Mortgage age limit yemakore makumi matatu nemashanu
Panogona kuve nekukatyamadza kwakasiyana-siyana kwezvikwereti, asi kune vazhinji vanotenga dzimba, mukuita, pane imwe chete. Iyo 30-yemakore yakatarwa-yero remoti ingangoita American archetype, the apple pie yezvemari zviridzwa. Ndiyo nzira zvizvarwa zvevanhu vekuAmerica vakatora imba yavo yekutanga
Mortgage haisi chimwe chinhu kunze kweimwe mhando yenguva yechikwereti, inovimbiswa nereal estate. Muchikwereti chenguva, mukwereti anobhadhara mubereko wakaverengerwa pagore zvichienderana nesarasara yechikwereti. Zvose mubereko uye mubereko wepamwedzi zvinogadziriswa.
Sezvo mubhadharo wepamwedzi wakagadziriswa, chikamu chinoenda kunobhadhara mubereko uye chikamu chinoenda kunobhadhara mukuru chinoshanduka nekufamba kwenguva. Pakutanga, nekuti chiyero chechikwereti chakanyanya kukwirisa, mari zhinji inobhadhara. Asi sezvo chikamu chinowedzera chiduku, chikamu chemari yekubhadhara chinodzika uye chikamu chikuru chinokwira.
Chikwereti chenguva pfupi chinotakura mubhadharo wepamwedzi wepamusoro, zvichiita kuti 15-year mortgage iite senge isingadhure. Asi nguva pfupi inoita kuti chikwereti chidhure pane akati wandei. Muchokwadi, pamusoro pehupenyu hwechikwereti, makore makumi matatu ekutenga imba inozoguma yave kudhura zvakapetwa kaviri kupfuura iyo sarudzo yemakore gumi nemashanu.
Ndingawana here 25-year mortgage nemakore makumi mana?
Muchikwereti chechikwereti, mubereko unoramba wakafanana mukati menguva yese yechikwereti, pane kuti mubereko "unoyangarara" kana kugadzirisa. Chii chinoratidza fixed-rate mortgage inguva yechikwereti uye mubereko wayo. Kune akati wandei anonyanya kufarirwa akatemerwa-reti yechikwereti chechikwereti: iyo 30-gore yakatarwa-chiyero chemondi ndiyo inonyanya kufarirwa, nepo makore gumi nemashanu arikutevera. Kana tichienzanisa, mamwe mazwi echikwereti anowanzo kuve mashoma. Vanhu vari kubhadhara zvikwereti zvidiki vanogona kuedza kuzvibhadhara kwemakore anopfuura gumi, nepo vanhu vane kiredhiti isingadhuri vane chikwereti chakachipa vanogona kusarudza kuwedzera chikwereti chavo kusvika kumakore makumi mana kana makumi mashanu. Avo vanoda kuramba vakabatikana zvakanyanya uye vaine zvimwe zvinhu zvemari kuti vatsigire chinzvimbo chavo vanogona kusarudza mubereko-chete mbavha kana bharumu remba.
MuUnited States, zvikwereti zvakagadziriswa ndiyo inonyanya kufarirwa sarudzo. Mune dzimwe nyika dzakawanda, dzakadai seCanada, UK neAustralia, zvikwereti zvakasiyana-siyana ndizvo zvinowanzoitika. Kana chikamu chikuru chehupfumi chakarongeka muzvikwereti zvakasiyana-siyana kana nekubhadhara mari chete, kana misika yeimba inopera simba inogona kuumba kuzvidzora kunosimbisa denderedzwa, umo kukwira kwemari yezvikwereti kunotungamirira kune zvimwe zvisizvo, izvo zvinozoita kuderedza. mitengo yemba uye tsika dzepamba, zvinotungamira kune kuwanda kwechikwereti kudzvanywa uye kusakwana.
Ndiani anoita 40-year mortgages
Kana uchinge wasvitsa makumi mashanu, sarudzo dzemortgage dzinotanga kuchinja. Izvi hazvireve kuti hazvibviri kuwana imba kana uri pazera rekurega basa, asi zvakakosha kuziva kuti zera rinogona kukanganisa sei pakukumbira chikwereti.
Kunyangwe vazhinji vanopa zvikwereti vachiisa miganhu yezera, izvi zvinoenderana nekuti waunosvika kupi. Uyezve, kune vanokweretesa vanonyanya kugadzira zvigadzirwa zvemortgage, uye isu tiri pano kuti tikuratidze gwara chairo.
Gwaro iri rinotsanangura mabatiro ezera pazvikumbiro zvembavha, mashandisiro aunoita sarudzo nekufamba kwenguva, uye tarisiro yezvigadzirwa zvemudyandigere. Madhairekitori edu ekuburitswa kwemari uye zvikwereti zvehupenyu zviripo zvakare kune rumwe ruzivo rwakadzama.
Sezvaunokura, unotanga kuisa njodzi huru kune vakajairwa vanopa mari yembavha, saka zvinogona kunetsa kuwana chikwereti gare gare muhupenyu. Sei? Izvi zvinowanzoitika nekuda kwekudonha kwemari kana hutano hwako, uye kazhinji zvese zviri zviviri.
Mushure mekunge waenda pamudyandigere, hauchawana muhoro wenguva dzose kubva kubasa rako. Kunyangwe uine penjeni yekudzokera pairi, zvinogona kunetsa kune vanokweretesa kuti vazive chaizvo zvauchawana. Mari yako inogonawo kudzikira, izvo zvinogona kukanganisa kugona kwako kubhadhara.
Makore makumi mana emortgage Calculator
Sezvo iyo Mortgage Market Ongororo (MMR) yakaunzwa muna 2014, kunyorera remba kunogona kuomera vamwe: vanokweretesa vanofanirwa kuongorora kugona uye kurangarira zvinhu zvakati wandei, kusanganisira zera.
Chinangwa ndechekuona kuti vanhu vari kuenda pamudyandigere havana zvikwereti zvisingabhadhare pavari. Sezvo mihoro yevanhu ichidzikira kana vangomira kushanda votora penjeni yavo, Risk Management Regulations inokurudzira vanokweretesa nevanokwereta kuti vabhadhare zvikwereti izvi zvisati zvaitika. Nekudaro, izvi hazvigoneke nguva dzose kana zvinoshanda kumunhu wese, uye vamwe vanokweretesa vakawedzera izvi nekuisa miganho yezera rekubhadhara remba. Kazhinji, miganho yezera iyi i70 kana 75, zvichisiya vakwereta vakawanda vakura vaine sarudzo shoma.
Yechipiri mhedzisiro yeiyi miganho yezera ndeyekuti mazwi akapfupikiswa, ndiko kuti, anofanirwa kubhadharwa nekukurumidza. Uye izvi zvinoreva kuti mari dzepamwedzi dzakakwirira, izvo zvinogona kuita kuti dzisakwanise. Izvi zvakakonzera kupomerwa kwekusarura kwezera, zvisinei nezvinangwa zvakanaka zveRMM.
Muna Chivabvu 2018, Aldermore akatanga imba yemba yaunogona kuva nezera rinosvika makumi mapfumbamwe nemapfumbamwe #JusticeFor99yearoldmortgagepayers. Mwedzi mumwe chetewo, Sosaiti Yokuvaka Mhuri yakawedzera zera rayo guru pakupera kwetemu yacho kusvikira kumakore 100. Vamwe, kunyanya makambani ekukweretesa, vakabvisa zvachose zera repamusoro. Nekudaro, vamwe vanokweretesa mumigwagwa vakakwirira vachiri kusimbirira pazera remakumi manomwe kana makumi manomwe neshanu, asi iko zvino kwave kushanduka kune vakwereta vakura, sezvo Nyika yese neHalifax vakawedzera miganho yezera kusvika makumi masere.
