Affordability muchiSpanish
*Muenzaniso wemutengo wepamba unotangira pamakore makumi matatu echimbadzo che30% pakutenga imba muFlorida, ine mutero wepagore weimba we4,0% uye yepagore yepagore $0,97 yevaridzi vemba. Wako wega mubereko uye bhajeti zvichasiyana. Yese mienzaniso yakagadzirwa neThe Mortgage Reports mortgage Calculator
* Mienzaniso yese inotora kiredhiti mamakisi mazana manomwe nemakumi maviri, mutero wenzvimbo we 720% pagore, uye inishuwarenzi yevaridzi vemba ye $0,1 pagore. Ese maverengero akaitwa uchishandisa Iyo Mortgage Reports Kumba Kunokwanisika Calculator
Mamwe macalculator emortgage haafungi nezvese mari inosanganisirwa mukubhadhara kwemwedzi. Izvi zvinogona kukupa fungidziro isiri yechokwadi yekuti ingani imba yaunokwanisa kutenga zvichienderana nemari yemhuri yako.
Chikonzero chacho? Iwe une bhajeti yemwedzi yakatarwa uye, kana mamwe mari yeimba yakakwira, une bhajeti shoma yeimba yacho pachayo. Zvakare, izvi zvinoderedza huwandu hwemba hwaunogona kutenga.
Rangarira zvakare kuti iwe unofanirwa kufunga nezve mari yemwedzi nemwedzi yehupenyu hwezuva nezuva, senge mbozhanhare, Internet uye zvekushandisa mabhiri. Vanokweretesa havavafungidzire pakusarudza kukodzera kwako. Asi ivo vanozopesvedzera bhajeti rako repamwedzi uye kuti inokwanisika sei mari yako yembavha.
mortgage zvinodiwa
Kutenga imba nechikwereti kazhinji ndiko kunonyanya kukosha kwekudyara vanhu vazhinji vanoita. Mari yaunokwanisa kukwereta inobva pane zvakati wandei, kwete kungoti imarii bhengi rinoda kukukweretesa. Iwe unofanirwa kuongorora kwete chete mari yako, asiwo zvaunoda uye zvaunokoshesa.
Kazhinji, vangangove varidzi vedzimba vanogona kuwana mari yekubhadhara imba nechikwereti pakati pekaviri nekaviri nehafu mari yavanotambira pagore. Maererano nefomula iyi, munhu anotambira $100.000 200.000 pagore anokwanisa chete kutenga imba yemba ye$250.000 XNUMX kusvika $XNUMX XNUMX. Nekudaro, iyi kuverenga ingori gwara rekutungamira.
Pakupedzisira, kana uchifunga nezve chivakwa, zvimwe zvakati wandei zvinoda kutariswa. Kutanga, zvinobatsira kuziva izvo mukweretesi anofunga kuti unokwanisa kutenga (uye kuti vakasvika sei pakufungidzirwa ikoko). Chechipiri, iwe unofanirwa kuita imwe yekuongorora iwe pachako uye nekuona kuti ndeipi mhando yeimba yaunoda kugara mairi kana ukaronga kuzviita kwenguva yakareba uye ndeapi mamwe marudzi ekushandisa aunoda kusiya - kana kusa- kugara mairi. imba yako.
Mortgage interest rates
Iwe hausi kuda kuguma uine chikwereti chausingakwanisi kutenga, saka zvakakosha kuti uve nechokwadi pamusoro pemari yaunowana pamwedzi uye mari yaunotarisirwa, uye kusiya imwe nzvimbo mubhajeti yako yenjodzi kana mari isingatarisirwi inogona kumuka.
Vazhinji vanachipangamazano vezvemari vanobvuma kuti vanhu havafanire kushandisa mari inodarika makumi maviri nesere muzana yemari yavanotambira pamwedzi pamitengo yedzimba uye vasapfuure makumi matatu nenhanhatu kubva muzana pachikwereti chose, zvinosanganisira dzimba pamwe nezvinhu zvakaita sezvikwereti zvevadzidzi, mari yemotokari, uye kubhadhara kadhi rechikwereti. Mutemo we28/36 muzana ndiwo mutemo wekukwanisa kutenga imba unoisa hwaro hwezvaunokwanisa kutenga mwedzi wega wega.
Muenzaniso: Kuti uverenge kuti 28% yemuhoro wako imarii, ingowanza mari yaunowana pamwedzi ne28. Kana mari yako yepamwedzi iri $6.000, semuenzaniso, equation ingave 6,000 x 28 = 168,000. Zvino patsanura huwandu ihwohwo nezana. 100 ÷ 168,000 = 100.
Zvichienderana nokuti unogara kupi uye kuti unowana marii, mari yaunowana pagore inogona kudarika kukwana kubhadhara imba yemba, kana kuti inogona kuperevedza. Kuziva zvaunogona kutenga kunogona kukubatsira kutora matanho anotevera mune zvemari. Chekupedzisira chaunoda kuita kusvetukira muchikwereti chemakore makumi matatu chemba chinodhura zvakanyanya kubhajeti yako, kunyangwe iwe uchigona kuwana mukweretesi anoda kunyora pasi chikwereti chemba.
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Kana iwe usingakwanise kutenga imba nemari, iwe uri mukambani yakanaka. Muna 2019, 86% yevatengi vemba vakashandisa chibatiso kuvhara chibvumirano, sekureva kweNational Association of Realtors. Kana uri mudiki, ndipo paungazoda chibatiso chemba kuti utenge imba - uye unowedzera mukana wekushamisika, "Imba yakawanda sei yandingakwanisa kutenga?" sezvo usati wapfuura nemuchiitiko ichi.
Mari ndiyo inonyanya kuoneka pakuwanda kwemba yaunokwanisa kutenga: Kuwanda kwaunowana, ndiko kuwedzera kwaunokwanisa kutenga imba, handiti? Hongu, zvakanyanya kana zvishoma; zvinoenderana nechikamu chemari yako yakatovharwa nekubhadhara chikwereti.
Unogona kunge uchibhadhara chikwereti chemotokari, kadhi rechikwereti, chikwereti chako pachako, kana chikwereti chemudzidzi. Pazvishoma, vanokweretesa vachawedzera zvikwereti zvepamwedzi zvekubhadhara zvauchaita mumwedzi gumi inotevera kana kupfuura. Dzimwe nguva, ivo vanotozosanganisira zvikwereti iwe unongobhadhara kwemwedzi mishomanana kana iyo mibhadharo inokanganisa zvakanyanya mubhadharo wepamwedzi wemubhadharo waunogona kutenga.
Ko kana iwe uine chikwereti chemudzidzi mukuregeredza kana kushivirira uye parizvino usiri kubhadhara? Vazhinji vanotenga dzimba vanoshamisika kuziva kuti vanokweretesa vanokonzeresa kubhadharwa kwechikwereti chako chemudzidzi mune yako yemwedzi yekubhadhara chikwereti. Mushure mezvose, kuverengera uye kushivirira kunongopa vanokwereta kuregererwa kwenguva pfupi, kupfupika kupfuura nguva yechikwereti chavo.
