Verenga Izvi Usati Wawana Kugadzirisa Mutengo Mortgage
Mutengi wega wega anosarudza matanho mangani ayo achawedzera kune chikwata chenhamba. Izvo zvinowanzoita mapeji akawanda. Semuenzaniso, kana Libor chiyero chiri 0.5 kubva muzana, muyero weAAR unogona kuva kupi kubva pa2,5 kubva pamapfumbamwe kusvika ku3,5 muzana.
Vazhinji vanokweretesa vacharamba vaine chiyero pamatengo akadudzirwa kweimwe nguva. Ipapo mukana unomuka nguva dzose. Izvi zvinozivikanwa sekugadzirisa zvakare. Izvo zvinoenderana nemitemo yemutengo. Inogona kuitika mwedzi wega wega, wega wega, gore negore, makore matatu oga kana mashanu, zvichienderana nemhando yemari yaunowana. Iwe unofanira kuverenga zvinyorwa zvinyorwa zvakanyatsotarisa kuti uone kana iwe ukakwanisa kubhadhara chikwata chapamusoro chechibereko.
Mushure mokugadziridza zvakare, mutengo uchawedzera sezvo Libor inowedzera. Izvozvo zvinoreva kuti mari yako yokubhadhara inogona kuwedzera nokukurumidza mushure memakore mashanu ekutanga. Kana Libur ikasimuka kusvika ku2,5 muzana panguva iyo, ipapo chibereko chako chitsva chichikwira kusvika ku4,5 muzana kana 5.0 muzana. Nhoroondo yeRibor inoratidzika inoratidza kuti Libor yakawedzera muna 2006 uye muna 2007. Yakaita kuti vanhu vakawanda vatore chikwereti chekutora chikwereti chinotungamirira ku subprime mortgage crisis .
Izvozvo zvinoreva kuti iwe unofanira kutarisa kuchinja kune huwandu hwemari inotengeswa uye nguva shomanana yeHurumende yekushambadzira mari.
Ndizvo nokuti Libor inowanzochinja mu lockstep nayo. Pfuma inobereka inokura apo kuda kwezvisungo zvinowira.
Pros
Kubudirira kwekugadziriswa kwemari yekutengesa mari ndeyekuti chiyero chakaderera kudarika chekugadziriswa kwemari . Izvo zvikwereti zvinosungirirwa kumakore gumi emakore . Izvozvo zvinoreva kuti iwe unogona kutenga imba yakakura zvishoma.
Iko kunonyanya kukwezva kune vashandi vokutanga vepamba uye vamwe vane mibare inonzwisisika.
Cons
Iko kusakosha kukuru ndeyokuti kubhadhara kwako kwemwedzi kwega kwega kunogona kuwedzera kana zvikwereti zvinowedzera. Vanhu vazhinji vanoshamiswa apo inharaunda inofarira inotengesa, kunyange iri mukonesi. Kana mari yako isingakwire, iwe unogona kunge usisakwanisi kutenga imba yako, uye unogona kurasikirwa nayo.
Chirongwa chinogadziriswa chechigodhi chakawedzerwa muna 2004. Ndiyo apo Federal Reserve yakatanga kusimudza mari yakaderedzwa mari . Kudiwa kwezvikwereti zvakakosha kwakawira sehuwandu hwezvikwereti zvakasimuka. Mabhanki akasika kugadziridzwa kwehuwandu hwemari yekuita mari yekuita mwedzi pamwedzi pasi.
Aina
Muna 2004, mabhengi akagadzira zvigadzirwa nemhando mitsva yezvikwereti kuti anyengedze vagari vepamba. Heano mimwe mienzaniso yevakakurumbira.
Chikwereti-chikwereti chete . Vane zviyero zvakaderera. Kubhadhara kwako kwedzimwe chete kunongotarisa kune kufarira, uye kwete imwe yemitemo, kwemakore matatu kusvika mashanu. Mushure meizvozvo, unotanga kuita zvikwereti zvakakwirira kuti uvhare mutemo. Kana, iwe ungangodaro unofanirwa kuita bholoji guru rebhadharo.
Kana iwe uchiziva nezvekushanda kwavo, zvikwereti izvi zvinogona kubatsira zvikuru. Kana iwe uchikwanise kuibhadhara, humwe hutori humwe huripo hunoenda huri kutungamira.
Kana iwe uchirangwa nekuita izvi, iwe unogona kubhadhara zvakanyanya zvinopesana neshoko. Nenzira iyo iwe uchawana kuenzana kwepamusoro mumusha kupfuura nekunowanikwa. Izvi zvikwereti zvine ngozi kana iwe usina kugadzirira kugadziriswa kana kubhadharo kubhodhi. Vanewo matambudziko ose akafanana echinangwa chekubhadhara mari.
Mhinduro ARMs. Vanobvumira vanokwereta kusarudza mari yakawanda yekubhadhara mwedzi mumwe nomumwe. Vanotanga ne "teaser" yemari yeanenge imwe kusvika maviri kubva muzana. Izvi zvinogona kudzokera kune yakakwirira, kunyange mushure mekubhadhara kwekutanga. Yakawanda (80 muzana) sarudzo dzeA ARM vakakwereta dzinongotenga chete mari shoma mwedzi mumwe nomumwe. Vamwe vose vanowedzera kuwedzera kwechikwereti chekutengesa, sezvinongoita zvikwereti zvisingabatsiri.
Vanokwereta vanofunga kuti mari inokonzerwa kwemakore mashanu. Kana chikwereti chisina kubhadharwa chikwereti chichikura kusvika 110 muzana kana 125 muzana yehutengo hwepakutanga, chikwereti chinowanzogadzirisa.
Inogona kuguma nekubhadhara iyo katatu chiyero chepakutanga. Mabiko emakororo anodzivirira vanokwereta kuti vasafambidzana. Somugumisiro, vakawanda vanokwereta vanongowira pasi muchikwereti. Kana imba yacho isingakoshi kudarika chikwereti, kana uyo anenge akwereta achirasikirwa nebasa, anosvika mberi .
Izvo zvikwereti zvakanga zvakakura mutyairi shure kwe subprime mortgage crisis . Kunyange zvazvo 2 muzana chete yezvikwereti zvose zvemusha chaiva sarudzo dzeArms, dzaifanirwa $ 300 mabhiriyoni. Vakawanda vavo havana kukwana. Inenge 60 muzana yaiva muCalifornia, iyo mitengo yemba yakawira 30-40 muzana. Izvi hazvina kukodzera kuti vashandise kushandisa mari yekugadzirisa chikwereti chekubhadhara mari sezvaiita MakingHomesAffordable . (Chinyorwa: " Zvikwereti Zvinotyisa ," Chikwata Chekuita Kukweretesa, Nhasi 5, 2007. "Kufa Kwemahombekombe," Bhizimusi, September 11, 2006.)