Halifax Mortgage
Imwe yemabhenefiti makuru ekuva nemba kugona kuvaka kuenzana nekufamba kwenguva. Iwe unogona kushandisa iyo kuenzana kuwana mari yakaderera muchimiro chechipiri chechikwereti, ingave chikwereti chimwe chete kana imba yekuenzanisa mutsara wechikwereti (HELOC). Imwe neimwe yemhando iyi yechikwereti ine zvakanakira nezvayakaipira, saka zvakakosha kuti unzwisise zvayakanakira nezvayakaipira usati waenderera. Unogonawo kuva nedzimwe sarudzo.
Zvikwereti zvepamba uye HELOCs vanoshandisa kukosha kwemba, ndiko kuti, musiyano pakati pekukosha kwemba uye chiyero chechikwereti, sechibatiso. Sezvo vachivimbiswa nekukosha kweimba, zvikwereti paukoshi hwechimwechete chinopa zvinokwikwidzana mubereko, kazhinji padhuze neayo ekutanga mbavha. Zvichienzaniswa nezvikwereti zvisina kuchengetedzwa semakadhi echikwereti, uchabhadhara mari shoma yekubhadhara mari yakafanana.
Nekudaro, kushandisa imba yako sechibatiso kune kuderera. Equity vanokweretesa vanoisa chechipiri chechipiri paimba yako, iyo inovapa mvumo yeimba yako pamwe neyekutanga lien kana iwe ukatadza. Kunyanya iwe paunokwereta uchipokana neimba yako kana condo, ndipo paunonyanya kuisa njodzi.
Imarii yandingakwereta pamutengi?
Iwe unogona kuona kuti ndiani muridzi wemba yako yepamhepo, nekufona kana kutumira chikumbiro chakanyorwa kune wako webasa kuti abvunze kuti ndiani muridzi wemba yako. Mushandi anodiwa kuti akupe iwe, sekugona kweruzivo rwako, zita, kero, uye nhamba dzenhare dzemunhu ane chikwereti chako.
Hazvisi nyore nguva dzose kuziva kuti ndiani muridzi wemba yako. Zvikwereti zvakawanda zvembatya zvinotengeswa uye mushandiri waunobhadhara mwedzi wega wega anogona kunge asiri muridzi wemba yako. Pese apo muridzi wechikwereti chako anotamisa imba kune muridzi mutsva, ivo vanofanirwa kukutumira chiziviso. Kana iwe usingazivi kuti ndiani muridzi wemba yako, kune nzira dzakasiyana dzekuziva. Fonera Yako Mortgage ServicerUnogona kuwana nhamba yako yemortgage servicer pane yako yemwedzi nemwedzi yemortgage statement kana coupon bhuku. Tsvaga PaIndanetiPane zvimwe zvekushandisa padandemutande zvaungashandisa kuwana muridzi wemba yako.o FannieMae Search Tool o Freddie Mac Search ToolUnogona kuwana mortgage servicer yako nekutsvaga Electronic Mortgage Recording System website (MERS).Tumira chikumbiro chakanyorwaImwe sarudzo kutumira a chikumbiro chakanyorwa kune wako wemortgage servicer. Mushandi anodiwa kuti akupe iwe, sekuziva kwayo, nezita, kero uye nhamba dzenhare dzemuridzi wechikwereti chako. Iwe unogona kutumira chikumbiro chakanyorwa chinokodzera kana chikumbiro cheruzivo. Heino muenzaniso tsamba yekukubatsira iwe kunyorera kune yako yemortgage servicer kukumbira ruzivo.
Imarii yandingabhadharira imba yemba?
Mortgage, chikwereti kubva kubhanga kana sangano rekuvaka kuti ribatsire kubhadhara nzvimbo. Iyi inzira yakanaka yekuti vechidiki vapinde mumusika wezvivakwa. Zvisinei, sezvo zvikwereti zvemba zvichiverengwa zvichibva pamari yegore negore, ndeipi mari yembavha iyo vanhu vanozvishandira vanogona kugamuchira?
Kunyange hazvo zvakanyanya kuomera vanozvishandira kuti vawane mendenenzi, hapana chinovatadzisa kuwana chikwereti chemari yakaenzana nevashandi. Kazhinji, iyo yakawanda iyo munhu anogona kukwereta inosvika kashanu mari yavo yegore negore. Kune vatengi venguva yekutanga, iyi yakareruka yakawanda kazhinji inogumira ku4,5 nguva. Nekudaro, izvi zvinosiyana pakati pevanopa vakasiyana, vamwe vachipa zvakatenderedza mana kusvika mana nehafu mari yegore. Pamusoro pezvo, vese vanozvishandira pamwe nevashandi vanofanirwa kubhadhara dhipoziti yeimba. Iyo yakakura dhipoziti, zviri nani mubereko wechikwereti chauchapihwa.
Kana uchinge wahaya accountant kuti aongorore maakaundi ako kana kuzadza fomu remutero rekuzviongorora kune anokweretesa, zvakakosha kukurukura nezve deposit. Vamwe vanozvishandira vekutanga vanotenga vangangoda kumirira kwechinguva chidiki vasati vanyorera remba kuti vachengetedze dhipoziti yakakura.
Santander mortgage Calculator
Kana iwe watotanga kutarisa zvivakwa, unogona kuisa kukosha kwenzvimbo uye dhipoziti mari mukarukureta, uye isu tinokuratidza chiyero chako chechikwereti-ku-value (LTV). Izvi zvinokutendera kuti utarise mareti emari anowanikwa kwauri.
Ndokumbira utarise kuti nhamba yakapihwa haitarise mamiriro ako ega, senge mari yemba yako, nhoroondo yechikwereti kana mamiriro epfuma. Isu tinokurudzira zvakasimba kuti iwe utore mu-musimboti sarudzo, inova fungidziro yemunhu yekuti yakawanda sei yaungakwereta. Ndokumbirawo uone chikamu che "Ruzivo rwakakosha".
