Musoro Kukutengesa Hauna Kukwereta Mhedziso
Chii Chinotenga Musoro Ku?
"Kutenga pasi" kunoreva kutenga musha weimba kune yaive yakachengetwa.
Zvinoreva mutengesi ari kubhadhara chikwereti chiripo uye mutengi ari kutora chikwereti. Kubhadhara kusingabhadharwi kwemari yaivepo iko zvino inotarwa sechikamu chemutengo wekutenga mutengi.
Sei Mutengi aizotenga Chidzidzo Chekumba kune Mortgage?
Chikonzero chikuru chekutenga chinotarisirwa kuve kutora mutengesi wezvinodiwa wevatengesi. Kana huripo chido chekuda chikave ne7% uye mutengesi ane 5% yakagadziriswa-chikwata chekuda, iyo 2% yekusiyana-siyana inogona kuita kusiyana kukuru mubhadharo yemwedzi wemutengi.
- A $ 200,000 kutora chikwereti che 5% inotora chikwereti inobhadharwa pamutengo we $ 1,073.64 pamwedzi.
- A $ 200,000 kutora chikwereti pa7% yekutora mutengo yakabhadharwa pamutengo we $ 1,330.60 pamwedzi.
- Mari inowanikwa pamwedzi kune mutengi pasi pemamiriro ezvinhu aya ndeye $ 256.96 kana $ 3,083.52 pagore.
Chikonzero chechipiri: kazhinji vatengi havafanirwi kutenga imba kana vachishanda kune mari kunze kwekuti mutengesi asarudza kutora chikwereti chekwereti chemutengesi.
Kana mutengesi achida, kunyange mutengi ane chakaipa chikwereti angatenga nyaya yeimba kune.
Mitatu Mitatu Yezvidzidzo Kumasarudza
Chidzidzo chekutengeswa hazvirevi hako kumudzidzi mari asi chinogona. Kunyangwe mutengesi anotakura chero rudzi rwekubhadhara mari kunobva pakuti mutengesi anogadzirisa chikwereti uye / kana chikamu chekubhadhara kwakaderera nepamutengo wekutenga.
- Nheyo yakarurama kune mari-yakweretesa: Nyaya yakanyanya kufanana nayo ndeye apo mutengi achibhadhara mumari mutsauko pakati pekutenga mutengo uye mutengesi wemari yako yaivepo. Semuenzaniso, kana mutengesi wemari wechikwereti uripo uri $ 150,000 uye mutengo wekutengesa uri $ 200,000, mutengi anofanira kupa mutengesi $ 50,000 mumari.
- Mutsara wakarurama kune mutengesi wekutakura: Seller bearbacks , anozivikanwawo kuti mutengesi kana muridzi wemari, inowanikwa kazhinji mune sechipiri chekutenga chikwereti . Mutengesi bearback ingasimwawo kambani yenyika kana yekutengesa kushandiswa kwekutengesa chimbo.
Semuenzaniso, kana mutengo wekutengesa uri $ 200,000, chikwereti chiripo chiripo $ 150 000, uye mutengi ari kubhadhara mari ye $ 20,000, mutengesi aizotakura chikamu chinosara che $ 30,000 pane imwe chikamu chekuda uye mazano anotaurirana pakati pemapato. Mutengi angabvumirana kuti aite chikwereti chimwe chete kumutengesi wevatengesi uye kubhadhara kwakasiyana pane imwe mubare wekutambira kune mutengesi.
- Pota-pota maererano ne: Avhara-yakapoteredza nyaya kunopa mutengesi kuwandisa kwekufarira nokuti mutengesi anopa mari pane zviripo zvekutengesa mari. Ngatitaurirei kuti mari iripo inotora chikwereti chinotora chikamu che5%. Kana mutengo wekutengesa uri $ 200,000 uye mutengi anoisa pasi $ 20,000, mutengesi wekutakura zvaizova $ 180,000. Pamuzinga we 6%, mutengesi anoita 1% pane iripo rekutengesa re $ 150,000 uye 6% pamari ye $ 30,000. Mutengi aizobhadhara 6% pa $ 180,000.
Kusiyana Pakati Pechidzidzo Kumusoro uye Kuda Kwekubhadhara
Munyaya yekutengeserana, kunyange mutengesi kana mutengi anoudza mutero wakanga aripo uyo mutengesi akatengesa imba uye mutengi ari kuita ikozvino. Mutengi haana kuwana bvumo yebhangi kuti atore chikwereti. Vanokweretesa vanoisa verbiage yakakwana muzvinyorwa zvavo zvekutengesa uye kuvimba zviito izvo zvinopa mukwereti kodzero yekukurumidza kukwereta chikwereti pachinenge chaparadzaniswa .
Ko mabhenji anodana idzi zvikwereti zvakakodzera uye dzinobhadharwa pachinotengeswa here? Izvo zvinoenderana. Mune mamwe mamiriro ezvinhu, mamwe mabhangi anongofara kuti mumwe munhu - chero ani-ari kuita mari. Asi mabhangi ane kodzero yekukwiridzirwa kwechikamu chekutsvaga mukutenga kana kuvimba. Ndizvo zvinoita kuti zvive mungozi kune mutengi. Kana mutengi asingakwanisi kubhadhara chikwereti paanenge achida kubhengi, bhangi ringatanga kuzarura .
Kana mutengi achiita chikwereti chekubhadhara chikwereti , mutengi anotora chikwereti nemvumo yebhangi. Izvi zvinoreva kuti zita romutengesi rinobviswa kubva kuchikwereti, uye mutengi anofanirwa nekwereti, sekunge chero imwe yemari yekubhadhara mari . Kazhinji, mabhengi anotengesa mutengi mari yekufungidzira kushandisa kubhadhara chikwereti, asi mari yacho yakawanda kudarika mari yekuwana chikwereti chairo . FHA zvikwereti zvinobvumira kutora chikwereti asi zvikwereti zvinowanzoitika hazviiti.