Mortgage mukuru
Kana iwe wakaita sevanhu vazhinji, kubhadhara chikwereti chako uye kupinda pamudyandigere-pasina chikwereti kunonzwika kunonakidza. Kubudirira kwakakosha uye kunoreva kupera kwemari yakakosha yepamwedzi. Nekudaro, kune vamwe varidzi vemba, mamiriro avo emari nezvinangwa zvingada kuchengetedza imba yemba asi zvimwe zvinotanga kutariswa.
Zvakanaka, iwe waizozadzisa chinangwa chako kuburikidza nekubhadhara nguva dzose. Zvisinei, kana uchida kushandisa mari kubhadhara chikwereti chako chemba, edza kutanga watanga kupinda mumaakaundi anotererwa panzvimbo pekuchengetedza mari yemudyandigere. "Kana ukabvisa mari kubva ku401 (k) kana IRA usati wava nemakore 59½, iwe unogona kubhadhara mutero wenguva dzose - pamwe nechirango - icho chichabvisa zvakanyanya kuchengetedza chero mubereko pane chikwereti," anodaro Rob.
Kana chikwereti chako chisina chirango chekubhadhara kare, imwe nzira yekubhadhara yakazara ndeyekuderedza mukuru wechikoro. Kuti uite izvi, unogona kuita imwe principal pay mwedzi wega wega kana kutumira chikamu chemari. Iri zano rinogona kuchengetedza huwandu hwakakura hwekufarira uye kupfupisa hupenyu hwechikwereti uchichengetedza kusiyanisa uye liquidity. Asi dzivisa kunyanyoita hasha pamusoro pazvo, kutyira kuti ungakanganisira kumwe kuchengeta kwako nokushandisa zvinokosha.
Chikwereti amortization chirongwa
Funga nezvechikwereti chakanaka neiyi nzira: Kubhadhara kwega kwega kwaunoita kunowedzera muridzi weiyo asset, apa imba yako, zvimwe zvishoma. Asi chikwereti chakaipa, sekubhadhara kadhi rechikwereti? Chikwereti ichocho ndechezvinhu zvawakatobhadhara uye pamwe uri kushandisa. Iwe hauchazo "vane" peya ye jeans, semuenzaniso.
Pane mumwe musiyano mukuru pakati pekutenga imba nekutenga zvinhu zvakawanda nemasevhisi. Kazhinji, vanhu vanogona kubhadhara mari yezvinhu zvakaita sembatya kana zvemagetsi. “Ruzhinji rwevanhu vaisakwanisa kutenga imba nemari,” anodaro Poorman. Izvi zvinoita kuti mari yembavha ive yakakosha kutenga imba.
Uri kuunganidza mari yekuchengeta pamudyandigere. Nemitengo yemubereko yakaderera, "kana ukaisa mari yaungadai wakashandisa kubhadhara chikwereti muakaundi yekurega basa, kudzoka kwenguva refu kunogona kudarika mari yakachengetwa kubva pakubhadhara chikwereti," anodaro Poorman.
Zano: Kana iwe uine rombo rakanaka rekukwanisa kubhadhara chikwereti nekukurumidza uye pfungwa inoenderana nemari yako, funga kutamira kune imwe vhiki yevhiki yekubhadhara purogiramu, kupeta iyo yose yaunobhadhara, kana kuita imwe mubhadharo pagore.
Tenga muScotland
Ehe, kana iwe ukanyorera pamhepo chikwereti che isingasviki makumi matatu ezviuru zveeuro, tinogona kunyatso shandura iyo nekukurumidza. Kana iwe uri mutengi wedu, isu tinotoziva zvishoma nezvako, izvo zvinoita kuti zvive nyore kwatiri kusarudza kuti imarii yaungakwereta. Saka, chero ukatumira chikumbiro chako uchitiudza zvese zvatinoda kuziva kubva Muvhuro kusvika Chishanu uye pakati pe30.000:9 na00:17 (tisingasanganisire mazororo), tinogona kukuudza sarudzo yedu mukati memaawa matatu. Kana tangobvumira chikwereti chako uye nekukumbira mari yako, tinoiisa muAccounting Account yako.
Mari dzemubereko dzezvikwereti zvedu pachedu, 8,65% uye 8,95% APR (Annual Equivalent Rate), ndedzimwe dzemakwikwi uye dzinogara dziripo pamusika, asi dzinosiyana. Kana mubereko wachinja, mari yekubhadhara haichinji. Saka kana chiyero chikakwira panguva yekukwereta, iwe unofanirwa kubhadhara imwe mari pakupera kwetemu, uye kana iyo chiyero ichidzika, unogona kubhadhara chikwereti chako nekukurumidza.
Chikwereti chakajairwa che1.500 euros kwegore rimwe ine mubereko wakasiyana we8,65% uye 8,95% APR (Yegore Yakaenzana Rate), umo mubereko uye APR isingasiyane panguva yetemu, Iine gumi nemaviri epamwedzi e12. maeuro uye mutengo wakazara wekiredhiti (iyo yakazara mari inofanira kubhadharwa yakaderera huwandu hwechikwereti) i130,48 euros.
Mari yekutenga imba muScotland
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.
