Mangani emakore akawanda ekupa zvikwereti?

Ndingawana here 35-year mortgage nemakore makumi mana?

Mushoko rimwe chete, reverse mortgage chikwereti. Muridzi wemba ane makore 62 ekuberekwa zvichikwira uye ane midziyo yakakosha yezvivakwa anogona kutora chikwereti chemba ogamuchira mari yacho semari, mari yakatarwa pamwedzi, kana mutsara wechikwereti. Kusiyana nematemu embavha, ayo anoshandiswa kutenga imba, reverse mortgages haadi kuti muridzi wemba aite chero mubhadharo wechikwereti.

Pane kudaro, chikwereti chose chechikwereti, kusvika pamuganhu, chinofanirwa uye chinobhadharwa kana mukwereti afa, anofamba zvachose, kana kutengesa imba. Mitemo yeFederal inoda vanokweretesa kuti vagadzirise kutengeserana kuitira kuti huwandu hwechikwereti husapfuure kukosha kwemba. Kunyangwe zvikadaro, kuburikidza nekudonha kwemutengo wemusika wemba kana mukwereti akararama kwenguva yakareba kupfuura yaitarisirwa, mukwereti kana nzvimbo yemukwereti haazove nemhosva yekubhadhara mukweretesi mutsauko nekuda kweinishuwarenzi yepurojekiti. .

Reverse mortgages inogona kupa mari inodiwa kuvakuru, vane mambure akoshe akasungirirwa paukoshi hwemba yavo: kukosha kwemusika wemba yavo kutapudza huwandu hwechero zvikwereti zvembatya zvasara. Nekudaro, zvikwereti izvi zvinogona kudhura uye zvakaoma, pamwe nekuzviisa pasi pehutsotsi. Chinyorwa ichi chinokudzidzisa mashandiro anoita mareverse mortgages uye kuti ungazvidzivirira sei kubva kumakomba, saka unogona kuita sarudzo ine ruzivo nezve rudzi urwu rwechikwereti rungave rwakakunakira iwe kana mudiwa.

Ndingawana here 30-year mortgage pazera re55?

Mari dzemubereko pamamortgages emakore makumi maviri neshanu dzinoita kunge dzakaderera pane 25-year-mortgages, zvinoreva kuti unogona kuchengetedza mari, kuchengetedza nguva nekubhadhara imba yako nekukurumidza, uye chengetedza kutya kwekugadziriswa kwemhindu yako. rate mortgage.

MBA inofanotaura kuti 30-year fixed-rate mortgages ichakwira zvishoma nezvishoma mu2017 yose, inosvika 4,7% muchikamu chechina che 2017. Saizvozvowo, NAR inotarisira kuti 30-year fixed rate inosvika ku4,6% pakupera kwe2017. nepo 25-year-mortgage rates iri panguva yakaderera-nguva, izvo zvingasava zvakadaro kwemakore anotevera. Kutarisa fungidziro yekuenzanisa chiyero chako chemubereko chazvino neicho mareti ekubhadhara mareti anotaridzika iye zvino uye munguva pfupi iri kutevera inzira yakanaka yekuona yako refinancing hurongwa.

Ngatiti iwe unoda chikwereti che $160.000 uye waisa 20% pasi. Chikwereti chawakatora chine mubereko we7 percent. Uine makore makumi matatu emubhadharo wechikwereti, mubhadharo wako wepamwedzi ungave $30, uye pamusoro pehupenyu hwechikwereti, iwe uchabhadhara $1.064,48 mubereko, iyo sezvaungaona yakapetwa kaviri chikwereti chepakutanga,

Mortgage Calculator yeanopfuura makumi mashanu neshanu

Izwi rekuti "mortgage" rinoreva chikwereti chinoshandiswa kutenga kana kuchengetedza imba, ivhu, kana mamwe marudzi ezvivakwa. Mukwereti anobvuma kubhadhara mukweretesi nekufamba kwenguva, kazhinji munhevedzano yemubhadharo wenguva dzose wakakamurwa kuva mukuru uye mubereko. Iyo midziyo inoshanda sechibatiso kuchengetedza chikwereti.

Mukwereti anofanira kunyorera remba kuburikidza nemukweretesi waanofarira uye ave nechokwadi chekuti anosangana nezvido zvakati wandei, senge kiredhiti kiredhiti kiredhiti uye kubhadhara pasi. Mortgage applications dzinopinda nenzira yakaoma yekunyora pasi isati yasvika padanho rekuvhara. Mhando dzemamortgage anosiyana zvichienderana nezvinodiwa nemukwereti, senge zvikwereti zvemazuva ese uye zvikwereti zvakatarwa.

Vanhu uye mabhizinesi vanoshandisa zvikwereti kutenga zvivakwa pasina kubhadhara mutengo wakakwana wekutenga kumberi. Mukwereti anodzorera chikwereti pamwe nemubereko kwenhamba yemakore akatarwa kutozosvikira ave muridzi wemudziyo wacho pasina mubhadharo uye usina mubairo. Mortgage dzinozivikanwawo sezvisungo zvinopesana nemidziyo kana zvikwereti papfuma. Kana mukwereti akatadza kubhadhara chikwereti, mukweretesi anogona kufanotaura nezveimba yacho.

Mortgage age limit yemakore makumi matatu nemashanu

Paunenge uchinge wasvitsa makumi mashanu, sarudzo dzemortgage dzinotanga kuchinja. Izvi hazvirevi kuti hazvibviri kutenga imba kana uri pazera rekurega basa, asi zvakakosha kuziva kuti zera rinogona kukanganisa sei kukweretesa.

Kunyangwe vazhinji vanopa zvikwereti vachiisa miganhu yezera, izvi zvinoenderana nekuti waunosvika kupi. Uyezve, kune vanokweretesa vanonyanya kugadzira zvigadzirwa zvemortgage, uye isu tiri pano kuti tikuratidze gwara chairo.

Gwaro iri rinotsanangura mabatiro ezera pazvikumbiro zvembavha, mashandisiro aunoita sarudzo nekufamba kwenguva, uye tarisiro yezvigadzirwa zvemudyandigere. Madhairekitori edu ekuburitswa kwemari uye zvikwereti zvehupenyu zviripo zvakare kune rumwe ruzivo rwakadzama.

Sezvaunokura, unotanga kuisa njodzi huru kune vakajairwa vanopa mari yembavha, saka zvinogona kunetsa kuwana chikwereti gare gare muhupenyu. Sei? Izvi zvinowanzoitika nekuda kwekudonha kwemari kana hutano hwako, uye kazhinji zvese zviri zviviri.

Mushure mekunge waenda pamudyandigere, hauchawana muhoro wenguva dzose kubva kubasa rako. Kunyangwe uine penjeni yekudzokera pairi, zvinogona kunetsa kune vanokweretesa kuti vazive chaizvo zvauchawana. Mari yako inogonawo kudzikira, izvo zvinogona kukanganisa kugona kwako kubhadhara.