Chikwereti Chinoenda
Avhareji yekubhadhara nguva yekutenga imba ndeye makore makumi maviri nemashanu. Nekudaro, maererano neongororo yakaitwa nemortgage broker L&C Mortgages, nhamba yevatengi vekutanga-yekutenga yemakore makumi matatu neshanu kusvika makumi matatu nemashanu yakawedzera zvakapetwa kaviri pakati pa25 na31.
Ngatitii uri kutenga £250.000 chivakwa pamutengo we3% uye une 30% dhipoziti. Kukwereta £175.000 pamusoro pemakore makumi maviri nemashanu kunokubhadhara £25 pamwedzi. Kana mamwe makore mashanu awedzerwa, mubhadharo wepamwedzi unodzikiswa kusvika pa830 pounds, nepo 738-year-mortgage yaizongoita 35 pounds pamwedzi. Ndiyo 673 pounds kana 1.104 pounds zvishoma gore negore.
Nekudaro, zvakakodzera kutarisa chibvumirano chemortgage kuti uone kana uchikwanisa kubhadhara. Kukwanisa kuzviita pasina zvirango kunokupa kushanduka-shanduka kana iwe ukakwidzwa kana kupera kwemari. Iwe unogona zvakare kubhadhara mari yekondirakiti kana nguva dzakaoma.
Zvakakosha kufunga nezvazvo, sezvo chero imwe mari yaunoisa mumbamba yako pamusoro peiyo yakajairwa mari yepamwedzi inopfupisa hurefu hwese hwembavha, zvichikuchengetera imwe mhindu pamusoro pehupenyu hwemumba.
chikwereti chisina mubereko
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.
Nhoroondo ye Jumbo Mortgage
Justin Pritchard, CFP, inyanzvi yekubhadhara uye nyanzvi yezvemari. Inovhara kubhengi, zvikwereti, mari, zvikwereti uye zvimwe zvakawanda zveThe Balance. Ane MBA kubva kuYunivhesiti yeColorado, uye akashandira masangano ezvikwereti uye mafemu makuru emari, pamwe nekunyora nezvemari yemunhu kweanopfuura makore makumi maviri.
Charles inyanzvi yemisika mikuru inozivikanwa munyika yose uye mudzidzisi ane makore anopfuura makumi matatu ane ruzivo nekugadzira zvirongwa zvekudzidzisa zvakadzika zvevashandi vezvemari vachiri kusimukira. Charles akadzidzisa kuzvikoro zvakasiyana zvinosanganisira Goldman Sachs, Morgan Stanley, Societe Generale nemamwe akawanda.
Zvisinei, nokuti chikwereti chacho chakareba makore gumi, mari inobhadharwa pamwedzi pachikwereti chemakore makumi mana ishoma pane pachikwereti chemakore makumi matatu, uye musiyano wacho wakatokura kana uchienzaniswa nechikwereti chemakore gumi nemashanu. Kubhadhara kudiki kunoita kuti zvikwereti zvirefu izvi zvitaridzike kune vatengi vano:
Sezvo 40-year-mortgages isiri yakawanda, yakaoma kuwana. Iwe haugone kuwana chikwereti cheFHA chemakore makumi mana, uye vazhinji vevakweretesi vakuru havapi zvikwereti kwemakore anopfuura makumi matatu. Iwe unozoda kiredhiti yakanaka kuti ukwanise kuwana imwe kana ukaiwana, uye mubereko pazvikwereti izvi unogona zvakare kukwira.
Ndingawana here 35 yemakore mortgage pa40?
Kusarudza rendi chikamu chakakosha chemaitiro ekutenga imba. Kusarudzira 15-gore remba panzvimbo pechinyakare 30-gore temu inonzwika senge kufamba kwakanaka, handiti? Kwete hazvo. Kusarudza yenguva pfupi yemortgage kune mamwe mabhenefiti ekuchengetedza mubereko. Nekudaro, kana mari yako yakadzikira kwenguva yemakore gumi nemashanu, yemakore makumi matatu ekutenga imba ichave yakachipa pamwedzi. Kana usina hurongwa pamusoro pemhando yemortgage yekusarudza, tarisa pazasi kuti uone kuti ndeipi yakakunakira.
Musiyano mukuru uripo pakati pemakore gumi nemashanu nemakore makumi matatu emari yembavha ndeyekuti mubhadharo uye mubereko unounganidzwa sei. Nechikwereti chemakore gumi nemashanu, mari yako yepamwedzi yakakwira, asi iwe uchabhadhara zvishoma mubereko zvachose. Nechikwereti chemakore makumi matatu, zvinopesana zvinowanzoitika. Iwe unozopedzisira wabhadhara yakawanda yeimba yako nekuda kwemubereko. Asi mari dzemortgage dzinowanzodzikira.
Paunenge uchiedza kusarudza pamusoro penguva yekukwereta, funga nezvezvakanakira bhajeti yako. Edza kuyera mari yose. Somuenzaniso, ngatiti unoda kukwereta $150.000 kutenga imba. Iwe unogona kusarudza pakati pemakore gumi nemashanu ekubhadhara chikwereti pa15% kana makore makumi matatu ekubhadhara chikwereti pa4,00%. Pachirongwa chemakore gumi nemashanu, mubhadharo wako ungangoita $30 pamwedzi, usingasanganisire inishuwarenzi nemitero. Iwe waizopedzisira wabhadhara pedyo ne $4,50 mubereko pamusoro pehupenyu hwechikwereti.
