Ndechipi Kusiyana pakati peFixed Rates uye Variable Rates
Kana iwe ukanyatsoteerera zvinyorwa zvako zvekadhi rechikwereti - uye iwe unofanirwa iwe-unogona kuona kuti uri kutengerwa chikwereti mwedzi yakati. Makero ako emakadhi echikwereti anotengesa chikwereti chero nguva yaunotakura chikamu kupfuura nguva yenyasha. Kufarira kunotarirwa zvichienderana nehuwandu hwakaratidzwa kwauri apo iwe unyoresa kadhi rako rechikwereti. Marikiti yemakadhi anogona kunge yakagadziriswa kana kuti inowirirana chido chekuda. Misiyano pakati pezviviri ichachinja apo inharaunda yako inofanirwa kuchinja uye iwe unofanira kuziviswa.
Chii chinonzi Fixed Interest Rate?
Chimwe chikwata chekuda mari chinoramba chichifanana asi chinogona kuchinja mune imwe mamiriro ezvinhu.
- Kana iwe uri mazuva anopfuura makumi matanhatu ekupedzisira kubhadhara kadhi rako rechikwereti
- Iwe waive nehuwandu hwekutsvaga hwakapera
- Iwe wakangopedza chirongwa chekuita chikwereti
Mushure mokunge mitemo mitsva yemakadhi echikwereti inotanga kushanda, huwandu hwenharaunda husingagoneki hahukwanisi kuwedzera mukati megore rokutanga rekuvharwa kwebhuku kunze kunze kwekuti ndeimwe yezvikonzero zvakanyorwa pamusoro apa.
Kana kadhi yako yekubhadhara chikwereti ichisimudzira chido chako, inofanira kukupa maziso makumi maviri nemakumi mashanu asati awedzerwa. Iwe unobvumirwa kusarudza kubva kune chikwereti chikwata chaunowedzera uye uchiripa mubhadharo wako pazera rekare rekufarira.
Ndezvipi Zvakasiyana Nezvimwe Zvimwe Muda Wekuda?
Chimwe chikwereti chekuda kufanana chinosungirirwa kune chimwe chido chekufarira, kazhinji chinotungamira nehupfumi. Iko kushandiswa kwechirwere chekuda kune imwe nhamba yepakati yemapupe pamusoro pekuyeresa kwenhamba.
(Misiyano iri pakati pemitengo miviri inonzi margin.) Somuenzaniso, kuchinja kwechirwere chechirwere pane kadhi rako rechikwereti kunogona kuva guru + 13.79%. Muchiitiko ichocho, mharaunda, 13.79%, inowedzerwa kune chipi nechipi chinonzi premime rate iri panguva iyo inouya nehuwandu hwekufarira. Purogiramu ikozvino 3.25%, zvichiita kuti chikwereti chako chave chikaita 17.04%.
Mutengo wako wekuda kufanana unofamba uchienda uye uchidzika sezvo huwandu hunoita huchikwira nekudzika. Kadhi-kadhi yemabhadhara haafaniri kutumira iwe chiziviso chekutanga kana chikwereti chako chinokwira chichikwira nekuti huwandu hwayo hwakakwira, saka iwe hauzozivi kana chikwereti chako chichitsvaga kunze kwekunge iwe ukateerera kero yako yekubhadhara kadhi rechikwereti . Kana kadhi rako rechikwereti chikwereti ichiwedzera chikamu chemajeri chechidimbu chako chechirwere chekuda, mutengo unotarisirwa wekuwedzerwa kwemitemo unoshandiswa. Kadhi yako mumiririri achadikanwa kukuzivisa iwe nguva isati yasvika, achikupa mukana wekusarudza.
Iko Inofanirwa Nhamba Yakanakisisa Kupfuura Zvimwe Zvingaita?
Iko inonyanya kubhadharwa kweiyo yakagadziriswa chikwata chekuda mari ndiyo inodikanwa yekufambira mberi mberi uye kukwanisa kusarudza-kubva kune chido chekuda kuwedzera. Kusarudzwa kunogona kuchengetedza madhora mashomanana muzvikwereti zvemari, asi zvinogona kukuvadza chikwereti chako. Nekusiyana kwechirongwa chekuda, iwe unogona kuziva kana chikwereti chako chinowedzera chiri kuwedzera kana iwe ukanyatsocherechedza nyaya pamusoro pekuti iyo Feds iri kuwedzera chiyero chezvibereko.
Iwe unogona kudzivisa kubhadhara chikwereti zvachose nekubhadhara yako mari yakazara pamagumo emwedzi mumwe nomumwe. Nenzira iyo, hazvizovi nehanya kana iwe unofarira chikwata chakagadzikana kana chakasiyana.