Ndingawana here 25-year mortgage nemakore makumi mana?
Paunenge uchitenga kana kudzorera imba, chimwe chezvisarudzo zvakakosha zvekutanga zvauchafanirwa kuita ndezvekuti unoda chikwereti chemakore gumi nemashanu kana makumi matatu. Kunyange zvazvo sarudzo mbiri idzi dzichipa mubhadharo wepamwedzi wakagadziriswa kwenguva yemakore akawanda, pane musiyano mukuru pakati pezviviri pane kungotora nguva yekubhadhara imba yako.
Asi ndeipi yakanyatsokodzera iwe? Ngatitarisei zvakanakira nekuipira kwezvose zviri zviviri kureba kwembandiro kuitira kuti ugone kuona kuti ndeipi sarudzo inonyatsoenderana nebhajeti rako uye zvinangwa zvemari zvakazara.
Musiyano mukuru pakati pe15-year mortgage uye 30-year-mortgage ndehurefu hwechimwe nechimwe. Chikwereti chemakore gumi nemashanu chinokupa makore gumi nemashanu ekubhadhara mari yakazara yawakwereta kuti utenge imba yako, nepo makore makumi matatu ekutenga imba inokupa kaviri kureba kuti ubhadhare mari yakafanana.
Zvose zvemakore gumi nemashanu nemakore makumi matatu embavha dzinogara dzakarongwa sezvikwereti zvakatemwa, zvinoreva kuti mubereko unotarwa pakutanga, paunotora imba yemba, uye mubereko iwoyo unochengetwa mukati metemu yese. chikwereti. Iwe zvakare kazhinji une mubhadharo wakafanana wepamwedzi wenguva yese yemortgage.
Mortgage Duration Options
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.
Mhando dze40-year mortgages
Kana wanga uchizvishandira wega kwerisingasviki gore, hapana zvakawanda zvingasarudzwa. Mabhangi mazhinji haangakukweretesi nekuti hausati wava nemitero yekuwana mari uye nekuti mabhizinesi matsva ane kusavimbika kwemari kwakawanda.
Chikonzero ndechekuti kana ukafunga kuvhara bhizinesi rako unogona kugara uchidzokera kunoshandira mumwe munhu ane muhoro wakafanana. Nechikonzero ichi, isu tinogona kukubatsira iwe kukumbira chikwereti chinosvika makumi masere muzana ehuwandu hwenzvimbo.
Mumwe wevakweretesi vedu anogona kubvumidza zvikwereti kune vanhu vanga vachizvishandira kwepakati pegore kana maviri, chero vanga vari mumutsara webasa kwenguva yakati uye vane rinenge gore remari yebhizinesi idzva.
Kana uchinetsekana kuti mamiriro ako ebasa achakutadzisa kuwana chikwereti chemba, tifonere panhamba dzinoti 1300 889 743 kana zadza fomu redu rekuongorora mahara. Isu tine hunyanzvi mukubatsira vanozvishandira kuti vawane zvigadzirwa zvezvikwereti zvemba zvine mareti makuru.
Sezvaungafungidzira, izvi zvinoita mutsauko mukuru kune yako chikwereti chikumbiro. Zvakakosha kuziva kuti mukweretesi wega wega anodudzira mutero wako zvakasiyana uye anogona kufunga hunyanzvi hwako semuzvinabhizimusi, ruzivo rwemuindasitiri, uye nhoroondo yengozi yeindasitiri mukuona kuti ungaongorora sei mari yako.
Avhareji urefu hwemortgage muUK
Paunenge uchisarudza pakati pezvimwe zvigadzirwa, zvinogona kuve nyore kuenda neanonyanya kufarirwa. Asi kana zvasvika pakusarudza chakakodzera renji chigadzirwa chezvinangwa zvako, kuenda neyakanyanya kufarirwa sarudzo inogona kunge isiri iyo yakanakisa sarudzo.
Mortgages kazhinji ine imwe nguva yekubhadhara chikwereti. Izvi zvinozivikanwa setemu yemortgage. Iyo inonyanya kuzivikanwa nguva yekukwereta muUnited States makore makumi matatu. Chikwereti chemakore makumi matatu chinopa mukwereti makore makumi matatu kuti abhadhare chikwereti chake.
Vanhu vazhinji vane rudzi urwu rwekukweretesa havachengetere chikwereti chepakutanga kwemakore makumi matatu. Muchokwadi, iyo yakajairika nguva yechikwereti, kana avhareji yehupenyu, isingasviki makore gumi. Izvi hazvisi nekuti ava vanokwereta vanobhadhara chikwereti munguva yekurekodha. Varidzi vedzimba vanowanzo gadziridza imba nyowani kana kutenga imba nyowani nguva isati yasvika. Maererano neNational Association of REALTORS® (NAR), vatengi vanongotarisira kugara mumba yavanotenga kweavhareji yemakore gumi nemashanu.
Saka nei iyo yemakore makumi matatu sarudzo iri avhareji yetemu yezvivakwa zvembambi muUnited States? Kukurumbira kwayo kune chekuita nezvinhu zvakati kuti zvakasiyana, semibairo yembanje iripo, muripo wepamwedzi, rudzi rwemba iri kutengwa, kana zvinangwa zvemari zvemukwereti.
