Chinosiyana chiyero chemoji
Musiyano uripo pakati pechikwereti chemubairo wakasiyana-siyana uye chinosiyana-siyana chemondi chinenge chiri pakusarudza pakati pechikwereti chembandi umo mari imwe chete ichabhadharwa nguva dzose (kunyangwe mubereko ungave wakakwira pakutanga) kana imwe inosiyana zvichienderana nendekisi. iyo yakabatanidzwa nayo (kazhinji iyo yegore rimwe Euribor).
Mari yakatarwa yemortgage inosiyaniswa nehuwandu hwekubhadhara nguva dzose, asi inosanganisira kubhadhara kwemukuru wechikoro zvishoma nezvishoma uye iwe unogona kutanga uchibhadhara mubereko wepamusoro pane wekuchinja kwechikwereti chemari. Kugadzikana kwezvikamu zvemwedzi uye chokwadi chese chichabhadharwa panguva yose yechikwereti ndicho chikonzero chemhando iyi yechibvumirano, iyo isingaenderani nekuchinja kwemusika.
Iyo yakatarwa-chiyero chemondi inonyanya kukodzera kwenguva pfupi, isingadariki makore makumi maviri, kunyangwe zvichikwanisika kuwana yakagadziriswa-mwero wemondi ine nguva refu yekubhadhara, kusvika kumakore makumi matatu. Iyo yakatarwa-chiyero chemondi inopa mukana wekunzvenga njodzi yekukwira kwemitengo yemubereko, nekudaro kuve nechokwadi chekuiswa kwemwedzi kumwe kwese kwehupenyu hwechikwereti.
Chinosiyana chiyero chemoji
Variable-rate mortgages kazhinji inopa mareti akaderera uye kuchinjika, asi kana mitengo ikakwira, unogona kupedzisira wabhadhara yakawanda pakupera kwetemu. Fixed-rate mortgages inogona kunge iine mitengo yakakwira, asi inouya neruvimbo yekuti uchabhadhara mari yakafanana mwedzi wega wega patemu yese.
Pese painobatirwa mari yembavha, imwe yekutanga sarudzo kusarudza pakati pemitengo yakatarwa kana yakasiyana. Zviri nyore imwe yesarudzo dzakanyanya kukosha dzauchazomboita, sezvo zvichizokanganisa mubhadharo wako wepamwedzi uye mutengo wakazara wemba yako nekufamba kwenguva. Kunyange zvingave zvichiedza kuenda nemutengo wakaderera unopihwa, hazvisi nyore. Marudzi ese ari maviri emondgage ane zvayakanakira nezvaanokanganisa, saka iwe unofanirwa kunzwisisa kuti yakagadziriswa-mwero uye inosiyana-mwero wemonji inoshanda sei usati waita sarudzo.
Mumamortgages akasarudzika, mubereko wakafanana mutemu yese. Hazvina mhosva kuti mhindu inokwira kana kuderera. Mari yechimbadzo pachikwereti chako hachichinji, uye uchabhadhara mari yakafanana mwedzi wega wega. Fixed rate mortgages kazhinji ine mubereko wepamusoro pane wemari yemortgage yakasiyana nekuti inovimbisa mwero wenguva dzose.
Mienzaniso yemitengo yakasiyana uye yakagadziriswa
Sezvo mubereko wakafanana, unogara uchiziva pauchabhadhara chikwereti chako Zviri nyore kunzwisisa pane kushanduka kwemari yembanje Uchava nechokwadi chekuziva mashandisirwo emari yekubhadhara imba yako Yekutanga mubereko kazhinji yakaderera pane A. mubhadharo wakaderera unogona kukubatsira kuwana chikwereti chikuru Kana muyero mukuru ukadzikira uye mubereko wako ukadzikira, mari yako yakawanda inoenda kumukuru wechikoro Unogona kushandura kune imwe mari yembavha chero nguva.
Mubairo wekutanga unowanzo kukwira pane wemari yemortgage yakasiyana. Mari yemubereko inoramba yakagadziriswa mukati menguva yese yemondi. Kana iwe ukatyora chikwereti chechikwereti chero chikonzero, zvirango zvingangove zvakakwirira pane neinosiyana chiyero chemondi.
Iyo mortgage inoshanduka kana yakagadziriswa
Pakusarudza chikwereti chemari, usangotarisa pamari yemwedzi wega wega. Zvakakosha kuti unzwisise kuti mari yako yemubereko irikukubhadhara marii, pavanogona kukwira, uye kuti mubhadharo wako uchavei mushure meizvozvo.
Kana nguva iyi yapera, ichaenda kune yakajairwa chiyero chekuchinja (SVR), kunze kwekunge yadzoserwa. Muyero wakasiyana-siyana ungangove wakakwira zvakanyanya kupfuura mwero wakatarwa, unogona kuwedzera zvakawanda kumari yako yemwedzi wega wega.
Zvikwereti zvizhinji zvava "portable", zvichireva kuti vanogona kutamirwa kune imwe nzvimbo. Zvakadaro, danho iri rinoonekwa sechikumbiro chitsva chemukwereti, saka iwe unozofanirwa kusangana neanokweretesa asingakwanisi cheki uye mamwe maitiro kuti atenderwe kune iyo imba.
Kutakura chikwereti kazhinji kunogona kureva chete kuchengeta chiyero chiripo pane yazvino yakatarwa kana yekuderedzwa dhiri, saka iwe unofanirwa kusarudza imwe dhiri kune chero yekuwedzera inofamba zvikwereti, uye dhiri nyowani iyi haigone kuenderana nehurongwa hwechibvumirano chiripo.
Kana iwe uchiziva kuti ungango famba mukati menguva yekubhadhara kwekutanga kwechero dhiri nyowani, ungangoda kufunga nezvezvinopihwa nemari yakaderera kana isina yekukurumidza kubhadhara, izvo zvinokupa iwe rusununguko rwekutenga pakati pevanokweretesa kana nguva yasvika. kufamba
