Kana zvikwereti hazviregi nehanya
Kuchengetedza kunokanganisa kunokwanisika nemhando ipi zvayo yezvikwereti, uye inowanzoonekwa nevana vechikwereti uye zvikwereti zveimba.
Kushandiswa kwemaitiro kusina basa kunoshanda sei?
Kuti unzwisise kushandiswa kwemaitiro kusina kunaka, zvakanakisa kutanga ne-plain-old amortization.
Kutora mari ndiyo nzira yekubhadhara pasi chikwereti chechikwereti nemari yakasarudzwa (kazhinji pamwedzi kubhadhara). Somuenzaniso, iwe paunotenga imba ine makore makumi matatu nemakumi matatu ekubhadhara mari, iwe uchaita mwero mumwechete mwedzi wose - kunyange zvazvo chikwereti chako chikwereti uye iwe uchida mari inoderera kudarika nguva.
Kubhadharwa kwemwedzi kunotarirwa zvichienderana nezvimwe zvikonzero:
- Chikwereti chemari - chikwereti chaunokwereta
- Nguva yakareba iwe uchatora kubhadhara chikwereti ( inozivikanwa sezwi )
- Inhara yekutambira inokweretwa pachikwereti chako chikwereti
Kuverenga kunouya nebhadharo yakasimbiswa iyo ichabhadhara zvachose chikwereti chako pakupera kwenguva yaunosarudza (inowanzoita makore 15 kusvika ku30 pamushumo wemusha). Mutero mumwe nomumwe une zvikamu zviviri:
- Chimwe chikamu chebhadharo chinotora chikwereti chekuda mari pachikwereti chako
- Zvasara zvekubhadhara zvinokwereta chikwereti chako (kana kuderedza chikwereti chako chikwereti)
Kuti udzidze zvakawanda uye ona shanduro yekugadzirisa matafura, Pasi pepaji rino, uchawana samuenzaniso risingabhadhari chati.
Kana zvinhu zvichienda zvisina kunaka
Nezvikwereti, iwe unokwanisa kubhadhara zvishomanana kudarika chikwereti chakakwana chekubhadhara. Chikonzero chikuru chekubhadhara zvishoma, zvechokwadi, zviri nyore kubhadhara zvishomanana.
Kana iwe uchibhadhara mari shoma pane inotora chikwereti mumwedzi wakapiwa (kana nguva ipi zvayo inoshandiswa), mari inofanirwa yakawedzerwa kune chikwereti chako.
Mune mamwe mazwi, iwe unokwereta kupfuura mwedzi woga woga . Iwe hausi kuwana mari kubva kune chikwereti chako, asi chikwereti chako chekukwereta chinokura nokuti hauri kubhadhara chikwereti.
Nzira yekuwedzera chido kune chikwereti chechikwereti inozivikanwa sekusimudzira chido .
Pakupedzisira, iwe unofanira kubhadhara chikwereti. Izvozvo zvinogona kuitika nenzira dzinoverengeka:
- Kuburikidza nekubhadhara nguva dzose amortizing (iyo ichave yakakwirira kudarika iyo ingadai yakave iyo iyo chikwereti chakanga chisina kukura)
- Nokugadziridza chikwereti
- Nokuita bhodhi mubhadharo kubhadhara chikwereti
Sei uchishandisa kushandiswa kusina kunaka?
Iwe unofanirwa kubhadhara chero nzira, saka nei vanhu vakasarudza kurega zvikwereti zvichikura?
Kusakwanisa kubhadhara: dzimwe nguva iwe pachako hauna mari inowanikwa yekubhadhara. Somuenzaniso, munguva dzekushaiwa basa, iwe ungasakwanisa kubhadhara chikwereti chako chemudzidzi. Zvinokwanisika kukumbira kusununguka , izvo zvinokubvumira kuti urege kugadzira zvikwereti kwekanguva. Zvisinei, kufarira kuchiri kukwidzwa, uye iwe unofanirwa kubhadhara chikwereti kunze kwekuti iwe wakabhadhara zvikwereti . Cherechedza kuti iwe unowanzova nesarudzo yekubhadhara chikwereti (paunenge uchibvarura mutero mukuru) kana uchida kudzivisa kusagadzikana.
Zvikwereti zvezvikwereti: mune dzimwe nguva, vatengesi havasi kufarira kusayina mahomwe makuru emwedzi.
Izvi zvinonyanya kukosha kumapurojekiti emakore mashoma (somuenzaniso, kugadzirisa-uye-flip). Iyi inzira inofungidzira uye ine ngozi yekuisa mari, asi vamwe vanhu nemabhizimisi vanozviita kubudirira. Kuti urongwa hwokubhadhara, iwe unoda kutengesa zvinhu izvi nefuma yakakwana kubhadhara chikwereti chausina kubhadhara.
"Kutambanudza" kutenga: vamwe vatengi vemusha vanoshandisa maitiro asina kunaka kutenga imwe nzvimbo iyo iri kunze kwemutengo wavo. Iko kufungidzira ndeyokuti vachave nemari yakawanda gare gare, uye vangada kutenga pfuma inodhura nhasi kupfuura kutenga inodhura uye vanofanira kufamba pane imwe nguva mune ramangwana. Zvakare, iyi isarudzo ine ngozi - haugoni kufanotaura remangwana, uye kune dzakawandisa nhau dzetarisiro dzisina kumboitika. Mimwe mienzaniso yezvikwereti zvinokuvadza zvinosanganisira sarudzo-ARM zvikwereti kana kuti kukwereta -yako-kubhadhara zvikwereti (izvo zvisingashamisi sezvazvaimboita).
Muenzaniso wekusagadzikana kwemaitiro
Kuti uone kusagadzikana kwekuita basa, tora chikwereti chipi nechipi uye ufungisise kuti iwe unobhadhara zvishoma kudarika mutengo. Nokufamba kwenguva, chikamu chichawedzera.
Somuenzaniso, funga kuti iwe unokwereta $ 100,000 pa 6% kwemakore makumi matatu ekubhadhara mwedzi mumwe nomumwe. Munyaya iyi, hatingabhadhara chero mwedzi mumwe nomumwe, uye iwe uchaona kuti chikwereti chikwereti chinowedzera. Iwe unogona kuvaka rako rekuita mabheji uye kushandisa chero mari yaunosarudza.
Sezvaunogona kuona, chikwereti chaunobhadhara iwe chinowedzera mwedzi woga woga - pamwe chete nemari yako yemari.
| Mwedzi | Kutanga Balance | Zvechokwadi Payment | Principal | Kufarira | Kugumisa Balance |
| 1 | $ 100,000.00 | $ - | $ (500.00) | $ 500.00 | $ 100,500.00 |
| 2 | $ 100,500.00 | $ - | $ (502.50) | $ 502.50 | $ 101,002.50 |
| 3 | $ 101,002.50 | $ - | $ (505.01) | $ 505.01 | $ 101,507.51 |
| 4 | $ 101,507.51 | $ - | $ (507.54) | $ 507.54 | $ 102,015.05 |
| 5 | $ 102,015.05 | $ - | $ (510.08) | $ 510.08 | $ 102,525.13 |
| 6 | $ 102,525.13 | $ - | $ (512.63) | $ 512.63 | $ 103,037.75 |
| 7 | $ 103,037.75 | $ - | $ (515.19) | $ 515.19 | $ 103,552.94 |
| 8 | $ 103,552.94 | $ - | $ (517.76) | $ 517.76 | $ 104,070.70 |
| 9 | $ 104,070.70 | $ - | $ (520.35) | $ 520.35 | $ 104,591.06 |
| 10 | $ 104,591.06 | $ - | $ (522.96) | $ 522.96 | $ 105,114.01 |
| 11 | $ 105,114.01 | $ - | $ (525.57) | $ 525.57 | $ 105,639.58 |
| 12 | $ 105,639.58 | $ - | $ (528.20) | $ 528.20 | $ 106,167.78 |