Ndokumbira chikwereti chakawanda sei cheimba
Kana iwe uchitsvaga kunyorera imba yemba, yedu yechikwereti Calculator inokupa iwe pfungwa yakaoma yekuti ingani mukweretesi angakupa zvichienderana nemari yaunowana uye kuti uri kutenga kubva kune mumwe munhu.
Mabhangi nemasangano ekuvaka anowanzo kupa kakapetwa kana nehafu mari yaunowana pagore neyemunhu waunotenga naye. Izvi zvinoreva kuti kana ukatenga wega uye uchiwana £30.000 pagore, vanogona kukupa kusvika pa£135.000.
Zvisinei, pane zvisizvo. Mamwe mabhanga anopa zvikwereti zvakakura zvembavha kune vanokwereta vane mari yakakwira, madhipoziti akakura, kana kushanda mune mamwe mabasa. Kana uchikodzera, unogona kukwereta kusvika kashanu nehafu mari yaunowana.
Muzviitiko zvakawanda, vanokweretesa vanozo "stress test" chero chirongwa chekubhadhara mari yembavha kuti ive nechokwadi chekuti inogona kumira mubereko wekukwira kwezvikamu zvitatu kubva muzana. Bhanga reEngland riri kufunga kubvisa chinodiwa ichi, kunyangwe shanduko idzi dzisingaite kusvika 2023.
Kana iwe uine yakatarwa-remo remba, kuwedzera kwemhindu hakuzokukanganisa iwe kusvika pakupera kwenguva yako yakatarwa. Asi neinosiyana-siyana yemortgage, mubereko unogona kukwira kana kudzika chero nguva mukati metemu.
Mortgage Calculator
Tinogashira muripo kubva kune vamwe vatinoshanda navo vane zvavanopihwa papeji rino. Hatina kuongorora zvese zviripo kana zvinopihwa. Muripo unogona kupesvedzera marongero anoitwa zvinopihwa papeji, asi maonero edu ezvekunyora nemaratidzo haakonzerwi nemuripo.
Zvizhinji kana zvese zvigadzirwa zvinoratidzwa pano zvinobva kune vatinoshanda navo vanotibhadhara komisheni. Aya ndiwo maitiro atinoita mari. Asi kuvimbika kwedu kwekunyora kunovimbisa kuti maonero enyanzvi dzedu haasi kukanganiswa nemuripo. Mitemo inogona kushanda kune zvinopihwa zvinoonekwa pane ino peji.
Kutenga imba ibasa guru. Zvakakosha kutenga imba yaunoda iwe nemhuri yako, uye zvakakoshawo kuve nechokwadi chekuti unokwanisa kutenga imba. Mari yauchashandisa paimba inoenderana nehuwandu hwechikwereti chako uye mari yembavha yawakatara, pamwe chete nedzimwe mari dzepamba semutero weimba, inishuwarenzi, uye dzimwe nguva mari yemubatanidzwa wevaridzi vedzimba, uye private mortgage insurance. Pano isu tichakubatsira iwe kuita sarudzo yakanaka yemari uye kuti ungapindura sei mubvunzo, "Imba yakawanda sei yandinogona kutenga?"
ndingakweretesa imba yakawanda sei
Kutenga imba kuzvipira kukuru, uye zvinhu zvakawanda zvinotarisa izvo mukweretesi wembanje anoda kukupa. Tiudze zvishoma nezvemari yako uye rudzi rwenzvimbo yaunoda kutenga kuti uwane pfungwa yezvaunokwanisa kutenga.
Usati watanga kutsvaga imba itsva, unoda kuziva kuti ingani yeimba yaunogona kutenga. Imwe nzira yekutanga kupihwa mvumo neanokweretesa, izvo zvinozotarisa zvinhu zvakaita semari, chikwereti nechikwereti, pamwe nekuti wachengeta marii kuti ubhadhare pasi, kuti uone huwandu hwechikwereti chaunogona kutenga. . Murairo wakajairika ndewekuvavarira imba inodhura kaviri nehafu muhoro wako wepagore. Kana uine chikwereti chakakura chekadhi rechikwereti kana zvimwe zvisungo zvemari, zvakadai sealimony kana kunyange basa rinodhura, ungada kuisa maonero ako pasi. Mumwe mutemo wegunwe: Yese yekubhadhara imba yako pamwedzi haifanirwe kunge inopfuura 36% yemari yaunowana pamwedzi. Iyi Calculator inogona kukupa iwe yakajairika pfungwa yehukuru hwemortgage yaunogona kutenga.
Zillow
Tsvaga kuti yakawanda sei yaungakwanise kubhadhara imba neyedu yemortgage affordability calculator. Tora fungidziro yemutengo wemba uye kubhadhara kwembande pamwedzi zvichienderana nemari yaunowana, chikwereti chemwedzi wega wega, kubhadhara pasi uye nzvimbo.
Kana ukawana mari yeimba yako, uchabhadhara mari inodarika yawakwereta, sezvo mari yaunodzorera ichitariswa nezvinhu zvakawanda, zvinosanganisira mhindu uye huwandu hwechikwereti. Aya ndiwo mamwe emazwi aunofanira kunzwisisa. Mutengo Wemhindu Mapoinzi Ekutanga Mari Yechikwereti Nguva Yechikwereti Rangarira kuti mibairo inongova chikamu chenyaya. Mutengo wemortgage unoratidzwa muyero yemubereko, mapoinzi ekuderedzwa, makomisheni uye mitengo yekuvhura. Mutengo uyu unozivikanwa seyero yegore negore (APR), iyo inowanzova yakakwirira kudarika mwero wemhindu. Iyo APR inokubvumira kuti uenzanise zvikwereti zvemari imwe chete mumadhora uchifunga nezvemutengo wavo wepagore. Muripo wemwedzi wega wega wemortgage muripo wemwedzi wega wega unowanzo uine zvikamu zvina: Zvichienderana nenzvimbo yenzvimbo yako, rudzi rwemudziyo uye huwandu hwechikwereti, unogona kuwana imwe mari yemwedzi kana yegore senge inishuwarenzi yemba, inishuwarenzi yemafashamu kana miripo yemubatanidzwa wevaridzi vedzimba. . Vhidhiyo - Izvo Zvikamu Zvekubhadhara Mortgage Tarisa vhidhiyo iyi kuti unzwisise izvo zvinogadzira yakajairwa kubhadhara imba - mukuru, mubereko, mutero, uye inishuwarenzi - uye maitiro avanogona kuchinja muhupenyu hwechikwereti. Tarisa mibairo iripo.
