Mortgage Duration Options
Kusarudza rendi chikamu chakakosha chemaitiro ekutenga imba. Kusarudzira 15-gore remba panzvimbo pechinyakare 30-gore temu inonzwika senge kufamba kwakanaka, handiti? Kwete hazvo. Kusarudza yenguva pfupi yemortgage kune mamwe mabhenefiti ekuchengetedza mubereko. Nekudaro, kana mari yako yakadzikira kwenguva yemakore gumi nemashanu, yemakore makumi matatu ekutenga imba ichave yakachipa pamwedzi. Kana usina hurongwa pamusoro pemhando yemortgage yekusarudza, tarisa pazasi kuti uone kuti ndeipi yakakunakira.
Musiyano mukuru pakati pemakore gumi nemashanu nemakore makumi matatu emari yembavha ndeyekuti mubhadharo uye mubereko zvinounganidza. Nechikwereti chemakore gumi nemashanu, mari yako yepamwedzi yakakwira, asi iwe uchabhadhara zvishoma mubereko zvachose. Nechikwereti chemakore makumi matatu, zvinopesana zvinowanzoitika. Iwe unozopedzisira wabhadhara yakawanda yeimba yako nekuda kwemubereko. Asi mari dzemortgage dzinowanzodzikira.
Paunenge uchiedza kusarudza pamusoro penguva yekukwereta, funga nezvezvakanakira bhajeti yako. Edza kuyera mari yose. Somuenzaniso, ngatiti unoda kukwereta $150.000 kutenga imba. Iwe unogona kusarudza pakati pemakore gumi nemashanu ekubhadhara chikwereti pa15% kana makore makumi matatu ekubhadhara chikwereti pa4,00%. Pachirongwa chemakore gumi nemashanu, mubhadharo wako ungangoita $30 pamwedzi, usingasanganisire inishuwarenzi nemitero. Iwe waizopedzisira wabhadhara pedyo ne $4,50 mubereko pamusoro pehupenyu hwechikwereti.
Mortgage Term Calculator
Paunenge uchitenga kana kudzorera imba, chimwe chezvisarudzo zvakakosha zvekutanga zvauchafanirwa kuita ndezvekuti unoda chikwereti chemakore gumi nemashanu kana makumi matatu. Kunyange zvazvo sarudzo mbiri idzi dzichipa mubhadharo wepamwedzi wakagadziriswa kwenguva yemakore akawanda, pane musiyano mukuru pakati pezviviri pane kungotora nguva yekubhadhara imba yako.
Asi ndeipi yakanyatsokodzera iwe? Ngatitarisei zvakanakira nekuipira kwezvose zviri zviviri kureba kwembandiro kuitira kuti ugone kuona kuti ndeipi sarudzo inonyatsoenderana nebhajeti rako uye zvinangwa zvemari zvakazara.
Musiyano mukuru pakati pe15-year mortgage uye 30-year-mortgage ndehurefu hwechimwe nechimwe. Chikwereti chemakore gumi nemashanu chinokupa makore gumi nemashanu ekubhadhara mari yakazara yawakwereta kuti utenge imba yako, nepo makore makumi matatu ekutenga imba inokupa kaviri kureba kuti ubhadhare mari yakafanana.
Zvose zvemakore gumi nemashanu nemakore makumi matatu embavha dzinogara dzakarongwa sezvikwereti zvakatemwa, zvinoreva kuti mubereko unotarwa pakutanga, paunotora imba yemba, uye mubereko iwoyo unochengetwa mukati metemu yese. chikwereti. Iwe zvakare kazhinji une mubhadharo wakafanana wepamwedzi wenguva yese yemortgage.
Mortgage Calculator
Paunenge uchitenga kana kudzorera imba, chimwe chezvisarudzo zvakakosha zvekutanga zvauchafanirwa kuita ndezvekuti unoda chikwereti chemakore gumi nemashanu kana makumi matatu. Kunyange zvazvo sarudzo mbiri idzi dzichipa mubhadharo wepamwedzi wakagadziriswa kwenguva yemakore akawanda, pane musiyano mukuru pakati pezviviri pane kungotora nguva yekubhadhara imba yako.
Asi ndeipi yakanyatsokodzera iwe? Ngatitarisei zvakanakira nekuipira kwezvose zviri zviviri kureba kwembandiro kuitira kuti ugone kuona kuti ndeipi sarudzo inonyatsoenderana nebhajeti rako uye zvinangwa zvemari zvakazara.
Musiyano mukuru pakati pe15-year mortgage uye 30-year-mortgage ndehurefu hwechimwe nechimwe. Chikwereti chemakore gumi nemashanu chinokupa makore gumi nemashanu ekubhadhara mari yakazara yawakwereta kuti utenge imba yako, nepo makore makumi matatu ekutenga imba inokupa kaviri kureba kuti ubhadhare mari yakafanana.
Zvose zvemakore gumi nemashanu nemakore makumi matatu embavha dzinogara dzakarongwa sezvikwereti zvakatemwa, zvinoreva kuti mubereko unotarwa pakutanga, paunotora imba yemba, uye mubereko iwoyo unochengetwa mukati metemu yese. chikwereti. Iwe zvakare kazhinji une mubhadharo wakafanana wepamwedzi wenguva yese yemortgage.
Mafaro ekutanga emortgage anotora nguva yakareba sei?
Paunenge uine imba chaiyo, unogona kushandisa zvikwereti zvembavha kuti uwane chikwereti pakukosha kwemba yako. Sarudzo dzakanakisa dzekusimudzira kuenzana kwemba pamutengo wakaderera zvinosanganisira mari-out refinancing, zvikwereti zveimba, uye mitsara yezvikwereti zvemba (HELOCs).
Iwe unogona kazhinji kukwereta kusvika ku80% yekukosha kwemba yako. NeVA cash-out refinancing unogona kukwira kusvika zana muzana yeukoshi hwemba yako, asi veterans chete uye nhengo dzebasa dzinoshanda ndivo vanokodzera kukwereta kuVA.
Varidzi vemba vanogona kukwereta kusvika ku80% yeukoshi hwemba yavo nechikwereti chemba, inozivikanwawo sechipiri chemongi. Nekudaro, mamwe mabhangi madiki uye masangano echikwereti anogona kukubvumidza kuti utore 100% yemari yako.
Zvikwereti zvepamba zvine mubereko wepamusoro zvichienzaniswa nekubhadharazve, asi mitengo yakaderera kana ichienzaniswa nekadhi rechikwereti kana chikwereti chako. Sezvo chiri chikwereti chechikamu chine mubereko wakamisikidzwa, unenge uinewo mari yakatarwa pamwedzi.
Unogona kushandisa mari yako. Asi kana iwe usina mari yakawanda - kana usingadi kubata mari yako yawakachengetera kana imwe mari - mari yekubhadhara mari kana imba yekodzero yechikwereti inogona kukubatsira kutenga imwe nzvimbo.
