Mortgage Germany
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.
Mortgages inotora nguva yakareba sei?
Paunenge uchisarudza pakati pezvimwe zvigadzirwa, zvinogona kuve nyore kuenda neanonyanya kufarirwa. Asi kana zvasvika pakusarudza chakakodzera renji chigadzirwa chezvinangwa zvako, kuenda neyakanyanya kufarirwa sarudzo inogona kunge isiri iyo yakanakisa sarudzo.
Mortgages kazhinji ine imwe nguva yekubhadhara chikwereti. Izvi zvinozivikanwa setemu yemortgage. Iyo inonyanya kuzivikanwa nguva yekukwereta muUnited States makore makumi matatu. Chikwereti chemakore makumi matatu chinopa mukwereti makore makumi matatu kuti abhadhare chikwereti chake.
Vanhu vazhinji vane rudzi urwu rwekukweretesa havachengetere chikwereti chepakutanga kwemakore makumi matatu. Muchokwadi, iyo yakajairika nguva yechikwereti, kana avhareji yehupenyu, isingasviki makore gumi. Izvi hazvisi nekuti ava vanokwereta vanobhadhara chikwereti munguva yekurekodha. Varidzi vedzimba vanowanzo gadziridza imba nyowani kana kutenga imba nyowani nguva isati yasvika. Maererano neNational Association of REALTORS® (NAR), vatengi vanongotarisira kugara mumba yavanotenga kweavhareji yemakore gumi nemashanu.
Saka nei iyo yemakore makumi matatu sarudzo iri avhareji yetemu yezvivakwa zvembambi muUnited States? Kukurumbira kwayo kune chekuita nezvinhu zvakati kuti zvakasiyana, semibairo yembanje iripo, muripo wepamwedzi, rudzi rwemba iri kutengwa, kana zvinangwa zvemari zvemukwereti.
Mortgage Calculator
Justin Pritchard, CFP, inyanzvi yekubhadhara uye nyanzvi yezvemari. Inovhara kubhengi, zvikwereti, mari, zvikwereti uye zvimwe zvakawanda zveThe Balance. Ane MBA kubva kuYunivhesiti yeColorado, uye akashandira masangano ezvikwereti uye mafemu makuru emari, pamwe nekunyora nezvemari yemunhu kweanopfuura makore makumi maviri.
Charles inyanzvi yemisika mikuru inozivikanwa munyika yose uye mudzidzisi ane makore anopfuura makumi matatu ane ruzivo nekugadzira zvirongwa zvekudzidzisa zvakadzika zvevashandi vezvemari vachiri kusimukira. Charles akadzidzisa kuzvikoro zvakasiyana zvinosanganisira Goldman Sachs, Morgan Stanley, Societe Generale nemamwe akawanda.
Zvisinei, nokuti chikwereti chacho chakareba makore gumi, mari inobhadharwa pamwedzi pachikwereti chemakore makumi mana ishoma pane pachikwereti chemakore makumi matatu, uye musiyano wacho wakatokura kana uchienzaniswa nechikwereti chemakore gumi nemashanu. Kubhadhara kudiki kunoita kuti zvikwereti zvirefu izvi zvitaridzike kune vatengi vano:
Sezvo 40-year-mortgages isiri yakawanda, yakaoma kuwana. Iwe haugone kuwana chikwereti cheFHA chemakore makumi mana, uye vazhinji vevakweretesi vakuru havapi zvikwereti kwemakore anopfuura makumi matatu. Iwe unozoda kiredhiti yakanaka kuti ukwanise kuwana imwe kana ukaiwana, uye mubereko pazvikwereti izvi unogona zvakare kukwira.
Nguva yakanakisa yemortgage
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.
