Ko Mortgage Vanokwereta Vanoongorora Chikwereti Vasati Vapedza?
Fixed-rate mortgages inokupa kuchengeteka. Iwe wakavharirwa mumutengo kune imwe nguva uye iwe unonyatsoziva kuti yakawanda sei yaunofanira kubhadhara mwedzi wega wega. Asi, chii chinoitika kana iwe ukafunga kusiya chiyero chakatarwa pamberi penguva uye wofunga kudzorera? Unogona here kudzorera nguva yakatarwa isati yapera, unofanira kuzviita uye ndezvipi zvakanakira nezvazvakaipira? Isu takaisa pamwe chete gwara iri nezvese zvaunofanira kuziva nezve yakatarwa-chiyero chekutanga remortgage.
Muchidimbu, chiyero chechikwereti chinokupa mubereko wenguva yakatarwa, kazhinji pakati pemakore maviri kusvika mashanu, asi inogona kureba. Izvi zvinorevei mukuita? Ngatitii wakwereta £150.000 yeimba ye£200.000 ne1%. Chiyero ichocho chakatarwa kwemakore maviri, mashanu, gumi kana kunyange makumi matatu. Iwe unoziva kuti hausi kuzobhadhara mari inopfuura 1% mubereko panguva iyoyo yakatarwa, izvo zvinoita kuti mari yako yemba isvike 565 euros pamwedzi. kusimuka uye mutengo wemortgage yako inoshanduka, sezvo wakavharirwa muyero yakatarwa. Kana muyero wakatarwa uchinge wapera, unochinja kune mwero wakajairwa (SVR), kunyangwe vanhu vazhinji vachitora remortgage pachiyero chitsva kana chiyero chekutanga chapera.
Vanokweretesa vanotarisei vasati vavhara?
Mushoko rimwe chete, reverse mortgage chikwereti. Muridzi wemba ane makore 62 kana kupfuura ane mari yakawanda yemba anogona kutora chikwereti cheimba uye ogamuchira mari yacho semari, mari yakatarwa pamwedzi, kana mutsara wechikwereti. Kusiyana nematemu embavha, ayo anoshandiswa kutenga imba, reverse mortgages haadi kuti muridzi wemba aite chero mubhadharo wechikwereti.
Pane kudaro, chikwereti chose chechikwereti, kusvika pamuganhu, chinofanirwa uye chinobhadharwa kana mukwereti afa, anofamba zvachose, kana kutengesa imba. Mitemo yeFederal inoda vanokweretesa kuti vagadzirise kutengeserana kuitira kuti huwandu hwechikwereti husapfuure kukosha kwemba. Kunyangwe zvikadaro, kuburikidza nekudonha kwemutengo wemusika wemba kana mukwereti akararama kwenguva yakareba kupfuura yaitarisirwa, mukwereti kana nzvimbo yemukwereti haazove nemhosva yekubhadhara mukweretesi mutsauko nekuda kweinishuwarenzi yepurojekiti. .
Reverse mortgages inogona kupa mari inodiwa kuvakuru, vane mambure akoshe akasungirirwa paukoshi hwemba yavo: kukosha kwemusika wemba yavo kutapudza huwandu hwechero zvikwereti zvembatya zvasara. Nekudaro, zvikwereti izvi zvinogona kudhura uye zvakaoma, pamwe nekuzviisa pasi pehutsotsi. Chinyorwa ichi chinokudzidzisa mashandiro anoita mareverse mortgages uye kuti ungazvidzivirira sei kubva kumakomba, saka unogona kuita sarudzo ine ruzivo nezve rudzi urwu rwechikwereti rungave rwakakunakira iwe kana mudiwa.
Kangani iwe unogona kutora kiredhiti kune iyo mortgage
A refinance, kana kuti "refi" kwenguva pfupi, inoreva maitiro ekuongorora uye kutsiva mazwi echibvumirano chechikwereti chiripo, kazhinji maererano nechikwereti kana mbanje. Kana kambani kana munhu afunga kudzorera chisungo chechikwereti, vanonyatso tsvaga kuita shanduko yakanaka kune yavo mubereko, chirongwa chekubhadhara uye/kana mamwe mazwi anoratidzwa mukondirakiti yavo. Kana ikabvumirwa, mukwereti anowana kontrakiti itsva inotsiva chibvumirano chepakutanga.
Vatengi vanowanzotsvaga kudzorera zvimwe zvisungo zvechikwereti kuti vawane matemu echikwereti anofadza, kazhinji vachipindura kushanduka kwemamiriro ehupfumi. Zvinangwa zvakanyanya zvekubhadhara mari ndeyekudzikisa muyero wakatarwa kudzikisa mubhadharo pamusoro pehupenyu hwechikwereti, kushandura kureba kwechikwereti, kana kutama kubva kune yakatarwa reti remba remba kuenda kune inogadziriswa rate mortgage (ARM) kana zvinopesana. .
Vanokwereta vanogona zvakare kubhadhara nekuti chimiro chavo chechikwereti chave nani, nekuda kweshanduko dzakaitwa kuhurongwa hwemari hwenguva refu, kana kubhadhara chikwereti chiripo nekuchibatanidza kuita chikwereti chemutengo wakaderera.
Shandisa kadhi rechikwereti mushure mekupa kwechikwereti
Sechikamu chemaitiro ekutenga imba, iwe unozofanirwa kuwana pre-kutenderwa kune remba. Kana uchinge wawana mukweretesi waunovimba naye uye ivo vanokupa pre-mvumo tsamba, unogona kuita chinopihwa paimba. Asi kubvumidzwa kwemortgage pre-mvumo inoshanda kwenguva yakareba sei?
Zvichienderana nemukweretesi, chikwereti chako, uye zvimwe zvinhu, preapproval yemortgage inowanzotora mwedzi mishoma. Nekudaro, zvakakosha kuti unzwisise maitiro ekubvumidza uye sarudzo dzako usati watenga imba.
Kubvumwa kwemba yemba inzira yekuona kuti munhu anogona kukwereta marii kuti atenge imba. Vanokweretesa vanotarisa mari yaunowana, midziyo, zvikwereti uye kiredhiti mamakisi kuti uone huwandu hwechikwereti uye chiyero chemubereko chauchagamuchira.
Kuwana pre-approved kunobatsira kune vanotenga imba nekuti vanozoziva kuti imarii yavanokwanisa kushandisa paimba yavo itsva. Pre-approvals zvakare inoita kuti zvive nyore kuwana imba uye inogona kusimbisa chipo chako paunochiendesa.
Unogona kuona imba pasina kubvumidzwa. Zvakadaro, kana uri kutenga imba pamusika unokwikwidza, uye vanhu vaviri vachitsvaga imba asi imwe chete ndiyo isati yatenderwa, mupiro wagara watenderwa unogona kugamuchirwa nekuti varidzi vemba vachaziva kuti mutengi ane nzira dzekutenga. Imba yavo.
