Lower Mortgage Rates Kunogona Kuita Inonakidza kuRefiness, asi Kune Iko Mari
Chirongwa Chinoshandiswa Mariji
Kana iwe uine shanduko yekutengesa chikwereti uye uwandu hwako hwakagadziridzwa kune imwe yepamusoro kupfuura yekutanga yakaderera mutengo, zvinotofanira kutarisa mukunatsiridza. Nhau dzakanaka ndeyokuti kuchinja kushandiswa kwezvikwereti zvinogona kuchinja huwandu hwavo hwekudarika pamusoro pemutengo wechikwereti, uye kana mitengo ichidzika, iyo inogona kuva yakanaka. Asi chinetso chaicho ndechokuti kunyange zvakadaro, iwe uchiri kungoona kuti iwe uri kubhadhara kupfuura iwe waizova ne-fixed-rate mortgage.
Fixed-Rate Mortgages
Mhemberero yekare kana iri kuuya kumabhadharo emusha, yakagadzirirwa-kutora mari inogona kuva imwe yenzira dzakanakisisa dzokubhadhara kutenga imba. Izvi ndechokuti chikwata chekufarira hachichinje pane nguva, izvo zvinoreva kuti kubhadhara kwako kunoramba kuri kwakafanana. Iyi kubhadhara kubhadhara kwakanaka, asi pane dzimwe nguva apo inogona kuva yeruzhinji.
Kana zvikwereti zvinowira mune ramangwana, iwe unogona kuzviwana iwe uchibhadhara chido chepamusoro pane zvaunogona kuwana pane ikozvino kutora chikwereti.
Izvi zvinogona kureva kukanda mari kure kune chido chaungagona kudzivisa. Asi zvakashata zvakare ndezvechokwadi. Kana iwe ukavhara mune imwe yakasarudzwa inenge iri pane zvishoma, kana zvikwereti zvichikwira mune ramangwana, iwe unoziva kuchengetedza kwakanyanya pamusoro pevamwe vangave vachiwana zvikwereti zvino pamitengo yakakwirira.
Funga nezvezvikwereti
Paunofunga kana uchida kugadzirisa chikwereti chako, iwe unoda kutarisisa kuti unotarisira nguva yakareba sei uri mumba. Sezvo pane kuvhara mari inogona kuenzana nezviuru zvemadhora, unotarisa kuti ingatora nguva yakareba sei kuputsa kunyange iwe uchizogadzirisa.
Semuenzaniso, ngatitaurire kuti 1% inotora mutengo wekuderera inogona kuderedza mari yako yepamwedzi yekubhadhara mari ne $ 100. Icho hachisi chinhu chokunyunyuta, asi ngatitoreiwo kuvhara kwekuvhara kwako pakunatswa kwe $ 3,000. Izvozvo zvinoreva kuti iwe unoda kugara muimba kwemwedzi makumi matatu chete kuti urege kuputsa kunyange pakunatsiridza. Kana zvirongwa zvako zvingave zvichida kufamba mumakore matatu kana zvishoma, unogona kuona kuti kunatswa kunogona kukubhadharai.
Nhamba yeEquity
Chimwe chinhu chaunofanira kufungisisa ndechokuti wakaenzana zvakadini iwe mumba. Mazhinji mabhangi achada 20% kuenzana kuitira kugadzirisa mari yako. Izvo zvingave zvichiri kuitika kugadzirisa kunze kwekudaro kuenzana kukuru, asi iwe unogona kunge uchiwana zvakanakisisa kuita kana iwe unenge 20% muhutano.
Mukuwedzera, kana wakanga uchigara mumba kwechinguva uye wakavaka huwandu hwakanaka hwehutano, iwe unogona kuponesa kunyange mari yakawanda sezvo iwe uchikwanise kugadzirisa chikamu chakaderera pane chikwereti chepakutanga chikwereti.
Izvi zvinogona kuderedza mari yako yemwedzi pamwedzi sezvo iwe uri kubhadhara chikwereti chiduku.
Usakanganwa Nezvemitemo Mitsva
Chinhu chimwechete vanhu vakawanda vanokanganwa ndechekuti refinancing ichawedzerawo nguva yechikwereti zvakare. Kana iwe wakanga uri kubhadhara mari yako makore makumi matatu akatora chikwereti kwemakore 10 apfuura, iwe waingova nemakore makumi maviri chete. Asi kana iwe uchigadzirisa, kana ukasarudza imwe makore makumi matatu ekubhadhara, uri kudzokera pakutanga. Asi izvo vamwe vanhu vanoita ndezvekunatsiridza kubva kune makore makumi matatu kusvika kune makore gumi nemashanu kana vakatova nemakore akawanda ekubhadhara pasi pemabhandi avo.
Kufunga Kwokupedzisira
Sezvaunogona kuona, pane zvinhu zvakawanda zvokufungisisa usati waenda kumabhanki. Hungu, kuderera kwekutenga mari yakanaka, uye vanogona kukuchengetedza mari, asi hazvisi nyore nyore. Iwe unofanirwa kuve nechokwadi kuti iwe uchagara mumusha kwenguva yakakwana kuti ubatsirwe, uye uone kana zvichida kuchinja mazwi embairo inokosha.
Kwete izvozvo chete, asi chikwereti chenhoroondo yako chinonyanya kukosha kupfuura kare. Kana chikwereti chako chisina kukwana kana une zvimwe zviratidzo zvisina kunaka pamushumo wako, unogona kuwana kuti haugone kushandisa kunyange zvakanakisa mari.
Saka, kana uwandu huwandu hwaunofarira mukugadzirisa, zvakakodzera kutarisa. Ingova nechokwadi chekuti iwe hausi kukwezva neyoyo yega uye kuti iwe uri kunyatsokohwa mubairo wekunatsiridza.