Chikwereti amortization chirongwa
Mortgage chikwereti chenguva refu chakagadzirirwa kukubatsira kutenga imba. Pamusoro pekubhadhara capital, iwe unofanirwa kubhadhara mubereko kune mukweretesi. Imba nenyika yakaipoteredza zvichava rubatso; Asi kana iwe uchida kuve nemba, iwe unofanirwa kuziva zvinopfuura izvi zvinowanzoitika. Iyi pfungwa inoshandawo kune bhizinesi, kunyanya kana zvasvika kune yakatarwa mitengo uye yekuvhara mapoinzi.
Anenge munhu wose anotenga imba ane chikwereti chemba. Mari dzembavha dzinowanzotaurwa panhau dzemanheru, uye fungidziro pamusoro pemafambiro emitengo ichafamba yave chikamu chenguva dzose chetsika yezvemari.
Imba yemazuva ano yakabuda muna 1934, apo hurumende - kubatsira nyika kuburikidza neKuderera Kukuru - yakagadzira chirongwa chekukweretesa icho chakaderedza kubhadhara kwaidiwa paimba nekuwedzera mari yaigona kukwereta varidzi vemba. Izvi zvisati zvaitika, 50% yekubhadhara pasi yaidiwa.
Muna 2022, mubhadharo we20% wepasi unodiwa, kunyanya sezvo kana mubhadharo uri pasi pe20%, unofanirwa kutora yakavanzika mortgage inishuwarenzi (PMI), inoita kuti mubhadharo wako wepamwedzi ukwire. Zvisinei, chinodiwa hachisati chiri hacho chinowanwa. Kune zvirongwa zvemortgage izvo zvinobvumira kudzika kwakadzika kubhadhara, asi kana iwe uchigona kuwana iyo 20%, unofanirwa.
Amortization of depreciation
Zvinozivikanwawo sezvikwereti zvekutanga, zvikwereti zvakazara zvine mubhadharo wepamwedzi wakaenzana. Zvikwereti zvakabhadharwa zvishoma zvakare zvine zvikamu zvekubhadhara, asi kubhadhara kwebharumu kunoitwa pakutanga kana kupera kwechikwereti.
Kuti uverenge huwandu hwemubereko unodiwa, mukweretesi anozotora chiyero chechikwereti chiripo ochiwedzera nereti yemubereko iripo. Mukweretesi anobva abvisa mari yemubereko kubva pakubhadhara pamwedzi kuti aone kuti imarii yemubhadharo inoenda kune mukuru.
Mortgage amortization inogadziriswa sei?
Justin Pritchard, CFP, inyanzvi yekubhadhara uye nyanzvi yezvemari. Inovhara kubhengi, zvikwereti, mari, zvikwereti uye zvimwe zvakawanda zveThe Balance. Ane MBA kubva kuYunivhesiti yeColorado uye akashandira masangano ezvikwereti uye mafemu makuru emari, pamwe nekunyora nezvemari yemunhu kweanopfuura makore makumi maviri.
Cierra Murry inyanzvi mumabhangi, makadhi echikwereti, mari, zvikwereti, zvikwereti zvemba uye zvivakwa. Iye mupi wezano webhangi, mumiriri wekusaina chikwereti uye mutongi gava ane makore anopfuura gumi nemashanu eruzivo mukuongorora zvemari, kunyora pasi, zvinyorwa zvechikwereti, kuongororwa kwechikwereti, kutevedzera kubhengi uye manejimendi enjodzi yechikwereti.
Amortization ndiyo mashandisirwo emari yechikwereti kune mamwe marudzi ezvikwereti. Kazhinji, mubhadharo wepamwedzi unoramba wakafanana uye unopatsanurwa pakati pemitengo yemumba (inotambirwa nemukweretesi pachikwereti), kudzikiswa kwesara rechikwereti (inozivikanwawo se "mubhadharo mukuru wechikwereti"), uye zvimwe zvinodhura. semitero yenzvimbo. .
Mari yekupedzisira yechikwereti ichabhadhara chikamu chekupedzisira chasara chechikwereti. Semuenzaniso, mushure memakore makumi matatu chaiwo (kana mazana matatu nemakumi matanhatu ekubhadhara pamwedzi), iwe unozobhadhara makore makumi matatu ekubhadhara chikwereti. Amortization matafura anokubatsira kuti unzwisise kuti chikwereti chinoshanda sei uye chinogona kukubatsira kufanotaura chiyero chako chausina kusara nacho kana mutengo wemhindu chero nguva mune ramangwana.
Muchikamu chekutanga chekubhadhara chechikwereti chakabhadharwa, mubhadharo wako wepamwedzi ndewe
Pfungwa yekutanga yemortgage amortization iri nyore: Iwe unotanga nechikwereti chemari woidzorera muzvikamu zvakaenzana nekufamba kwenguva. Asi kana iwe ukanyatsotarisisa kubhadhara kwega kwega, uchaona kuti mukuru uye kufarira pachikwereti kunoderedzwa pachiyero chakasiyana.
"Kubhadhara zvikwereti inzira yekuverenga mari inobhadhara mari yechikwereti," anotsanangura kudaro Robert Johnson, purofesa wezvemari paCreighton University's Heider School of Business.
Kana iwe uine mari yakatarwa-yemwero wechikwereti, sevaridzi vemba vazhinji, yako yemwedzi yemwedzi yekubhadhara imba inogara yakafanana. Asi kuparara kwemubhadharo wega wega - kuti imarii inoenda kune mukuru wechikwereti maringe nemubereko - inoshanduka nekufamba kwenguva.
Shanduko iyi (kubva pamari yakawanda kuenda kumukuru wechikoro) inongokanganisa magadzirirwo emari yako yemwedzi wega wega. Kana uine mari yekubhadhara mari yakatarwa, mari yaunobhadhara mwedzi wega wega kune mukuru uye mhindu inoramba yakafanana.
Kuparara kwemubhadharo kwakakosha nekuti kunotaridza kuti kukurumidza kwemba kunowedzera sei. Zvakare, kukosha kwemari kunokanganisa kugona kwako kugadzirisa, kubhadhara imba yako nekukurumidza, kana kukwereta nechikwereti chechipiri.
