mhinduro
Kune vanhu vazhinji, kutenga imba ndiko kudyara kukuru kwemari kwavachaita. Nekuda kwemutengo wayo wakakwira, vanhu vazhinji vanowanzoda remba. Mortgage imhando yechikwereti chakabhadharwa icho chikwereti chinodzoserwa muzvikamu zve periodic pane imwe nguva yenguva. Nguva yeamortization inoreva nguva, mumakore, iyo mukwereti anosarudza kuzvipira kubhadhara chikwereti.
Kunyangwe iyo inonyanya kufarirwa mhando ndeye 30-year-fixed-rate mortgage, vatengi vane dzimwe sarudzo, kusanganisira 15-year-mortgages. Nguva yeamortization haikanganisi chete iyo nguva ichatora kubhadhara chikwereti, asiwo huwandu hwemubereko huchabhadharwa muhupenyu hwese hwemumba. Nguva dzekubhadhara dzakarebesa dzinowanzoreva miripo midiki yepamwedzi uye mibairo yakakwira mukati mehupenyu hwechikwereti.
Kusiyana neizvi, nguva shoma dzekubhadhara dzinowanzoreva mubhadharo wepamwedzi wakakwira uye mutengo wakaderera wemhindu. Ipfungwa yakanaka kune chero munhu ari kutsvaga imba yemba kuti atarise akasiyana ekubhadhara sarudzo kuti awane iyo inonyatso kuenderana nehutungamiriri uye inogona kuchengetedza. Pazasi, isu tinotarisa akasiyana emortgage amortization maitiro emazuva ano vanotenga dzimba.
Spitzer table
Kune vanhu vazhinji, kutenga imba ndiko kudyara kukuru kwemari kwavachaita. Nekuda kwemutengo wayo wakakwira, vanhu vazhinji vanowanzoda remba. Mortgage imhando yechikwereti chakabhadharwa icho chikwereti chinodzoserwa muzvikamu zve periodic pane imwe nguva yenguva. Nguva yeamortization inoreva nguva, mumakore, iyo mukwereti anosarudza kuzvipira kubhadhara chikwereti.
Kunyangwe iyo inonyanya kufarirwa mhando ndeye 30-year-fixed-rate mortgage, vatengi vane dzimwe sarudzo, kusanganisira 15-year-mortgages. Nguva yeamortization haikanganisi chete iyo nguva ichatora kubhadhara chikwereti, asiwo huwandu hwemubereko huchabhadharwa muhupenyu hwese hwemumba. Nguva dzekubhadhara dzakarebesa dzinowanzoreva miripo midiki yepamwedzi uye mibairo yakakwira mukati mehupenyu hwechikwereti.
Kusiyana neizvi, nguva shoma dzekubhadhara dzinowanzoreva mubhadharo wepamwedzi wakakwira uye mutengo wakaderera wemhindu. Ipfungwa yakanaka kune chero munhu ari kutsvaga imba yemba kuti atarise akasiyana ekubhadhara sarudzo kuti awane iyo inonyatso kuenderana nehutungamiriri uye inogona kuchengetedza. Pazasi, isu tinotarisa akasiyana emortgage amortization maitiro emazuva ano vanotenga dzimba.
Ndedzipi dzimwe nzira dzekudzikisa kufarira kwenguva refu pamusoro pehupenyu hwechikwereti?
Iyo 30-gore yakatarwa-chiyero chemondi inopa vanokwereta mukana wakakosha: chokwadi chekuyerera kwemari. Asi chokwadi ichi chinouya nemutengo wakakwirira. Ini ndinokurudzira amortization mortgage chigadzirwa chinovimbisa kubhadhara kwakadzikama kune vanokwereta, uku ndichisunungura vakweretesi nevaisiri vemari kubva pamitengo inonetsa yemarendi akatarwa. Ichi chigadzirwa chemondi chaizove neinoshanduka kana yenguva pfupi mubereko, asi chikamu chekubhadhara chaizoitwa (kana kuderedzwa) mumhando (nemamwe mazwi, nekugadzirisa mukuru wechikwereti). Muchidimbu chemutemo uyu, ndinotaura nezvechigadzirwa ichi seFixed Amortization uye Adjustable Principal (FA/AP) remba.
Dambudziko guru nezvikwereti zvezvivakwa injodzi yemubereko. Nhoroondo, mitengo yakatangira kubva pasi pe3% kusvika kune anopfuura 15%. Njodzi zhinji yemubereko inobva mukukwira kwemitengo, iyo inoshanduka. Mortgage rates, mambure einotarisirwa inflation premium, yagara ichibva pa1% kusvika pa5%.
Vanokweretesa vanogona kudzivirira njodzi yemubereko nekupa zvikwereti zvinogadziriswa (ARMs), asi maARM anofumura vanokwereta kunjodzi yekuyerera kwemari. Kana mukwereti akatora 4% yemortgage uye shanduko yeFederal Reserve policy kana kusimbaradza kwehupfumi kukwidza mitengo kusvika pa5% kana kupfuura, mukwereti anotarisana nekuwedzera kwezvikamu zviviri muzana mumitengo yembangi. Kuwedzera uku hakubatike pamutengo unowanzo svika chikamu chimwe muzvina chekushandisa pamba, uye kazhinji chikamu chikuru chekushandisa kwemhuri mumisika inodhura yezvivakwa. Naizvozvo, kupa mari yekutenga imba ine zvikwereti zvembande zvinogona kukanganisa.
Mortgage amortization inogadziriswa sei?
Muchikamu che "Down Payment", nyora huwandu hwekubhadhara kwako (kana uri kutenga) kana huwandu hwemari yaunayo (kana uri kudzorerazve). Kubhadhara pasi ndiyo mari yaunobhadhara mberi kweimba, uye kuenzana kweimba ndiko kukosha kweimba, kubvisa zvaunokwereta. Unogona kuisa mari yedhora kana chikamu chemutengo wekutenga wauchasiya.
Mari yako yepamwedzi yemubereko Vakweretesi vanokupa mwero wepagore, saka unozofanirwa kupatsanura nhamba iyoyo negumi nembiri (nhamba yemwedzi pagore) kuti uwane muyero wepamwedzi. Kana mubereko uri 12%, mwero wepamwedzi uchava 5 (0,004167/0,05 = 12).
Nhamba yekubhadhara kwehupenyu hwechikwereti Wedzera huwandu hwemakore muchikwereti chako negumi nemaviri (nhamba yemwedzi pagore) kuti uwane huwandu hwekubhadhara pachikwereti chako. Semuyenzaniso, makore makumi matatu emuhomwe akagadziriswa angave ane mazana matatu nemakumi matanhatu ekubhadhara (12×30=360).
Iyi fomula inogona kukubatsira kudzvanya nhamba kuti uone kuti imarii yaungakwanise kubhadhara imba yako. Kushandisa yedu mortgage calculator kunogona kuita kuti basa rako rive nyore uye kukubatsira kuti usarudze kana uri kuisa mari yakakwana pasi kana uchikwanisa kana kugadzirisa nguva yechikwereti chako. Iri zano rakanaka nguva dzose kuenzanisa mareti emubereko nevazhinji vanokweretesa kuti uve nechokwadi chekuti uri kuwana dhiri yakanakisa iripo.
