Ko kambani yemortgage inogona kushandura huwandu hwechikamu?
Vazhinji vedu tinowanzo kufungidzira, kana munguva pfupi, kuti mitengo yedu yeimba icharamba yakagadzikana. Kuchinja kusingatarisirwi mubhadharo yemwedzi wechikwereti chedu kunogona kuva kushamiswa kuduku, kwete isu chete, asiwo kune bhajeti yedu.
Ichokwadi kuti mari yekubhadhara imba inogona kukwira. Izvi zvinogona kukushamisa iwe, kunyanya kana uine fixed-rate mortgage. Asi chokwadi ndechekuti, mari yako yepamwedzi yekubhadhara imba inogona kuchinja kakawanda pamusoro pehupenyu hwechikwereti.
Icho chokwadi chekuti mitero yezvivakwa inokwira kana kudzika inogona kukonzera shanduko mubhadharo remba. Vanhu vazhinji vanobhadhara mutero uye inishuwarenzi muakaundi escrow. Escrow maakaunti anobatsira nekuti anobvumidza iwe kuti udzivise kubhadhara mutero wese wemutero panguva imwe. Pane kudaro, mitero inoparadzirwa mubhadharo yakaenzana gore rose.
Kana paine kushomeka muakaundi yako nekuda kwekuwedzera kwemutero, mukweretesi wako anovhara kushomeka kusvika yako inotevera escrow account wongororo. Kana kuongororwa kwaitwa, mubhadharo wako wepamwedzi unozowedzera kuvhara nguva yawakapotsa uye kuvhara mutero wakawedzerwa uchienda kumberi. Mortgage servicer yako inongoongorora escrow kamwe chete pagore, uye haizove iyo nguva imwechete yemutero wako weimba inoongororwa.
Mari yangu yemortgage yakakwira $500
Kuperevedza kunoitika kana iyo escrow account chiyero payakaderera poindi inofungidzirwa kwemwedzi gumi nemiviri inotevera ishoma pane inodiwa chiyero chepakati. Iyi chiyero inodiwa inowanzoenderana nemwedzi miviri yekubhadhara account account. Inobatsira kukudzivirira kuitira kuti uve nemari yakakwana muakaundi yako kuvhara kuwedzera kusingatarisirwi kwemitero uye/kana inishuwarenzi.
Kana mitero yako uye/kana mari yeinishuwarenzi yakaderera pane yaitarisirwa, account yako inogona kunge iine yakasara. Kana iyo yasara iri madhora makumi mashanu kana anopfuura, cheki yakasara inobatanidzwa kune yako yegore escrow account yekuongorora. Bvisa cheki uye mari. Kana iyo yakawandisa iri pasi pemadhora makumi mashanu, mari yako ichagara muakaundi yako ye escrow.
Sarudzo yechipiri: Bhadhara mari yese yasara izvozvi. Ramba uchifunga kuti kana mutero wako uye / kana mari yeinishuwarenzi yakawedzera, mari yako yemwedzi yekubhadhara imba inogona kuramba ichikwira, kunyange iwe uchibhadhara mari yose. Muripo wako wepamwedzi unofanirwa kuvandudzwa mukati memazuva mashanu kubva pakubhadhara kupfupika.
Semuenzaniso, kana ongororo yako ikaitika muna Ndira, shanduko yekubhadhara ichatanga munaKurume. Ramba uchifunga kuti kunyange iwe uchibhadhara kuperevedza kwese, kubhadhara kwako pamwedzi kunogona kuchinja kana mitero uye / kana inishuwarenzi ichiwedzera.
Maitiro ekuita kuti chikwereti chako chisakwira
Deredza chikwereti zvakanyanya sezvinobvira kugadzirira kukwira kwemari yemubereko. Kana uine zvikwereti zvishoma, unozokwanisa kuzvibhadhara nekukurumidza. Izvi zvichakubatsira kudzivirira kushushikana kwemari kunokonzerwa nekubhadhara kwakakwirira kwechikwereti.
Ramba uchifunga kuti vamwe vanokweretesa vanogona kukupa yakaderera yekutanga mubereko wenguva yakatarwa pane mamwe marudzi ezvikwereti. Ita shuwa kuti unokwanisa kuramba uchibhadhara pamwero wepamusoro wakajairika.
Mari yako yemwedzi wega wega haizowedzeri kana mhindu ikakwira nekuti mubereko wechikwereti chako wakagadziriswa. Nekudaro, kana uchifanira kuisa mari yakawanda kune zvimwe zvikwereti kana mubereko wakwira, unogona kuzviwana uchinetsekana kana kutadza kubhadhara mota yako.
Nokuva nemwero wakatarwa womubereko pakadhi rako rechikwereti, mari yaunobhadhara pamwedzi ichawedzera bedzi kana ukasarudza kubhadhara yakawanda mwedzi woga woga. Nekudaro, iwe unogona kunge uine mari shoma yekuisa kumakadhi ako echikwereti kana mubereko pane zvimwe zvikwereti zvako uchikwira. Kana zvakadaro, zvinogona kutora nguva yakareba kuti ubhadhare kadhi rako rechikwereti, izvo zvinozodhura iwe mubereko mukufamba kwenguva.
Muripo wangu wemondi uchadzika here mushure memakore mashanu?
Pane zvinhu zvakawanda zvekufunga nezvazvo paunenge uchitenga imba. Iwe unoda kusarudza nharaunda chaiyo, tora iyo yakaderera inokwanisika yeroti yemba, uye tsvaga chivakwa chine zvese zvinowanika zvaunoda. Asi usati wapinda mune zvese zvekutenga imba, tora nhanho kumashure uye funga kuti yakavanzika mortgage inishuwarenzi inogona kukwana sei muequation. Mushure mezvose, haina kunyatsochipa.
Private mortgage inshuwarisi, kana PMI, rudzi rweinishuwarenzi yekuvhara iyo vamwe vanokweretesa vanoda kana mukwereti wemukwereti asingaiti mubhadharo wakakwana. Iyi mortgage inishuwarenzi haina kukudzivirira chero nzira. Pane kudaro, iripo kuchengetedza mukweretesi kubva mukurasikirwa kukuru kwemari kana ukatadza kubhadhara chikwereti chako. Kana iyo pfuma ikapinda mukutengesa kupfupi kana kufembera auction uye pasina kukwana kwakaringana kuvakwa kuvhara kurasikirwa, PMI inoshanda kuzadza gap.
Izvozvo zvakati, dzimwe nguva kubhadhara PMI ndicho chinhu chakanaka chekuita; inogona kukubatsira kuwana imba yaungadai usina kusvika. Saka usati waita sarudzo yekutora chikwereti cheimba chinosanganisira PMI, tanga watsvaga mhinduro dzemibvunzo mina iyi yakakosha.
