Yekutanga Mortgage Payment Calculator
Kune vanhu vazhinji, mubhadharo wavo wembavha unofanirwa nemusi wekutanga wemwedzi, mwedzi wega wega. Asi zvakadini nekubhadhara kwekutanga? Verenga kuti udzidze zvaungatarisira kubva pakubhadhara kwekutanga, uyezve kana zuva rekuvhara richienderana nemubhadharo wekutanga unofanirwa.
Mari yekutanga yekubhadhara imba inowanzova yekutanga yemwedzi, mwedzi wakazara (mazuva makumi matatu) mushure mekuvhara zuva. Mortgage pays inobhadharwa mune izvo zvinozivikanwa searrears, zvinoreva kuti iwe uchaita muripo wemwedzi wapfuura pane mwedzi uripo.
Nguva yemwedzi yaunovhara inogona kukanganisa kuti zvichatora nguva yakareba sei pakati pekuvhara nekubhadhara kwako kwekutanga. Iwe hausi kusvetuka mubhadharo wekuvhara kare. Mukweretesi acharamba achiwana mari yemubereko uye anozoisanganisira mumari yako yekuvhara. Pane zvimwe zviitiko apo iwe unogona kubhadhara kare mubereko uye kuita mubhadharo wekutanga mwedzi wechipiri mushure mekuvhara. Muripo wekutanga unofanirwa kuitwa mukati memazuva makumi matanhatu kubva pakuvhara. Izvi zvinoreva kuti iwe uchada kuzvidavirira kwemwedzi ine mazuva makumi matatu nerimwe mairi.
Kana ndikavhara musi waChikumi 1, nderipi zuva rangu rekutanga rekubhadhara remba?
kuburitsa: Iyi positi ine affiliate links, zvinoreva kuti tinogashira komisheni kana ukadzvanya pane chinongedzo uye wotenga chimwe chinhu chatakakurudzira. Ndokumbira utarise mutemo wedu wekuburitsa kuti uwane rumwe ruzivo.
Munguva dzino dzisina chokwadi, vanhu vazhinji vekuAmerica vanozviwana vachida imwe nzira yekuyamurwa nemari kana rubatsiro. Izvi zvinogona kuuya nenzira dzakawanda, kusanganisira kuverengera kubhadhara kadhi rechikwereti, kuwana kushaya basa, kana kuwana cheki yekurudziro kubva kuhurumende, kungotaura zvishoma. Kana zvasvika kumari yako yembangi, ruyamuro runogona kuwanikwa nenzira yenguva yenyasha.
Nguva yenyasha inogona kutsanangurwa senguva yakatarwa mushure mezuva rekubhadhara kana chisungo apo chero chirango chinoregererwa, chero bedzi chisungo kana kubhadhara kuchiitwa panguva iyoyo. Kana mubhadharo wakakwana ukasaitwa mukati menguva yenyasha, muripo unononoka uchabhadhariswa uye mahofisi ezvikwereti anozoziviswa nezve mortgage default.
Zvichida zano rakakosha kwazvo ratinowana nderekuti kubhadhara chikwereti chedu nenguva ndiko kwakakosha zvakanyanya. Kana tikasabhadhara nenguva, tinogona kutarisira kubhadhariswa uye pamwe kuderedzwa chibodzwa chedu chechikwereti, uye dzimwe nguva zvinogona kutoreva kurasikirwa nemba yedu. Nguva yenyasha inorerutsa mhedzisiro iyi neimwe nzira, kuve nechokwadi chekuti kuchaja kana kukanganisa kwechikwereti hakuitike nekukurumidza kana usingakwanise kubhadhara nenguva.
Mortgage maturity inowira pakupera kwevhiki
Isu tiri yakazvimirira, ad-inotsigirwa kuenzanisa sevhisi. Chinangwa chedu ndechekukubatsira kuita sarudzo dzemari dzine hungwaru nekupa maturusi ekudyidzana uye macalculator emari, kuburitsa zvepakutanga uye zvine chinangwa, uye nekukubvumidza iwe kuita tsvagiridzo uye kuenzanisa ruzivo rwemahara, kuti iwe ugone kuita sarudzo dzemari nechivimbo.
Izvo zvinopihwa zvinoonekwa pane ino saiti zvinobva kumakambani anotiripa. Muripo uyu unogona kukanganisa kuti zvigadzirwa zvinoonekwa sei uye kupi pane ino saiti, kusanganisira, semuenzaniso, kurongeka kwazvinogona kuoneka mukati mezvikamu zverondedzero. Asi muripo uyu haukonzeri ruzivo rwatinoburitsa, kana wongororo yaunoona pane ino saiti. Isu hatisanganisire zvakasikwa zvemakambani kana zvipo zvemari zvinogona kuwanikwa kwauri.
Isu tiri yakazvimiririra, inotsigirwa nekushambadzira sevhisi yekuenzanisa. Chinangwa chedu ndechekukubatsira kuita sarudzo dzemari dzine hungwaru nekupa maturusi ekudyidzana uye macalculator emari, kuburitsa zvepakutanga uye zvine chinangwa, uye nekukubvumidza iwe kuita tsvagiridzo uye kuenzanisa ruzivo rwemahara, kuti iwe ugone kuita sarudzo dzemari nechivimbo.
Nguva yenyasha yeUS bank mortgages
Chinyorwa ichi chine rezinesi pasi pezvibvumirano zveOpen Government License v3.0, kunze kwekunge zvakataurwa neimwe nzira. Kuti uone rezinesi iri shanyira nationalarchives.gov.uk/doc/open-government-licence/version/3 kana kunyorera kuInformation Policy Team, The National Archives, Kew, London TW9 4DU, kana email: [email inodzivirirwa].
Gwaro iri rinopa ruzivo runobatsira nezvePurchase Assistance: Equity Loan (2021 kusvika 2023), chirongwa chehurumende chekutenga dzimba. Zvichakubatsira kuti unzwisise zvinosanganisirwa pakuwana chikwereti chemubatanidzwa, kuti chinoshanda sei uye kuti ungachinyorera sei.
Munguva yehupenyu hwechikwereti cheimba, mubereko chete pamari yakweretwa ndiyo inobhadharwa. Hapana chaunobhadhara pachikwereti chacho. Asi iwe unogona kusarudza kubhadhara zvese kana chikamu chechikwereti chero nguva. Kana iwe ukatengesa imba yako, iwe uchafanirwa kubhadhara iyo yese equity chikwereti.
Mortgage imari inokweretwa kubva kune mukweretesi kuti ibatsire pamutengo weimba. Kazhinji, chikwereti chinokweretwa kwenguva yakati uye mari yakatarwa inobhadharwa mwedzi wega wega, kwenguva yakabvumiranwa.
