Basics of Mortgage Year 40
Zvizhinji zvegore makumi mana zvegore rekugadzirisa zvikwereti zvakagadziridzwa chireji mari .
Iyo yakavakwa kuitira kuti iwe ubhadhara chikwereti kwemakore makumi mana. Izvi ndezvenguva refu, sezvo zvikwereti zvakawanda zviine makore gumi nemashanu kana makumi matatu emadhorobha. Kunyange kana iwe usinganyatsochengetedza chikwereti chemakore 40 kwemakore makumi mana, chikwereti chakagadzirwa nemakore makumi mana emangwanani mupfungwa.
Sei Uchifanira Kuita Mari Imakore 40?
Vanhu vazhinji vanosarudza makore makumi mana ekubhadhara chikwereti vanoita izvi nokuti vanoda kubhadhara mari shoma pamwedzi. Kana ukashandisa chikwereti chemakore 15 kana makumi matatu, chikwereti chako pamwedzi chichave chakakwirira. Nokutambanudza chikwereti, mwedzi pamwedzi kubhadhara kuderera.
Iwe unogona kubatana ne mortgage calculator kuti uone pachako kuti izvi zvinoshanda sei. Shandisa nguva yakatarwa kubva pamakore gumi nemasere kusvika pamakore makumi matatu nemakumi mana uye tarisa kuti mari yekubhadhara pamwedzi inochinja sei.
Zvinetso neMakore makumi emakore ekuchengetera mari
Kunyange apo kuderera kwemwedzi pamwedzi kunogona kuva kwakanaka, kune nguva dzose tradeoffs. Kushandisa chikwereti chegore gore makumi mana kunoreva kuti iwe uchabhadhara zvakanyanya mukufarira uye iwe uchavaka kuenzana zvishoma nezvishoma. Nokushandisa imwe yevashandisi muhutano hwepamusoro (kana kuti inowanzoita mari yekugadzirisa zvemari) iwe uchaona kuti mari yekuda mari yakareba sei.
Haisi nguva yakareba iyo inowedzera kufarira mari. Makore makumi mana emakore ekubhadhara mari anouyawo nezvikwereti zvepamusoro . Tarisira kubhadhara zvimwe .25% kana kupfuura kupfuura iwe waizotora makore makumi matatu.
Kana uri kutarisa makore makumi maviri emakore, iwe unofanira kuzvibvunza: Ndiri kutenga musha kupfuura zvandinogona here?
Makore makumi matatu ekubhadhara mari
Apo patinotaura pamusoro pezvikwereti, zvakadai semakore makumi matatu emakore ekugadzirisa mari kana makore makumi mana emakore, tinenge tichitaura kuti zvichazotora nguva yakareba sei kubhadhara chikwereti. Nebhadharo rega roga roga roga, iwe unobhadhara chikwereti uye iwe unotsiva chikamu chemari yekukwereta . Negore remakore makumi mana, chikwereti chako chekupedzisira mugore 40 chichabhadhara zvachose chikwereti.
Nzira yekubhadhara chikwereti inonzi 'amortization'.
Paunoshandura chikamu chechikwereti (chikwata chekufarira kana urefu hwenguva yekuripa, somuenzaniso), unoshandura kuti nokukurumidza zvichaita sei. Nokuwedzera nguva yakatarwa, chikwereti chinowedzera zvishoma nezvishoma.
Zvimwe zvinogona kuitika kumakore makumi mashanu emitero yekunamatira
A 40 year mortgage ingakwanisa kuva yakakwana kwauri. Kana iwe uchiita basa rako rechikoro uye ushanda pamwe chete neunokweretesa wako, unogona kusarudza kuti ndiyo ndiyo nzira yakanakisisa . Zvisinei, unofanira kufungisisa dzimwe nzira uye uzvitonge kunze kwekuti uende mberi.
Zvichienderana nezvinangwa zvako uye chikwereti chako, kufarira kungoita chikwereti kungapedza chimwe chinhu chakafanana neyaka makumi mana. Iwe unogona kuva neropafadzo yekuwana chikwereti- chikwereti chete kana chikwereti chemakore 40 zvichienderana nemusika. Ona izvo mabhengi ari kupa asati aita chisarudzo.
Iwe unofanirwawo kufunga nezvekukwereta zvishoma uye kushandisa shorter term term loan .
Kana uri kutambanudza kutenga zvakawanda kupfuura zvaunofanirwa, zviri nyore kupinda mumatambudziko gare gare.