mortgage
Kana iwe uchifarira kubvisa zita rako kubva muchikwereti, zvinogona kuita shanduko huru muhupenyu hwako. Zvingave zvichikonzerwa nekurambana, kuparadzana nemudiwa wako kana kungoda kuva nechikwereti muzita remumwe munhu kuitira kuti mumwe ave nekushanduka kwemari zvishoma, mamiriro ezvinhu kana achienzaniswa nepawakatora imba yemba akachinja zvakajeka. Paive paine zvakanakira kutora mari yembavha pamwe chete, sekutora mukana wemihoro yese kana uchitarisa huwandu hwaunogona kuwana uye/kana kushandisa kiredhiti yevanhu vaviri kudzikisa mubereko. Zvaive zvine musoro panguva iyoyo, asi hupenyu hunoitika uye ikozvino, chero chikonzero, wafunga kuti yave nguva yekucheka mumwe munhu kubva pachikwereti. Kutaura chokwadi, haisiriyo nzira iri nyore pasi rose, asi heano mamwe matanho uye kufunga kunokubatsira kuti usvike ikoko.
Chinhu chekutanga kutaura nemukweretesi wako. Vakakubvumidza kamwe chete, uye vanogona kunge vane ruzivo rwepedyo rwemari yako inodiwa kusarudza kana vachida kuzviita zvakare. Nekudaro, uri kuvakumbira kuti vape mubhadharo wako wembande kumunhu mumwe panzvimbo pevaviri, izvo zvinowedzera mutoro wavo. Vakawanda vanokwereta havazivi kuti vanhu vose vari pachikwereti ndivo vane mhosva yechikwereti chose. Semuenzaniso, pachikwereti che $300.000, hazvisi sekunge vanhu vese vari vaviri vane mhosva ye $150.000. Vese vari vaviri ndivo vane basa reiyo yese $300.000. Kana mumwe wenyu asingakwanisi kubhadhara, mumwe munhu achiri nemhosva yekubhadhara chikwereti chose. Naizvozvo, kana mukweretesi aingobvisa rimwe remazita kubva muchikwereti chazvino, mumwe wenyu angadai asina hoko. Sezvaungave wakafungidzira, vanokweretesa kazhinji havafarire kuita izvi.
mortgage etymology
Kana iwe uine makore makumi matanhatu nemaviri kana kupfuura-uye uchida mari yekubhadhara chikwereti chako, kuwedzera mari yako, kana kubhadhara mari yehutano-iwe ungada kufunga nezve reverse mortgage. Zvinokutendera kuti uchinje imwe imba yako yakaenzana kuita mari pasina kutengesa imba yako kana kubhadhara mamwe mabhiri emwedzi. Asi tora nguva yako: reverse reverse mortgage inogona kunetsa uye inogona kunge isina kufanira iwe. Reverse mortgage inogona kupedza kuenzana kuri mumba mako, zvichireva kuti zvinhu zvishoma kwauri nevadyi venhaka yako. Kana ukafunga kutsvaga imwe, ongorora mhando dzakasiyana dzereverse mortgages uye enzanisa usati wasarudza pane imwe kambani.
Paunenge uine chikwereti chenguva dzose, unobhadhara mukweretesi mwedzi wega wega kuti atenge imba yako nekufamba kwenguva. Mune reverse mortgage, unowana chikwereti umo mukweretesi anokubhadhara iwe. Reverse mortgages inotora chikamu cheequity mumba mako uye ichishandura kuita mubhadharo kwauri, rudzi rwekubhadhara pasi paukoshi hwemba yako. Mari yaunogamuchira kazhinji haina mutero. Iwe kazhinji haufanirwe kubhadhara mari yacho chero uchigara mumba mako. Paunofa, tengesa imba yako, kana kutama, iwe, murume wako, kana nzvimbo yako munofanira kubhadhara chikwereti. Dzimwe nguva zvinoreva kutengesa imba kuti uwane mari yekubhadhara chikwereti.
Mortgage certificate
Kupedzwa kweMortgage ndiro dambudziko rekupedzisira rauchasangana naro usati wagamuchira makiyi eimba yako nyowani. Chinhu chinofadza zvikuru. Asi mudanho rekupedzisira, unogona kunge uchishamisika, ndivanaani mapato echikwereti?
Pane nguva dzose mapato maviri makuru echikwereti: mukwereti uye mukwereti. Mubati wemondi ndiye anoita chibvumirano chemumba, nepo mukweretesi ari mukweretesi kana sangano rinopa chikwereti chemba.
Mukweretesi anokumbira magwaro akawanda uye ruzivo kana iwe ukanyorera imba yemba. Zvimwe zvacho ihumbowo hwemagwaro emari (pay stubs, W-2s, nezvimwewo), masitatimendi ebhangi, uye mutero. Kana uri kutenga imba nemumwe munhu, sewawakaroorana naye kana nhengo yemhuri, ita shuwa kuti munhu wacho akagadzirira kunyorera imba yemba uye ane ruzivo rwemari iripo zvakare.
Chekupedzisira, kana paine chero zviitiko zvinogona kukanganisa mari yako kana chikwereti chako, udza mukweretesi wako. Mimwe mienzaniso kuwana basa idzva, kuvhura kana kuvhara account yechikwereti, nekutenga mota.
Norsk mortgage
Amortgage mukweretesi: kunyanya, sangano rinokweretesa mari kune anokwereta nechinangwa chekutenga real estate. Mukutengeserana kwemumba, mukweretesi anoita semukwereti uye mukwereti anozivikanwa semukwereti.
Amortgagee anomiririra zvishuwo zveanokweretesa zvemari institution mukutengesa kwemortgage. Masangano echikwereti anogona kupa zvigadzirwa zvakasiyana kune vanokwereta, izvo zvinomiririra chikamu chakakosha chemari yechikwereti kune vese vanokweretesa uye kumusika wechikwereti kazhinji.
Vanokwereta vanogona kugadzira zvikwereti zvemortgage nereti yakatarwa kana chiyero chakasiyana. Zvikwereti zvakawanda zvemortgage zvinotevera chirongwa cheamortization chinopa kuyerera kwemari pamwedzi kune mukweretesi nenzira yekubhadhara mubhadharo kusvika chikwereti chabhadharwa pakupera kwenguva yacho. Yakamisikidzwa-chiyero chekuisa zvikwereti zvemortgage ndiyo inowanzozivikanwa mhando yechikwereti chemba chinopihwa nevakweretesi. Variable rate mortgage zvikwereti zvinogona zvakare kupihwa seyakasiyana chiyero chemortgage chigadzirwa.
