Zviri nani here kuwana chikwereti chemakore gumi nemashanu kana kubhadhara yakawanda yemakore makumi matatu emumba?
Ichi chishandiso chinokutendera kuti uverenge mari yako yemwedzi nemwedzi yekubhadhara chikwereti chemba, uchishandisa mazwi akasiyana, mareti emubereko, uye huwandu hwechikwereti. Zvinosanganisira zvemhando yepamusoro zvakaita sematafura amortization uye kugona kuverenga chikwereti chinosanganisira mutero wemidziyo, inishuwarenzi yevaridzi vedzimba, uye inishuwarenzi yembavha panzvimbo.
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Kutsvaga kana uchikwanisa kutenga imba kunotora zvakawanda pane kuwana imba mune imwe mutengo renji. Kunze kwekunge uine hama ine rupo - uye yakapfuma - inoda kukupa mutengo wakazara wemba uye ndokurega iwe uchibhadhara iyo isina mubereko, haugone kungogovera mutengo wemba nenhamba yemwedzi yaunobhadhara. ronga kuibhadhara uye muwane muripo wechikwereti. Mubereko unogona kuwedzera makumi ezviuru zvemadhora pamutengo wakakwana waunodzosera, uye mumakore ekutanga echikwereti chako, yakawanda yemubhadharo wako uchave mubereko.
Ndezvipi zvakanakira uye zvakaipira kwenguva refu yechikwereti chemba?
Panogona kuve nekukatyamadza kwakasiyana-siyana kwezvikwereti, asi kune vazhinji vanotenga dzimba, mukuita, pane imwe chete. Iyo 30-yemakore yakatarwa-yero remoti ingangoita American archetype, the apple pie yezvemari zviridzwa. Ndiyo nzira zvizvarwa zvevanhu vekuAmerica vakatora imba yavo yekutanga
Mortgage haisi chimwe chinhu kunze kweimwe mhando yenguva yechikwereti, inovimbiswa nereal estate. Muchikwereti chenguva, mukwereti anobhadhara mubereko wakaverengerwa pagore zvichienderana nesarasara yechikwereti. Zvose mubereko uye mubereko wepamwedzi zvinogadziriswa.
Sezvo mubhadharo wepamwedzi wakagadziriswa, chikamu chinoenda kunobhadhara mubereko uye chikamu chinoenda kunobhadhara mukuru chinoshanduka nekufamba kwenguva. Pakutanga, nekuti chiyero chechikwereti chakanyanya kukwirisa, mari zhinji inobhadhara. Asi sezvo chikamu chinowedzera chiduku, chikamu chemari yekubhadhara chinodzika uye chikamu chikuru chinokwira.
Chikwereti chenguva pfupi chinotakura mubhadharo wepamwedzi wepamusoro, zvichiita kuti 15-year mortgage iite senge isingadhure. Asi nguva pfupi inoita kuti chikwereti chidhure pane akati wandei. Muchokwadi, pamusoro pehupenyu hwechikwereti, makore makumi matatu ekutenga imba inozoguma yave kudhura zvakapetwa kaviri kupfuura iyo sarudzo yemakore gumi nemashanu.
Mortgage kubhadhara - deutsch
Dzimwe nyanzvi dzinoti iwe unofanirwa kubhadhara chete kana iwe uchigona kudzikisa mubereko, kupfupisa nguva yechikwereti, kana zvese zviri zviviri. Mazano aya haasi echokwadi nguva dzose. Vamwe varidzi vedzimba vangangoda kudzoreredzwa kwenguva pfupi yekubhadhara kwakaderera pamwedzi, kunyangwe zvichireva kutanga nechikwereti chitsva chemakore makumi matatu. Refinancing inogonawo kukubatsira kuti uwane kuenzana kwemba kana kubvisa chikwereti cheFHA uye mari yako yemwedzi nemwedzi yeinishuwarenzi.
Paunodzosera mari, unowana imwe mortgage yekubhadhara yako iripo. Refinancing inoshanda sekutora chikwereti chekutenga imba. Nekudaro, iwe uchabvisa kushushikana kwekutenga imba nekufamba, uye pachave nekushomeka kwekuvhara nerimwe zuva. Zvakare, kana ukademba sarudzo yako, une kusvika pakati pehusiku hwezuva rechitatu rebhizinesi mushure mekuvhara chikwereti chako kudzima kutengeserana.
Kubva muna Kubvumbi 2019 kusvika Nyamavhuvhu 2020, iyo yepakati nguva yekudzosera mari yakajairika kubva pamazuva makumi matatu nemasere kusvika makumi mana nemasere, sekureva kwaEllie Mae's Origination Insight report. Kana mubereko wadzikira uye varidzi vedzimba vazhinji voda kudzosera mari, vanokweretesa vanobatikana uye kubhadhara kunogona kutora nguva yakareba. Kudzorerazve chikwereti cheFHA kana VA kunogonawo kutora kusvika kuvhiki kureba kupfuura kugadziridza kwakajairika.
Zviri nani here kuwana chikwereti chakareba uye kubhadhara yakawanda?
Mushure mekugara mumba kana kuwana zvishoma zvishoma zvekugadzirisa zvemari, varidzi vemba vazhinji vanotanga kushamisika, "Ndinofanira kuita imwe mari yekubhadhara chikwereti here?" Mushure mezvose, kuita mubhadharo wekuwedzera kunogona kuchengetedza pamitengo yemubereko uye kupfupisa urefu hwechimba chako, zvichikuunza iwe padyo nekuve neimba yako.
Nekudaro, kunyangwe iyo pfungwa yekubhadhara imba yako nekukurumidza uye nekugara mumba mako usina remba inonzwika kuva yakanaka, panogona kunge paine zvikonzero nei kuita imwe kubhadhara kune mukuru wechikoro kungasava nemusoro.
"Dzimwe nguva zvakanaka kuita imwe mari yekubhadhara imba, asi kwete nguva dzose," anodaro Kristi Sullivan weSullivan Financial Planning muDenver, Colorado. “Somuenzaniso, kubhadhara imwe $200 pamwedzi pachikwereti chako kuti udzikise kubva pamakore 30 kusvika kumakore 25 paimba yaungangofungidzira kugara mune mamwe makore mashanu hazvikubatsiri. Iwe unozomisa iyo yekuwedzera kubhadhara pamwedzi uye haufe wakawana bhenefiti yacho ».
Kunyange zvazvo vakawanda vachibvuma kuti kufara kwokurarama usina chikwereti kunosunungura, kunogona kuitwa nenzira dzinopfuura imwe. Saka unoziva sei kana zvine musoro kuti iwe utange kubhadhara imwe principal mwedzi wega wega pachikwereti chako? Izvo zvinoenderana nemamiriro ako emari uye mabatiro aunoita discretionary mari yako.
