Mortgage kubhadhara - deutsch
Chikwereti chinowanzova chikamu chakakosha chekutenga imba, asi zvinogona kuva zvakaoma kunzwisisa zvauri kubhadhara uye zvaunogona kuwana. Mortgage calculator inogona kubatsira vanokwereta kuti vafungidzire mubhadharo wavo wepamwedzi wembangi zvichienderana nemutengo wekutenga, mubhadharo wepasi, mubereko, uye zvimwe zvemwedzi nemwedzi zvemuridzi wemba.
1. Pinda mutengo weimba uye chiyero chekubhadhara kwekutanga. Tanga nekuwedzera mutengo wekutenga wemba waunoda kutenga kuruboshwe rwechidzitiro. Kana usina imwe imba mupfungwa, unogona kuedza nenhamba iyi kuti uone imba yaungatenge. Saizvozvo, kana iwe uri kufunga nezvekupa imba, iyi Calculator inogona kukubatsira kuona kuti yakawanda sei yaungapa. Tevere, wedzera mubhadharo wepasi waunotarisira kuita, ingave chikamu chemutengo wekutenga kana seyemwe mari.
2. Isa mubereko. Kana iwe wakatotsvaga chikwereti uye wakapihwa nhevedzano yemareti emubereko, isa imwe yeaya ma values mubhokisi remhindu rekuruboshwe. Kana usati wawana mubereko parizvino, unokwanisa kuisa iyo avhareji yereti yemubereko sepekutangira.
Maverengero akaita mubereko wechikwereti
Chimwe chezvipingamupinyi zvikuru kune vangangove varidzi vedzimba kuwana mari yemba. Uye chimwe chezvinhu zvinogona kugadzira kana kuputsa chikwereti chemubereko. Mari yekukwereta yechikwereti inogona kukanganisa zvakanyanya mutengo wenguva refu, ndosaka vatengi vazhinji vachitsvaga mitengo yakaderera inogoneka. Asi havasi vese vanokweretesa kana zvikwereti zvakafanana.
Zvingave zvinobatsira kana ukazvibvunza mubvunzo wekuti "Mortgage interest inoshanda sei?" usati wabvuma chero mari. Hezvino izvo zvaunoda kuziva kuti iwe ugone kuwana yakanakisa mhando yemortgage uye sarudza rudzi rwechikwereti chinoenderana nezvido zvako.
Kana ukakumbira chikwereti kuti utenge imba, unofanira kudzokera kusangano rakupa mari idzodzo. Asi iwe unofanirwa kubhadhara kupfuura mari yekutanga yawakakwereta, kureva mukuru wechikoro. Mukweretesi wako achakubhadharisawo mubereko pachikwereti. Iri komisheni yekubhadhara mutengo wechikwereti pakutanga.
Mukweretesi anoverengera chimbadzo pachikwereti sechikamu chechikwereti. Inoita izvi zvichibva pane zvakati wandei zvinhu, senge kiredhiti yako chibodzwa uye pasi yekubhadhara mari, izvo zvinogona kukanganisa zvakanyanya mwero wemitengo.
Meaning of the mortgage
Elizabeth Weintraub inyanzvi inozivikanwa munyika mune real estate, zita, uye escrow. Iye ari real estate agent uye broker ane anopfuura 40 makore ezita uye escrow ruzivo. Chiitiko chake chakaratidzwa muNew York Times, Washington Post, CBS Evening News, uye HGTV's House Hunters.
Doretha Clemons, Ph.D., MBA, PMP, anga ari mukuru weIT uye mudzidzisi kwemakore makumi matatu nemana. Iye adjunct purofesa kuConnecticut State Colleges nemaYunivhesiti, Maryville University, uye Indiana Wesleyan University. Iye anodyara zvivakwa uye director weBruised Reed Housing Real Estate Trust, uye ane rezinesi rekuvandudza imba kubva kuHurumende yeConnecticut.
Kuwanda kwemubereko kwakabhadharwa kare ndiko kunoratidza paunoda kuti mubhadharo wekutanga utange. Vazhinji vanokwereta vanosarudza kuita yavo yekubhadhara imba pazuva rekutanga remwedzi wega wega. Vamwe vanosarudza rechi15. Vanokweretesa dzimwe nguva vanokusarudzira zuva rekubhadhara iro, saka kana uine zvaunoda, zvikumbire.
MuUnited States, mubereko unobhadharwa nenguva. Wako mukuru uye mubereko wekubhadhara uchabhadhara mubereko kwemazuva makumi matatu nekukurumidza kusati kwasvika zuva rako rekubhadhara. Kana iwe uri kutengesa imba yako, semuenzaniso, mumiriri wako wekuvhara acharaira kudiwa kubva kune anobatsirwa, uyo anozotora chero mubereko usina kubhadharwa. Ngationei zvakadzama.
Mortgage Calculator formula
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 hachiwaniki hacho. Kune zvirongwa zvemortgage izvo zvinobvumira kudzika kwakadzika mubhadharo, asi kana uchikwanisa kuwana iyo 20%, unofanirwa.
