Vanogona kundimanikidza kusaina imwe mari yembavha here?

Zvakanakira nezvazvakaipira zvefixed rate mortgage

Inogadziriswa-yero yemortgages inowanzopa yakaderera mareti uye kuwedzera kuchinjika, asi kana mitengo ikakwira, unogona kupedzisira wabhadhara yakawanda mune ramangwana. Fixed-rate mortgages inogona kunge iine mitengo yakakwira, asi inouya nevimbiso yekuti uchabhadhara mari yakafanana mwedzi wega wega patemu yese.

Pese painobatirwa mari yembavha, imwe yekutanga sarudzo kusarudza pakati pemitengo yakatarwa kana yakasiyana. Zviri nyore imwe yesarudzo dzakanyanya kukosha dzauchazomboita, sezvo zvichizokanganisa mubhadharo wako wepamwedzi uye mutengo wakazara wemba yako nekufamba kwenguva. Kunyange zvingave zvichiedza kuenda nemutengo wakaderera unopihwa, hazvisi nyore. Marudzi ese ari maviri emondgage ane zvayakanakira nezvaanokanganisa, saka iwe unofanirwa kunzwisisa kuti yakagadziriswa-mwero uye inosiyana-mwero wemonji inoshanda sei usati waita sarudzo.

Muzvikwereti zvakatemwa, mubereko wakafanana mutemu yose. Hazvina mhosva kuti mhindu inokwira here kana kuderera. Chibereko chemubereko pachikwereti chako hachichinji uye uchabhadhara mari yakafanana mwedzi wega wega. Fixed rate mortgages kazhinji ine mubereko wepamusoro pane wemari yemortgage yakasiyana nekuti inovimbisa mwero wenguva dzose.

Fixed rate mortgage

ONA: Kana zvasvika pamitengo yemitengo yembanje, mitengo yakatarwa inodhura zvakanyanya pane inochinja-chinja, nekuti vanhu vazhinji vanoda kubhadhara zvakanyanya kuti vazvinetse zvishoma nezve chero shanduko yemari. Nekudaro, kushushikana pamusoro pekudonha kungangoita kwasundidzira mitengo yakatarwa kuti ive yakachipa sarudzo. - Mbudzi 23, 2019

Kazhinji, kuchinja kubva pachiyero chakasiyana kusvika pachiyero chakatarwa kusati kwapera nguva yako yekubhadhara chikwereti zvinoreva kusaina chiyero chepamusoro. Fixed mortgage rates inowanzokwirira pane inosiyana mitengo nekuti vanhu vanoda kubhadhara zvakanyanya kuti vanyaradzwe nekuziva kuti mhindu yavo haichinji.

Zvakadaro, fixed mortgage rates yadonha pasi pe variable variables for months, chiitiko chisingawanikwe chinoratidza kushushikana kwemudyaridzi pamusoro pekugona kwekuderera kweramangwana muUS neCanada.VERENGA ZVAKAWANDA: Nemitengo yakagadziriswa iri pasi pemitengo inoshanduka, musika wemongi uri kukwiraSomuenzaniso. , iyo yakaderera yemakore mashanu yakagadziriswa chiyero inowanika munyika yose pane yakajairika mortgage ikozvino 2,79%, maererano naRobert McLister, muvambi weiyo saiti yekuenzanisa RateSpy.com mitengo. Muyero wakaderera wechikamu chemakore mashanu i2,89%, zvinoreva kuti vane chiyero chakasiyana nechikamu chemakore mashanu vanokwanisa kuwana mwero wakaderera wemakore mashanu pane wazvino. Uye chii chiri nani pane kuwana mwero uri nani uye runyararo rwepfungwa rwemubhadharo wakagadziriswa wembande? Nyaya inoenderera pazasi ad

Zvakanakira nekuipira kwemitengo yakagadziriswa uye yakasiyana-siyana

Sarudzo yechikwereti chakamisikidzwa kana chakasiyana chemondgage chinogona kuenderana nezvaunoda iwe pachako. Pazasi, isu tinotarisa mimwe misiyano pakati peyakagadziriswa uye inochinja-chinja yemortgage zvikwereti kuti ikubatsire kusarudza iyo yakakunakira iwe.

Pane zvakawanda zvingasarudzwa zvechikwereti chemba. Izvi zvinosanganisira rudzi rwekubhadhara (semuenzaniso, "mukuru nemhindu" maringe ne "mhindu chete") uye mubereko. Muchinyorwa chino isu tinotarisa pamitengo yemubereko uye kuti inogona kukanganisa sei chikwereti chemondi.

Chikwereti chemubereko chakamisikidzwa ndechimwe umo mubereko unovharirwa mukati (kureva, yakatarwa) kwenguva yakatarwa, kazhinji iri pakati pegore rimwe kusvika gumi. Panguva iyo mubereko unotarwa, zvose zviri zviviri mubereko nezvikamu zvinodiwa hazvichinji.

Kusiyana neizvi, chiyero chakasiyana chechikwereti chechikwereti chinogona kuchinja chero nguva. Vanokweretesa vanogona kuwedzera kana kuderedza mubereko wakabatana nechikwereti. Chiyero chemubereko chinogona kuchinja maererano nezvisarudzo zvakaitwa neReserve Bank yeAustralia, pamwe nezvimwe zvinhu. Huwandu hunodiwa hwekubhadhara huchawedzera kana mibereko yakwira, uye ichidzikira kana mhindu yadonha.

30-makore akasiyana mortgage rates

CHERECHEDZA: Kana zvasvika pamitengo yemitengo yembanje, mitengo yakatarwa inowanzove inodhura pane inosiyana mitengo, nekuti vanhu vazhinji vanoda kubhadhara zvakanyanya kuti vazvidye moyo zvishoma nezve chero shanduko yemari. Nekudaro, kushushikana pamusoro pekudonha kungangoita kwasundidzira mitengo yakatarwa kuti ive yakachipa sarudzo. - Mbudzi 23, 2019

Kazhinji, kuchinja kubva pachiyero chakasiyana kusvika pachiyero chakatarwa kusati kwapera nguva yako yekubhadhara chikwereti zvinoreva kusaina chiyero chepamusoro. Fixed mortgage rates inowanzokwirira pane inosiyana mitengo nekuti vanhu vanoda kubhadhara zvakanyanya kuti vanyaradzwe nekuziva kuti mhindu yavo haichinji.

Zvakadaro, fixed mortgage rates yadonha pasi pe variable variables for months, chiitiko chisingawanikwe chinoratidza kushushikana kwemudyaridzi pamusoro pekugona kwekuderera kweramangwana muUS neCanada.VERENGA ZVAKAWANDA: Nemitengo yakagadziriswa iri pasi pemitengo inoshanduka, musika wemongi uri kukwiraSomuenzaniso. , iyo yakaderera yemakore mashanu yakagadziriswa chiyero inowanika munyika yose pane yakajairika mortgage ikozvino 2,79%, maererano naRobert McLister, muvambi weiyo saiti yekuenzanisa RateSpy.com mitengo. Muyero wakaderera wechikamu chemakore mashanu i2,89%, zvinoreva kuti vane chiyero chakasiyana nechikamu chemakore mashanu vanokwanisa kuwana mwero wakaderera wemakore mashanu pane wazvino. Uye chii chiri nani pane kuwana mwero uri nani uye runyararo rwepfungwa rwemubhadharo wakagadziriswa wembande? Nyaya inoenderera pazasi ad