avhareji urefu hwemortgage uk
Paunenge uchitenga kana kudzorera imba, chimwe chezvisarudzo zvakakosha zvekutanga zvauchafanirwa kuita ndezvekuti unoda chikwereti chemakore gumi nemashanu kana makumi matatu. Kunyange zvazvo sarudzo mbiri idzi dzichipa mubhadharo wepamwedzi wakagadziriswa kwenguva yemakore akawanda, pane musiyano mukuru pakati pezviviri pane kungotora nguva yekubhadhara imba yako.
Asi ndeipi yakanyatsokodzera iwe? Ngatitarisei zvakanakira nekuipira kwezvose zviri zviviri kureba kwembandiro kuitira kuti ugone kuona kuti ndeipi sarudzo inonyatsoenderana nebhajeti rako uye zvinangwa zvemari zvakazara.
Musiyano mukuru pakati pe15-year mortgage uye 30-year-mortgage ndehurefu hwechimwe nechimwe. Chikwereti chemakore gumi nemashanu chinokupa makore gumi nemashanu ekubhadhara mari yakazara yawakwereta kuti utenge imba yako, nepo makore makumi matatu ekutenga imba inokupa kaviri kureba kuti ubhadhare mari yakafanana.
Zvose zvemakore gumi nemashanu nemakore makumi matatu embavha dzinogara dzakarongwa sezvikwereti zvakatemwa, zvinoreva kuti mubereko unotarwa pakutanga, paunotora imba yemba, uye mubereko iwoyo unochengetwa mukati metemu yese. chikwereti. Iwe zvakare kazhinji une mubhadharo wakafanana wepamwedzi wenguva yese yemortgage.
40 yemakore mortgage muUK
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.
Mhando dze40-year mortgages
Nguva yemortgage ndiyo kureba kwekontrakiti yako yekukwereta. Izvi zvinosanganisira zvese izvo kondirakiti yemondi inotangwa, kusanganisira mubereko. Mitemo inogona kubva kumwedzi mishoma kusvika kumakore mashanu kana kupfuura.
Pakupera kwetemu yega yega, iwe unofanirwa kuvandudza imba yako. Ungangoda mari shoma kuti ubhadhare chikwereti chako chemba zvizere. Kana iwe ukabhadhara chikamu chechikwereti chako pakupera kwetemu, haufanire kuivandudza.
Inomiririra inomiririra ye $300.000 yembavha ine 5-makore temu uye 25-makore amortization. Huwandu hwechikwereti hunodzikira kubva pamakore 1 kusvika ku25 sekubhadhara kunoitwa. Makore 1 kusvika ku5 anomiririra izwi. Makore 1 kusvika 25 anomiririra amortization.
A convertible term mortgage zvinoreva kuti mamwe mamortgage enguva pfupi anogona kuwedzerwa kusvika kwenguva refu. Kana iyo mortgage yashandurwa kana kuwedzerwa, mubereko wemari inoshanduka. Kazhinji, mubereko mutsva uchave unopiwa nemukweretesi kwenguva refu.
Iyo nguva yechikwereti chako inogadza mwero wemhindu uye mubereko weimwe nguva. Chikwereti chako chinogona kunge chine mubereko wakamisikidzwa kana wakasiyana. Chibereko chakatarwa chakafanana mutemu yese. Mubairo wakasiyana unogona kuchinja panguva yetemu.
Makore makumi mana emortgage Calculator
Oo, makore makumi mashanu apfuura. Idzo dzaive dzimwe nguva, handiti? Vanhu vanga vasati vasvika pamwedzi, maBeatles akanga akatsamwa mumhanzi, galoni repeturu raiita 50 cents, uye vanhu vaifona vachisimuka kunze kwekunge vaine tambo refu chaiyo.
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.
