Kana kukwira kwemari hakusi dambudziko kwauri, zvichida zviri nani (mune zvepfungwa dzemari) mumamiriro ezvinhu akawanda kunonoka kana kungokubhadhara chikwereti chako.
Kugadzirisa vs. Kukurukura
Ndechipi musiyano pakati pekugadzirisa nekugadzirisa chikwereti chako chemusha? Inotsanangurwa nokukurumidza inogona kubatsira.
Kugadzirisa kunowanzoitika kana iwe uchibhadhara mari yakawanda yemari yako yekwereti (dzimwe nguva neholo guru-sum, uye dzimwe nguva nekubhadhara nguva dzose) uye iwe unoshandura chikwereti chako chiripo . Mutero wako achadzokazve kuverenga mari yako yaunotora pamwedzi kubva kune imwe itsva, yakaderera chikwereti chikwereti. Nemhaka yokuti chikwereti chako chemari chikwereti chiduku, iwe uchabhadhara zvishoma pane zvaunofarira pamusoro pehupenyu husara hwechikwereti chako. Iwe uchanakidzwawo nekuwedzera kwemari inoyerera semugumisiro wekubhadhara kwako kwepasi pamwedzi.
Refinancing inowanikwa apo iwe unowana chikwereti chitsva uye uchitishandisa kuti ubhadhara chikwereti chako chiripo. Kuti zvive zvakajeka, wako chikwereti chitsva chinopa mubhadharo zvakananga kune wako wakwegura chikwereti, uye iwe unotanga kubhadhara kune yako chikwereti chitsva. Chikwereti chako chichava (tariro) kuva chiduku kudarika chawakanga uchikweretwa pakutanga, saka iwe unofanirwa kuva nemari yakaderera pamwedzi.
Mukuwedzera, zvichida zvinongonzwisisika kugadziridza kana iwe uchiwana chidimbu chechibereko chepasi, saka unogona kupedza zvishoma pane kufarira (asi unogona kugumisa kushandisa mari yakawanda ).
Pros uye Cons yekugadzirisa
Kubudirira kukuru kwekugadzirisa kuri nyore. Mari yako yako inogona kunge ine purogiramu inokubvumira kuti udzoke zvisinganzwisisiki.
Vanozobhadhara mari shoma, iyo iwe unogona kuve nyore kukwanisa kuvhara nemari yaunowana, uye ichava nemitemo (yakadai sekuwanda kwaunoda kubhadhara iwe usati wapedza kugadzirisa).
Kuti ugadzirise chikwereti chako, haufaniri kuwana zvakafanana nenzira yaunoda kuti uwane chikwereti chitsva ( chinogona kuva basa rakawanda , uye zvingave zvisingaitiki mumamiriro ako ezvinhu). Iwe haufaniri kupa uchapupu hwekuwana mari, nyora zvinhu zvako (uye kwavakabva), kana kuti uone kuti zvikwereti zvako zvikwereti zviri muchikwata chepamusoro. Iwe unotova nemari yako - uri kungokumbira kuti uverengere zvakare purogiramu yekuita basa.
Kana iwe uchikwereta chikwereti, chikwereti chechibereko hachichinje (asi chinogona kuchinja kana iwe uchigadzirisa). Pane zvinhu zvakasiyana-siyana zvinoshandiswa kuverenga kubhadhara kwako kwemwedzi: nhamba yebhadharo inosara, chikwereti chikwereti, uye chibereko chekufarira. Paunodzokorora, wako chikwereti chinongoshandura chete chikwereti chako.
Cherechedza kuti kugadzirisa chikwereti hachisi chakafanana nekugadzirisa chikwereti. Kana iwe uri pasi pemvura uye unotarisana nematambudziko emari, pangave nedzimwe nzira dzekushandura mazwi ekukweretesa kwako kana kugadzirisa.
Pros uye Cons yeRefinancing
Zvimwe zvikonzero zvikuru zvekugadzirisa zvingave ndezvekubhadhara mari yepasi pamwedzi, kugadzirisa chikwereti chako, uye zvichida kuwana muchero wekuderera wepamusoro (izvo zvingave zvakaoma, zvichienderana nezvamakatora chikwereti chako chepakutanga).
Kana ukawana chikwereti chitsva, iwe uchasarudza kusarudza kuti chikwereti chakagadzirwa kwenguva yakareba sei: chichava gore rekutora chikwereti chemakore makumi matatu nemakumi matatu, gore rechi15 rakatarwa mari yechikwereti , kana kugadziriswa kwemari yekubhadhara mari (ARM)?
Zvisinei, chikwereti chitsva chinogona kupedzisira chapa mari yakawanda kupfuura yekugadzirisa. Kana uchitanga, iwe uchafanira kubhadhara mari yekuvhara (zvakadai sekuongorora mari, mari yekutanga, nezvimwewo). Asi mari chaiyo ingangodaro inowedzera kufarira iwe unobhadhara. Kana iwe wakatambanudza chikwereti chako kwenguva yakareba - nokuwana imwe chikwereti chemakore makumi matatu nemakumi matatu shure kwekunge uchibhadhara pasi yako chikwereti chiripo kune makore gumi apfuura - iwe unotanga kubva pakutanga. Nezvikwereti zvakawanda, unobhadhara chikwereti chakawanda mumakore ekutanga, uye iwe unobhadhara chikamu chikuru chemukuru mumakore apfuura. Chikwereti chinogara kwenguva refu chichakudzosera mumakore iwayo ekutanga.
Kuti uone muenzaniso wekuti iwe uchabhadhara sei mukuru uye kufarira, shandisa dzimwe nhamba nemutengo wemari yekuunganidza .
Usaita Izvo
Kana iwe uchida chaizvo kuchengetedza mari, chisarudzo chakanaka chingave chiri kupfuura pakugadzirisa nekugadzirisa. Pane kudaro, tora mari yako yekubhadhara mari (ingava mucheka-sum kana nguva inopfuura), uye ramba uchiita kuti zvikwereti zvakada kudiwa zvakare.
Kana iwe uchingodzokorora, iwe uchava nekwanisi yekuita mari shoma, iyo inogona kunzwa yakanaka, asi iwe hauzobhadhari chikwereti chako iwe nokukurumidza. Kana iwe uchigadzirisa, iwe unogona kubhadhara chikwereti chako gare gare kupfuura iwe waienda, uye izvo chete zvinodzivisa zvisingadzivisiki. Asi kana iwe ukabhadhara uye uchiramba uchitenga chikwereti chepakutanga chemwedzi, iwe uchachengetedza mari kune chikwereti uye ubhadhara chikwereti chako pakutanga.