Avhareji urefu hwemortgage muUK
Kusarudza rendi chikamu chakakosha chemaitiro ekutenga imba. Kusarudzira temu yemakore gumi nemashanu pachinzvimbo chenguva yemakore makumi matatu inonzwika senge kufamba kwakanaka, handiti? Kwete hazvo. Kusarudza yenguva pfupi yemortgage kune mamwe mabhenefiti ekuchengetedza mubereko. Nekudaro, kana mari yako yakadzikira kwenguva yemakore gumi nemashanu, yemakore makumi matatu ekutenga imba ichave yakachipa pamwedzi. Kana usina hurongwa pamusoro pemhando yemortgage yekusarudza, tarisa pazasi kuti uone kuti ndeipi yakakunakira.
Musiyano mukuru uripo pakati pemakore gumi nemashanu nemakore makumi matatu emari yembavha ndeyekuti mubhadharo uye mubereko unounganidzwa sei. Nechikwereti chemakore gumi nemashanu, mari yako yepamwedzi yakakwira, asi iwe uchabhadhara zvishoma mubereko zvachose. Nechikwereti chemakore makumi matatu, zvinopesana zvinowanzoitika. Iwe unozopedzisira wabhadhara yakawanda yeimba yako nekuda kwemubereko. Asi mari dzemortgage dzinowanzodzikira.
Paunenge uchiedza kusarudza pamusoro penguva yekukwereta, funga nezvezvakanakira bhajeti yako. Edza kuyera mari yose. Somuenzaniso, ngatiti unoda kukwereta $150.000 kutenga imba. Iwe unogona kusarudza pakati pemakore gumi nemashanu ekubhadhara chikwereti pa 15% kana makore makumi matatu ekubhadhara chikwereti pa 4,00%. Pachirongwa chemakore gumi nemashanu, mubhadharo wako ungangoita $30 pamwedzi, usingasanganisire inishuwarenzi nemitero. Iwe waizopedzisira wabhadhara pedyo ne $4,50 mubereko pamusoro pehupenyu hwechikwereti.
Iyo yakanakisa mortgage nguva yevatengi vekutanga
Avhareji yekubhadhara nguva yekutenga imba ndeye makore makumi maviri nemashanu. Asi maererano neongororo yakaitwa nemortgage broker L&C Mortgages, nhamba yevatengi vekutanga kutora chikwereti chemakore 25 kusvika ku31 yakapetwa kaviri pakati pa35 na2005.
Ngatitii uri kutenga £250.000 chivakwa pamutengo we3% uye une 30% dhipoziti. Kukwereta £175.000 pamusoro pemakore makumi maviri nemashanu kunokubhadhara £25 pamwedzi. Kana mamwe makore mashanu awedzerwa, mubhadharo wepamwedzi unodzikiswa kusvika pa830 pounds, nepo 738-year-mortgage yaizongoita 35 pounds pamwedzi. Ndiyo 673 pounds kana 1.104 pounds zvishoma gore negore.
Nekudaro, zvakakodzera kutarisa chibvumirano chemortgage kuti uone kana uchikwanisa kubhadhara. Kukwanisa kuzviita pasina zvirango kunokupa kushanduka-shanduka kana iwe ukakwidzwa kana kupera kwemari. Iwe unogona zvakare kubhadhara mari yekondirakiti kana nguva dzakaoma.
Zvakakosha kufunga nezvazvo, sezvo chero imwe mari yaunoisa mumbamba yako pamusoro peiyo yakajairwa mari yepamwedzi inopfupisa hurefu hwese hwembavha, zvichikuchengetera imwe mhindu pamusoro pehupenyu hwemumba.
Mortgages inowanzogara kwenguva yakareba sei?
Muchikwereti chechikwereti, mubereko unoramba wakafanana kweupenyu hwese hwechikwereti, pane kuti mubereko "unoyangarara" kana kugadzirisa. Chii chinoratidza fixed-rate mortgage inguva yechikwereti uye mubereko wayo. Kune akati wandei anonyanya kufarirwa akatemerwa-reti yechikwereti chechikwereti: iyo 30-gore yakatarwa-chiyero chemondi ndiyo inonyanya kufarirwa, nepo makore gumi nemashanu arikutevera. Kana tichienzanisa, mamwe mazwi echikwereti anowanzo kushomeka. Vanhu vari kubhadhara zvikwereti zvidiki vanogona kuedza kuzvibhadhara kwemakore anopfuura gumi, nepo vanhu vane kiredhiti isingadhuri vane chikwereti chakachipa vanogona kusarudza kuwedzera chikwereti chavo kusvika kumakore makumi mana kana makumi mashanu. Avo vanoda kuramba vakabatikana zvakanyanya uye vaine zvimwe zvinhu zvemari kuti vatsigire chinzvimbo chavo vanogona kusarudza mubereko-chete mbavha kana bharumu remba.
MuUnited States, zvikwereti zvakagadziriswa ndiyo inonyanya kufarirwa sarudzo. Mune dzimwe nyika dzakawanda, dzakadai seCanada, UK neAustralia, zvikwereti zvakasiyana-siyana ndizvo zvinowanzoitika. Kana chikamu chikuru chehupfumi chakarongeka muzvikwereti zvakasiyana-siyana kana nekubhadhara mari chete, kana misika yeimba inopera simba inogona kuumba kuzvidzora kunosimbisa denderedzwa, umo kukwira kwemari yezvikwereti kunotungamirira kune zvimwe zvisizvo, izvo zvinozoita kuderedza. mitengo yemba uye tsika dzepamba, zvinotungamira kune kuwanda kwechikwereti kudzvanywa uye kusakwana.
Yakanakisa mortgage nguva
Panogona kuve nekukatyamadza kwakasiyana-siyana kwezvikwereti, asi kune vazhinji vanotenga dzimba, mukuita, pane imwe chete. Iyo 30-yemakore yakatarwa-yero remoti ingangoita American archetype, the apple pie yezvemari zviridzwa. Ndiyo nzira zvizvarwa zvevanhu vekuAmerica vakatora imba yavo yekutanga
Mortgage haisi chimwe chinhu kunze kweimwe mhando yenguva yechikwereti, inovimbiswa nereal estate. Muchikwereti chenguva, mukwereti anobhadhara mubereko wakaverengerwa pagore zvichienderana nesarasara yechikwereti. Zvose mubereko uye mubereko wepamwedzi zvinogadziriswa.
Sezvo mubhadharo wepamwedzi wakagadziriswa, chikamu chinoenda kunobhadhara mubereko uye chikamu chinoenda kunobhadhara mukuru chinoshanduka nekufamba kwenguva. Pakutanga, nekuti chiyero chechikwereti chakanyanya kukwirisa, mari zhinji inobhadhara. Asi sezvo chikamu chinowedzera chiduku, chikamu chemari yekubhadhara chinodzika uye chikamu chikuru chinokwira.
Chikwereti chenguva pfupi chinotakura mubhadharo wepamwedzi wepamusoro, zvichiita kuti 15-year mortgage iite senge isingadhure. Asi nguva pfupi inoita kuti chikwereti chidhure pane akati wandei. Muchokwadi, pamusoro pehupenyu hwechikwereti, makore makumi matatu ekutenga imba inozoguma yave kudhura zvakapetwa kaviri kupfuura iyo sarudzo yemakore gumi nemashanu.
