Calculator yemubereko yandichabhadhara mari yangu yembandi mumakore makumi matatu
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.
Kuti mortgage interest inoshanda sei muenzaniso
Matemu netsanangudzo dzinotevera dzakagadzirirwa kupa chirevo chakareruka uye chisina kurongeka kumazwi nemitsara iwe yaunogona kuona pawebhusaiti yedu uye inogona kunge isina kujaira kwauri. Chirevo chaicho chetemu kana mutsara zvinoenderana nekuti chinoshandiswa kupi uye sei, semagwaro akakodzera, kusanganisira zvibvumirano zvakasainwa, zvirevo zvevatengi, zvinyorwa zvemukati zveChirongwa chemitemo, uye mashandisirwo eindasitiri, zvichadzora zvinoreva. Matemu uye tsananguro dzinotevera hadzina chinosungirwa kuita chinangwa chekondirakiti chero ipi zvayo kana zvimwe zvekutengeserana nesu. Mumiriri wako weCampus Housing Programs kana vashandi veLoan Programs Office vachafara kupindura chero mibvunzo yaungave unayo.
Rondedzero Yekunyorera: Rondedzero yakanyorwa yezvinyorwa izvo mukwereti uye kambasi inoda kupa kuHofisi Yezvirongwa zveChikwereti kuti isati yatenderwa kana mvumo yechikwereti. Iyo inozivikanwa zvakare seOLP-09 fomu.
Automated Clearing House (ACH): Iyo yemagetsi mari yekufambisa network inobvumira kutamiswa kwemari zvakananga pakati pekutora chikamu maakaundi ekubhangi nevakweretesi. Iyi ficha inowanikwa chete kune vanokwereta avo vasiri pari zvino mubhadharo wekubhadhara.
Matemerwo emari yeMortgage Imba Inotemerwa
Yakawanda sei iyo 1% mutsauko wemubereko pane 30-year-mortgage inogona kukuponesa? Zvakakodzera here kudzorera chikwereti chako che1% chekuchengetedza? Sezvaunogona kufungidzira, ndiwo mubvunzo wakajairika vazhinji vangave varidzi vedzimba vane mari yembanje yemubereko parizvino inotenderera ichitenderedza rekodhi yakaderera.
Ehezve, sezvo mari dzemubereko dzemortgage dzichiramba dzichingochinja-chinja, unogona kunge uchinetsekawo: Yakawanda sei kunyange hafu-yepakati-yepakati-inodonha mumitengo yemubereko inogona kukuchengetedza pachikwereti chako? Iva nechokwadi chekuti wauya kunzvimbo chaiyo kana iwe uchida kuziva zvakawanda.
Mushure mezvose, chikamu chimwe chete muzana chekuwedzera mubereko yemumba yako inogona kuita sekunge inongounza kuwedzera kudiki kwemubhadharo wako wepamwedzi, asi rangarira ... nekufamba kwenguva, kuwedzera uku kunogona kuwedzera kusvika kumari shoma. Tichifunga izvi, pano tinotarisa kuti ingani kudonha kwe1% mumitengo yemubereko pachikwereti chako chemakore gumi nemashanu kana makumi matatu chemakore chinogona kukuchengetedza, uye kuti imarii mari yese yakachengetwa iyi inogona kudzosera muhomwe yako. Unogona kushamisika kuziva kuti mhinduro izviuru zvemadhora, kunyanya nekufamba kwenguva. Verenga kuti udzidze zvakawanda.
Iyo mortgage interest inogadzirwa sei
Kutenga imba ine mbavha ndiyo kutengeserana kukuru kwemari vazhinji vedu tinoita. Kazhinji, bhanga kana mukweretesi wemba anotora 80% yemutengo wemba, uye unobvuma kuidzosera - nemubereko - munguva yakatarwa. Kana uchienzanisa vanokweretesa, marengeti emba, uye sarudzo dzechikwereti, zvinobatsira kuti unzwisise mashandiro anoita mbanje uye rudzi rupi rungave rwakakunakira.
Muzvikwereti zvakawanda, chikamu chemari yakakweretwa (mukuru) pamwe nemubereko inobhadharwa mwedzi wega wega. Mukweretesi achashandisa amortization formula kugadzira hurongwa hwekubhadhara hunotyora mubhadharo wega wega kuita mukuru uye mubereko.
Kana iwe ukabhadhara zvinoenderana nechirongwa chekubhadhara chikwereti, ichabhadharwa zvizere pakupera kwenguva yakatarwa, semuenzaniso makore makumi matatu. Kana iyo mortgage iri chiyero chakatarwa, muripo wega wega uchange wakaenzana nedhora. Kana iyo mortgage ichichinja-chinja, mubhadharo uchachinja nguva nenguva sezvo mubereko wechikwereti uchichinja.
Izwi, kana kureba, kwechikwereti chako chinotarisawo kuti iwe uchabhadhara marii mwedzi wega wega. Kurebesa kwenguva, kuderera kwekubhadhara pamwedzi. Kutengeserana kwacho ndekwekuti kana ikatora nguva yakareba kuti ubhadhare chibatiso, ndipo panobva pakwidza mari yese yekutenga imba nekuti mhindu inobhadharwa kwenguva refu.
