Iyo yakanakisa mortgage nguva yevatengi vekutanga
Kana nguva yako yekukweretesa yapera, unozofanira kubhadhara chero yasara paakaundi yako uye chero zvikwereti zvine chekuita nazvo (kana izvo zvasvikawo kumagumo). Ichi chinodiwa chikamu chematemu emari yako.
Kana uine chimbadzo-chete chemba, mari yako yepamwedzi yanga ichibhadhara mubereko asi haina kuderedza chikwereti chako chechikwereti (kunze kwekunge wanga uchibhadhara mari yakawanda kuti uderedze mari yako yembavha nemaune). Izvi zvinoreva kuti pakupera kwenguva yakabvumiranwa yemortgage, unofanirwa kubhadhara chikwereti chacho zvizere. Dzvanya pano kuti uwane rumwe ruzivo nezve Imba Yekufarira Chete Mortgages.
Iwe unofanirwa kunge watova nehurongwa hwekubhadhara chikwereti kana nguva yacho yapera. Kana usati wagara, ndapota tizivise chirongwa chako nekukurumidza. Munokwanisa kutifonera panhamba dzinoti 0330 159 2590* kana kuzadza fomu rechirongwa chekubhadhara mari motumira kwatiri.
Kana usina hurongwa hwekubhadhara kuti ubhadhare chikwereti chako zvizere, tifonere panhamba dzinoti 0330 159 2590* nekukasira kuti uite nguva yekuonana nerunhare neanopa chipangamazano. Vanozokutsanangurira zvaungasarudza.
Fixed rate mortgage
Mortgage chikwereti chenguva refu chakagadzirirwa kukubatsira kutenga imba. Pamusoro pekubhadhara capital, iwe unofanirwa kubhadhara mubereko kune mukweretesi. Imba nenyika yakaipoteredza zvichava rubatso; Asi kana iwe uchida kuve nemba, iwe unofanirwa kuziva zvinopfuura izvi zvinowanzoitika. Iyi pfungwa inoshandawo kune bhizinesi, kunyanya kana zvasvika kune yakatarwa mitengo uye yekuvhara mapoinzi.
Anenge munhu wose anotenga imba ane chikwereti chemba. Mari dzembavha dzinowanzotaurwa panhau dzemanheru, uye fungidziro pamusoro pemafambiro emitengo ichafamba yave chikamu chenguva dzose chetsika yezvemari.
Imba yemazuva ano yakabuda muna 1934, apo hurumende - kubatsira nyika kuburikidza neKuderera Kukuru - yakagadzira chirongwa chekukweretesa icho chakaderedza kubhadhara kwaidiwa paimba nekuwedzera mari yaigona kukwereta varidzi vemba. Izvi zvisati zvaitika, 50% yekubhadhara pasi yaidiwa.
Muna 2022, mubhadharo we20% wepasi unodiwa, kunyanya sezvo kana mubhadharo uri pasi pe20%, unofanirwa kutora yakavanzika mortgage inishuwarenzi (PMI), inoita kuti mubhadharo wako wepamwedzi ukwire. Zvisinei, chinodiwa hachisati chiri hacho chinowanwa. Kune zvirongwa zvemortgage izvo zvinobvumira kudzika kwakadzika kubhadhara, asi kana iwe uchigona kuwana iyo 20%, unofanirwa.
Chikwereti changu chemondi chinofanira kuva chenguva yakareba sei?
Mortgage imhando yechikwereti umo real estate inoshandiswa sechibatiso. Chikwereti chinowanzo shandiswa kubhadhara imba kana nzvimbo yekudyara, saka haufanirwe kubhadhara iyo yakazara mari kumberi. Mukwereti anodzorera chikwereti, ane mubereko uye mukuru, pane imwe nguva yenguva kuburikidza nekutevedzana kwe "kubhadhara." Mukweretesi anowanzo kunyorwa pazita reimba kusvikira mukwereti adzorera chikwereti chacho zvizere.
Fixed rate: Iyi imhando yemortgage umo mubereko unotarwa kweimwe nhambo yenguva, kazhinji pakati pegore rimwe namashanu. Saka kunyangwe mareti emukweretesi achikwira kana kudzika, iwe unobhadhara mubhadharo wakafanana wechikwereti chemari yenguva yese yakatarwa.
A fixed-rate mortgage isarudzo yakanaka kune vanhu vanoda kuita bhajeti zvakachengeteka. Inogona zvakare kuve sarudzo yakanaka kune vekutanga vanotenga imba kugadzirisa kumaitiro ekudzorera chikwereti, pamwe nevanoisa mari vanoda kuve nechokwadi chekuyerera kwakanaka uye kunogara kuripo mumari yavo yekudyara.
Nhoroondo ye Jumbo Mortgage
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.
