Mortgage Refinancing Haikodzeri Mudzidzi Wega Wega
Imba yekudzikinura ndeye hasha dzose apo chido chekuderera chinodonha. Matengo haafaniri kurega kwazvo, zvimwe, vasati vese vadzimba veimba vasarudza kuti kugadzirisa zvinyorwa zvavo zvekare zvinonzwisisika. Asi haisi nguva dzose kugadzirisa pfungwa dzezvemari kuti dzigadzirise . Dzimwe nguva, kutora chikwereti refinancing ndicho chinhu chakaipisisa chaungaita.
Chii chinonzi Mortgage Refinancing?
Kudzosera rekutengesa kunoreva kuti varidzi vari kubhadhara mari yavo yekutengesa uye vari kutora chikwereti ichocho nechikwereti chitsva.
Kazhinji, mari inobatanidza nekutora chikwereti chekugadzirisa mari inosungirwa muhomwe, zvichireva kuti yakawedzerwa kune chikwereti chiripo, kuwedzera chikwereti chemari.
Kana chikwereti chemari chikwereka ichiwedzerwa, mubairo wekodzero inoderera.
Zvinokwanisika kuwedzera chikamu chikuru chekutora chikwereti uye kuderedza chikwereti chiripo chekubhadhara mari. Ndicho chikonzero vazhinji vakwereta vachikwanisa kutora chikwereti chekunamatira. Kuti kuderedza chikwereti chiripo chekubhadhara mari, izwi rechikwereti rinowedzera. Asi kubhadhara kwakaderera hakukwanise kubhadhara munguva refu. Inowanzowanzogadziriswa kwenguva pfupi.
Neiko Mortgage Refinancing Inowedzera Nguva Yenyu Yenyu Yenyu
Apo izwi rechikwereti rinowedzera, zvinotora nguva yakareba kuti kuripire iyo chikwereti chakazara. Kana iwe wakatora chikwereti pawakatenga imba yako, zvichida yaive chikwereti chemakore makumi matatu. Iti iwe unosarudza kugadzirisa chikwereti chako pamagumo emakore mashanu. Panzvimbo pokutarisira kubhadhara chikwereti chako mumakore 25 panguva ino, iwe zvino uchange uchibhadhara chikwereti ichocho kwemakore makumi matatu.
Kana chikwereti chako chepakutanga chave chichishandiswa kwemakore makumi matatu nemakumi matatu ($ 100,000) chikwereti pa 6%, kufara kwako kwemwedzi ndeye $ 599.55. Kana iwe uchigadzirisa kuti chikwereti pa $ 103,000, pa55%, mutero wako mutsva uri $ 584.82. Chikwereti chako chichagadziriswa kumakore makumi matatu emakore. Vakawanda vanokwereta vanosarudza nguva yemakore makumi matatu emakore.
Iwe uchaita mwedzi miviri yekubhadhara uye ubhadhara $ 35,065 pamusoro pehupenyu hwechikwereti, kana iwe uchigara munzvimbo yacho kwenguva yakakwana yekubhadhara chikwereti chako.
Kana ukasarudza kutengesa mushure mekutengesa mari, iwe ucharasikirwa ne $ 3,000 zvekuenzanisa, pamwe nezvose zvakasara iwe waive wakabhadhara pasi pamutengo we $ 100,000 wepakutanga.
Zvinodhura Zvinosanganiswa Nehupfumi Refinancing
Iwe unogona kubhadhara mari yekubhadhara chikwereti kuburikidza nehuwandu hwechikwata kana kuti iyo mari ichawedzerwa kune yako yausina kubhadhara mari yekubhadhara mari nokuti vanhu vashomanana veimba vanobhadhara mari iyo mari. Hapana kana kukwira pasina. Kutevera zvinowanzoitwa mari yekubhadharwa:
- Kuongorora
- Musoro weGwaro
- Escrow
- Loan Points
- Kubva
- Processing
- Underwriting
- Wire
- Mubatsiri Anoda
- Kushanda
- Administration
- Reconveyance
- Credit Report
- Notary
- E-mail doc
- Mutero wemitero
- Kurejera
Hazvikwanisi kukoshesa kubhadhara mari yako yekuchengetedza $ 15 pamwedzi pasi pemamiriro ezvinhu aya. Vazhinji vezvikwata zvekutengesa vanoti iwe unofanira kukwanisa kubhadhara mari yako kubva kune chikwereti chekubhadhara mari pamusoro pemakore matatu. Kana iwe wakachengeta $ 15 chete pamwedzi uye yakakutengesa $ 3,000 mubhadharo, zvinotora mwedzi 200 kuputsa kunyange.
Zvisinei, kana mari yako yose yekugadzirisa mari yako inodhura iwe $ 3,000, somuenzaniso, uye iwe wakachengetedza $ 50 pamwedzi mubhadharo yako yekubhadhara mari kuburikidza nekuderedza iyo nezviyero, iwe unoputsa kunyange pamagumo emakore mashanu. Dzimwe nguva, vanhu vanoshanduka kuva vatsva vanogadzirisa, uye nguva dzose nharaunda dzinofara dzinodonha hafu yechinhu kana nheyo, dzinomhanyira kugadzirisa, dzichifunga kuti dziri kuita chinhu chakanaka kana kazhinji chiri chakasiyana.
Uyezve, mamiriro ako ega ega angave akasiyana, uye kugadziridza kunogona kuve nekunzwisisa kwauri kana zvisingagoni kune vamwe pakutanga. Somuenzaniso, taura iwe une imba yechipiri ine chikwereti chemari ye $ 200,000. Kuti chikwereti chinogona kubhadharwa pamwero wakaderera kupfuura mazuva ano. Kana imba yako yepamusoro inotora chikwereti, ichiti, yakabhadharwa makore anopfuura gumi, iwe unogona kunge uchigadzirisa imba yako yepamusoro pamakore makumi matatu, chengetedza chikwereti ichocho, uye ubhadhara chikwereti pamusha wako wechipiri.
Kana iwe uri mukusava nechokwadi, bvunza unyanzvi hweimba yehumba uyo asina mbwa mumakwikwi, akaita seapraiser, kana mukuru wekuchechera, kana kunyange mutengesi weimba yekutengesa kuverenga mathemoni kwauri. Nokuti kana iwe ukakumbira chikwereti chikwereti kana iwe uchifanira kugadzirisa, kazhinji mhinduro kumubvunzo iwoyo ndiyo.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.