Ndiani wandinotendeukira kune mari yembavha?

Mortgage mari Calculator

Kana iwe uri kufunga nezvemuridzi wemba uye uchinetseka kuti wotanga sei, wauya kunzvimbo chaiyo. Pano tichabata zvese zvekutanga zvemortgages, kusanganisira mhando dzezvikwereti, mortgage jargon, maitiro ekutenga imba, nezvimwe zvakawanda.

Pane zvimwe zviitiko apo zvine musoro kuve nechikwereti chemba pamusha wako kunyangwe uine mari yekuibhadhara. Semuyenzaniso, zvivakwa dzimwe nguva zvinosungirwa kuti zvisunungurwe mari kune mamwe ma investments.

Mortgages "yakachengetedzwa" zvikwereti. Nechikwereti chakachengetedzwa, mukwereti anovimbisa rubatso kune mukweretesi kana akatadza kubhadhara. Kana iri remba, garandi ndiyo imba. Kana iwe ukatadza kubhadhara chikwereti chako, mukweretesi anogona kutora imba yako, nenzira inozivikanwa sekuvhara.

Kana wawana chikwereti chemba, mukweretesi wako anokupa imwe mari yekutenga imba. Unobvuma kubhadhara chikwereti - nemubereko - kwemakore akati wandei. Kodzero dzemukweretesi kumba dzinoenderera mberi kusvika imba yabhadharwa zvizere. Zvikwereti zvakazara zvine hurongwa hwekubhadhara, saka chikwereti chinobhadharwa pakupera kwenguva yacho.

Muridzi Wemari Rondedzero

Tinogashira muripo kubva kune vamwe vatinoshanda navo vane zvavanopihwa papeji rino. Hatina kuongorora zvese zviripo kana zvinopihwa. Muripo unogona kupesvedzera marongero anoitwa zvinopihwa papeji, asi maonero edu ezvekunyora nemaratidzo haakonzerwi nemuripo.

Zvizhinji kana zvese zvigadzirwa zvinoratidzwa pano zvinobva kune vatinoshanda navo vanotibhadhara komisheni. Aya ndiwo maitiro atinoita mari. Asi kuvimbika kwedu kwekunyora kunovimbisa kuti maonero enyanzvi dzedu haashandiswe nemuripo. Mamiriro ezvinhu anogona kushanda kune zvinopihwa zvinoonekwa pane ino peji.

Kufunga kutora danho rekuva nemba kekutanga? Kuve muridzi wemba kunogona kuve sarudzo huru kune vazhinji vekuAmerica. Mumisika mizhinji yedzimba dzekuUS, vamiririri vedzimba vanoudza vangangozotenga kuti kuva nemba kwakachipa pane kuroja midziyo yakafanana. Uye kazhinji ichokwadi, maererano nemari yekubhadhara imba yako maringe nemari yaunobhadhara rendi. Nekudaro, iyo yekubhadhara imba ingori imwe chete yemari yekuziva, uye panogona kunge paine mamwe akavanzika mari. Uine izvozvo mupfungwa, hezvino gumi zvinogoneka-kamwechete uye zvinoramba zvichidhura zvemuridzi wemba izvo zvaunofanira kugadzirira usati watanga kutenga.

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Kune marudzi akati wandei emitengo inobhadharwa kana uchinyorera remba. Mimwe yemitengo iyi yakanangana nehomwe uye pamwe chete vanogadzira mutengo wechikwereti. Izvi zvinodhura ndizvo zvaunofanira kufunga nezvazvo pakusarudza imba yemba.

Mimwe mari, semitero yezvivakwa, inowanzobhadharwa nerendi, asi imari yemuridzi wemba. Waitofanira kuvabhadhara pasinei nokuti une imba yemba kana kuti usina. Mari idzi dzakakosha kana uchifunga kuti imarii yaunokwanisa kutenga. Nekudaro, vanokweretesa havadzore mitengo iyi, saka haufanirwe kusarudza kuti ndeupi mukweretesi wekusarudza zvichienderana nefungidziro yavo yemitengo iyi. Pakusarudza chikwereti, zvakakosha kutora marudzi ose emari muakaunti. Chikwereti chine mubhadharo wepamwedzi wakaderera chinogona kunge chine mitengo yakakwira yekutanga, kana mbavha ine mari shoma yekutanga inogona kuva nekubhadhara kwakakwira pamwedzi. Mari dzepamwedzi. Mubhadharo wepamwedzi unowanzo uine zvinhu zvina: Pamusoro pezvo, ungangofanira kubhadhara mari yenharaunda kana yekondomu. Mari idzi dzinowanzo kubhadharwa zvakasiyana kubva pamubhadharo wepamwedzi. Mari yekutanga. Pamusoro pekubhadhara pasi, iwe unofanirwa kubhadhara akati wandei marudzi emitengo pakuvhara.

Mortgage fees kudzivirira

Kune akati wandei emhando dzemari dzinobhadharwa kana uchitora imba yemba. Zvimwe zvezvikwereti izvi zvine chekuita nehomwe uye, pamwe chete, vanogadzira mutengo wechikwereti. Izvi zvinodhura ndizvo zvaunofanira kufunga nezvazvo pakusarudza imba yemba.

Mimwe mari, semitero yezvivakwa, inowanzobhadharwa nerendi, asi imari yemuridzi wemba. Waitofanira kuvabhadhara pasinei nokuti une imba yemba kana kuti usina. Mari idzi dzakakosha kana uchifunga kuti imarii yaunokwanisa kutenga. Nekudaro, vanokweretesa havadzore mitengo iyi, saka haufanirwe kusarudza kuti ndeupi mukweretesi wekusarudza zvichienderana nefungidziro yavo yemitengo iyi. Pakusarudza chikwereti, zvakakosha kutora marudzi ose emari muakaunti. Chikwereti chine mubhadharo wepamwedzi wakaderera chinogona kunge chine mitengo yakakwira yekutanga, kana mbavha ine mari shoma yekutanga inogona kuva nekubhadhara kwakakwira pamwedzi. Mari dzepamwedzi. Mubhadharo wepamwedzi unowanzo uine zvinhu zvina: Pamusoro pezvo, ungangofanira kubhadhara mari yenharaunda kana yekondomu. Mari idzi dzinowanzo kubhadharwa zvakasiyana kubva pamubhadharo wepamwedzi. Mari yekutanga. Pamusoro pekubhadhara pasi, iwe unofanirwa kubhadhara akati wandei marudzi emitengo pakuvhara.