Mubereko 5 wakanaka pachikwereti chemondi here?
Panogona kunge paine sarudzo dzakawanda dzekufunga kana uchifunga kana kudzorera mari yako yembavha yakakosha. Mortgage interest rate maitiro, kiredhiti yako zvibodzwa, kukosha kwemba, uye kunyangwe nekukurumidza kwaunoronga kutama zvese zvinhu zvakakosha zvekufunga usati waita sarudzo yekuvandudza.
Chinyorwa chekunyora: Chikwereti Karma chinogamuchira muripo kubva kune vechitatu vashambadziri, asi izvi hazvikanganise maonero evapepeti vedu. Vashambadziri vedu havatarise, kutendera kana kutsigira zvinyorwa zvedu zvekunyora. Yakarurama kusvika kuruzivo rwedu uye kutenda kwedu painoburitswa.
Isu tinofunga zvakakosha kuti iwe unzwisise maitiro atinoita mari. Chaizvoizvo, zviri nyore. Izvo zvinopihwa zvezvigadzirwa zvemari zvaunoona papuratifomu yedu zvinobva kumakambani anotibhadhara. Mari yatinowana inotibatsira kukupa iwe mukana wemahara kiredhiti zvibodzwa uye mishumo uye inotibatsira kugadzira edu mamwe makuru maturusi ekudzidzisa uye zvekushandisa.
Muripo unogona kukanganisa kuti sei uye kupi zvigadzirwa zvinoonekwa papuratifomu yedu (uye nenzira ipi). Asi nekuti isu tinowanzo kuita mari kana iwe ukawana chinopihwa chaunoda wochitenga, tinoedza kukuratidza zvinopihwa zvatinofunga kuti zvakakunakira iwe. Ndosaka tichipa zvinhu zvakaita semvumo uye fungidziro dzekuchengeta.
Ko 4 imhando yakanaka yemortgage?
Panguva yekunyora uku, muna Chivabvu 2022, avhareji yemakore makumi matatu yakatarwa yaive 30%, maererano nevhiki nevhiki Freddie Mac ongororo. 5,25 years pa30 under izvozvi.
Avhareji yemitengo yemortgage yaive yakaderera kwemakore maviri apfuura. Mamiriro ekunze aya akabvumira vanokwereta zvakanyanya kuti vawane mareti ekare akaderera. Asi mitengo yakakwira muna 2022 uye zvinoita sekunge vanogona kurova 6% mukupera kwegore.
Chii chakanaka chemortgage interest rate? Mubvunzo wakaoma. Nekuti mizhinji yemitengo yakashambadzirwa inongowanikwa kune "vanofarira" vanokwereta: avo vane kiredhiti yakakura, chikwereti chidiki, uye mari yakagadzikana. Haasi munhu wose anowira muboka iroro.
Pazuva rakanyorwa izvi (Chivabvu 20, 2022), avhareji yevhiki nevhiki yaFreddie Mac yemakore makumi matatu-yakagadziriswa-remo remba yaive 30%. Asi zuva nezuva zvakaenzana neThe Mortgage Reports rate ongororo yaive 5,25% (5,484% APR). Saka zviri pachena kuti pane zvimwe zvakasiyana mumusika.
Mumwe munhu ane yakaderera pane iyo APRs (4,754%) aizobhadhara mari inosvika $263.640 mubereko pamusoro pehupenyu hwechikwereti maererano neFICO. Asi mumwe munhu ane zvibodzwa muchikamu che620-639 aizobhadhara mari inosvika madhora mazana matatu nemakumi manomwe nemazana mashanu nemakumi maviri nemakumi maviri emubhadharo wakakwana wemutengo wepamba mumwe chete. Saka nekufamba kwenguva, izvo zvingaite senge mutsauko mudiki wetiroti unogona kuwedzera kusvika kune yakakura kuchengetedza.
Ko 4,25 yakanaka yemortgage mubereko here?
Chekutanga, tinopa nzvimbo yakabhadharwa kuti vashambadziri vatumire zvavanoda. Mari yekubhadhara yatinogamuchira yekuisa ikoko ine chekuita uye kuti zvinopihwa nevashambadzi zvinoonekwa pasaiti. Saiti iyi haisanganisire makambani ese kana zvigadzirwa zviripo pamusika.
Chekutanga, tinopa nzvimbo yakabhadharwa kuti vashambadzi vatumire zvavanoda. Mari yekubhadhara yatinowana kune ads inobata sei uye kupi zvinopihwa nevashambadzi pasaiti. Saiti iyi haisanganisire makambani ese kana zvigadzirwa zviripo pamusika.
Dambudziko rekukwira kwemitengo yekurarama uye kuenderera mberi kwekukwira kwemitengo, uko kwakakwira zvinoshamisa 9% mumwedzi gumi nemiviri kusvika Kubvumbi, kuri kuwedzera mukana wekuwedzera mubereko wemari gore rino, zvichiwedzera kumanikidza kubhajeti remwedzi nemwedzi remamiriyoni eUK akaiswa mbavha. varidzi vedzimba.
Bhangi reEngland rakasimudza mibairo kusvika pa1% musi wa5 Chivabvu. Uku ndiko kuwedzera kwechina kubva muna Zvita 2021, apo mubereko webhangi wakamira pa 0,1% chete, uye uchawedzera mari inosvika mazana matatu emadhora pagore pamutengo weiyo £300 yembavha (200.000% chiyero chakasiyana).
Ndeipi mhando yakanaka yemortgage 2022
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.
