Chokwadi uye Njodzi dzeMakore makumi mashanu ekubhadhara mari
Makore makumi mashanu emari yekugadzirisa zvikwereti zvikwereti zvinorayirwa kubhadhara makore anopfuura makumi mashanu. Nokuti iyo nguva yekubhadhara yakareba kwenguva refu, mwedzi mumwe nomumwe kubhadhara zvakaderera zvikuru kune dzimwe chikwereti. Makore makumi mashanu ekugadzirisa mari anoshandiswa kushandiswa semari inoshandiswa kwemari uye inenge isina kumbobhadharwa makore anopfuura makumi mashanu. Ngatitorei zvakajeka nezvekuti makore makumi mashanu emakore ekugadzirisa zvikwereti anoshanda sei kana kuti kwete here.
Basics of Mortgage Year 50
Zvizhinji zvegore makumi mashanu zvekugadzirisa zvikwereti zvakagadziridzwa chireji mari.
Iyo yakavakwa kuitira kuti iwe ubhadhe chikwereti chinopfuura makore 50. Izvi ndezvenguva refu, sezvo zvikwereti zvakawanda zviine makore gumi nemashanu kana makumi matatu emadhorobha. Kunyange kana iwe usingatombochengetedza chikwereti chemakore 50 kwemakore makumi mashanu, chikwereti chacho chakagadzirwa nemakore makumi mashanu emangwana mupfungwa. Zvakaoma kuwana zvikwereti zvemusha zvakagadzirwa nemakore makumi mashanu emakore (kana yakatora).
Sei Uchishandisa Mutero Wegore 50?
Vanhu vakawanda vanosarudza chikwereti chemakore makumi mashanu ekubhadharwa kwemwedzi. Kana ukashandisa chikwereti chemakore 15 kana makumi matatu, chikwereti chako pamwedzi chichave chakakwirira. Nokutambanudza chikwereti, mwedzi pamwedzi kubhadhara kunoderedza zvinoshamisa.
Iwe unogona kubatana ne mortgage calculator kuti uone pachako kuti izvi zvinoshanda sei. Shandisa nguva yakatarwa kubva pamakore gumi nemasere kusvikira pamakore makumi mashanu nemashanu uye tarisa kuti mari yekubhadhara kwemwedzi inoshanduka sei.
Matambudziko nemakore makumi mashanu ekubhadhara mari
Kunyange apo kuderera kwemwedzi pamwedzi kunogona kuva kwakanaka, kune nguva dzose tradeoffs. Kushandisa chikwereti chemakore makumi mashanu (50 mortgage mortgage) zvinoreva kuti iwe uchabhadhara zvakawanda mune zvekuda uye iwe uchavaka kuenzana zvishoma nezvishoma.
Nokushandisa imwe yezvinyorwa muhutano hwepamusoro (kana kuti chikwama chekuita mari yekuita mari ) iwe uchaona kuti mari inofanirwa mari yakawanda yakareba zvakadini nemakore makumi mashanu ekubhadhara.
Haisi nguva yakareba iyo inowedzera kufarira mari. Makore makumi mashanu emitengo yekutengesa yakauyawo nehuwandu hwemari. Tarisira kubhadhara zvimwe .25% kana kupfuura kupfuura iwe waizotora makore makumi matatu.
Kana uri kutarisa makore makumi mashanu ekugadzirisa mari, unofanira kuzvibvunza: Ndiri kutenga musha kupfuura zvandinokwanisa here?
Kubhadharwa Mari: Mari
Apo patinotaura pamusoro pezvikwereti, zvakadai semakore makumi matatu emakore ekugadzirisa mari kana makore makumi mashanu emadhorobha, tinenge tichitaura kuti zvichazotora nguva yakareba sei kubhadhara chikwereti. Nebhadharo rega roga roga roga, iwe unobhadhara chikwereti uye iwe unotsiva chikamu chemari yekukwereta. Negore ramakore makumi mashanu, chikwereti chako chekupedzisira mugore ra19chachabhadhara 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 zvinoshandiswa pamakore ekuchengetedza makore makumi mashanu
Gore rechigore rekutora chikwereti gore makumi mashanu ringakwanisa kuva rakakwana 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 kune chikwereti chete kunogona kuita chimwe chinhu chakafanana nemakore makumi mashanu ekubhadhara mari. Iwe unogona kuva neropafadzo yekuwana chikwereti chikwereti chete kana kuti makore makumi mashanu ekubhadhara mari 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.