Chikwereti chemusha chemakore makumi matatu mubvunzo
Nyanzvi dzedu dzanga dzichikubatsira iwe kugona mari yako kweanopfuura makumi mana emakore. Isu tinoramba tichiedza kupa vatengi zano rehunyanzvi uye maturusi anodiwa kuti vabudirire murwendo rwemari rwehupenyu.
Vashambadziri vedu havatitsivire wongororo yakanaka kana kurudziro. Saiti yedu ine yakawandisa yemahara zvinyorwa uye ruzivo pane akasiyana siyana emasevhisi emari, kubva kumongi kuenda kubhangi kuenda kuinishuwarenzi, asi isu hatisanganisire chigadzirwa chese pamusika. Zvakare, isu tichiyedza kuita kuti zvinyorwa zvedu zvive zvemazuva ano sezvinobvira, ndapota bvunza kune vamwe vatengesi kuti uwane ruzivo rwazvino.
Nhasi, Chipiri, Chivabvu 30, 24, makore makumi matatu avhareji yereti remba i2022%, yakagadzikana muvhiki rapfuura. Kune varidzi vedzimba vari kutsvaga kugadziridza mari, avhareji yemakore makumi matatu ekubhadhara mari ndeye 30%, pasi pemapoinzi mana kubva pasvondo rapfuura.
Munyika Yese 30-Yegore Mortgage Rate Trends Kwanhasi, Chipiri, Chivabvu 24, 2022, yazvino yepakati-makumi matatu-yemakore yechikwereti chemba i30%, ichiramba yakatsiga svondo rapfuura. Kune varidzi vedzimba vari kutsvaga kudzorera mari, iyo yepakati pemakore makumi matatu refinance rate ndeye 5,39%, pasi pemapoinzi mana kubva pasvondo rapfuura.
Zvakaipa zve 30-year mortgage
LaToya Irby inyanzvi yechikwereti anga achivhara kiredhiti uye manejimendi echikwereti cheThe Balance kweanopfuura makore gumi nemaviri. Akataurwa muUSA Nhasi, The Chicago Tribune, uye Associated Press, uye basa rake rakataurwa mumabhuku akati wandei.
Lea Uradu, JD akapedza kudzidza kuYunivhesiti yeMaryland School of Law, Maryland State Registered Tax Preparer, State Certified Notary Public, VITA Certified Tax Preparer, Gore negore Kuisa Chirongwa Mwaka Mutori wechikamu IRS, Munyori Wemutero, uye Muvambi weLAW Tax Resolution Services. . Lea akashanda nemazana evatorwa uye ega ega federal tax client.
Katie Turner mupepeti, chokwadi chekutarisa, uye proofreader. Katie akawana ruzivo kuMcKinsey achisimbisa zvirimo pane bhizinesi, mari, uye mamiriro ehupfumi. KuDotdash, akatanga semuongorori wezve Investopedia, akazobatana neInvestopedia neThe Balance semuongorori wechokwadi, achive nechokwadi cheruzivo rwemhando dzakasiyana dzenyaya dzemari.
Kunyangwe zvichikwanisika kutenga imba ine isingasviki 20% mubhadharo wepasi, kuita izvi kunogona kuwedzera mutengo wakazara wevaridzi. Pane zvimwe zvinhu zvekufunga nezvazvo pakusarudza kuti ingani yekuisa pasi paimba.
Chii chinonzi 30-year fixed mortgage type
Uye kunyange aya marudzi ezvipo angave akafanana, ane mimwe misiyano yakakosha. Iwe unozofanirwa kuona kana iwe uchinyanya kufarira mudiki mubhadharo wepamwedzi kana kubhadhara shoma mubereko paunenge uchifunga pakati pemhando mbiri idzi dzezvikwereti zvembatya.
Vatengi vanowanzo sarudza makumi maviri- kana 20-yemakore-yakagadziriswa-chiyero chemoti yemubhadharo wepamwedzi wepasi uye kufungidzira kunouya navo. Ngatitarisei zvakanyanya kufanana uye kusiyana pakati pemhando mbiri dzezvikwereti.
Iyo 30-year fixed-rate mortgage ichiri kufarirwa zvakanyanya. Sezvinoratidzwa nezita racho, chikwereti chemba ichi chine nguva yemakore makumi matatu, zvinoreva kuti une makumi matatu emakumi emakumi emakumi emakumi emakumi emakumi emakumi emakumi emakumi emakumi emakumi emakumi emakumi emakumi emakumi emakumi emakumi emakumi emakumi emakumi emakumi emakumi emakumi emakumi emakumi emakumi emakumi emakumi emakumi emakumi emakumi emakore ekuwe a yawo aawudzorere nawo kuburikidza nekugara uchibhadhara pamwedzi. Iyo ine zvakare yakatemerwa mubereko: mwero wechikwereti chako pazuva rekutanga uchafanana newekupedzisira.
Kana uchinyorera chikwereti chemakore makumi matatu, vanokweretesa vanotarisa zvinhu zvakati wandei pakuona kuti vakukweretese mari here. Chekutanga, vachatarisa FICO® Score yako ine manhamba matatu, nhamba inopa vanokweretesa mufananidzo wekuti wakakwanisa sei kubhadhara chikwereti chako uye kubhadhara mabhiri ako. Vazhinji vanokweretesa vanoona FICO® Zvibodzwa zve30 kana yepamusoro sezvakanaka, asi iwe unogona kazhinji kukodzera kuwana makore makumi matatu echikwereti kunyangwe zvibodzwa zvako zviri pasi pe740.
Ini ndinotambira 200 thousand pagore, ndingabhadhara marii imba?
Kana iwe usingakwanise kubhadhara imba nemari, iwe uri mukambani yakanaka. Muna 2019, 86% yevatengi vemba vakashandisa chibatiso kuvhara chibvumirano, sekureva kweNational Association of Realtors. Kana uri mudiki, ndipo paungazoda chibatiso chemba kuti utenge imba - uye unowedzera mukana wekushamisika, "Imba yakawanda sei yandingakwanisa kutenga?" sezvo usati wapfuura nemuchiitiko ichi.
Mari ndiyo inonyanya kuoneka pakuwanda kwemba yaunokwanisa kutenga: Kuwanda kwaunowana, ndiko kuwedzera kwaunokwanisa kutenga imba, handiti? Hongu, zvakanyanya kana zvishoma; zvinoenderana nechikamu chemari yako yakatovharwa nekubhadhara chikwereti.
Unogona kunge uchibhadhara chikwereti chemotokari, kadhi rechikwereti, chikwereti chako pachako, kana chikwereti chemudzidzi. Pazvishoma, vanokweretesa vachawedzera zvikwereti zvepamwedzi zvekubhadhara zvauchaita mumwedzi gumi inotevera kana kupfuura. Dzimwe nguva, ivo vanotozosanganisira zvikwereti iwe unongobhadhara kwemwedzi mishomanana kana iyo mibhadharo inokanganisa zvakanyanya mubhadharo wepamwedzi wemubhadharo waunogona kutenga.
Ko kana iwe uine chikwereti chemudzidzi mukuregeredza kana kushivirira uye parizvino usiri kubhadhara? Vazhinji vanotenga dzimba vanoshamisika kuziva kuti vanokweretesa vanokonzeresa kubhadharwa kwechikwereti chako chemudzidzi mune yako yemwedzi yekubhadhara chikwereti. Mushure mezvose, kuverengera uye kushivirira kunongopa vanokwereta kuregererwa kwenguva pfupi, kupfupika kupfuura nguva yechikwereti chavo.
