Imba yako yekutengesa mari inofanirwa kunge inokupwanya here? Unoda kuderedza mutero wemwedzi wega wega here? Hewa nzira nhatu dzaungaita nadzo.
Refinance Your Mortgage
Unofanira kufungisisa here? Mhinduro yacho inobva pane zvikonzero zviviri: nguva yechikwereti chako, uye musiyano pakati pezvauripo zvino uye zvingave itsva mutsva wekuda.
Imba yekukwereta kumusha, izvo zvinoreva kuti iwe unobhadhara chikwereti chikuru kune kutanga kwekwereti yekwereti uye kunyanya mukuru kumucheto wegore.
Somugumisiro, chikwata chekufarira chinonyanya kukosha kusvika pakutanga kwezwi. Nharaunda inofarira inoita kuti zvishoma zvive nechinopera kumagumo emhedziso apo iwe unotora chikwereti chikuru. Shanduro: iyo itsva inotora chikwereti, iyo yakasimba nharo yaunofunga kuti iwe unofanira kufunga nezvekugadzirisa.
Asi kubatanidza kunotenderera nguva yekudzorera kumashure kwekwereti imwe, uye inobvisawo zvuru zvishomanana mukuvhara mari, saka kusiyana kwepakati pakati pekare uye mitsva yekurudziro-inoti, 0.25 muzana-ingave isina kukodzera. Tambanudza nhamba kuti uone kana kuregererwa kwakakunakira iwe kana chikwata chekufarira chikapararira chiri 0.5 - 1 muzana kana kupfuura.
Drop Your PMI
Uri kubhadhara chega mortgage inshuwarisi kana PMI here? Kana iwe wakatenga imba yako nebhadharo yakaderera iri pasi pe20 muzana, unogona kunge uri kubhadhara PMI. Inowedzera mazana nemazana kune chikwereti chako gore negore.
Pane nhau dzakanaka, kunyange zvakadaro: iwe haugoni kuramba uchibhadhara PMI nokusingaperi.
Kutanga, dzorera zvakakwana zvekutengesa kuti iwe wakawana makumi maviri muzana zvakakwana muimba. (Unogonawo kuwana kuenzana nokukurumidza kana kukosha kweimba yako kuchikwira-asi, zvirokwazvo, hauna kutonga pamusoro pazvo.)
Zvadaro taura nemukwereti wako kuti ubvunze nezvekuita kwekudzikisa PMI yako. Vatengesi havangadonhe PMI kamwe-iwe uchafanira kukumbira.
Vakawanda vanokweretesa vanotumira mumiririri kuti aone kukosha kwemusha musati waita chikwereti chekuti iwe une payo 20 muzana mutengo wakakwana.
Tora Nguva Yakareba
Kutambura pasi pekubhadhara kwemazuva ose kunouya nemakore gumi nemashanu kana makore makumi maviri ekubhadhara mari? Wedzera chikwereti chako mumutambo wekare wemakore makumi matatu nemakumi matatu ekutambisa kubhadhara mwedzi pamwedzi.
Mashoko akaipa: chikwereti chako chaunofarira chichakwira. Mashoko akanaka: iwe unogona kusarudza kuita mari yekuwedzera kune chikwereti sokunge iwe uri kubhadhara chikwereti chemakore gumi nemashanu. Izvi zvinowedzera kubhadhara zvichakubatsira kugutsa chikwereti nokukurumidza, pasina kukubvumira kuti uite mari huru kana, iwe uchiti, kune dambudziko rinokusiya iwe mari-kunyara kwemwedzi kana maviri.
Chinetso Chekuongororwa Kwemitero
Heino nzira isiri iyo yekuderedza mari yako yekubhadhara pamwedzi: kurwisa kuongororwa kwemutero.
Chimwe chikwereti chekubhadhara chikwereti chiri chekubhadhara kwako kukuru, chikwereti chako chekufarira, uye "yako", iyo inobhadhara mwedzi mumwechete iyo uyo anopa chikwereti anoisa pamba yako yemitero uye inshuwarisi yveshuwa.
Kana iwe usina kukwana pamutero wemutero wako, iyo county inogona kuisa paimba yako. Hurumende yehurumende inotanga kuisa pakutanga pane iyo chikwereti chekwereti.
Somugumisiro, uyo anokweretesa anounganidza mari yako yemutero mwedzi woga woga kuitira kuchengetedza kufarira kwayo mumba mako.
Iyi kubhadhara inogara muchechi kusvikira gore rebhadharo yemitero inenge yakakodzera. Imitero yemahotera inobva pahurumende yeruzhinji kuongororwa kwekuwanda kweimba yako nenyika.
Zvizhinji zvezviongorori izvi zvakakwirira kwazvo, kunyanya pakupera kwekuputsika kwemba, izvo zvakaderedza tsika dzepamusha. Dzimwe nguva kuongororwa kunonyanya kukwirira kana nzvimbo yacho yakadzokidzwazve, kusarudzwa kwatsva kwakakonzera kutengesa kwemitengo yeimba kunoderera, uye kuregerera kwekutengeswa hakuratidziki mukuongorora.
Varidzi vepamba vanogona kupikisa muongorori kuburikidza nekuisa chibvumirano neche county kana kukumbira kunzwa neHurumende Bhuku reEqualization. Kana kupesana kuri kubvumirwa, muridzi wemitero inodonha, izvo zvinoreva kuti kubhadhara kwedzimwechete kwekubhadhara mari kunowirawo.
(Cherechedza: "kuongorora" kwakasiyana ne "kuongorora".
Kambani yega yega inoita kuongorora, kazhinji kune chikwereti nekutenga zvinangwa.)