Nzira yekubhadhara mortgage mumakore maviri
Sezvo zvikwereti zvichiwanzoita zvikwereti zvakakura zvinogara makumi emakumi emakore kana kupfuura, kubhadhara chikwereti nekukurumidza kunogona kukuchengetedza makumi ezviuru zvemadhora mubereko. Tisingarevi kuti zvinonaka sei kuti usanetseka nezvekubhadhara kwako kwepamwedzi kwembandi.
Paunotumira cheki yako yepamwedzi kune wako wekutenga chikwereti, mubhadharo unokamurwa pakati pemukuru uye mubereko. Pakutanga kwechikwereti, chikamu chikuru chekubhadhara ichocho chinoshandiswa kune chido. Sezvo nguva ichienda, yakawanda yekubhadhara inoenda pakubhadhara mukuru wechikoro. Izvi zvinozivikanwa seamortization, uye zvinobvumira mukweretesi kuti adzore imwe mari yake mumakore mashoma ekutanga ekubhadhara.
Kungoti iwe unogona kubhadhara chikwereti chako kare hazvireve kuti unofanirwa. Zvechokwadi, zvingava zvakanaka kubvisa mutoro mukuru wezvemari sechikwereti. Asi kana uchida chaizvo kuziva kana iri sarudzo yakanaka, unofanira kutarisa masvomhu.
Kana iwe ukakwanisa kupindura hongu kumibvunzo yese mitatu, kubhadhara chikwereti chako nekukurumidza kungave sarudzo yakanaka yemari. Asi yeuka kuti vamwe vanokweretesa vanobhadharisa chirango cheprepayment; kana yako ikadaro, iva nechokwadi chekuisa iyo mutengo zvakare.
Nzira yakajeka yekubhadhara chikwereti
Mushure mekubhadhara chikwereti, unogona kuwana pfungwa itsva yekudada mumba mako. Ichava muridzi wayo zvechokwadi. Iwe unogona kunge uine imwe mari inowanikwa mwedzi wega wega, uye iwe unenge uri panjodzi yakaderera yekurasikirwa neimba yako kana ukarova nguva dzakaoma.
Iwe unogona kuita zvinopfuura kungobhadhara kwekupedzisira kwekubhadhara imba kuti upedze chimiro chako chitsva chemuridzi wemba. Ziva izvo zvinofanirwa kuitika kana iwe uchibhadhara chikwereti chako kuti uve nechokwadi chekuti haina muripo zvachose.
Usati waita mubhadharo wako wekupedzisira wemortgage, unozofanira kubvunza mushandiri wako wechikwereti kuti uwane fungidziro yekubhadhara. Iwe unogona kazhinji kuita izvi kuburikidza newebhusaiti yemushandi uchinge wakabatana neakaundi yako yechikwereti chemba. Kana zvisina kudaro, unogona kuvafonera. Iva nenhamba yako yechikwereti. Unozoiwana pane yako mortgage statement.
Iyo amortization bhajeti inokuudza chaizvo kuti ingani mukuru uye mubereko waunofanira kubhadhara kuti uve neimba yako isina marekeni. Ichakuudzawo zuva raunofanira kuribhadhara. Kana ikatora nguva yakareba, haisi dambudziko guru. Iwe unongoda imwe mhindu.
Mortgage Prepayment Calculator
Isu tiri yakazvimirira, ad-inotsigirwa kuenzanisa sevhisi. Chinangwa chedu ndechekukubatsira kuita sarudzo dzemari dzakangwara nekupa maturusi ekudyidzana uye macalculator emari, kuburitsa zvepakutanga uye zvisina tsarukano, uye kubvumidza iwe kuti uite 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.
Home equity chikwereti kubhadhara chikwereti
Kubhadhara chikwereti chako nekukurumidza kunogona kukubatsira kuchengetedza zviuru zvemadhora mubereko. Asi usati watanga kukanda boka remari munzira iyoyo, iwe unozofanirwa kufunga zvishoma zvinhu kuti uone kana iri yakangwara sarudzo.
Pese paunobhadhara chikwereti, chinoparadzaniswa pakati pemukuru uye chimbadzo. Kuwanda kwekubhadhara kunoenda kune mubereko mukati memakore mashoma ekutanga echikwereti. Iwe uchava nechikwereti chiduku sezvaunobhadhara mukuru wechikoro, iyo ndiyo mari yawakakwereta pakutanga. Pakupera kwechikwereti, chikamu chikuru chekubhadhara chinoenda kune mukuru.
Iwe unogona kuisa iyo yekuwedzera mubhadharo zvakananga kune yako yehomwe principal balance. Kuwedzera mari yekubhadhara kukuru kunoderedza huwandu hwemari yauchabhadhara mubereko isati yawedzera. Izvi zvinogona kutora makore kubva pane yako yekutenga imba uye kukuchengetedza zviuru zvemadhora.
Ngatiti iwe unokwereta $150.000 kutenga imba ine 4% mhindu uye makore makumi matatu. Paunobhadhara chikwereti, unenge wabhadhara iyo whopping $30 mubereko. Izvi zviri kuwedzera kune $107.804,26 yawakambokwereta.
