Chii chinonzi Adjustable Rate Mortgage?
Chigadziriswa chekubhadhara chikwereti , chinonzi ARM kwenguva pfupi, chikwereti chine chikwereti chechido chinosanganiswa nehuwandu hwehupfumi. Nhamba yemari inofarira, uye iwe unobhadhara, nguva nenguva inogadziriswa kana kuti pasi sezvo index inoshanduka.
ARM Terminology
Index
Imwe nyanzvi ibhuku rinokurudzira vatengi kuti vashandise kuenzanisa kuyerwa kwenhanho kuchinja. Nhamba dzinowirirana dzinoshandiswa nevanobhadhara dzinosanganisira basa rimwe chete, rechitatu, uye remakore mashanu reChishanu, asi kune mamwe akawanda.
ARM yega yega inobatanidzwa kune imwe nhamba.
Margin
Funga nezvemahombekombe seanoita chikwereti. Icho chikwata chekufarira chinomiririra kukweretesa kwekwereti kwebhizimisi pamwe chete nehuchaita iyo ichaita pachikwereti. Nharaunda yacho inowedzerwa kurudzi rwekutsvaga kuratidza kuti iwe unofarira chidimbu chekuita . Inowanzogara yakafanana mukati mehupenyu hwekwereti yako yemusha .
Nguva Yokugadzirisa
Nguva yekugadzirisa iyo nguva iri pakati pekuda kufarira kushandurwa.
Iwe unogona kuona ARM yakatsanangurwa nemifananidzo yakadai sa1-1, 3-1, uye 5-1. Nhamba yekutanga kune imwe neimwe yakatarwa inoreva nguva yekutanga yemari yako, iyo iyo inotora chikwereti ichi chicharamba yakangofanana neyaiva pazuva rawakasayina mapepa ako emari yako.
Nhamba yechipiri ndiyo nguva yekugadzirisa, kuratidza kuti kakawanda kuchinja kunogona kuitwa sei muzinga mushure mekunge nguva yekutanga yapera. Mienzaniso iri pamusoro apa yose ma ARM uye kugadziriswa kwegore negore - zvinoreva kuchinja kunogona kuitika gore negore.
Kana zvikwereti zvangu zvichikwira, nei ndichifanira kufunga ARM?
Iko yekutanga kufara kweAARM yakaderera pane yea fixed fixed mortgage , apo chikwereti chechibereko chinoramba chiri chakafanana munguva yehupenyu hwechikwereti. Dhigirii shoma rinoreva mari shoma , iyo inogona kukubatsira kuti uwane chikwereti chikuru.
Iwe unoronga kusvika rini imba yako?
Kubvira kwehuwandu kuwedzerwa hausi chinhu chikuru kana uchida kutengesa imba mumakore mashomanana.
Unotarisira kuti mari yako inowedzera here? Kana zvakadaro, mari yakawedzerwa inogona kuvhara mari yakakwirira inokonzerwa nehuwandu hwekuwedzera.
Dzimwe ARM dzinogona kushandurwa kusvika kune yakagadzirirwa-kutora chikwereti . Zvisinei, kutendeuka mari inogona kuva yakakwana zvakakwana kuti ubvise zvose zvawakachengetedza nehuwandu hwezasi.
ARM Indexes
Nepo iwe usingakwanisi kutonga kuti index inoshandisa sei chikwereti, iwe unogona kusarudza chikwereti uye chikwereti kubva pane index iyo inoshandiswa kune chikwereti. Bvunza kune chikwereti kuti nhamba imwe neimwe yakashandiswa yakaita sei munguva yakapfuura. Chinangwa chako ndechokuwana ARM iyo yakabatanidzwa kune nhamba yakaramba isina kunyatsogadzikana kwemakore akawanda.
Pakufananidza vatengesi , funga zvose mbiri uye marginal rate iri kupiwa.
Discounted Rates uye Buydowns
Paunenge uchitenga imba unogona kusangana nevatengesi vanopa kubhadhara kutenga-pasi mari iyo inobvumira kuti chikwereti kukupei yekutanga yepamutengo yakaderera pane chiyero chekanyorwa nemuganhu. Vatsva vemuzinda mitsva dzimwe nguva vanopa rudzi rwekutenga purogiramu kuti vabatsire kuunza vanhu mumisha yavo.
Iko-kutengesa purogiramu ichazoguma uye zvikwereti zvako zvinogona kuwedzera zvakanyanya kana chirongwa cheA ARM chichigadziriswa zvichikwira panguva imwechete kubviswa kunopedza nguva.
Ramba uchiyeuka kuti vatengesi dzimwe nguva vanokwidza mutengo weimba nemari yavanobhadhara kuti vatenge-kutsika chikwereti chako. Iko mari yakawedzerwa inogona kunge inopera nguva yakawanda chero mari ipi zvayo kubva pakudhura kwekutanga.
Nhamba yeChitoro Caps
Chengetedza zvikwata zvinogadzirisa kuti unofarira mari yakawanda sei. Kune mhando mbiri dzechido chekuwedzera mahesera anosangana nemaArm.
- Periodic caps inopedza chikamu chako chido chako chinogona kuwedzera kubva pane imwe nguva yekugadzirisa kusvika kune inotevera. Haasi ma ARM ose ane nguva dzinosvika mavharesi.
- Zvose zvinowedzera kushandiswa kwechikwereti chinogona kukura kupfuura hupenyu hwechikwereti. Kuvhara kwepasi pose kwakadzingwa nemutemo kubva muna 1987.
Payment Caps
Chibhadharo chekubhadhara chinogadzirisa kuti mari yako yepamwedzi inogona kuwedzerwa sei pakushandurwa kwega kwega. ARM nebhasikosi yekubhadhara kazhinji haina nguva yekukoshesa mabhesi.
Carryovers
Kana chikwata chekutora chikwereti chakatora chikwereti chako pasi pakugadziriswa kunyange zvazvo nhamba yacho yakakwira, kuwanda kwekuwedzera kunogona kutakurwa kusvika pane imwe nguva yekugadzirisa nguva.
Chenjerera Kuipa KwemaAmori
Kuita mari kunowanikwa apo zvikwereti zvakakura zvakakwana kubhadhara chikwereti chinofanira kuwedzera pamwe nechikamu chemukuru.
Kuchengetedza kunokonzera kunowanikwa apo kubhadhara hakukwanisi mari yekufarira. Mari yakasabhadharwa inowanikwa zvakare kune chikwereti, apo inowedzera kunyange chikwereti chikwereti . Kana izvi zvichienderera mberi, iwe unogona kuita zvikwereti zvakawanda, asi uchiri nemari yakawanda kupfuura iwe yawakaita pakutanga kwechikwereti.
Kuchengetedza kunokanganisa kunowanzoitika apo chikwereti chine chikwereti chekubhadhara chinochengetedza mwedzi pamwedzi kubhadhara kubva kuvhara mari yekufarira.
Vatengesi vanodikanwa kukupa ruzivo rwakanyorwa kuti ikubatsire kuenzanisa uye kusarudza chikwereti. Usanonoka kubvunza mibvunzo yakawanda sezvinodiwa kuti ikubatsire kunzwisisa nhengo dzose dzeA ARM nedzimwe zvikwereti zvemusha zvinopiwa kwauri.
Tora Chokwadi Pamusoro Pokugadziriswa Kwemari Mariji
Ndezvipi njodzi dzekugadziriswa kwemari yekubhadhara mari? Kuderedza njodzi dzako ngatitarise nyaya dzinotevera usati wagamuchira ARM.
Mari Yakabhadharwa - Kutengesa
Vatengesi dzimwe nguva vanobhadhara mari inobvumira kuti chikwereti chikupei chiyero chekutanga chinotapisa kupfuura chiyero chetsamba uye mumuganhu. Izvo-kutenga-pasi pari pakupedzisira ichapera.
- The Double Whammy
Mari yako inogona kukura zvakanyanya kana chiyero chako chichigadziridzwa zvichikwira panguva imwechete kubviswa kwapera. - Iko Mari Yakabhadharwa Inokosha Here?
Vatengesi vanogona kukwidza mutengo weimba nemari yavanotenga kuti vatenge-kutsika chikwereti chako. Iko mari yakawedzerwa inogona kunge inopera nguva yakawanda chero mari ipi zvayo kubva pakudhura kwekutanga.
Nhamba yeChitoro Caps
Chengetedza zvikwata zvinogadzirisa kuti unofarira mari yakawanda sei. Kune mhando mbiri dzechido chekuwedzera mahesera anosangana nemaArm.
- Periodic caps inopedza chikamu chako chido chako chinogona kuwedzera kubva pane imwe nguva yekugadzirisa kusvika kune inotevera. Haasi ma ARM ose ane nguva dzinosvika mavharesi.
- Zvose zvinowedzera kushandiswa kwechikwereti chinogona kukura kupfuura hupenyu hwechikwereti. Kuvhara kwepasi pose kwakadzingwa nemutemo kubva muna 1987.
Payment Caps
Chibhadharo chekubhadhara chinogadzirisa kuti mari yako yepamwedzi inogona kuwedzerwa sei pakushandurwa kwega kwega. ARM nebhasikosi yekubhadhara kazhinji haina nguva yekukoshesa mabhesi.
Carryovers
Kana chikwata chekutora chikwereti chave chichiisa chido chako pasi kunyange zvazvo nhamba yacho yakakwira, kuwanda kwekuwedzera kunogona kutakurwa kusvika kune imwe nguva yekugadzirisa nguva.
Negative Amortization
Kuita mari kunowanikwa apo zvikwereti zvakakura zvakakwana kubhadhara chikwereti chaicho kunze kwechikamu chemutemo.
- Kuchengetedza kunokonzera kunowanikwa apo kubhadhara hakukwanisi mari yekufarira. Mari yakasabhadharwa inowanikwa zvakare kune chikwereti, apo inowedzera kunyange chikwereti chikwereti. Kana izvi zvichienderera mberi iwe unogona kuita zvikwereti zvakawanda, asi uchiri nemari yakawanda kupfuura iwe yawakaita pakutanga kwechikwereti.
- Kuchengetedza kunokanganisa kunowanzoitika apo chikwereti chine chikwereti chekubhadhara chinochengetedza mwedzi pamwedzi kubhadhara kubva kuvhara mari yekufarira.
- Kuita mari isina kunaka hakune zvakawanda zvingakanganisa kana zvivako zvichinyatsojeka, saka mari shoma inogona kunge yakakosha kune iwe kudarika kubhadhara mutemo.
Vatengesi vanodikanwa kukupa ruzivo rwakanyorwa kuti ikubatsire kuenzanisa uye kusarudza chikwereti. Usanonoka kubvunza mibvunzo yakawanda sezvinodiwa kuti ikubatsire kunzwisisa zvose zvechikwereti chako