Pazasi pane pfupiso yezvakasiyana zvinogoneka zvemortgage zvikwereti.
Chikwereti chakajairika chikwereti chisingatsigirwe nehurumende yemubatanidzwa. Vanokwereta vane kiredhiti yakanaka, basa rakagadzikana uye nhoroondo yekuwana mari, uye kugona kuisa pasi 3% mubhadharo wepasi vanowanzokodzera kuwana chikwereti chenguva dzose chinotsigirwa naFannie Mae kana Freddie Mac, makambani maviri anotsigirwa nehurumende anotenga nekutengesa akawanda ekare emongi. muUnited States.
