Ndingatenga imba here?
Chikwereti chinowanzova chikamu chakakosha chekutenga imba, asi zvinogona kuva zvakaoma kunzwisisa zvauri kubhadhara uye zvaunogona kuwana. Mortgage calculator inogona kubatsira vanokwereta kuti vafungidzire mari yemwedzi nemwedzi inoenderana nemutengo wekutenga, mubhadharo wepasi, mubereko, uye zvimwe zvemwedzi nemwedzi mari yevaridzi vemba.
1. Pinda mutengo weimba uye chiyero chekubhadhara kwekutanga. Tanga nekuwedzera mutengo wekutenga wemba waunoda kutenga kuruboshwe rwechidzitiro. Kana usina imwe imba mupfungwa, unogona kuedza nenhamba iyi kuti uone kuti imarii yaungakwanisa kutenga. Saizvozvo, kana iwe uri kufunga nezvekupa imba, iyi Calculator inogona kukubatsira kuona kuti yakawanda sei yaungapa. Tevere, wedzera mubhadharo wepasi waunotarisira kuita, ingave chikamu chemutengo wekutenga kana seyemwe mari.
2. Isa mubereko. Kana iwe wakatotsvaga chikwereti uye wakapihwa nhevedzano yemareti emubereko, isa imwe yeaya ma values mubhokisi remhindu rekuruboshwe. Kana usati wawana mubereko, unokwanisa kuisa iyo avhareji yereti yembangi sepokutangira.
Calculator yemuhoro unodiwa kutenga imba
Ndisati ndapinda mukutengesa zvivakwa, ndakabatsira vatengi nezvikwereti zvemba uye gare gare ndakabatsira varidzi vedzimba kuwana dzimwe nzira dzekudzivisa kuvharirwa. Zvichienderana neruzivo rwangu, ndinoona zvakakosha kuti ndikubatsire kugadzirira mutengo wemuridzi wemba.
Iwe unozofanirwa kuona kuti mutero wako uye kubhadhara inishuwarenzi chii, pamusoro pekubhadhara kwemusimboti uye mubereko. Paunobhadhara mubhadharo wechikwereti unosanganisira mukuru, mubereko, mutero uye inishuwarenzi mubhadharo imwe chete yemwedzi, inonzi PITI kubhadhara.
Chikwereti-ku-value reshiyo inogona kuita basa rakakosha pakutenga imba. Kana iwe usina makumi maviri kubva muzana pasi, kana 80% chikwereti-ku-value reshiyo, unogona kubhadhara mortgage inishuwarenzi kuwedzera kune yako PITI kubhadhara.
Unogona kushanyira bankrate.com kushandisa yavo yemortgage calculator kuona kuti imarii yembangi yaunogona kutenga, kana kuti uwane zano repamusoro, bata mukweretesi weko kuti ukurukure sarudzo dzako dzemumba. Kune akawanda mapurogiramu emortgage anowanikwa kuburikidza nevanokweretesa vakasiyana.
Kushanda nemumiriri wenzvimbo yezvivakwa chinhu chakakosha pakutenga nzvimbo. Iwe unogona kutaura kuti real estate agents inzira yeruzivo kune vatengi nevatengesi. Maagents anoshanda padhuze nemakambani ekuremekedza, vanokweretesa mbavha, vaongorori, vanoongorora, nezvimwe.
United States Department
Chete mubhadharo wepasi we3% wemutengo wekutenga wemba unodiwa, uye hapana mupiro wepasi unodiwa kubva kune akakwereta. Izvi zvinoreva kuti mari inogona kubva kuchipo, rubatsiro, kana chikwereti kubva kune inogamuchirwa sosi.
Private mortgage insurance (PMI) inogonawo kudzikiswa kune idzi zvikwereti zvemba zvine mari shoma. Iwe unogona kuwana yakaderera PMI chiyero pane vanokwereta vane yakajairwa mamortgage, ayo anogona kukuchengetedza mari yakawanda mwedzi wega wega.
Semuenzaniso, chirongwa cheFannie Mae's HomeReady chinokutendera kuti uwedzere mari yewaunogara naye kana yekurenda kuchikumbiro chako chembavha, kunyangwe isina kubatanidzwa muchikwereti. Izvi zvinogona kubatsira kuwedzera mari yako uye kuita kuti zvive nyore kuwana mari.
Kana usiri kutenga mukati memiganhu yeguta, unogona kukodzera kuwana USDA imba yechikwereti. Zvakadaidzwa pamutemo kuti Imba Yemhuri Yakavimbiswa Chikwereti Chirongwa, chikwereti cheUSDA chakagadzirwa kubatsira vanokwereta vane mari yepasi nepakati kutenga dzimba kumaruwa.
Kune marudzi maviri ezvikwereti zve USDA: The Guaranteed Programme ndeyevatengi vane mari yemhuri isingapfuuri 115% yeArea Median Income (AMI). Iyo Yakananga Chirongwa ndeyeavo vane mihoro iri pakati pe50% ne80% yeAMI.
federal housing administration
Ehe, mutengo wekutenga uye kutamisa handiwo ega mutengo unobatanidzwa, uye ingangove ipfungwa yakanaka kuve nechokwadi kuti waisa zvese zvemuridzi wemba musarudzo yako usati watanga. (Ona, semuenzaniso, yedu bhondi affordability Calculator, uye bond amortization calculator)
“Varoora kana kuroorwa ishamwari dzepamusha pavaridzi vemba, asi unofanira kufunga zvakanyanya kana uchitenga neshamwari kana hama dziri kure. Iwe unofanirwa kufunga nezve zvichaitika kune iyo pfuma kana vanobatana vakaparadzana kana mumwe wavo achida kutengesa nekuda kwekuchinja kwemamiriro ezvinhu. (Isu munguva pfupi yapfuura takakurukura zvinofanirwa kurangarirwa nevasina kuroora kana kuroorwa kana uchitenga pamwe chete - ona "Kuchengeta Hutano Hwako Paunotenga Pamwechete").
David anoti mabhanga anofarira kuona madhipoziti nekuda kwezvikonzero zviviri: anoratidza kuti une tsika yekuchengetedza (zvinoreva kuti une hunyanzvi hwemari, saka unozokwanisa kubhadhara bhonasi yako mwedzi wega wega), uye ivo vanopa bhangi. nechiyero chekuchengetedza (kana iwe ukatadza kubhadhara chikwereti, bhangi rine cushion: kana richida kutorazve uye kutengesa pfuma, rinokwanisa kudzoreredza huwandu hwechikwereti chasara, pamwe nechero mari yakawedzerwa).
