01 Tora Chikwereti Chakanaka Nokuenzanisa APR
Is APR inoshanda yakaenzaniswa nhumbi here? Chero bedzi kana uchienzanisa maapuro nemaapulo - izvo zvinonetsa.
Kunze kweMari
Vatengesi vane imwe nzvimbo yepamusoro pavanoverenga APR nokuda kwenyu. Zvinogona kana kuti hazvingasanganisi zvimwe zvekubhadhara iwe. Semuenzaniso, mari yekupa mari yemari, kuongororwa mari, uye mari yekuongororwa ingasakwanikidzwa mubato re APR. Kubva kune vakweretesi vakasiyana vanogona kutengesa mimwe mitero yemari yekubhadhara chikwereti, kuenzanisa APR kunenge kusingakoshi.
Munhu anokweretesa wakatendeseka achabatanidza mari yakawanda inonyatsoratidza mamiriro ako, izvo zvinoita kuti APR yavo ione yakakwirira.
- Ona Manage Mari Yako Yokuvhara Dzairiro pamusoro pezvikwereti izvi
Bhinda uye Shandisa Muka
Kana uchitarisa pamashambadziro, APR inogona kunyengedza. Mawebhusayithi anogona kuratidza kukakisa APRs zvakanyanya kudarika kune yawakawana. Ramba uchifunga kuti iwe haungakwanisi kubhadharwa.
Chimwe chiziviso cheKAP chingasanganisira kusanganisira mortgage inshuwarisi mari. Kana iwe uchida ruzivo rwe mortgage inshuwarisi ( PMI ), APR ichawedzera. Saizvozvowo, avo vema APR vanowanikwa kune avo vakanakisa kubhadhara kunze uko. Kana uine chikwereti chiduku-kupfuura-chakakwana kana iwe unoda chikwereti chakaderera chemagwaro iwe uchava nepamusoro APR.
Ko APR Inotora Nguva Yakareba Ukama?
Paunoona APR yechikwereti, iwe unofunga kuti chikwereti chichabhadharwa pamusoro pehupenyu hwavo hwose. Semuenzaniso, APR inobhadhara chikwereti chemakore makumi matatu nemakumi matatu inotarwa pamwe nekufungidzira kuti iwe uchachengetedza chikwereti kwemakore makumi matatu. Muzvokwadi, vanhu vakawanda havachengetedzi zvikwereti zvavo zvipenyu kwenguva refu. Makore manomwe kana kupfuura akadaro akafanana naro.
Kana iwe uchibhadhara chikwereti chemakore makumi matatu nemakore manomwe mushure memakore manomwe, APR ichakutungamira pasi nenzira isina kururama. Iwe uchaona pasi yakadzika pamabhadharo ne high up-front yemari uye pasi inowanikwa mutengo. Zvinosuruvarisa, iwe haungakwanisi kupararira mberi-mberi mari yawakabhadhara kwemakore akawanda kwazvo.
Kana iwe uchibhadhara chikwereti chako mangwanani, chaiyo APR yakakwirira kudarika zvaunoona zvataurwa. APR inonyanya kubatsira kana uchida kuchengeta chikwereti nokusingaperi.
02 Madziro Api Anopinda Mufananidzo Mukuru
Ramba uchifunga kuti kuwana APR yakaderera hakurevi kuti uri kuita chinhu chakanakisisa pane zvose zvaunowana mune zvemari. Tarisa pamufananidzo mukuru zvakare.
Kune vakawanda vanokwereta, APR inokwereta chikwereti nezinga rakaderera uye yakakwirira-yepamusoro mari yemari yakatarisa zvakanaka. Zvisinei, izvi zvinoreva kuti uchafanira kuuya nezviuru zvemadhora nhasi. Iwe unogona kubatsirwa kubva pakuderera kwepamwedzi pamwedzi pane nguva, asi zvakakodzera here?
Iwe uchaziva mhinduro kana iwe ukatarisa mufananidzo mukuru. Kutarisa pane zvawakaita zvinogona kubatsira , uye zvimwe zvinhu zvinotarisirwawo saizvozvo. Iwe unogona here kuisa madhora mashomanana emadhora ekumusoro-mberi mari muIRA kana chirongwa chekurega basa panzvimbo uye obuda mberi? Imwe mari inodarika $ 100 pamwedzi pamubhadharo wako unoenda kune nhau iyo yakawanda mumakore mashanu kana gumi? Zvakare, uri kuenda kuchengetedza chikwereti kwenguva yakakwana kuti uwanezve mari iyoyo here?
Nokutarisa pamufananidzo mukuru une mukana wakanaka wekuita chinhu chakanaka.
03 Nzira Yakanakisisa
Kutarisa chete paKAP, iyo inonyadzisa uye zvichida kunyengera, haisi iyo nzira yakanakisisa yokutenga chikwereti. Zvechokwadi, zviri nani kupfuura tsvimbo yakananga muziso kana iwe usingakwanisi kana usingatori nguva yekutarisa pasi pe hood. Zvisinei, panofanira kuva nenzira iri nani.
Kana iwe uchida kuwana chikwereti chakanakisisa, tarisa kune imwe chikwereti chikwereti pedyo. Tarisa kudiwa uye kuvhara mari - kwete chete APR - uye nyatsocherechedza kuti mari ipi inodzingwa. Gadzira pepanheti shoma kuti uwane maapuro kuapuro kuenzanisa. Kana iwe uchida, shandisa nhamba yako pachayo neAPR calculator yedu .
Iwe unogonawo kusendamira kune wako chikwereti kuti akubatsire kutambisa kuburikidza neKAP kuenzanisa. Bvunza mumwe nomumwe wavo "sei chikwereti chenyu chiri nani kudarika mumwe mukomana?" Varatidzei kuongororwa kwechikwereti kana kuongororwa kwekutenda kwakanaka ( GFE ) uye vakuudze kuti vakubatsire kunzwisisa.
APR inogona kuvhiringidza. Kuti udzidze zvakawanda nezvemarudzi akasiyana eApri, ona Chii chaApri Mean?