Chii chinonzi 15/6 arm mortgage?
Isu tiri yakazvimirira, ad-inotsigirwa kuenzanisa sevhisi. Chinangwa chedu ndechekukubatsira kuita sarudzo dzemari dzine hungwaru nekupa maturusi ekudyidzana uye macalculator emari, kutsikisa zvekutanga uye zvemukati zvine chinangwa, uye nekukubvumidza kuti utsvage uye uenzanise ruzivo mahara, kuti ugone kuita sarudzo dzemari uine chivimbo.
Izvo zvinopihwa zvinoonekwa pane ino saiti zvinobva kumakambani anotiripa. Muripo uyu unogona kukanganisa kuti zvigadzirwa zvinoonekwa sei uye kupi pane ino saiti, kusanganisira, semuenzaniso, kurongeka kwazvinogona kuoneka mukati mezvikamu zverondedzero. Asi muripo uyu haukonzeri ruzivo rwatinoburitsa, kana wongororo yaunoona pane ino saiti. Isu hatisanganisire zvakasikwa zvemakambani kana zvipo zvemari zvinogona kuwanikwa kwauri.
Isu tiri yakazvimiririra, inotsigirwa nekushambadzira sevhisi yekuenzanisa. Chinangwa chedu ndechekukubatsira kuita sarudzo dzemari dzine hungwaru nekupa maturusi ekudyidzana uye macalculator emari, kuburitsa zvepakutanga uye zvine chinangwa, uye nekukubvumidza iwe kuita tsvagiridzo uye kuenzanisa ruzivo rwemahara, kuti iwe ugone kuita sarudzo dzemari nechivimbo.
Kuipa kweiyo variable rate mortgage
Kuva nemba ndiko kutanga kwechitsauko chako chinotevera. Usati wapinda mumba yezviroto zvako, iwe uchafanirwa kusarudza kuti ndeipi mortgage inonyatso kuenderana nezvinangwa zvako zvemari. Imwe yeidzo sarudzo ndeyekusiyana chiyero chemortgage. Asi chii chinonzi variable rate mortgage? Ngationgororei sarudzo iyi kuti mugoona kuti yakakunakirai here.
A variable rate mortgage chikwereti chemondi ine mubereko wemari inogadzirisa nekufamba kwenguva zvichienderana nemusika. Adjustable-rate mortgage inowanzotanga pamutengo wakaderera pane wemoti yakatarwa, saka inogadziriswa-chiyero chemortgage isarudzo huru kana chinangwa chako chiri chekuwana chiyero chakaderera chinogoneka.
Chikwereti chechikwereti chinogona kupa kuchengetedzeka kwakawanda nekuti chinochengetedza mubereko wakafanana muhupenyu hwese hwechikwereti. Izvi zvinoreva kuti mari yekubhadhara mari yemwedzi wega wega icharamba iripo kwehupenyu hwechikwereti.
Nekune rimwe divi, ARM inogona kubhadharisa mubereko mushoma panguva yenhanganyaya, nokudaro ichipa mubhadharo wekutanga pamwedzi. Asi mushure menguva iyoyo yekutanga, shanduko mumari yemubereko ichakanganisa kubhadhara kwako. Kana mibairo ikadonha, maARM anogona kunge asingadhure pane yakatarwa-remo remba; asi ARM inogona kudhura zvakanyanya kana mitengo ikakwira.
Mari yemubereko yepamutemo
Fixed-rate mortgages uye inogadziriswa-chiyero chemondgage (ARMs) ndiwo maviri makuru emhando dzemortgages. Kunyange zvazvo misika ichipa marudzi akawanda mukati mezvikamu zviviri izvi, danho rokutanga pakutenga chikwereti ndechekuona kuti ndeipi yemhando mbiri dzezvikwereti zvinonyanya kukodzera zvaunoda.
Fixed-rate mortgage inochaja mubereko wakatemerwa unoramba wakafanana kwehupenyu hwechikwereti. Kunyangwe huwandu hwemukuru uye mubereko unobhadharwa mwedzi wega wega unosiyana kubva pakubhadhara kuenda kune kubhadhara, iyo yese yekubhadhara inoramba yakafanana, zvichiita kuti bhajeti rive nyore kune varidzi vedzimba.
Iyo inotevera chikamu cheamortization chati inoratidza kuti huwandu hwemukuru uye mhindu hunochinja sei muhupenyu hwemondi. Mumuenzaniso uyu, nguva yechikwereti imakore makumi matatu, mukuru we $ 30, uye mubereko i100.000%.
Mukana mukuru wechikwereti chakamisikidzwa ndechekuti mukwereti anodzivirirwa kubva kamwe-kamwe uye nekuwedzera kwakakosha mukubhadhara kwemari yemwedzi nemwedzi kana mhindu yakakwira. Fixed-rate mortgages iri nyore kunzwisisa uye inosiyana zvishoma kubva kune mukweretesi kuenda kune mukweretesi. Izvo zvakaderera zvemafixed-rate mortgages ndezvekuti kana mibereko yakakwira, zvinonetsa kuwana chikwereti nekuti mari yacho haidhure. Mortgage Calculator inogona kukuratidza kukanganisa kwemitengo yakasiyana pakubhadhara kwako kwemwedzi.
Mukwereti haana chokwadi chekuti osarudza chiyero chakatarwa kana chechikwereti chakasiyana-siyana
Matemu uye tsananguro dzinotevera dzakagadzirirwa kupa chirevo chakareruka uye chisina kurongeka kumazwi nemitsara yaunogona kuona pawebhusaiti yedu uye inogona kunge isina kujaira kwauri. Chirevo chaicho chetemu kana mutsara zvinoenderana nekuti chinoshandiswa kupi uye sei, semagwaro akakodzera, kusanganisira zvibvumirano zvakasainwa, zvirevo zvevatengi, zvinyorwa zvemukati zveChirongwa chemitemo, uye mashandisirwo eindasitiri, zvichadzora zvinoreva. Matemu uye tsananguro dzinotevera hadzina chero chinosunga chekuita nekuda kwekondirakiti chero ipi zvayo kana kumwe kutengeserana nesu. Mumiriri wako weCampus Housing Programs kana vashandi veLoan Programs Office vachafara kupindura chero mibvunzo yaungave unayo.
Rondedzero Yekunyorera: Rondedzero yakanyorwa yezvinyorwa izvo mukwereti uye kambasi inoda kupa kuHofisi Yezvirongwa zveChikwereti kuti isati yatenderwa kana mvumo yechikwereti. Iyo inozivikanwa zvakare seOLP-09 fomu.
Automated Clearing House (ACH): Iyo yemagetsi mari yekufambisa network inobvumira kutamiswa kwemari zvakananga pakati pekutora chikamu maakaundi ekubhangi nevakweretesi. Iyi ficha inowanikwa chete kune vanokwereta avo vasiri pari zvino mubhadharo wekubhadhara.
