Mortgage age limit yemakore makumi matatu nemashanu
Sezvo iwe uchiswedera pedyo nekurega basa, kuwana chikwereti kunogona kuoma, sezvo vazhinji vanokweretesa vane zera repamusoro, zvichireva kuti kupera kwemashoko ako ekukweretesa kunogona kusapfuura izvi. Affordability standards anogona kuzonetsa. Pano tinotsanangura mawaniro emumba mutsva, ungave uchida kushandura dzimba kana kudzorera imba yako yazvino. A 25-year mortgage pazera 50 inogona kunge isiri sarudzo.
Mhinduro pfupi ndeyokuti hongu, unogona kuwana chikwereti kubva pazera remakore makumi mashanu. Asi zvinoenderana nevanokweretesa vanoda kukupa chikwereti. Iyo Mortgage Advice Bureau nyanzvi yemortgage vapangamazano vanozoongorora zvikwereti kubva kune makumi mapfumbamwe evakweretesi vakasiyana kuti vakupe iwe zano rakakodzera.
Kana iwe uchida kukwereta mari kuti uidzorere zvizere, une sarudzo yekutora yakajairika mortgage, sezvo vazhinji vanokweretesa vanoda kukweretesa kunyangwe iwe watove pamudyandigere. Iwe unogonawo kufunga nezve "mararamiro emararamiro," izvo zvinokubvumira kutora chikwereti uye kuwedzera zvimwe kana zvose zvekufarira kune chikwereti.
Vazhinji vanokweretesa vane zera ravo rezera rechikwereti. Nhungamiro yekufungidzira yekutora imba yemba ndeyezera repamusoro remakore makumi matanhatu neshanu kusvika makumi masere, uye zera rekupedzwa kwemumba ungave uri pakati pemakore makumi manomwe nemakumi masere nemashanu.
Mortgage Calculator yeanopfuura makumi mashanu neshanu
Sezvo avhareji yezera rekutanga vatengi vanokwira, vazhinji vanonyorera vemortgage vane hanya nezera remiganhu. Kunyange zvazvo zera ringave chinhu chinofanira kurangarirwa pakukumbira chibatiso, hachisi chipinganidzo chose pakutenga imba. Pane kudaro, vanonyorera vane makore anopfuura makumi mana vanofanirwa kuziva kuti hurefu hwembavha yavo ichaverengerwa uye kuti mubhadharo wepamwedzi unogona kuwedzera.
Kuve wekutanga mutengi anopfuura makumi mana haifanire kuve dambudziko. Vazhinji vanokweretesa vanofunga nezvezera rako pakupera kwenguva yekukwereta, kwete pakutanga. Izvi zvinodaro nekuti zvikwereti zvinopihwa zvakanyanya zvichienderana nemari yaunowana, iyo inowanzoenderana nemuhoro. Kana iwe ukaenda pamudyandigere uchibhadhara chikwereti, unozofanira kuratidza kuti mari yako yepashure-yemudyandigere yakakwana kuti urambe uchibhadhara imba.
Nekuda kweizvozvo, nguva yako yekukwereta ingangove ipfupi, iine huwandu hwemakore makumi manomwe kusvika makumi masere nemashanu. Nekudaro, kana iwe usingakwanise kuratidza kuti mari yako yepashure-yemudyandigere ichavhara mari yako yekubhadhara imba, chikwereti chako chemba chinogona kudzikiswa kusvika pazera rekurega basa.
Mortgage Calculator yeanopfuura makumi mashanu neshanu
Vakuru vanofanira kutarisira kuongororwa zvakasimba pavanenge vachitsvaga chikwereti cheimba. Vangangoda kupa mamwe magwaro kuti vatsigire mari yavo yakasiyana-siyana (maakaundi ekurega basa, Social Security mabhenefiti, annuities, pension, nezvimwewo).
Panogona kunge paine hoops dzakawanda dzekusvetuka nepakati. Asi kana mari yako yakarongeka uye uine mari yekubhadhara imba yemwedzi wega wega, unofanirwa kunge uchikodzera kukwereta imba nyowani kana kubhadhara imba yako yazvino.
Kana mukwereti achiwana mari yeSocial Security kubva munhoroondo yebasa remumwe munhu, vanozofanira kupa tsamba yemubairo weSSA uye humbowo hwerisiti yazvino, pamwe nekuona kuti mari yacho icharamba ichienderera kwemakore matatu.
Nehunyanzvi, zvakangofanana neyechinyakare mortgage. Musiyano chete inzira iyo mukweretesi wemortgage anoverengera mari yako yekukodzera. Kunyangwe ichi chikwereti chiri sarudzo yakanaka kune vanoenda pamudyandigere, chero munhu anogona kuikodzera kana aine mari yakachengetedzwa yakakwana uye maakaundi akakodzera.
Semuenzaniso, ngatiti iwe une miriyoni yemadhora mukuchengetedza. Mukweretesi achagovanisa mari iyi nemazana matatu nemakumi matanhatu (nguva yechikwereti pamari zhinji yembavha) kuti isvike pamari inosvika zviuru zviviri nemazana manomwe emadhora pamwedzi. Huwandu uhu hunoshandiswa sekuyerera kwako kwepamwedzi kwemari yechikwereti chemortgage.
Ndingawana here imba yemba pazera re47?
Wakagadzirira here nemari kutenga imba? Kuti upindure mubvunzo uyu, unogona kufunga nezvekuti imarii yawakachengeta yekubhadhara. Nekudaro, iwe unofanirwawo kufunga nezvekuti imarii yaunonyatsoita. Vanokweretesa vanofunga nezvezvinhu zvako uye mari yaunowana kuti ikubatsire kuona kana uchikodzera kuwana imba. Muhoro wako wepamwedzi, kunyanya, unobvumira vanokweretesa kuti vanzwisise kuti yakawanda sei yemwedzi nemwedzi yekubhadhara imba yaunokwanisa kuwana pasina dambudziko remari.
Nemagwaro aya, tichatarisa kana mari yako yebasa yakagadzikana uye isingachinji mukati memakore maviri uye kuti ingangoenderera mberi here mune ramangwana. Chero bedzi basa rako razvino risingatariswe sechinzvimbo chenguva pfupi uye risina zuva rekupedzisira, isu tichaona basa rako serinogara uye richienderera mberi. Zvisinei nekuti unobhadharwa sei uye kuti kangani, tichaisa mari yako pagore kuti ugadzirise kukwira nekudzika. Iyo mari yegore inogovaniswa negumi nemaviri kuti uwane mari yako yepamwedzi.
