Mortgage Rate Trends muCanada
Matemu azvino ekontrakiti yako yekukwereta anogona kunge asingachakodzera zvaunoda. Kana iwe uchida kuita shanduko nguva yako isati yasvika, unogona kutauriranazve kondirakiti yako yekukwereta. Izvi zvinozivikanwawo sekutyora chibvumirano chemortgage.
Vamwe vakweretesi vemortgage vanogona kukubvumidza kuti uwedzere hurefu hwechikwereti chako nguva isati yapera. Kana ukasarudza sarudzo iyi, haufanirwe kubhadhara muripo wekubhadhara kare. Vanokweretesa vanodana sarudzo iyi kuti "mix and extend" nekuti mubereko wekare uye temu itsva yemubereko zvinosanganiswa pamwechete. Iwe unogona kubhadhara mari yekutonga.
Mukweretesi wako anofanira kukuudza kuti vanoverenga sei mubereko wako. Kuti uwane sarudzo yekuvandudza inonyatsoenderana nezvido zvako, funga nezvese mari inobatanidzwa. Izvi zvinosanganisira chero zvirango zvekubhadhara kare uye dzimwe mari dzinogona kushanda.
Iyi nzira yekuverenga mari yemubereko yakasanganiswa inorerutswa nezvinangwa zvemifananidzo. Hazvibatanidzi zvirango zvekubhadhara kare. Mukweretesi wako anogona kusanganisa chirango chekubhadhara kare nechiyero chitsva chemubereko kana kukukumbira kuti ubhadhare kana watauriranazve nezvechikwereti chako.
Shandura chiyero chekuchinja kuti chive chakagadziriswa
Sezvo mubereko wakafanana, unogara uchiziva pauchabhadhara chikwereti chako Zviri nyore kunzwisisa pane kushanduka kwemari yembanje Uchava nechokwadi chekuziva mashandisirwo emari yekubhadhara imba yako Yekutanga mubereko kazhinji yakaderera pane A. mubhadharo wakaderera unogona kukubatsira kuwana chikwereti chikuru Kana muyero mukuru ukadzikira uye mubereko wako ukadzikira, mari yako yakawanda inoenda kumukuru wechikoro Unogona kushandura kune imwe mari yembavha chero nguva.
Mubairo wekutanga unowanzo kukwira pane wemari yemortgage yakasiyana. Mari yemubereko inoramba yakagadziriswa mukati menguva yese yemondi. Kana iwe ukatyora chikwereti chechikwereti chero chikonzero, zvirango zvingangove zvakakwirira pane neinosiyana chiyero chemondi.
Fixed rate chikwereti
Musiyano uripo pakati peiyo yakatarwa chiyero chemondi uye inochinja-chinja chiyero chemondi ndechekuti, kana iri yemitengo yakatarwa, mubereko unotangwa panguva yekutora chikwereti uye hauzoshanduki. Nekusiyana-siyana kwemortgage, mubereko unogona kukwira kana kudzika.
Zvikwereti zvakawanda zvinosiyana-siyana zvinotanga nechikwereti chakaderera pane chenguva yakatarwa yemortgages. Mwero wekutanga uyu unogona kugara wakafanana kwemwedzi, gore, kana makore akati wandei. Kana nguva yekutangisa iyi yapera, mubereko wako uchachinja uye mari yako yekubhadhara inogona kukwira. Chikamu chemari yemubereko yaunobhadhara ichabatanidzwa nemwero wakakura wemhindu, inonzi index. Kubhadhara kwako kunokwira kana iyi indekisi yemubereko yawedzera. Kana mubereko wadzikira, dzimwe nguva mubhadharo unogona kudzikira, asi izvi handizvo nemaARM ese. Mamwe maARM anoisa chivharo pakukwira kwemhindu. Mamwe maARM zvakare anodzikamisa mubereko wekuderera. Usati watora mari inochinjika, tsvaga: Zano: Usafunge kuti uchakwanisa kutengesa imba yako kana kudzorera chikwereti chako mubereko usati wachinja. Hukoshi hwepfuma yako hunogona kudzikira kana mamiriro ako emari anogona kuchinja. Kana usingakwanise kubhadhara mari dzepamusoro pamari yauinayo, ungangoda kufunga nezvechimwe chikwereti. Kana uchitengera imba yemba, shanyira Buying a Home, our buyer toolkit and resources. Kana iwe uchitova nechikwereti chemba, shandisa chinyorwa ichi kuti uone matanho aungatora kuti uwane zvakanyanya kubva muchikwereti chako.
Zviri pamutemo here kushandura mortgage inoshanduka kuita yakagadziriswa pasina mvumo? yenguva
Ndeipi nguva yaunofanira kugadzirisa yako shanduko mune yakatarwa-chiyero chemondi? Kana uri kutenga imba gore rino, ndeipi sarudzo inokuchengetedza mari yakawanda? Kana iwe uchinzwisisa mutsauko wekuzvarwa pakati peakagadziriswa uye akasiyana mareti, kutyora kunotevera kuchakubatsira iwe kuita sarudzo yakanaka.
Refinancing: Vanhu vanoda mari ye emergency, kubatanidza chikwereti, kana mikana yekudyara uye vanoda kuburitsa equity kubva pamba pavo. Kunze kwekunge imba yako iine equity line yechikwereti (HELOC), iwe uchafanirwa kutyora chikwereti.
Mareti akaderera: Vanhu vakawana zvikwereti muna 2018 vaive nemareti ari pamusoro pe3% uye vakangoerekana vaona iwo mareti mamwe achidonha makumi mashanu muzana muna 50, ungada here kuramba uchibhadhara zvakapetwa kaviri zviri mumusika? Kuchinjira kumari yeramangwana yakaderera nemukweretesi mumwe chete kana kumwewo zvinoreva kutyora chikwereti chemba.
Zvichienderana nezviri pamusoro apa, vanokwereta vanobvuma kuti vanokwanisa kuita chero chezviri pamusoro mukati menguva yavo yenguva vanowanzomira nechiyero chakasiyana zvisinei nekuti chakakwira sei. Mumwe wevatengi vangu akabhadhariswa $ 129.000 mari yekuzorora yekuedza kushandura kubva pa3% kusvika ku1,20%; zvatokwana kuti nditi ndavharirwa.
