Dzidza Pamusoro peRefinancing: Pros uye Cons yeKutora Chikwereti

Chii chinonzi Refinancing?

Kana iwe uine chikwereti chakakosha kana kuti hachina ngozi kuti ugare naye, iwe unogona kazhinji kugadzirisa mukwereti iri nani. Zvinhu zvingave zvakashanduka kubva pawakakwereta mari, uye pangave nenzira dzakasiyana-siyana dzokuvandudza mitemo yemari yako. Pasinei nokuti une chikwereti chemusha, chikwereti chemotokari, kana chimwe chikwereti, refinancing inokubvumira kuchinja chikwereti kunzvimbo iri nani.

Chii chinonzi Refinancing?

Refinancing ndiyo nzira yekugadzirisa chikwereti chiripo nechikwereti chitsva.

Chikwereti chitsva chinobhadhara chikwereti chiripo, kuitira kuti chikwereti hachina kubviswa kana iwe uchigadzirisa. Kunyange zvakadaro, chikwereti chitsva chinofanira kuva nemashoko kana zviri nani zviri nani zvinowedzera mari yako. Zvinhu izvi zvinowirirana nemhando yemari yechikwereti uye wako chikwereti, asi iyo inowanzoita seyiyi:

1. Iwe une chikwereti chiripo chaunoda kuchinatsira mune imwe nzira.
2. Iwe unowana chikwereti nemashoko ekubhadhara zviri nani, uye iwe unoshandisa iyo chikwereti chitsva.
3. Chikwereti chitsva chinobhadhara chikwereti chiripo zvachose.
4. Iwe unobhadhara chikwereti chitsva kusvikira iwe uchibhadhara kana kuti uchigadzirisa.

Chikonzero nei vanhu neBhizinesi vachigadzirisa

Kudzosera nguva inopedza nguva, inogona kuve yakadhura, uye chikwereti chitsva chingasave chisina hunoonekwa hunonakidza huripo hunowanikwa. Saka nei uchifamba nenzira iyi? Pane zvakawanda zvingave zvingabatsira kubatsiridza.

Chengetedza mari: Chikonzero chinowanzogadziriswa ndechokuti uchengetedze mari pane zvinoda mari . Kuti uite kudaro, iwe unowanzodikanwa kugadzirirwa mune chikwereti neine chikwata chekudarika icho chiri pasi kudarika chekuda kwechikwata chako chiripo.

Kunyanya nevenguva refu yemari nezvikwereti uye dhora rakakura, kuderedza chikwereti chechibereko kunogona kukonzera kukosha kwehupenyu hwekuda mari.

Zvikamu zvezasi: Refinancing inogona kutungamirira kumadhura mashoma anodiwa pamwedzi. Chigumisiro ichocho chiri nyore nyore kubuda kwemari kutungamira uye mari yakawanda inowanikwa mubhadharo yemamwe mari yemwedzi.

Paunenge uchigadzirisa, iwe unowanzotangazve yeawa uye unowedzera nguva yaunotora kubhadhara chikwereti. Sezvo uwandu hwako hwakanyanya kunge hudiki kudarika chikwereti chako chokutanga chemari uye iwe une nguva yakawanda yekuripa, kubhadharwa kwemwedzi pamwedzi kunofanira kuderera.

Chirwere chechibereko chepasi (pamwe nezvimwe zvinhu zvose zvinogara zvakafanana) zvinogonawo kutungamirira kuderera kwepamwedzi pamwedzi. Zvisinei, kungotambanudza hupenyu hwechikwereti kunogona kureva kuti iwe uchabhadhara zvimwe zvechikwereti pane kwenguva refu. Kuti uone kuti kufarira mari uye nguva yako yezvikwereti kunobata sei mari pamwedzi unoyerera, ona kuti ungaverenga sei mari yekubhadhara chikwereti .

Svetesa nguva yezvikwereti: Panzvimbo yekuwedzera kubhadharwa, iwe unogonawo kugadzirisa mukwereti kwenguva shoma . Somuenzaniso, iwe unogona kuva nemakore makumi matatu emakwereti emusha, uye chikwereti ichocho chinogona kugadziriswa mukwereti yemakore gumi nemashanu. Kufamba ikoko kungave kwakanakira kana iwe uchida kuita zvikwereti zvakakura kubvisa chikwereti nokukurumidza. Zvechokwadi, iwe unogonawo kungoita mari yepamusoro usingabatsiri . Kuita zvikwereti zvakakura pasina kubatsiridza zvingakubatsira kuti urege kubhadhara mari yekuvhara uye uchengetedze kumwe kuchinja (iwe unogona kubhadhara kupfuura zvishoma, asi haufaniri kuita kana chimwe chinhu chinouya).

Gadzirisa zvikwereti: Kana uine zvikwereti zvakawanda, zvingava zvakanakira kusimbisa zvikwereti izvi kune imwe chikwereti -kunyanya kana iwe ukwanisa kuwana muchero wepasi.

Zvichava nyore kuchengetedza zvikwereti nemari yekubhadhara, asi kusimbisa kunogona kukonzera matambudziko (ona pasi apa).

Shandura rudzi rwako rwechikwereti: Kunyange kana iwe usingaderedza chikwereti chako chekuda kana kubhadhara mwedzi mumwe nomumwe, zvinogona kuva nekunzwisisa kugadzirisa zvimwe zvikonzero. Somuenzaniso, kana iwe uine chikwereti chakasiyana-siyana , ungasarudza kushandura kune chikwereti nemari yakatarwa. Chimwe chikwata chakatarisirwa chinogona kupa chidziviriro kana mutengo uripo iye zvino, asi unotarisirwa kuwedzera .

Bhadhara chikwereti chakakodzera: Mimwe chikwereti, kunyanya mabhodhi chikwereti , chinofanira kubhadharwa pane rimwe zuva. Asi iwe unogona kunge usina mari iyo inowanikwa muhomwe huru yekubhadhara. Muchiitiko ichocho, zvingava zvine musoro kugadzirisa chikwereti-kushandisa shanduko itsva kuti uwane mari yekubhadhara-uye kutora nguva yakawanda yekubhadhara chikwereti.

Somuenzaniso, zvimwe zvikwereti zvebhizimisi zvinokonzerwa mushure memakore mashomanana, asi zvinogona kugadziriswa mune chikwereti kwenguva refu mushure mokunge bhizinesi razvisimbisa uye rakaratidza nhoroondo yekugadzira nguva-nguva.

Kukanganiswa kweRefinancing Mari

Refinancing haisi nguva dzose kufamba kwakachenjera. Kunyange kana iwe ukachengetedza chikwata chakanaka chechibereko kana kuti kuderedza mwedzi kubhadhara, kungave kukanganisa kubvisa zvikwereti zviripo. Ongorora zvinobatsira uye kunyatsochenjerera usati waenda mberi.

Kutengesa mari: Refinancing inogona kudhura. Kunyanya nezvikwereti seimba yemari, iwe uchabhadhara mari yekuvhara iyo inogona kuwedzera kusvika kumazana emadhora. Iwe unoda kuve nechokwadi kuti iwe unopfuura kuputsa kunyange iwe usati wabhadhara iyo mari. Mimwe mhando dzezvikwereti, kusanganisira zvikwereti kubva kune vatengesi vepaIndaneti , zvinogona kusanganisira kushandiswa kwemari uye kubhadhara mari.

Inzvimbo yepamusoro inodhura: Refinancing inogona kudzorera. Paunotambanudza chikwereti chikwereti kwenguva refu, unobhadhara chikwereti chakawanda pane chikwereti chako. Unogona kunakidzwa nekubhadhara mwedzi mumwe nomumwe, asi iyo inobatsira inogona kukanganiswa nemari yakakwirira yehupenyu yekukwereta. Mhanya dzimwe nhamba kuti uone kuti zvakadini zvinokutadzisa iwe kuti uchinatsire. Ita mari yekukwereta nokukurumidza kuti uone kuti mari yako inofambisa inoshandiswa sei nezvikwereti zvakasiyana.

Ropafadzo dzakarasika: Zvimwe zvikwereti zvine zvinhu zvinobatsira izvo zvichabviswa kana iwe uchigadzirisa. Somuenzaniso, hurumende yemari yechikwereti inonyanya kushandiswa kupfuura yega yega yevadzidzi vechikwereti kana iwe ukawira panguva dzakaoma. Kunyanya, zvikwereti zvehurumende zvinogona kukanganwirwa kana basa rako rinosanganisira basa revanhu. Saizvozvowo, kuchengetedza chikwereti chakasimwa chakanaka kungave chakanakisisa kana zvikwereti zvikwereti zvikwira-kunyange zvazvo iwe ungatora nguva shoma ine chikwereti chinowirirana chikwereti.

Izvo Zvisingachinji

Kana iwe uchigadzirisa, zvimwe zvinhu zvinoshanduka, uye zvimwe zvinhu hazviiti.

Chikwereti: Chikwereti chako chechikwereti hachingashanduki. Iwe uchange uchiri nemari yakafanana-kunze kwekuti iwe wakatora pane imwe chikwereti paunenge uchitsvaga. Zvinokwanisika kuita mari-kunze kugadzirisa kana kuvhara mari yekuvhara mari yako muchikwereti chako , asi izvo zvinongowedzera chikwereti chako mutoro.

Dhaka: Kana wakashandisa mari yekukweretesa , icho chikwata chichave chiri pangozi (uye chinodiwa) chechikwereti chitsva. Somuenzaniso, kubhadhara chikwereti chako chemusha kunoreva kuti iwe unogona kurasikirwa neimba iri mukutaridzika kana iwe usingakwanisi kubhadhara. Saizvozvowo, motokari yako inogona kudzorerwa zvakare nemari yakawanda yemari. Kunze kwekuti iwe uchingorarama muchikwereti chako chisina kuchengetedzwa , chibvumirano chiri pangozi. Mune zvimwe zviitiko, iwe unogona chaizvo kuwedzera ngozi kune yako dhaka kana iwe uchigadzirisa. Vamwe vanobvumira kusabhadharwa mari yemari kumusha kuti vashandise zvikwereti mushure mekugadzirisa.

Mitsara: Unotofanira kubhadhara mari, asi kazhinji, chikwereti chako pamwedzi chichachinja kana iwe uchigadzirisa. Iwe une chikwereti chitsva, uye mari yacho inotaridzwa nemari iyo chikwereti chechikwereti, nguva, uye chikwereti chezvibereko. Kuti urege kubatwa nekushamisika, dzidza kuenzanisa chikwereti iwe pachako (zviri nyore nemaharapadhi epaIndaneti asingabhadhari).