kwenguva refu mortgage
Paunenge uchisarudza pakati pezvimwe zvigadzirwa, zvinogona kuve nyore kuenda neanonyanya kufarirwa. Asi kana zvasvika pakusarudza chakakodzera renji chigadzirwa chezvinangwa zvako, kuenda neyakanyanya kufarirwa sarudzo inogona kunge isiri iyo yakanakisa sarudzo.
Mortgages kazhinji ine imwe nguva yekubhadhara chikwereti. Izvi zvinozivikanwa setemu yemortgage. Iyo inonyanya kuzivikanwa nguva yekukwereta muUnited States makore makumi matatu. Chikwereti chemakore makumi matatu chinopa mukwereti makore makumi matatu kuti abhadhare chikwereti chake.
Vanhu vazhinji vane rudzi urwu rwekukweretesa havachengetere chikwereti chepakutanga kwemakore makumi matatu. Muchokwadi, iyo yakajairika nguva yechikwereti, kana avhareji yehupenyu, isingasviki makore gumi. Izvi hazvisi nekuti ava vanokwereta vanobhadhara chikwereti munguva yekurekodha. Varidzi vedzimba vanowanzo gadziridza imba nyowani kana kutenga imba nyowani nguva isati yasvika. Maererano neNational Association of REALTORS® (NAR), vatengi vanongotarisira kugara mumba yavanotenga kweavhareji yemakore gumi nemashanu.
Saka nei iyo yemakore makumi matatu sarudzo iri avhareji yetemu yezvivakwa zvembambi muUnited States? Kukurumbira kwayo kune chekuita nezvinhu zvakati wandei, zvakaita semibairo yembanje iripo, muripo wepamwedzi, rudzi rweimba inotengwa kana zvinangwa zvemari zvemukwereti.
Nguva yakareba yemortgage
Kusarudza rendi chikamu chakakosha chemaitiro ekutenga imba. Kusarudzira temu yemakore gumi nemashanu pachinzvimbo chenguva yemakore makumi matatu 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 pa 15% kana makore makumi matatu ekubhadhara chikwereti pa 4,00%. 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
Zvikwereti zvinouya mune ese maumbirwo uye saizi, kubva kune yakaderera yekubhadhara sarudzo kusvika kune jumbo zvikwereti. Pamusoro pemhando yemortgage yaunosarudza, iwe unofanirwawo kusarudza kuti inguva yakadii yaunoda kudzorera chikwereti, iyo inonzi nguva yemortgage.
Kune marudzi akasiyana-siyana emamortgages anowanikwa kuti akubatsire kutenga imba, asi akajairika ndeemakore gumi nemashanu kana makumi matatu. Kana iwe uchida kubhadhara kwakaderera pamwedzi, ungangoda kurebesa chikwereti chemba kusvika kumakore makumi matatu. Chikwereti chemakore gumi nemashanu chinogona kunge chine mari yakakwira pamwedzi, asi inocheka hupenyu hwechikwereti nehafu, izvo zvinoderedzawo huwandu hwemari yaunobhadhara.
Zvose zvemakore gumi nemashanu nemakore makumi matatu ekukwereta zvinogona kuva nemitengo yakagadziriswa uye yakagadziriswa kubhadhara pamwedzi kwehupenyu hwechikwereti. Zvisineyi, 15-year-mortgage zvinoreva kuti imba yako ichabhadharwa kweanopfuura makore gumi nemashanu pachinzvimbo chemakore makumi matatu emumba wemba, chero uchiita mari shoma inodiwa pamwedzi.
Mutengo wemakore gumi nemashanu unowanzo takura mubereko wakaderera, kunyangwe mitengo yembangi yanga yakadzikira kwenguva yakati. Zvisinei, mari yemwedzi nemwedzi yakakwira pachikwereti chemakore gumi nemashanu nekuti mukuru wechikoro anobhadharwa nekukurumidza kupfuura pachikwereti chemakore makumi matatu.
Mortgage Duration Options
Muna Kubvumbi 2022, nguva yepakati yekuvhara imba yemba yaive mazuva makumi mana nemasere, maererano neICE Mortgage Technology. Asi vazhinji vanokwereta vanovhara nekukurumidza. Iyo chaiyo nguva yekuvhara inoenderana nerudzi rwechikwereti uye kuti yakaoma sei mvumo yechikwereti, pakati pezvimwe zvinhu.
"Nguva dzekuvhara dzinosiyana, sezvo mavhareji enyika achiunza zvikwereti zvinotora nguva yakareba kuvhara kupfuura zvikwereti zvakajairwa, senge VA neHFA zvikwereti," anowedzera Jon Meyer, nyanzvi yechikwereti kuThe Mortgage Reports uye ane rezinesi MLO. "Vazhinji vanokwereta vanogona kutarisira kuvhara pachikwereti mumazuva makumi maviri kusvika makumi matatu."
Kunyangwe iwe uri mutengi kekutanga kana mutengi anodzokorora weimba nyowani, unofanirwa kufunga nezve maitiro ekutsvaga imba. Unoda chinopihwa chinogamuchirwa kuti chibatiso chako chitenderwe, saka haugone kutanga chirongwa chakazara kusvika wawana imba yaunoda. Izvi zvinogona kuwedzera mumwe mwedzi kana miviri purogiramu yako.
Kuwana pre-approved kunoreva kuti mukweretesi anotendera zvese zvikamu zvechikwereti chemba, kuwedzera kune pfuma. Paunenge uchinge uine chinogamuchirwa chinopihwa, wako mukweretesi atove nemusoro mukuru wekutanga pakubvumidzwa kwako kwekupedzisira.
