Mortgage isina mari asi ine assets
Uye, nekuda kwezvirongwa zvanhasi zvemortgage, haufanirwe kunge uine mari yakawanda kuti utenge imba. Zvirongwa zvekubhadhara zvikwereti zvakaderera-pasi zvinogona kuita kuti kutenga kudhure kunyangwe mhuri dzine mari shoma dzisina mari yakawanda.
Zvirongwa zvakawanda zvembande zvinoda makore maviri ebasa akateedzana kana mari inowirirana, kungave nemushandirwi mumwechete kana mukati memunda mumwe chete. Ichi chiratidzo chekugadzikana, zvichiratidza kuti mari yaunowana icharamba yakavimbika kweanenge makore matatu mushure mekuvhara imba yako.
Kuti ushandise makomisheni, nguva yakawandisa, yakaganhurirwa mari yemasheya, kana mari yebhonasi kuti ukwanise, unofanirwa kuratidza kuti mari iyi inochengetwa kweanenge makore maviri kusvika matatu mushure mekuvhara. Izvi zvinoreva kuti wako waunoshandira anokupa chisimbiso chakanyorwa.
Mari yekuzvishandira inogona kushanduka gore negore. Kwete chete iwe unofanirwa kupa yako yakazadzikiswa mutero kudzoka kwemakore maviri apfuura, asi mari yako inofanira kuramba yakafanana kana kuwedzera mumakore maviri iwayo.
Kana usina chokwadi kana mari yako yaunowana ichizadzisa zvinodiwa, taura nemukweretesi wemba. Mukuru wako wechikwereti anogona kukubatsira kuti unzwisise kuti ndeapi marudzi emari anokodzera uye kuti ingani imba yaunokwanisa kutenga zvichienderana nekubuda kwemari yako pamwedzi.
Mortgage isina basa asi ine dhipoziti hombe
Chikwereti chisina mari kana chemari shoma chinogona kudiwa chero nguva nekuda kwekurasikirwa nebasa. Ichi chigadzirwa chakaziviswa, asi panguva iyi, unogona kunge usina mari yekuwana chikwereti cheimba, uye ungangoda kutsvaga mukweretesi wega wega wemba kuti agadzirise kusvika wadzokera kubasa kana kugadzirisa dambudziko rako remari.
Kutsvaga imba yemba isina ratidziro yemari? Tinogona kukubatsira. Nechimwe chezvigadzirwa zvedu zvakawanda, tinogona kukuwanira mari yaunoda kuti upfuure nenguva dzino dzakaoma. Mune zvimwe zviitiko, vanokweretesa vanogona kusarudza kutenga prepaid mortgage kuitira kuti usanetseka nezvekubhadhara mukati metemu uye unogona kutarisa pane zvaunofanira kuita kuti uvakezve mari yako. Pane zvinhu zvakawanda zvekufunga nezvazvo, saka tifonere nhasi uye rega tikugadzirire iwe kuti ubudirire.
Mukweretesi weB anobvumira vanozvishandira, vamiriri vekomisheni uye vanopihwa mari kuti vakwanise kusvika pamakumi manomwe neshanu muzana uye mune dzimwe nguva 75% (nechigadzirwa chemukati) kuti vatsigire, vawane chikwereti chemba kana kutenga imba ine mari yakaziviswa.
Yakaderera Income Mortgage Calculator
FHA nhungamiro yechikwereti inotaura kuti nhoroondo yekutanga munzvimbo yazvino haidiwe. Nekudaro, mukweretesi anofanira kunyora makore maviri ebasa rapfuura, chikoro, kana basa rechiuto, uye kutsanangura chero mapundu.
Munyoreri anofanira kungonyora nhoroondo yebasa yemakore maviri apfuura. Hapana dambudziko kana mukweretesi akachinja basa. Nekudaro, munyoreri anofanira kutsanangura chero mapundu kana shanduko dzakakosha.
Zvekare, kana iyi yekuwedzera mubhadharo ikadzikira nekufamba kwenguva, mukweretesi anogona kuibvisa, achifunga kuti mari yacho haigare mamwe makore matatu. Uye pasina nhoroondo yemakore maviri yekubhadhara nguva yakawandisa, mukweretesi anogona kunge asingakubvumidze kuti uzvitore pane yako yekutenga imba.
Pane zvisizvo. Semuenzaniso, kana uchishandira kambani imwe chete, ita basa rimwe chete, uye uine mari yakafanana kana iri nani, shanduko yemubhadharo wako kubva pamuhoro kuenda kune yakazara kana chidimbu komisheni inogona kusakukuvadza.
Nhasi hazvishamisi kuti vashandi varambe vachishandira kambani imwe chete uye kuva "consultants", ndiko kuti, vanozvishandira asi vanowana mari yakafanana kana yakawanda. Vanyoreri ava vanogona kunge vachitenderedza mutemo wemakore maviri.
Ndingawana here imba yemba ndisina basa muUK?
Iwe une imba mukufunga uye unoda kunyorera remba, asi usina kondirakiti isingaperi? Ipapo iwe unogona kubvunza mushandirwi wako kana achida kuburitsa tsamba yechinangwa. Tsamba yechinangwa chechikwereti inopa imwe chengetedzo kune mukweretesi wemba. Waunoshandira anozivisa kuti anoda kushandura kontrakiti yako yenguva yakatarwa - kana yapera - kuita kondirakiti yekusingaperi. Kuziviswa kwechinangwa chemortgage chikamu chekuzivisa kwemuzvinabhizinesi. Iwe unongofanirwa kuizadza chete kana mushandi asina kondirakiti isingaperi.
Waunoshandira ndiye anoburitsa chirevo chevashandirwi. Gwaro iri rinofanirwa kusanganisira: mamiriro ebasa rako (yenguva pfupi kana zvachose), muhoro wako wepagore (wakatsanangurwa nechinhu), uye chero zvikwereti kubva kumushandi wako. Chirevo chemuzvinabhizimusi igwaro rakakosha rekunyorera remba. Ichi chiziviso chinofanira kutakura imwe siginicha uye inowanzo rongwa sezvizvi
"Tichifunga kuti kushanda kunochengetedzwa uye kuti mamiriro ekambani haashanduke, pakupera kwechibvumirano chekushanda kwenguva yakatarwa, ichatsiviwa nechibvumirano chebasa chisingagumi kwenguva isingazivikanwi."
