Zvinorehwa nemuganhu wechikwereti chikuru
Chibereko chepasi chiyero chakabvumiranwa muchikamu chepasi chemitengo inodyidzana nechigadzirwa chechikwereti chakasiyana. Mari dzemhindu dzepasi dzinoshandiswa mumakondirakiti anobva pazvibvumirano nezvibvumirano zvechikwereti. Izvi zvakasiyana nechiyero chekufarira sirin'i (kana chivharo).
Iinterest rate floors inowanzo shandiswa pamusika kune inogadziriswa rate mortgages (ARMs). Kazhinji, hushoma uhwu hwakagadzirirwa kuvharisa mitengo ine chekuita nechikwereti kugadzirisa uye sevhisi. Chibereko chepasi chinowanzo kuvepo kuburikidza nekuburitswa kweARM, sezvo ichidzivirira mibairo kubva pakugadzirisa pazasi peyero yakatarwa.
Mari yemubereko pasi uye sirin'i yemubereko mazinga anoshandiswa nevatori vechikamu vakasiyana pamusika kuvhara njodzi dzine chekuita nezvinoyangarara zvechikwereti zvigadzirwa. Muzvigadzirwa zviviri izvi, mutengi wekondirakiti anotsvaka kuwana mubhadharo unoenderana nereti yakataurirana. Kana iri yeinterest rate floor, mutengi weinterest rate floor contract anotsvaga muripo kana iyo inoyangarara yawira pasi pecontract floor. Mutengi uyu ari kutenga dziviriro kubva pakurasikirwa kwemari yemumba inobhadharwa nemukwereti kana mwero wekuyangarara wadonha.
Tank ceiling zvinoreva
Chinangwa chechinyorwa chino ndechekusimudzira ruzivo rweveruzhinji nezvemitsipa mitsipa sezvo vazhinji vanokwereta vari kushungurudzika muSpain vachiramba vachishungurudzwa muna 2013 apo Dare Repamusorosoro reSpain rakazivisa kuti havana.
Ndakumbirwa kuti ndidzoke kunyaya yeFloor Clauses tichitarisa mitongo yeDare Repamusorosoro. Pandakatanga kunyora nezvenyaya iyi, muna 2009, pakanga pasina mutemo wenyaya. Saka ndakanzwa kusungirwa kunyora uye kushoropodza pachena aya maclause emortgage nekuvaona sevanoshungurudza nekuda kweunilateralism yavo vachifarira vanokweretesa. Dzaive tsaona dzakamirira kuitika. Zvekuti mune yangu chinyorwa chegumi Akajairwa Abusive Clauses muSpanish Mortgage Zvikwereti ndakavapa rukudzo rusingaverengeki rwekutanga kuvanyora. Iwe unofanirwa kunge wawedzerawo SWAP clauses.
Makore mashanu gare gare, mitongo yavakatongerwa inoitika zuva nezuva iyo isisiri nhau. Muna 2013, Dare Repamusorosoro reSpain rakagadzira mutsara wehutongi hwejekerere panyaya iyi, richizivisa kuti hadzina maturo kubva musi wa9 Chivabvu 2013.
Zvinoreva chiyero chepamusoro
Hupenyu hwese mareti emubhadharo anodzikamisa njodzi dzine chekuita nemhindu yakakura inowedzera pamusoro pehupenyu hwechikwereti chemukwereti, asi inogona kuunza njodzi yemubereko kune mukweretesi kana mitengo yakakwira zvakakwana.
Kune akawanda marudzi ezvigadzirwa zvemortgage zvinowanikwa pamusika. Vanokwereta vane sarudzo yezvakagadziriswa-chiyero zvigadzirwa, uko mubereko unogara uripo muhupenyu hwese hwechikwereti. Sezvo chiyero chinogara chiripo, vanhu vane fixed-rate mortgages vanogona kutarisira mari inobatanidzwa nezvikwereti zvavo. Kusiyana neizvi, mibairo yezvikwereti pamitengo yemortgage inosiyana muhupenyu hwese hwechikwereti. Iyo inogara iripo panguva yekutanga, mushure meiyo inogadziriswa nguva nenguva kusvikira chikwereti chabhadharwa.
Mamiriro eiyo ARM mortgage anoratidzwa mukutsanangurwa kwechigadzirwa chacho. Semuenzaniso, 5/1 ARM inoda mubereko wakatemerwa wemakore mashanu, ichiteverwa neinosiyana mubereko inogadzirisazve mwedzi gumi nemaviri. Vanokwereta vanogona kazhinji kusarudza pakati pe 12-2-2 kana 6-5-2 yepamusoro chiyero chemubereko chimiro. Mumakotesheni aya, nhamba yekutanga inoreva chivharo chekutanga chekukura, nhamba yechipiri i5-mwedzi periodic growth cap, uye nhamba yechitatu ivharo yehupenyu hwose.
Philippines Interest Rate Cap
Mitemo yemhindu inorambidza vanokweretesa kubhadharisa vanokwereta mibairo yakawandisa pazvikwereti. Mukugadzwa kweUnited States, makoroni akatora mitemo yemhindu yakavakirwa pamuenzaniso weChirungu.
Chibereko chechikwereti chivharo chinowanikwa pazvikwereti zvakasiyana-siyana, uko muyero unobvumirwa kuchinja pamusoro pehupenyu hwechikwereti. Variable rate zvikwereti zvinogona zvakare kusanganisira mamiriro ekuti mibairo inogona kukurumidza sei kukwira kusvika padanho repamusoro. Izvi "zvishoma kuwedzera" zvigadziro zvichaiswa zvakangoita pachiyero chekukwira kwemitengo.
Chibereko chemhindu zvivharo uye zvidimbu zvakavharwa zvinonyanya kubatsira kune vanokwereta kana mibairo iri kukwira. Kana mubereko wepamusoro ukasvikwa chikwereti chisati chasvika, mukwereti achakwanisa kubhadhara pasi-yemubereko wemusika kwenguva yakareba.
Paunenge uchifunga nezveAdjustable Rate Mortgage (ARM), mukwereti anogona kukwanisa kubhadhara chikwereti pamitengo yemubereko iripo panguva yekutaurirana kwembavha. Zvisinei, kana mibairo ikakwira pasina muganhu mukati meupenyu hwembandi, kazhinji nguva yemakore 15 kana kuti 30, mukwereti angasakwanisa kubhadhara chikwereti.
