Kubatsirwa uye Kukanganisika Kwekugadziriswa Kwemari Mariji
Chigadziriswa chiyero chezvikwereti (ARMs) zvikwereti zvemusha zvine chiyero chakasiyana . Sezvo zvikwereti zvinokwira zvichikwira uye zvichiwira pasi, zvikwereti zvekugadziriswa kwehuwandu hwemari inotevera inotevera. Izvi zvinogona kuva zvikwereti zvinobatsira zvekupinda mumba, asi ivowo vane ngozi. Peji ino inobata zvigadziriro zvekugadziriswa kwezinga rezvitoro.
The Rate
Chigadziriswa chiyero chezvikwereti zvakasiyana-siyana nokuti chido chekufarira pane chikwereti chinogadziriswa nemari yezvibereko mumusika.
Izvi zvinokosha nekuti mari yekubhadhara chikwereti inotarirwa (muchikamu) nehuwandu hwechikwereti pane chikwereti. Sezvo chikwereti chechikwereti chinokwira, mutero wemwedzi wega wega unobuda. Saizvozvowo, mari yekubhadhara inowira sezvibereko zvezvibereko zvinowira
Mutengo wekugadziriswa kwemari yekubhadhara mari inotsanangurwa nemamwe maruva index. Zvizhinji zvakawanda zvinogadziriswa zvikwereti zvekare zvinosungirwa kuHUBOR, Prime rate , Mari yeZvesheni Index, kana imwe nhamba. Nhamba yako yako yekubhadhara mari inoshandiswa inyanzvi, asi inogona kukanganisa kuti mari yako inoshanduka sei. Bvunza wako chikwereti nei vakakupa chigadzirisho chekubhadhara chikwereti chinoenderana nehurukuro inopiwa.
Chigadziriswa Chikamu Mortgage Benefits
Chikonzero chikuru chekufunga nezvekugadziriswa kwehuwandu hwekutengesa mari ndeyekuti iwe ungaguma nemwedzi wepamwedzi kubhadhara. Bhizinesi (kazhinji) rinokupa mubayiro wepasi yepamusoro purogiramu nokuti iwe uri kutora mungozi yekuti chido chekudarika chingasimuka munguva yemberi. Kusiyanisa mamiriro acho ezvinhu nehuwandu hunotengeswa huwandu hwekutengesa , uko bhangi inotora iyo ngozi.
Chimbofunga zvinoitika kana mitengo ichikwira: bhagheni iri kuramba ichikusimudzira iwe mari pane imwe yepamusi-yekutengeswa kana iwe une fixed fixed mortgage . Kune rumwe rutivi, kana uwandu hukawa, iwe unongoramba uchigadzirisa uye unowana mukana wakanaka.
Zvipingamupinyi zveMutengo Wakachinja Mariji
Maiwe, hakuna chekudya chamangwanani. Kunyange iwe uchigona kubatsirwa nebhadharo rakaderera , iwe unenge uchinetseka kuti mitero ichakwira pauri.
Kana izvozvo zvikaitika, kubhadhara kwako kwemwedzi kunogona kuwedzera zvinoshamisa. Iko yaimbova mutero unobhadhara inogona kuva mutoro wakakomba kana iwe uchigadzirisa kutengesa mari. Kubhadhara kunogona kukwirira zvakanyanya zvokuti iwe unofanirwa kuregerera pane chikwereti.
Kugadzirisa Kuchinja Kwemari Mariji
Kuti uchengetedze njodzi, iwe unoda kusarudza rudzi rwakakodzera rwekugadziriswa kwemari yekubhadhara. Nzira yakanakisisa yekugadzirisa njodzi yako ndeyekukweretesa nezvikwereti uye "caps". Caps ndiyo miganhu pamusoro pekuwanda kwekugadziriswa kwemari yekubhadhara mari kunogona kugadzirisa sei.
Iwe unogona kunge uine zvikwata pane chikwereti chechikwereti chinoshandiswa kune chikwereti chako, kana iwe unogona kunge uine kapu pamadhora akawanda ekubhadhara kwako pamwedzi. Pakupedzisira, chikwereti chako chinogona kusanganisira nhamba yakatarwa yemakore inofanirwa kupfuura isati yatanga kugadzirisa - makore mashanu ekutanga, somuenzaniso. Iyi mitemo inobvisa imwe yengozi yekugadziriswa kwemari yekutengesa mari , asi inogonawo kuumba mamwe matambudziko.
Iye zvino wava kuda kukurumidza kuti ARM inotora mari yakawanda sei. Ngatitarise kuti dzimwe nguva haashandisi sei . Cherechedza kuti izwi rokuti ARM Mortgage rinowedzera - "M" ndeyekubhadhara mari - asi tichashandisa izwi iri mukati meji rino kuti tive nekuziva.
ARM mortgage caps inogona kushanda nenzira dzakasiyana-siyana. Kune zvikwata zve periodic uye zvoupenyu zvese. A capodic cap inogadzirisa kuti mukana wako unogona kuchinja sei panguva yakatarwa - segore rimwe chete.
Upenyu hwenguva dzehupenyu hunogadzirisa kuti ARM yako inotengesa mari yakawanda inogona kuchinja sei muupenyu hwose hwechikwereti.
ARM Mortgage Examples
Funga kuti une kapoodic kapu ye1% pagore. Kana zvikwereti zvichikwira 3% mugore iroro, ARM yako mortgage rate ichasimudza 1% chete nekuda kwechikwata. Upenyu hwehupenyu hwose hwakafanana. Kana iwe uine hupenyu hwehupenyu hwose hwe5%, chikwereti chechikwereti pane chikwereti chako hachizogadziri kusvika kumusoro kwe5%.
Ramba uchifunga kuti chikwata chekudarika chinoshandiswa pakuwedzerwa kwechikwata cheperiodic chinogona kutakura kune gore negore. Funga nezvemuenzaniso uri pamusoro apa apo inharaunda yakasimudza 3% asi ARM yako mortgage cap yakachengetedza chikwereti chako chekubhadhara pa 1% yekuwedzera. Kana zvikwereti zvinotapira gore rakatevera, zvinogona kuti ARM yako mortgage rate inomuka imwe 1% zvisinei - nokuti iwe uchiri "chikwereti" mushure mekambani yapfuura.
Kune marudzi akasiyana eArm mortgage flavors anowanika. Somuenzaniso, unogona kuwana zvinotevera:
- 10/1 ARM Mortgage - chiyero chakagadzirirwa kwemakore gumi, zvino chinogadzirisa gore negore (kusvika kune cap, kana pane)
- 7/1 ARM Mortgage - chiyero chakagadzirirwa kwemakore manomwe, zvino chinogadzirisa gore roga roga (kusvika kune cap, kana pane)
- 1 Gore ARM Mortgage - chiyero chakagadzirirwa kwegore rimwe ndokugadzirisa gore negore kusvika kune chero zvigadzirwa
Hasi Mapoka ose Akasika Akaenzana
Cherechedza kuti zvikwata zvingasiyana zvakasiyana nehupenyu hwechikwereti chako. Kugadziridza kwekutanga kunogona kusvika kusvika ku5%, asi zviitiko zvinotevera zvinogona kuiswa pa1%.
Kana iyi ndiyo mhomberero yeAARM yechikwereti chaunenge uchifunga, chigadzirirwa kubhururuka kusango mumari yako yepamwedzi apo yekutanga yekugadzirisa inotenderera.
Nzvimbo dzeCaps
Kunyange zvazvo zvipfeko nemigodhi zvinogona kukudzivirira, zvinogona kukonzera mamwe matambudziko. Semuenzaniso, ARM yako yekubhadhara mari inogona kuva nemuganhu wekukweretesa kwepamusoro kwekubhadhara kwemwedzi kwega-pasinei nekufambisa kwezvibereko. Kana zvikwereti zvikwira zvakanyanya zvekuti iwe unobata chikamu chepamusoro (dhora) pamari yako, iwe ungasave uri kubhadhara pane zvose zvaunofarira iwe mwedzi wakapiwa. Kana izvi zvikaitika, iwe unopinda muhutano husina kunaka-uchifunga kuti chikwereti chako chekukwereta chinowedzera mwedzi umwe neumwe.
Mutengi ave Aware
Chinokosha neArm reggages ndiyo yokuti unoda kuziva kuti uri kuitei . Muteveri wako anofanira kutsanangura zvimwe zvakashata-zviitiko kuitira kuti iwe urege kupofumadzwa nekugadzirisa zvikwereti. Vazhinji vanokwereta vanotarisa izvozvi-kana uye vachifunga kuti vachava munzvimbo yakanakisisa yekuwana kubhadhara kubhadhara mune ramangwana - kana iri makore mashanu kana gumi. Izvi zvinogona kunge zvakadaro, asi zvinhu hazviwanzoshanda nenzira yatakaronga.