ruzivo rwemortgage
Mari yekuvhara yeMortgage ndiyo mari yaunobhadhara paunotora chikwereti, ungave uri kutenga nzvimbo kana kubhadhara. Iwe unofanirwa kutarisira kubhadhara pakati pe2% ne5% yemutengo wekutenga weimba yako kune yekuvhara mitengo. Kana iwe uchizotora mortgage inishuwarenzi, idzi mitengo dzinogona kunge dzakatokwira.
Mari yekuvhara ndiyo mari yaunobhadhara paunovhara pakutenga imba kana imwe nzvimbo. Iyi mitengo inosanganisira mubhadharo wekunyorera, mubhadharo wemagweta, uye mapoinzi ekuderedzwa, kana zvichibvira. Kana kutengesa komisheni nemitero zvakabatanidzwa, iyo yakazara real estate yekuvhara mitengo inogona kusvika 15% yemutengo wekutenga weimba.
Kunyange hazvo mitengo iyi ichigona kuwanda, mutengesi anobhadhara mamwe acho, senge real estate commission, inogona kunge iri 6% yemutengo wekutenga. Zvisinei, mamwe mari yekuvhara ibasa remutengi.
Mari yose yekuvhara inobhadharwa mukutengeserana kweimba inosiyana-siyana, zvichienderana nemutengo wekutenga imba, rudzi rwechikwereti, uye mukweretesi anoshandiswa. Mune zvimwe zviitiko, mari yekuvhara inogona kunge yakaderera se1% kana 2% yemutengo wekutenga weimba. Mune zvimwe zviitiko - zvinosanganisira vatengesi vechikwereti nevamiriri vezvivakwa, semuenzaniso - mari yekuvhara yakazara inogona kudarika 15% yemutengo wekutenga nzvimbo.
Kuvhara Mutengo Calculator
Sezvo vanokweretesa vachishandisa mari yavo kana vachiwedzera zvikwereti, vanowanzobhadharisa muripo wekubva pa 0,5% kusvika 1% yekukosha kwechikwereti, icho chinobhadharwa nemari yekubhadhara imba. Komisheni iyi inowedzera mubereko wemari inobhadharwa - inozivikanwawo seyereji yegore negore (APR) - pachikwereti chemba uye mutengo wese wemba. Iyo APR ndiyo chiyero chemubereko pachikwereti pamwe nezvimwe zvinodhura.
Semuenzaniso, chikwereti chemadhora mazana maviri ane mubereko we200.000% pamakore makumi matatu ane yekutanga komisheni ye4%. Naizvozvo, muripo wekutenga imba i$30. Kana muridzi wemba akasarudza kupa mari yekubhadhara mari yekutanga pamwe chete nemari yechikwereti, izvi zvichawedzera mubereko wavo, unoverengerwa seAPR.
Vakweretesi vemortgage vanoshandisa mari kubva kune avo vanoisa mari kana kukwereta mari kubva kumabhangi makuru nemitengo yakaderera yemubereko kuti vaite zvikwereti. Musiyano uripo pakati pemubereko wemubereko unochajwa nevaridzi vedzimba kuti vawedzere mari yemba uye muyero wavanobhadhara kuti vadzorere mari yavanenge vakwereta ndiyo Yield Spread Premium (YSP). Semuenzaniso, mukweretesi anokwereta mari pa4% mubereko uye anowedzera mari yemba pa6% mubereko, achiwana 2% mubereko pachikwereti.
Mari yekuvhara inosanganisirwa muchikwereti here?
Iwe wakafanotenderwa kukwereta kuti ikubatsire kuwana imba yezviroto zvako. Wobva waisa pasi mubhadharo, tora mari yembanje, bhadhara mutengesi, uye wotora makiyi, handiti? Kwete nekukurumidza. Mimwe mari inofanirwa kuverengerwa. Iyi mari yekuvharaInovhura hwindo rinobuda. uye mari yekuwedzera inogona kukanganisa kupa kwako, huwandu hwekubhadhara kwako uye huwandu hwemari yembandi yaunokodzera. Vashoma chete ndivo vanosarudza, saka ziva nezvemitengo iyi kubva pakutanga.
Kana wawana chivako, unofanira kuziva zvose pamusoro peimba, zvose zvakanaka nezvakaipa. Kuongorora uye zvidzidzo zvinogona kuratidza matambudziko anogona kukanganisa mutengo wekutenga kana kunonoka kana kumisa kutengesa. Iyi mishumo ndeyekusarudza, asi inogona kukubatsira kuchengetedza mari nekufamba kwenguva.
Usati wapa chivakwa, ita inspection yepambaVhura hwindo rinobuda.Mutariri wemba anotarisisa kuti zvese zviri mumba zviri mugwara rakanaka here. Kana denga richida kugadziriswa, iwe unoda kuziva pakarepo. Kuongorora imba kunokubatsira kuita sarudzo ine ruzivo nezvekutenga imba. Panguva iyoyo, unogona kufamba kubva uye kwete kutarisa kumashure.
Yakawanda sei vanokweretesa vemortgage vanowana pachikwereti chega chega?
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.
