Avhareji urefu hwemortgage muUK
Nguva yezvikwereti ndeimwe yemibvunzo yakakosha inomuka mukuita kunyorera remba. Avhareji yenguva yechikwereti chemondgage iri pakati pe25 ne30 makore. Iyo yakareba nguva yechikwereti, iyo inodhura mari yemwedzi nemwedzi ichava.
Zvakadaro, nhanho dzekutanga dzechimbatidzo dzinowanzo sanganisira mibairo inotarwa pakati pegore rimwe kusvika gumi. Izvi pachazvo zvinogona kuvhiringa, kunyanya kana iwe uri mutsva kune nyika yemortgages. Kana iwe ukaona uchinetseka nezve misiyano pakati pemitengo yekutanga uye yakazara nguva yechikwereti chemba, iva nechokwadi chekuti hausi wega.
Paunonyorera imba yemba, unosarudza kuti unoda kuibhadhara kwenguva yakareba sei. Zvikwereti zvemba zvenguva refu zvinobhadhara zvakachipa pamwedzi asi zvinodhura zvakanyanya mukufamba kwenguva, sezvo pachiwanzova nemhindu yakawanda ine chekuita nechikwereti.
Kana chikwereti chikabvumirwa muna 2019 ne 25-year amortization plan, iyo yose yemortgage yaizobhadharwa muna 2044. Mitemo isingasviki makore makumi maviri inoonekwa senguva pfupi uye iyo yakakura kudarika makore makumi matatu inonzi nguva refu.
Mortgage Duration Options
Izwi rekuti "fixed-rate mortgage" rinoreva chikwereti chemba chine mubereko wakatarwa wenguva yese yechikwereti. Izvi zvinoreva kuti mari yembavha ine mubereko wenguva dzose kubva pakutanga kusvika pakupera. Fixed rate mortgages zvigadzirwa zvakakurumbira kune vatengi vanoda kuziva kuti imarii yavanobhadhara mwedzi wega wega.
Kune akati wandei marudzi ezvigadzirwa zvemortgage pamusika, asi zvinodzika kusvika pazvikamu zviviri zvakakosha: zvikwereti zvinosiyana siyana uye zvikwereti zvakatarwa. Muchikwereti chakasiyana-siyana, mubereko unotarwa pamusoro peimwe referensi uye wobva wachinja, kuchinja mune dzimwe nguva.
Nekune rimwe divi, zvikwereti zvakatarwa zvinochengeta mubereko wakafanana mukati menguva yese yechikwereti. Kusiyana nekuchinja uye kuchinjika mwero wemortgages, yakatarwa mwero wemortgages hauchinjike nemusika. Naizvozvo, mubereko pafixed-rate mortgage unoramba wakafanana zvisinei nekuti mhindu inokwira here kana kudzika.
Adjustable-rate mortgages (ARMs) imhando yehybrid pakati peyakagadziriswa-chiyero uye inosiyana-mwero zvikwereti. Mubairo wekutanga unotarwa kwenguva, kazhinji makore akati wandei. Mushure mezvo, mubereko unodzokororwa nguva nenguva, pagore kana kunyange mwedzi wega wega.
nguva pfupi mortgage
Kusarudza rendi chikamu chakakosha chemaitiro ekutenga imba. Kusarudzira 15-gore remba panzvimbo pechinyakare 30-gore temu inonzwika senge kufamba kwakanaka, handiti? Kwete hazvo. Kusarudza yenguva pfupi yemortgage kune mamwe mabhenefiti ekuchengetedza mubereko. Nekudaro, kana mari yako yakadzikira kwenguva yemakore gumi nemashanu, yemakore makumi matatu ekutenga imba ichave yakachipa pamwedzi. Kana usina hurongwa pamusoro pemhando yemortgage yekusarudza, tarisa pazasi kuti uone kuti ndeipi yakakunakira.
Musiyano mukuru pakati pemakore gumi nemashanu nemakore makumi matatu emari yembavha ndeyekuti mubhadharo uye mubereko zvinounganidza. Nechikwereti chemakore gumi nemashanu, mari yako yepamwedzi yakakwira, asi iwe uchabhadhara zvishoma mubereko zvachose. Nechikwereti chemakore makumi matatu, zvinopesana zvinowanzoitika. Iwe unozopedzisira wabhadhara yakawanda yeimba yako nekuda kwemubereko. Asi mari dzemortgage dzinowanzodzikira.
Paunenge uchiedza kusarudza pamusoro penguva yekukwereta, funga nezvezvakanakira bhajeti yako. Edza kuyera mari yose. Somuenzaniso, ngatiti unoda kukwereta $150.000 kutenga imba. Iwe unogona kusarudza pakati pemakore gumi nemashanu ekubhadhara chikwereti pa 15% kana makore makumi matatu ekubhadhara chikwereti pa 4,00%. Pachirongwa chemakore gumi nemashanu, mubhadharo wako ungangoita $30 pamwedzi, usingasanganisire inishuwarenzi nemitero. Iwe waizopedzisira wabhadhara pedyo ne $4,50 mubereko pamusoro pehupenyu hwechikwereti.
Mortgage Term Calculator
Avhareji yekubhadhara nguva yekutenga imba ndeye makore makumi maviri nemashanu. Nekudaro, maererano neongororo yakaitwa nemortgage broker L&C Mortgages, nhamba yevatengi vekutanga-yekutenga yemakore makumi matatu neshanu kusvika makumi matatu nemashanu yakawedzera zvakapetwa kaviri pakati pa25 na31.
Ngatitii uri kutenga £250.000 chivakwa pamutengo we3% uye une 30% dhipoziti. Kukwereta £175.000 pamusoro pemakore makumi maviri nemashanu kunokubhadhara £25 pamwedzi. Kana mamwe makore mashanu awedzerwa, mubhadharo wepamwedzi unodzikiswa kusvika pa830 pounds, nepo 738-year-mortgage yaizongoita 35 pounds pamwedzi. Ndiyo 673 pounds kana 1.104 pounds zvishoma gore negore.
Nekudaro, zvakakodzera kutarisa chibvumirano chemortgage kuti uone kana uchikwanisa kubhadhara. Kukwanisa kuzviita pasina zvirango kunokupa kushanduka-shanduka kana iwe ukakwidzwa kana kupera kwemari. Iwe unogona zvakare kubhadhara mari yekondirakiti kana nguva dzakaoma.
Zvakakosha kufunga nezvazvo, sezvo chero imwe mari yaunoisa mumbamba yako pamusoro peiyo yakajairwa mari yepamwedzi inopfupisa hurefu hwese hwembavha, zvichikuchengetera imwe mhindu pamusoro pehupenyu hwemumba.
