Amortization purogiramu
Mumashoko akareruka, amortization ndiyo hurongwa hwekubhadhara mukati memba yemba. Nhoroondo yezwi rokuti "nyora" rinobva kuOld French, iyo inoreva "kuuraya." Kana chikwereti chako chabhadharwa zvizere, chinobhadharwa zvachose.
Kunyangwe zvingaite sezvinotyisa, zvakakosha kuti unzwisise kuti amortization inorevei pachikwereti chako uye maverengero ekubhadhara kwako pamwedzi. Kuziva iyo amortization hurongwa kunogona kukubatsira kuti usarudze kana zvichikunakira iwe kuti uwedzere kubhadhara pane yako yemba.
Sezvo huwandu hwechikwereti chako hwakaderedzwa, iwe unobhadhara zvakanyanya uye zvakanyanya kune mukuru. Ichi chikamu chakakosha chekuvaka imba yakaenzana. Kuenzana kwemba ndiwo mutsauko uripo pakati pezvaunokwereta pachikwereti chako uye kukosha kweimba yako.
Ndiyo yasara yechikwereti. Imari iyo, semukwereti, uri kudzorera kumukweretesi. Sezvo mukuru mukuru achibhadharwa, mari shoma ichabhadharwa. Zvinotora nguva isati yatanga kubhadhara mari yekubhadhara mari yekubhadhara mari yekubhadhara mari yatanga kuita dent mubhadharo huru; Paunotanga kubhadhara, yakawanda yekubhadhara pamwedzi ichashandiswa kubhadhara mubereko.
Mortgage amortization inogadziriswa sei?
Une mubvunzo nezve pamudyandigere uye real estate? Client Advisor achafara kukurukura nezvemamiriro ako ezvinhu mukubvunzana wega uye kuita mazano akakodzera.Retirement Advice Dzvanya apa kuti uwane imwe nguva yekupa zano.
Panyaya yekubhadhara kwakananga kwechipiri chechikwereti, chikwereti chinobhadharwa zvishoma nezvishoma, izvo zvinoderedza kuwanda kwechikwereti pamwe chete nemutoro wemubereko. Zvisinei, mubereko wakaderera pachikwereti unorevawo kudzikiswa kwemutero. Neamortization isina kunanga, mari yacho inoiswa muakaundi yepenjeni uye mubhangi chete pakupera kwenguva yakabvumiranwa yemortgage, iyo inopa zvakanakira mutero.
Iwe unongofanira kubhadhara chikamu chechipiri chechikwereti. Kuti kubhadhara kana kusabhadhara chikwereti chako chekutanga kune chekuita nemari zvinoenderana nemamiriro ako emari.Zvimwe pamusoro penyaya iyi Unogonawo kufarira
dzorera chikwereti
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, dzakadai semakore gumi nemashanu embavha. 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.
Amortization betekenis
Kutenga imba inguva inonakidza, ingave iri imba yako yekutanga kana kusimudzira kana kudzikisira. Nekudaro, kusarudza iyo mortgage yakakunakira iwe kunogona zvakare kunetsa. Kana waona kuti imarii yaunoda kushandisa paimba uye kuti imarii yaungashandisa, uye wawana imba yakanaka, unofanira kusarudza kuti ndeipi nguva yekubhadhara yakanakira zvaunoda uye bhajeti.
Pane misiyano yakati wandei pakati pematemu mapfupi ekubhadhara (makore gumi kana gumi nemashanu) uye mazwi ekubhadhara marefu (makore makumi maviri nemashanu kana makumi matatu) aunofanirwa kufunga nezvawo kana uchisarudza nguva yako yekubhadhara imba.
Imwe yemabhenefiti makuru ekuva nenguva pfupi yekubhadhara ndeyekuti iwe unopedza nguva shoma uchibhadhara chikwereti chako, saka unobuda machiri nekukurumidza. Izvi zvinoreva zvakare kuti iwe uchabhadhara mubereko wakaderera zvachose uye kuvaka kukosha mumba mako nekukurumidza. Kuenzana kwemba ndicho chikamu cheimba yako chauinacho chaicho, uye chinoverengerwa nekutora kukosha kwazvino kwemba uye kubvisa chauchiri kukwereta pachikwereti.
