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Kubhadhara chikwereti chako nekukurumidza kunogona kukubatsira kuchengetedza zviuru zvemadhora mubereko. Asi usati watanga kukanda boka remari munzira iyoyo, iwe unozofanirwa kufunga zvishoma zvinhu kuti uone kana iri yakangwara sarudzo.
Pese paunobhadhara chikwereti, chinoparadzaniswa pakati pemukuru uye chimbadzo. Kuwanda kwekubhadhara kunoenda kune mubereko mukati memakore mashoma ekutanga echikwereti. Iwe uchava nechikwereti chiduku sezvaunobhadhara mukuru wechikoro, iyo ndiyo mari yawakakwereta pakutanga. Pakupera kwechikwereti, chikamu chikuru chekubhadhara chinoenda kune mukuru.
Iwe unogona kuisa iyo yekuwedzera mubhadharo zvakananga kune yako yehomwe principal balance. Kuwedzera mari yekubhadhara kukuru kunoderedza huwandu hwemari yauchabhadhara mubereko isati yawedzera. Izvi zvinogona kutora makore kubva pane yako yekutenga imba uye kukuchengetedza zviuru zvemadhora.
Ngatiti iwe unokwereta $150.000 kutenga imba ine 4% mhindu uye makore makumi matatu. Paunobhadhara chikwereti, unenge wabhadhara iyo whopping $30 mubereko. Izvi zviri kuwedzera kune $107.804,26 yawakambokwereta.
Maitiro ekudzikisa huwandu hwemukuru wechikwereti chechikwereti
Kune vazhinji vedu, kutenga imba kunoreva kutora chikwereti. Ndiyo imwe yezvikwereti zvakakura zvatichakumbira, saka zvakakosha kuti tinzwisise kuti zvikamu zvinoshanda sei uye ndedzipi sarudzo dzekudzidzikisa.
Ne amortization mortgage, mubhadharo wepamwedzi unogadzirwa nezvikamu zviviri zvakasiyana. Chimwe chikamu chemari yemwedzi nemwedzi chichashandiswa kuderedza uwandu hwechikwereti chasara, nepo imwe yacho ichizoshandiswa kubhadhara mhindu pachikwereti ichocho.
Kana wangosvika pakupera kwenguva yako yembavha, mukuru wawakwereta achadzorerwa, zvichireva kuti mari yemba inobhadharwa yose. Tafura iri pazasi inoratidza kuti mubereko uye mukuru achachinja sei pamusoro penguva yemortgage.
Nekudaro, pakupera kwemakore makumi maviri nemashanu, iwe uchafanirwa kukwanisa kubhadhara iyo 25 principal yawakakwereta pekutanga; kana usingakwanise, unogona kutengesa chivakwa kana kutarisana nenjodzi yekudzoserwa.
Ngatidzokerei kumuenzaniso wedu wekare we200.000-year-£ 25 remba ine mubereko we3%. Kana ukabhadhara £90 pamwedzi yakawandisa, unobhadhara chikwereti mumakore makumi maviri nemaviri chete, zvichikuchengetera makore matatu ekubhadhara mubereko pachikwereti. Uku kungave kuchengetedza kwe £22.
Mukweretesi wemba anoda kubhadhara makumi maviri uye anopa chikwereti chemakore makumi matatu nechikwereti che20
Asi zvakadini nevaridzi vanogara kwenguva refu? Iwo makore makumi matatu ekubhadhara mubereko anogona kutanga kuita semutoro, kunyanya kana achienzaniswa nekubhadhara pazvikwereti zvazvino zvine mubereko wakaderera.
Nekudaro, nerutsidzo rwemakore gumi nemashanu, unogona kuwana yakaderera mubereko uye ipfupi nguva yechikwereti kuti ubhadhare chikwereti chako nekukurumidza. Asi ramba uchifunga kuti kupfupika kwenguva yechikwereti chako, kunowedzera mari yemwedzi wega wega.
Pachikamu che5% chemubereko mumakore manomwe nemwedzi mina, mubhadharo wako wakadzoserwa wembavha ungaenzana ne135.000 $. Haana kungochengeta $59.000 mubereko chete, asi ane imwe mari yakachengeterwa mushure memakore makumi matatu ekutanga echikwereti.
Imwe yenzira dziri nyore dzekuita imwe mubhadharo gore rega rega ndeyekubhadhara hafu yemubhadharo wako wembavha masvondo maviri ega ega pane kubhadhara mari yakazara kamwe pamwedzi. Izvi zvinozivikanwa se "biweekly payments."
Nekudaro, haugone kungotanga kubhadhara mavhiki maviri ega ega. Mushandi wako wechikwereti anogona kuvhiringika nekugamuchira mubhadharo usina kukwana uye usingaite. Taura nemukwereti wako wekutanga kuti mubvumirane pachirongwa ichi.
Ndinofunga kuti unofanira kukurumidza kuenda kumba
Kubhadhara chikwereti chemba nekukurumidza kunogona kuve kufamba kwakanaka kune vakawanda vanokwereta. Inogona kuchengetedza zviuru zvemadhora mubereko uye inokupa mimwe mikana yekusununguka kwemari. Varidzi vepamba vanogona kusarudza kuchengetedza mari yakawedzerwa, kuita mari, kana kuiisa kune zvirongwa zvekurega basa.
Pane zvikonzero zvinoverengeka zvekufunga nezvekubhadhara chikwereti chemba. Semuenzaniso, mubereko wakachengetwa pachikwereti chemakore makumi matatu pamusha we $30 unogona kuva $120.000 zviri nyore. Pasina iyo mari yemwedzi wega wega, paizowedzerwa mari yemwedzi wega wega, mari inogona kushandiswa pakudyara kana kuiswa muakaundi yekuchengetedza. Runyararo rwepfungwa rwekuva nemba pasina muripo, pasina chaungakwereta kune chero munhu, runokosha.
Kungobhadhara zvishoma zvishoma mwedzi wega wega kunobvumira mukwereti kubhadhara chikwereti chemba. Kungobhadhara $100 yakawanda pamwedzi yemukuru wemortgage kunoderedza huwandu hwemwedzi yekubhadhara. A 30 gore (360 mwedzi) mortgage inogona kuderedzwa kusvika makore makumi maviri nemana (24 mwedzi), inova mari yemakore matanhatu. Pane nzira dzakati wandei dzekuwana imwe $279 pamwedzi: tora basa renguva-pfupi, kuderedza pakudya kunze, kusiya imwe kapu yekofi zuva rega rega, kana zvimwe chirongwa chakasiyana. Funga nezvemikana; zvinogona kushamisa kuti zviri nyore sei kuwanikwa.
