Paunokwereta mari, iwe unobhadhara chikwereti nokubhadhara chikwereti. Panogona kuva nemamwe mashoma emari, asi kufarira kunowanzova mutyairi mukuru wekuti mari yakabhadhara chikwereti ndei: mazinga akare anoreva kurema mari. Ndosaka zvakakosha kuti unzwisise kuti danho rako rinoshanda sei, uye kana chikwata chako chinogona kuchinja.
Ndeapi Fixed Interest Rates?
Mari inogona kuuya nehuwandu hwekuda mari inoshandiswa munguva yakareba, kana mitengo yakatarwa. Nenguva yakatarwa, iwe uchabhadhara zvakafanana (kusashandura) chiyero chechido pamusoro pehupenyu hwechikwereti chako. Izvi zvinokosha nekuti chikwata chekufarira chinokanganisa kuti mari yako yekubhadhara pamwedzi ichave yakadii: kana mukana uwedzerwa, zvinowanikwa pamwedzi iwe wose zvinogonawo kuwedzera - uye iwe ungasakwanise kuwana mari yakakwirira iyo.
Zvakare, chikwata chekudarika chinowedzera chichasimudzawo mutengo wezvose zvawakatenga nekutora mari. Iwe uchapedza zvakawanda pane zvaunofarira, asi iwe haungatori zvimwe zvezvose zvawakatenga. Kuti uone muenzaniso wekuti nhamba idzi dzinoshanduka sei nepamusoro, wedha imwe nhamba muchikwereti chekubhadhara chikwata: iwe uchacherechedza kuti chikwata chapamusoro chinotungamirira kumari yepamusoro yemari yemari (pamwe nebhadharo yakakwirira ).
Nhamba dzechido dzinoshanduka nguva dzose sezvo hupfumi huri kukura uye zvibvumirano.
Nenguva yakatarwa, chikwereti chako hachidziviriri kune izvo zvinoshanduka.
Mari Yakachengeteka, paNhanho
Fixed rate mvumo inowanzochengetedza kupfuura zvikwereti zvinoshandiswa nemitengo: unoziva chii chaunotarisira, uye iwe unogona kuronga ramangwana. Kune nhoroondo dzakawandisa dzevakwereta avo vakatambura "kushamiswa kwekubhadhara" apo maitirwo emitengo yavo yakasiyana yemari yakakwira.
Asi iwe unofanirwa kubhadhara nekuda kwekuchengetedzwa - chokwadi hachiuye pasina. Fixed rate loan inowanzotanga nehuwandu hwemari yekuda kudarika kushandiswa kwemari yemari. Semuenzaniso, muyero pane imwe yakasarudzwa inotora chikwereti inogona kuva imwechete kana maviri muzana yakakwirira kudarika purogiramu yekugadziriswa kwemari yekubhadhara mari (ARM) . Kusiyana ikoko kunogona kuita shanduko inoshamisa mukubhadhara kwako kwedzimwe mwedzi - uye inowanzoedza kuendesa kubhadhara yakaderera (ine chikwereti chinowirirana chikwereti).
Apo Fixed Rates inokundikana
Kuwa kwematengo: dzimwe nguva chikwereti chakasimwa chikwereti chisarudzo chisina kunaka - asi iwe hauzombozvizivi nguva mberi. Kana zvikwereti zvinowira mushure mokunge iwe uwane chikwereti chako (uye ugare wakaderera kwenguva yakareba), chikwereti chinowirirana chikwata chingangodaro chaive chiri nani kutengesa. Zvinosuruvarisa, nguva yekuda kufarira zviyero zvakaoma zvikuru. Izvozvo zvakati, kana zvikwereti zvinowanikwa mumatongerwo enyika uye zvinotarisirwa kuwira - uye uri kuwana chikwereti chakareba kwenguva yakareba semakore makumi matatu ekubhadhara mari - zvingava zvine musoro kuti zvisati zvatarise chikwereti chinowirirana.
Refinancing: kana zvikwereti zvikawa uye une chikwereti chakatarwa chemari, haisi kuguma kwenyika. Iwe unogona nguva dzose kuedza kugadzirisa kusvika mune mari isingadhuri, yakaderera . Zvisinei, iwe uchada kukwanisa kuwana chikwereti chitsva, uye mamiriro ako (chikwereti chikoro, chikwereti-kune-kuwana mari, zvimwe) angave akachinja.
Iwe uchazofanirawo kubhadhara mari yekuvhara muzviitiko zvizhinji, uye iyo mari inoderedza zvingabatsiro zvaunowana kubva pakugadzirisa .
Nguva pfupi yekuzvipira: mizinga yakagadzika inogona (dzimwe nguva) isinganyanyi kukosha kana iwe ukakwereta kwenguva shoma. Nokuti ivo vanobva vauya nezvikwata zvakakwirira kudarika kushandiswa kwemitengo yezvikwereti, zvakakosha kuti uongorore kuti iwe uchachengetedza chikwereti kwenguva yakareba sei. Zvimwe zvinowanikwa zvinowirirana nezvikwereti zvinowedzera kuenzana kwemakore mashanu. Kana iwe unotarisira kubvisa chikwereti zvisati zvaitika, zvinganzwisisika kuenda kune yakaderera (yakasiyana) yemari yemari. Zvinosuruvarisa, hupenyu hahuwanzoshandisi nzira yawakaronga, saka iwe unoda chimwe chechokwadi uye nharo yakanaka yeyi nzira yekubhadhara.
Aina dze Fixed Rate Loans
Iwe unogona sei kuwana mari yakatarwa yemari? Izvi zvikwereti zviri nyore kuwana. Chiyero chemazana makumi matatu-gore chakatarwa chekubhadhara chikwereti ndiyo tsika inowanzowanzoshandisa kutenga imba.
Kana ukaenda kune makore gumi nemashanu, iwe unogona kuwana mukana uri kukwikwidzana nechinoshandiswa chekubhadhara chikwereti. Chikwereti-chega chikwereti chinogonawo kuuya nemitengo yakatarwa (asi inotyisa kushandisa ).
Kuzvikweretesa kwemari uye yehurumende yemari yechikwereti inowanzogadziriswa mari yekubhadhara mari: iwe unowana mubhadharo wemwedzi wega wega usingashanduki, uye iwe unobhadhara chikwereti chechikwereti munguva .
Zvizhinji zvezvikwereti zvinokonzerwawo nezvikwereti zvakasarudzwa, asi makadhi emakwereti ndeyezvakakosha. Ne makadhi emakadhi uye mamwe mitsara yechikwereti , chiyero chako chinogona kuchinja (dzimwe nguva kwete iwe).