Meaning yemortgage paimba
A home mortgage chikwereti chinoitwa nebhanga, mortgage company, kana imwe sangano rezvemari pakutenga pekugara — ingave pekugara pekutanga, pekugara pechipiri, kana pekugara pekudyara — mukupesana nenzvimbo yekutengeserana kana yeindasitiri. Muchikwereti chemba, muridzi wemba (mukwereti) anoendesa zita reimba kune mukweretesi paine chitsidzo chekuti zita racho rinodzoserwa kumuridzi kana mubhadharo wekupedzisira waitwa uye mubhadharo waitwa. Mamiriro ehomwe.
Chikwereti chemba pamusha ndeimwe yemhando dzinowanzozivikanwa dzechikwereti, uye zvakare imwe yeanonyanya kukurudzirwa. Sezvo chiri chikwereti chakavimbiswa - pane asset (yekugara) inoshanda sechibatiso chechikwereti - zvikwereti zvine mubereko wakaderera pane chero chero rudzi rwechikwereti chinogona kuwanikwa nemutengi wega.
Zvikwereti zvepamba zvinobvumira boka rakakura kwazvo revagari mukana wekuve nedzimba, sezvo zvisingakodzere kugovera mutengo wekutenga weimba pamberi. Asi sezvo mukweretesi ane zita reimba iyo chikwereti chiri kushanda, vane kodzero yekufanotaura imba (kuitora kubva kumuridzi uye kuitengesa pamusika wakasununguka) kana mukwereti asingakwanisi kubhadhara.
Mortgage maringe nechikwereti
Vanokweretesa vanorangarira akati wandei ezvibodzwa zvinodikanwa panguva yekukumbira chikwereti, kubva kurudzi rwechivakwa chaunoda kutenga kune chako chechikwereti. Mukweretesi anozokumbirawo magwaro akasiyana emari paunonyorera imba yemba, kusanganisira masitatimendi ekubhangi. Asi chirevo chebhangi chinoudzei kune mukweretesi, kunze kwemari yaunoshandisa mwedzi wega wega? Verenga kuti udzidze zvese zvinogona kubviswa nemukweretesi kubva kunhamba dziri pasitetimendi chako chebhangi.
Masitetimendi ebhangi magwaro emari epamwedzi kana kuti kota anopfupikisa basa rako rekubhanga. Mashoko anogona kutumirwa nepositi, nemagetsi, kana zvese. Mabhangi anoburitsa masitatimendi kuti akubatsire kuchengeta mari yako uye kuudza zvisina kururama nekukurumidza. Ngatitii une account yekutarisa uye saving account: chiitiko kubva kumaakaundi ese ari maviri chingangoverengerwa muchirevo chimwe chete.
Chirevo chako chebhangi chinozokwanisawo kupfupisa kuti imarii yauinayo muakaundi yako uye ichakuratidzawo runyoro rwezviitwa zvese panguva yakapihwa, kusanganisira madhipoziti uye kubvisa.
Meaning of property, not mortgage
Isu tiri yakazvimirira, ad-inotsigirwa kuenzanisa sevhisi. 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.
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.
Chii chinonzi mortgage payment
Nokuti mari yemwedzi nemwedzi yakaparadzira mari yechikwereti chechikwereti kwenguva yakareba, zviri nyore kukanganwa mari yose. Semuenzaniso, kana ukakwereta $200.000 pamakore makumi matatu ne30% mubereko, muripo wako wese unokwana $6, inodarika kaviri chikwereti chekutanga.
Izvo zvinoita senge misiyano midiki mumitengo yemubereko inogona kuwedzera kusvika kumari yakawanda mumakore makumi matatu. Semuenzaniso, kana chikwereti chimwe chete ichocho chemadhora mazana maviri 30 chikapfuudzwa pamubereko wezvikamu zvinomwe kubva muzana, mari yose inofanira kubhadharwa inenge iri $200.000, iyo inenge madhora 7 478.160 kupfuura nechiyero che47.480%.
Chikwereti chemumba chinodzoserwa muzvikamu zvemwedzi nemwedzi pamusoro petemu, maitiro anozivikanwa seamortization. Mumakore ekutanga, yakawanda yemubhadharo wega wega unoenda kune mubereko uye chikamu chidiki chete kune mukuru. Mugore rechimakumi maviri remakore makumi matatu echikwereti, mari yakagoverwa kune imwe neimwe inoenzaniswa. Uye, mumakore achangopfuura, mazhinji emukuru wechikoro anobhadharwa uye mhindu shoma.
Mari yaunokwereta, mari yekushandisa -inobatanidza mubereko nemakomisheni- uye nguva yaunotora kubhadhara ndizvo zvinoita kuti kutenga imba kudhure. Naizvozvo, kutsvaga nzira yekudzikisa imwe kana akawanda acho anogona kukuchengetedza mari.
