Tsanangudzo uye mhando dzemortgage zvikwereti
Zvinoratidza kuti 63% yevaridzi vedzimba vachiri mushishi rekubhadhara zvikwereti zvavo. Kana iwe uri kufunga kutengesa asi wakanamatira kune mamwe makore gumi nemanomwe ekubhadhara imba, hezvino izvo zvaunoda kuziva.
Paunenge uchitengesa, iwe unoda kuve neyakakwana yakaenzana kubhadhara chikwereti chako chechikwereti, kuvhara mari yekuvhara, uye kuita purofiti. Pakuvhara, mari yemutengi inotanga kubhadhara chikwereti chakasara chechikwereti chako uye mari yekuvhara, uye inokubhadhara iwe yakasara. Kana uri kutengesa imba yako nguva pfupi mushure mekutenga, bvunza mukweretesi wako kuti uone kana chirango chekubhadhara chinoshanda kune chikwereti chako.
Kuwana huwandu hweamortization ndiyo nzira yakanakisa yekuwana fungidziro chaiyo yekuti uchiri nechikwereti chakadii pachikwereti chako. Unogona kuwana mari yekubhadhara nekufonera mukweretesi wako nerunhare kana online. Ndokumbira utarise kuti mari yeamortization yakasiyana neyasara yechikwereti yasara inoratidzwa pane yako yemwedzi nemwedzi yemortgage statement. Mari yerudzikinuro inosanganisira mubereko wakawedzerwa pazuva rekuvhara, saka nhamba ine chokwadi. Kana iwe uchinge wawana iyo amortization bhajeti, mukweretesi anokuzivisa iwe nezvenguva yaro, iyo inowanzova pakati pegumi ne10 mazuva.
Mortgage maringe nechikwereti
Nhasi, vanhu vazhinji havapedzisi kugara mudzimba dzavo kusvika chibatiso chabhadharwa, izvo zvinogona kuita kuti vatengesi vakawanda vafunge kana vachigona kutengesa imba yavo vachiri nechikwereti chemari. Mhinduro iri nyore ndihongu, asi kana uri mumwe wevatengesi ivavo, verenga. Hezvino izvo zvinoitika kune chikwereti chako kana iwe uchitengesa imba yako.
Zvichitaurwa zviri nyore, mukutengesa kwechinyakare, iwe unofanirwa kukwanisa kutengesa imba yako kupfuura izvo zvauri kukwereta izvozvi pachikwereti chako. Kana wanga uchibhadhara chikwereti chako mumakore apfuura, unenge wakavaka kuenzana mumba mako, izvo zvaunogona kushandisa zvakanaka kana uchinge watengesa.
Kana kutengeswa kwemba kwavharwa, pakati pekubhadhara nechikwereti chemba, mutengi anopa mari yakaenzana nemutengo wekutengesa weimba. Iyo mari inoshandiswa kubhadhara kune zvinotevera:
Kana paine mari yasara mushure mekubhadhara zvikwereti zvese izvozvo, yasara inobhadharwa kwauri semubhadharo. Iwe unogona kushandisa iyo mari kubhadhara mubhadharo wepasi paimba nyowani kana chero chaunoona chakakodzera.
shandisa pfuma sechibatiso chemortgage uk
A home mortgage chikwereti chinoitwa nebhanga, mortgage company, kana imwe sangano rezvemari pakutenga pekugara - ingava pekugara pekutanga, pekugara pechipiri, kana yeinvestment residence - kusiyana nenzvimbo yekutengeserana kana maindasitiri. Muchikwereti chemba, muridzi wemba (mukwereti) anoendesa zita reimba kune mukweretesi paine chitsidzo chekuti zita racho rinodzoserwa kumuridzi kana mubhadharo wekupedzisira waitwa uye mubhadharo waitwa. Mamiriro ehomwe.
Chikwereti chemba pamusha ndeimwe yemhando dzinowanzozivikanwa dzechikwereti, uye zvakare imwe yeanonyanya kukurudzirwa. Sezvo chiri chikwereti chakavimbiswa - pane asset (yekugara) inoshanda sechibatiso chechikwereti - zvikwereti zvine mubereko wakaderera pane chero chero rudzi rwechikwereti chinogona kuwanikwa nemutengi wega.
Zvikwereti zvepamba zvinobvumira boka rakakura kwazvo revagari mukana wekuve nedzimba, sezvo zvisingakodzere kugovera mutengo wekutenga weimba pamberi. Asi sezvo mukweretesi ane zita reimba iyo chikwereti chiri kushanda, vane kodzero yekufanotaura imba (kuitora kubva kumuridzi uye kuitengesa pamusika wakasununguka) kana mukwereti asingakwanisi kubhadhara.
Meaning of the mortgage house
Kana iwe usingakwanise kubhadhara uye chikwereti chako chikapinda mukutadza, unogona kurasikirwa nemba yako. Kana zvakadaro, imba yako ichatengeswa kubhadhara mari yako yekutanga neyechipiri yembavha. Mukweretesi wehomwe yako yekutanga ndiye achave wekutanga kugamuchira mubhadharo.
HELOC inoshanda semutsetse wenguva dzose wechikwereti. Iwe unogona kukwereta mari chero nguva yaunoda, kusvika kumuganhu wechikwereti. Unogona kutora mari kubva kuHELOC pese paunoda. Anoidzorera okwereta zvakare. Uyu mutsara wechikwereti unochengetedzwa neimba yako.
Iwe unogona kukwanisa kukwereta zvakare mari yawakabhadhara kare. Kana iwe wakabhadhara bhaluni pachikwereti chako, mukweretesi wako anogona kukubvumira kukwereta iyo mari zvakare. Iwe unogona kukwereta huwandu hwakazara hwese prepayments iwe waita. Mari yaunokwereta zvakare ichawedzerwa kune yako yekutenga imba.
Pamari yaunokwereta, uchabhadhara mubereko wakasanganiswa kana mubereko wakafanana newemotikari yako. Mubereko wakasanganiswa mubereko unosanganisa mubereko wako wazvino uye mwero uripo parizvino wetemu itsva.
