Chikwereti-ku-Kukosha Calculator
Varidzi vedzimba vane 80% chikwereti-ku-value ratio havafanirwe kubhadhara yakavanzika mortgage inishuwarenzi (PMI). Uye kazhinji vane kodzero yekudzikisa mubereko. Naizvozvo, kuita mubhadharo wakakura wepasi uye kuwana chikwereti-ku-value reshiyo ye80% kana zvishoma kune zvakawanda zvakanaka.
Kuverenga chikwereti-ku-value reshiyo iri nyore. Zvese zvaunofanirwa kuita kutora mari yechikwereti woigovanisa nemutengo wekutenga kana, kana iri refinance, igovane nemutengo wakatarwa. Wowedzera nezana kuti uwane chikwereti-ku-value ratio.
Iyo yakajairwa LTV; iyo CLTV, inosanganisa imba yako yekutanga nemari yawabvisa kubva muchikwereti chako chechipiri; uye HCLTV, iyo inotarisa chikamu chese chemari yako yembavha yekutanga neyechipiri, zvisinei nemari yawabvisa.
Semuenzaniso, chirongwa chechikwereti cheFHA chakakurumbira chinobvumira kubhadhara kwe3,5% chete. Izvi zvakafanana nekutaura kuti chirongwa chine huwandu hweLTV hwe96,5%, nekuti kana ukaita 3,5% mubhadharo wepasi, iyo yakawanda yaunogona kukwereta i96,5% yemutengo wemba.
Pachikwereti cheimba, chikamu che80% chechikwereti-ku-value chakanakira nekuti chinoderedza njodzi yekuti mukweretesi arasikirwe nemari kana mukwereti akatadza. Ndicho chikonzero vanotenga dzimba vane 20% pasi uye 80% chikwereti-ku-value reshiyo vachiwana zvakakosha, sekunzvenga inishuwarenzi yemondi.
Chikwereti-ku-value ratio
Vanokweretesa vanoisa kukosha kwepamusoro pachikwereti-ku-value reshiyo paunenge uchiongorora chikumbiro chako chechikwereti. Kudzikira kweLVR, kunoderedza njodzi kubhanga, saka unogona kuwana mibairo iri nani nechikwereti chepamba cheLVR.
Mamwe masangano achashandisa desktop appraisal (AVM kana komputa yakagadzirwa) kana ongororo yakaganhurirwa (kutyaira-kuburikidza nekuongorora), pane kudhura uye kunotora nguva yakazara kuongororwa kunoda kuongororwa kwemuviri kwenzvimbo.
Chikwereti-ku-value ratio (LVR) icho mabhanga achakubvumidza kutora zvinoenderana nehuwandu hwechikwereti cheimba chaunoda, nzvimbo yeimba yako, nhoroondo yako yechikwereti uye rudzi rwechikwereti chauri kukumbira.
» …Akakwanisa kutiwana nekukasira uye pasina kupokana nechikwereti aine mubereko wakanaka apo vamwe vakatiudza kuti zvaizonyanya kuoma. Kufadzwa zvikuru nebasa ravo uye vangakurudzira zvikuru Nyanzvi dzeMortgage Loan mune ramangwana ”
"... vakaita kuti kunyorera uye kugadzirisa maitiro kuve nyore uye kusanetsekana. Vakapa ruzivo rwakajeka uye vaikurumidza kupindura chero mibvunzo. Vaive vakabuda pachena mune zvese zvaiitwa. "
40 ltv chikwereti
Chaizvoizvo, chiyero chechikwereti-ku-value (LTV) ndicho chikamu chepasi chekubhadhara, tichifunga kuti mutengo wekutenga wakaenzana nemutengo wakarongwa weimba. Saka kana ukapa 20% pasi, LTV yako i80%. Kana pane mutsauko pakati pekukosha kwakaongororwa uye mutengo wawakabvumirana kubhadhara, mukweretesi achashandisa nhamba yakaderera kuverenga LTV yako (mari yechikwereti yakakamurwa nemutengo wakaongororwa kana mutengo wekutenga). Izvi ndezvechokwadi kunyangwe uchitenga kana kugadzirisa. Iine LTV ye80% kana isingasviki, iwe uchave wakakodzera kuwana yakaderera mubereko uye mamwe mazwi akanaka. Unogona kutora matanho akati wandei ekudzikisa LTV yako, sekushanda nemupi wemazano wezvemari kuti uwedzere mari yako yaunoshandisa uye uite mubhadharo wakakura.
Chikwereti-ku-value (LTV) chikamu chikamu chemutengo weimba (kana mutengo wekutenga, kana wakaderera) wakakweretwa. Kuti uverenge reshiyo yechikwereti-ku-value, tora huwandu hwechikwereti chako wochigovanisa nemutengo wekutenga kana kukosha kwemba, chero ishoma. Wowedzera nezana kuti ushandure reshiyo kusvika muzana.
Chii chakanaka chikwereti-ku-value reshiyo yekudzosera mari?
Mhinduro pfupi ndeyokuti chikwereti-ku-value reshiyo inhamba iyo vanokweretesa vanowanzoshandisa senzira yekuongorora chero njodzi ingangove iripo pakuita chikwereti. Tichifunga izvi, mareti emubereko wechikwereti chemumba zvakare anoenderana neyakasiyana siyana yezvinhu: prime rate, kiredhiti mamakisi, kiredhiti, mukweretesi wega, nezvimwe. -iyo iyo LTV ndeimwe yeanonyanya kushandiswa uye ane mukurumbira.
Chikwereti-ku-value reshiyo inhamba (inotaridzwa sechikamu) inoyera kukosha kwemba yaunoda kutenga maererano nehuwandu hwechikwereti chaunoda kukumbira. Inowanzo shandiswa nevakweretesi mukutengesa zvivakwa kuona kana uchikodzera kukwereta.
Kutaura zvazviri, chikwereti-ku-value reshiyo inoenzanisa huwandu hwechikwereti chaunotarisira kuwana nekukosha kwemba. Vanokweretesa vanoshandisa chikwereti-ku-value ratio kuti vaone njodzi yavanogona kutora kana vakasarudza kukupa chikwereti, uye kuti uone kuti ndezvipi zvikwereti zvaungakodzerwa nazvo zvichienderana nehuwandu hwekubhadhara kana kuenzana kwaunayo mumba. Pazasi mutsara: Iyo yakaderera iyo chikwereti-ku-kukosha (LTV), iyo ine njodzi shoma iyo mortgage inoonekwa nevanogona kukweretesa. Naizvozvo, kuve nereshiyo yechikwereti-kune-value yakaderera kunogona kuvandudza mikana yako yekuwana mari yemakwikwi.
