Ko 40-year mortgage ipfungwa yakanaka here?
Chinyorwa ichi chinoda mamwe mashoko kuti chionekwe. Ndokumbirawo mubatsire kuvandudza chinyorwa ichi nekuwedzera zvinyorwa kubva kunzvimbo dzakavimbika. Zvinhu zvisina kugadzirwa zvinogona kupikiswa uye kubviswa. Tsvaga Kwazvakabva: "Chikwereti Chemba" - Nhau - Mapepanhau - Mabhuku - Nyanzvi - JSTOR (Kubvumbi 2020) (Dzidza kuti uye rinhi kubvisa chinyorwa ichi patemplate)
Vakwereta vemortgage vanogona kunge vari vanhu vari kuisa imba yavo mudzimba kana vanogona kunge vari makambani anokweretesa zvivakwa zvekutengesa (semuenzaniso, nzvimbo dzebhizinesi ravo, nzvimbo dzekugara dzakarendwa kuvaroja, kana mari yekudyara). Mukweretesi anowanzo inzvimbo yezvemari, senge bhangi, mubatanidzwa wechikwereti kana kambani yekukwereta, zvichienderana nenyika iri kutaurwa, uye zvibvumirano zvechikwereti zvinogona kuitwa zvakananga kana zvisina kunanga kuburikidza nevarevereri. Hunhu hwezvikwereti zvembatya, sehuwandu hwechikwereti, kukura kwechikwereti, mubereko wemari, nzira yekubhadhara chikwereti uye mamwe maitiro, anogona kusiyana zvakanyanya. Kodzero dzemukweretesi kumudziyo wakachengetedzwa dzinoisa pamberi pevamwe vakweretesi vemukwereti, zvinoreva kuti kana mukwereti akabhuroka kana kutadza kuita mari, vamwe vakweretesi vanongowana muripo wezvikwereti zvavanenge vakwereta nekutengesa midziyo. inobhadharwa zvizere kutanga.
40 year 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.
Makore makumi mana emortgage Calculator
Oo, makore makumi mashanu apfuura. Idzo dzaive dzimwe nguva, handiti? Vanhu vaive vasati vatombosvika pamwedzi, maBeatles aive akatsamwira mumhanzi, gallon yepeturu yaive 50 cents, uye vanhu vaifona vachisimuka kunze kwekunge vaine tambo refu kwazvo.
Imba yemakore makumi mashanu (kuridza mumhanzi unotyisa, kutinhira, uye mhere mhere kubva kuimba ine hutsinye) chikwereti chemba chine mwero wakatarwa uye mubhadharo wepamwedzi wakaderera unobhadharwa mumakore makumi mashanu. Ndiko kuti, mwedzi 50! Ndiyo chikara chemombi, iyo Moby Dick yekukweretesa, uye mari yembavha inovimbisa kuti uchave nechikwereti kwehupenyu hwako hwese hwevakuru.
Kufanana nekurwadziswa kwemvura yeChinese, 50-gore remba inzira refu uye inononoka kubhadhara imba yako. Chikwereti chemakore makumi mashanu chakatanga kuuya kuSouthern California, uko dzimba dzaive dzichiwedzera kudhura uye vanhu vaitsvaga nzira dzekugadzira dzekudzikisa mari yembavha yepamwedzi.
Kufanana nemaprimiyamu ayo pamakore gumi nemashanu nemakore makumi matatu ekutenga mbanje, makore makumi mashanu ekutenga imba ndeye yakatarwa-mwero wemongi, zvichireva kuti mubereko unoramba wakafanana pamusoro pehupenyu (hurefu) hwechikwereti. Uchabhadhara zvose mukuru uye mhindu mwedzi woga woga uye… kana uchiri mupenyu panopera makore makumi mashanu echikwereti, unenge uine imba zviri pamutemo.
Mhando dze40-year mortgages
Kusarudza rendi chikamu chakakosha chemaitiro ekutenga imba. Kusarudzira 15-gore remba panzvimbo pechinyakare 30-gore temu 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 pa15% kana makore makumi matatu ekubhadhara chikwereti pa4,00%. Pachirongwa chemakore gumi nemashanu, mubhadharo wako ungangoita $30 pamwedzi, usingasanganisire inishuwarenzi nemitero. Iwe waizopedzisira wabhadhara pedyo ne $4,50 mubereko pamusoro pehupenyu hwechikwereti.
