Ndezvipi Zvakawanda zveMusha Wenyu Unonyatsove Wako?
Isa imwe nzira; dare reLVV rinokuudza kuti yakawanda yeimba yako chaiye yakaenzaniswa nekukwereta kwako. Chiyero chinoshandiswa pamhando dzakasiyana-siyana dzezvikwereti, kusanganisira kumba uye auto zvikwereti (zvose kutenga uye refinances).
Nzira yekuverenga sei
Kuti uverenge chiyero cheLLV, igovera chikwereti chechikwereti muhuwandu hwehuwandu hwezvinhu zvakagadzirisa chikwereti.
Muenzaniso: Funga kuti unoda kutenga imba inokwana $ 100,000. Iwe une $ 20,000 inowanikwa pakubhadhara mari , saka iwe unoda kukwereta $ 80,000.
Nhamba yako yeLVV ichava 80 kubva muzana nokuti dhora rinowanikwa chikwereti iri 80 muzana yehutengo hweimba. $ 80,000 akaparadzaniswa ne $ 100,000 yakaenzana ne 0.80 (iyo yakafanana ne80 muzana - ona kuti mahedheni uye zvikamu zvakabatana sei ).
Shandisai yeVARV chiyero kuburikidza nekuparadzanisa chikwereti chechikwereti muchitengo cheimba: 80,000 / 100,000 = 0.8.
Nzira iri nyore yekuverenga LTV ndeye kushandisa kadhi yako yekushandisa kana kutsvaga Google uchishandisa slash ("/") yekuparadzanisa.
Somuenzaniso, hukama hunotevera hucha "tsvaka" mhinduro yacho: 80,000 / 100,000, kana iwe unogona kuisa iyo mukati mebhokisi rekutsvaga (kusanganisira Bing uye Yahoo).
Chikonzero nei iri nyaya
Nhamba ye LTV inobatsira vanokweretesa kuongorora njodzi: Kana vanowedzera chikwereti, ingozi yakawanda yavaitora. Njodzi yakakwirira kune anokweretesa zvinoreva:
- Zvakaoma kugamuchira kubvumirwa kune zvikwereti.
- Iwe unogona kunge uchibhadhara zvakawanda (nehuwandu hwekutora ).
- Iwe unogona kubhadhara mari yakawanda, yakadai se mortgage inshuwarisi.
Kana uri kuverenga LTV, iwe unenge uchibata nechokuita chikwereti chakachengetedzwa nedzimwe rudzi rwekutengesa . Somuenzaniso, kana ukwereta mari kutenga imba, chikwereti chinogadziriswa nechisungo paimba . Uyo anokweretesa anogona kutora nhaka yeimba uye kutengesa iko kuburikidza nekufananidza kana ukakundikana kubhadhara chikwereti. Izvo zvinoenda kumotokari yemotokari - motokari yako inogona kubhadharwa kana iwe ukarega kubhadhara.
Vatengesi havakwanisi pfuma yako - vanongoda kuti vadzorere mari yavo nokukurumidza. Kana vachikweretesa chete kusvika ku80% (kana pasi) yehupfumi hwepfuma, vanogona kutengesa imba yacho pasi pe-top-dollar kuti vawane mari yavo. Izvo zviri nyore kupfuura kutarisira kunze kwekupa kukuru.
Saizvozvowo, chipi nechipi chawakatenga chingave chakarashika kukosha kubva pawakatenga, saka chikwereti chikamu zana kana kupfuura chinopa vatengesi pangozi.
Pakupedzisira, paunenge waisa mari yako pachako mukutenga, iwe unogona kunge uchikoshesa uye unoramba uchibhadhara. Iwe une ganda mumutambo, saka iwe hausi kuzoenda kunze kunze kwekuti iwe uri kunze kwekusarudza.
Good LTV Ratios
Ndeipi yakanaka yeVARV iyo inogona kukubatsira kuti uwane mvumo kune chikwereti?
Izvo zvinoenderana nekukweretesa kwako uye chikwereti chechikwereti. Iwe kazhinji uchange uine ruzivo rwakawanda nehuwandu hutano huripo (kana kuti pasi reLV ratio).
Nezvikwereti zvemusha, 80 muzana ndiyo nhamba yemashiripiti. Kana ukwereta zvinodarika makumi mapfumbamwe makumi matatu zvezana zvekukosha kweimba, iwe unowanzofanira kuwana pega mortgage inshuwarisi (PMI) kuchengetedza chikwereti chako. Izvo zvinowedzera mari, asi iwe unogona kazhinji kubvisa inshuwarisi kana wawana pasi pe80 muzana LTV. Imwe nhamba inokosha ndiyo 97 muzana. Vamwe vanokweretesa vanokubvumira kutenga ne3% pasi ( FHA zvikwereti zvinoda 3.5 muzana) - asi iwe uchabhadhara chikwereti cheshuwarisi, zvichida nokuda kwoupenyu hwechikwereti chako.
Nezvikwereti zvemotokari, LTV maitiro anowanzoenda kumusoro, asi vateresi vanogona kugadzirisa miganhu (kana maximums) uye kuchinja matanho enyu zvichienderana nekukwirira kwehuwandu hweSVV yako. Mune zvimwe zviitiko, unogona kukwereta pane zvinopfuura 100 muzana LTV.
Pasi pemvura: Kana chikamu che LTV chakakwirira kudarika 100 muzana, chikwereti chikuru kudarika kukosha kwemari yekuwana chikwereti (kana iwe uine unhu husina kunaka). Icho hachisi mamiriro ezvinhu akanaka nokuti iwe unofanirwa kunyora cheki (kana kubhadhara) kutengesa zvinhu - haungatore mari kubva payo. Pashure pemitemo yeimba inodonhedzwa munguva yekutengesa mari, mari yemari yemvura iri pasi pemvura yaiva dambudziko guru. Zvikwereti zvemvura pasi pemvura nguva dzose inenge iri nyaya. Kana ukakwereta nehuwandu hweVARV, ita nechokwadi kuti pane chikonzero chakanaka chokutora njodzi.
Ramba uchifunga mupfungwa dzako: Hauna kufanana nemafungiro aunounza pane zvekutengesa. Kana iwe uine pfuma (kana chikamu cheimba), iwe pachako unhu hunogona kushandiswa sehutano, uye kukosha kwechido ichocho kunogona kuchinja munguva. Semuenzaniso, kana iwe ukwereta imba yako neimba yemari chikwereti , uri kushandisa kukosha kweimba yako uye nekuwedzera kuwedzera yako yeVARV chiyero apo iwe unotora chikwereti. Kana imba yako ichiwana kukoshesa nokuti mitengo yeimba inosimuka, yako LTV ichaderera (kunyange iwe ungada kuongorora kujekesa). Saizvozvowo, kana uri kukwereta mari yekuvaka musha mutsva, unogona kushandisa nyika yaunenge uchivaka pamusoro pekuenzanisa kune chikwereti chekuvaka.
Mufananidzo Mukuru
Nhengo dzeSVV dzinokosha zvikuru. Asi ivo vari chikamu chemufananidzo mukuru, unosanganisira:
- Chikwereti chako chikoro (nekodzero yakanaka zviri nyore kuti uwedzere kurenda chikwereti che LTV)
- Mari yako inowanikwa yekuita mwedzi mumwe nomumwe
- Imba yako yauri kutenga (Ndiyo imba yakagadzikana kana chikwata chezvizhinji here? Ndiyo motokari itsva kana yakashandiswa? Motokari kana RV?)
Mukuwedzera kune chikwereti chako, chimwe chezvinhu zvinokosha kune vakweretesi chikwereti chako chekuwana mari. Iko inzira yekukurumidza kuti vaone kuti mari ipi zvayo inokweretesa ichave yakakosha - iwe unogona kunyatsotora pane iyo inowanikwa mwedzi yemwedzi, kana uri kupinda mukati memusoro wako here?