Iyo Inoshanda Sei
Mutero we mwedzi woga woga wakaenzana nechikwereti chinowanikwa panguva iyo mukuru, pamwe necheji chikamu cheji guru chairo.
Sezvo chikamu chemukuru wechikwereti chiribhadharwa pamwedzi mumwe nomumwe, izvo zvinoita kuti chikwereti chekufarira ichocho chinosara chiri chiduku zvakare. Somugumisiro, zvakawanda zvekubhadhara kwako kwemwedzi pamwedzi zvinosvika kumusoro mukuru mwedzi woga woga. Saka, pakutanga kwechikwereti, zvizhinji zvekubhadhara zvinowedzera kune chido apo vazhinji vavo vanoenda kune mukuru kumagumo emutero.
Fixed Mortgage Rates
Nharaunda inofarira inowanzova yakakwirira shoma kupfuura iyo yemakore makumi matatu ekuchengetwa kweMari yeHurumende panguva iyo chikwereti chinobudiswa. Izvi ndezvokuti vatengi vari kutsvaga chimwe chinhu chinopa zvakawanda zvekudzoka pasina kuwedzera dambudziko rakawanda. Izvozvo ndizvo zvinoreva mari inoshandiswa neChristian Treasury .
Kubatsirwa
Izvo zvinoshandiswa nehuwandu hwehuwandu hwekutengesa mari ndeyokuti kubhadhara kwakafanana pamwedzi mumwe nomumwe. Izvi zvinoita kuti zvive nyore kuronga bhajeti yako. Iwe haufaniri kunetseka pamusoro pemari yepamusoro yepamusoro sezvamunoita nechinogadziriswa-kutora chikwereti.
Iwe unobhadhara chikamu chemukuru wega mwedzi woga woga. Izvo zvinowedzera kuwedzera imba yako yakakwana . Izvo hazvina kufanana nechikwereti chekufarira-chete.
Iwe unogona kubhadhara mari yakawanda kuti ubhadhe wako mukuru pakutanga. Zvikwereti zvakanyanya zvakasarudzwa zvinotora chikwereti hazvikwanisi kubhadhara zvikwereti . Ikowo chikwereti chikuru kana iwe uchifunga kuti chido chekuda chikakwira pamusoro pemakore mashomanana anotevera.
Ndiko nokuti chiyero chako chakavharwa-mukati.
Kukanganisika
Izvo zvisingabatsiri ndezvokuti chikwereti chechikwereti chakakwirira pane chinenge chichigadziriswa-chikwata chekukweretesa kana chikwereti chekuda-chega . Izvo zvinoita kuti zvive zvakadhura kana chido chezvibereko chichiri chakafanana kana kuti chichiwira mune ramangwana.
Imwe nzira isina kukodzera ndeyokuti iwe unobhadhara mutungamiriri wacho zvishoma nezvishoma kudarika kune chikwereti chinogadziriswa. Izvi ndezvokuti zvikwereti pamusoro pemakore mashomanana ekutanga zvinowanzoenda kunharaunda. Nokudaro, izvi hazvina kunaka kana uchida kutengesa imba yako mukati memakore mashanu kusvika ku10.
Zvakaoma kukodzera kugadzirisa zvikwereti zvemari. Iwe uchabhadhara mari yekuvhara yakakwirira kune chikwereti chairo. Zvose izvi ndezvokuti mabhanga angarasikirwa nemari kana mari inokwira. Iko ingozi huru yekuti vatore chikwereti chemakore makumi matatu. Vanoda kubhadharwa kuti vavhare ngozi iyo. Kana ukaronga kufamba mumakore mashanu kana kudarika, tora chikwereti chinogadziriswa.
Chenjerera
Vamwe vanotora chikwereti vanotengesa vachakutengesa iwe unonzi-fixed-rate mortgage apo chiyero chinongogadzirirwa kwemakore mashanu ekutanga. Iva nechokwadi chokuti chiyero chavanofarira ivo vanotsanangura iwe chakanakira hupenyu hwose hwechikwereti.
Imba yekutora mari isiri iyo iyo mari yekuvhara yakaiswa mune chikwereti pachayo. Iwe unofambisa kubhadhara zvakawanda pamusoro pehupenyu hwechikwereti nokuti iwe uri kubhadhara chikwereti kune avo vanovhara mari.
Kubhadhara kwako kwemwedzi kunogona kusimuka kana zvikwereti zvemaimba, imba yemishonga inshuwarheni, kana kuti mortgage inshuwarisi inowedzera.
Mhando dzeFixed-Rate Mortgages
- A 5-year fixed fixed mortgage inochengetedza chikamu chakafanana chemazana emakore ekutanga. Iko zvino inoshanduka kuva kugadziriswa-kutora chikwereti. Izvo zvakanaka ndeyokuti chikamu chekutanga chikwata chiri pasi kudarika makore makumi matatu ekubhadhara mari. Kuvhiringidza ndiko kunoitika shure kwemakore mashanu. Nharaunda yako yekutora inogona kuwedzera nokukurumidza, zvichienderana neiyo mitero yemazuva ano. Saka, iyi chikwereti chakanaka kana iwe uine chokwadi chokuti iwe uchazotengesa mukati memakore mashanu.
- A 15-year fixed rate mortgage inonakidza zvikuru nokuti ine zvishoma zvayo inowanikwa. Inokubvumirawo kuti iwe ubhadhara chikamu chinokurumidza kupfuura kune chikwereti chemakore makumi matatu. Izvozvo zvinoreva kuti iwe unovaka kuenzana nokukurumidza. Kune rumwe rutivi, makore gumi nemakore ekudhara mari ane mari yakakwirira. Nokuda kwechikonzero ichocho, kune ngozi yakanyanya kudarika yekudarika kana mari yako inodonha.
- A 30-year mortgage ndiyo inotengesa mari yakawanda. Kunyange zvazvo ine mari yepamusoro yemari, mutero wemwedzi wega wega wakaderera nokuti kubhadhara chikwereti kwakapararira kwemakore anopfuura makumi matatu. Iyo ndiyo chikwereti chakanaka kana uchida kugara mumba mako kwenguva refu. Zvakakoshawo kumhuri dzine mari shoma nokuti inovabvumira kutenga imwe imba nebhadharo yemwedzi yakaderera.
Mutengo Wemaitiro Maitiro
Nharaunda yekutora mamiriro ekunze yakange ichingopera kubva muna 1985. Izvozvo ndezvokuti kuwedzera kwekutengesa kwave kuri kutongwa kubvira ipapo, nekuda kwekuwedzera kwemari yemitemo ye US Federal Reserve . Izvozvo zvakaita kuti pave nemari yakaderera paZvesimari Zvimari . Somugumisiro, zvikwereti zvekudarika pamakore makumi matatu emitengo yakatarwa zvikwereti zviri pasi pe7 kubva muzana kubva muna March 2002.