Ndeipi Inakanakisisa Kwauri? Makore gumi nemashanu-Gore rinotarisana nemakore makumi matatu nematanhatu

Kuvhiringidzwa nezvose zvasarudzo zvaunoda kuita kana uchitenga imba? Fixed-rate mortgages ndiyo yakawanda uye yakakurumbira zvikuru yemari yemari, uye inodzivisa kushamiswa kunogona kuuya nechinokwanisika -cheji mari . Asi iwe unotofanira kusarudza pakati pemakore gumi nemashanu ekubhadhara chikwereti uye makore makumi matatu ekubhadhara chikwereti , shandisa pamwe nekwereti yakarurama , uye shandisa mari yako.

Makore gumi nemashanu-Anotarisana nemakore makumi matatu nemakumi matatu ekubhadhara mari

Imakore gumi nemashanu (mortgage mortgage) inoderedza mari yako yose yekubhadhara mari uye inokubvumira kubvisa chikwereti nokukurumidza.

Asi chikwereti chemakore makumi matatu chinodarika chikwereti chemwedzi, zvichikubvumira kuchengetedza zvimwe zvinangwa uye kubhadhara mari isingatarisirwi.

Haigoni kusarudza? Tichavhara mararamiro ehutano uye nehuwandu huwandu hwezasi. Asi kana kubhadhara kwemakore gumi nemashanu kuchikuvhundutsa, unogona kuwana chikwereti chemakore makumi matatu nemakumi matatu uye uchibhadhara mwedzi mumwe nomumwe . Ingoverenga mahomwe ako sekunge iwe une makore gumi nemashanu ekubhadhara chikwereti, uye uite chikwereti ichocho chakakwirira kusvika dambudziko rinokudzivirira kuti usadaro. Iyo nzira inokubvisa chikwereti munguva pfupi, uye iwe unobhadhara chikwereti chiduku kudarika iwe unenge uri makore makumi matatu ekubhadhara mari. Zvisinei, kana iwe uchida kupedza zvishoma zvakakwana pazvikwereti, zvipira kune makore gumi nemashanu ekubhadhara mari kuitira kuti iwe uwane mukana wakaderera iwe unogona .

Mutero weMwedzi

Pakutanga kuona, musiyano unooneka zvikuru pakati pemakore gumi nemashanu nemakumi matatu emakore ekubhadhara chikwereti ndiyo inowanikwa pamwedzi. Imari yemakore makumi matatu nemakumi matatu inoshandisa chikwereti chakaderera-kunyange izvo zvisingaiti kuti zvive nani. Zvimwe, zvisingaoneki, kusiyana kunokosha zvakare.

Mariko isingabhadharwi: Maererano nemari yaunowana uye ukuru hwekubhadhara kwako pasi , makore gumi nemashanu ekubhadhara mari zvingave zvisingakwanisi.

1. Kana iwe uine hanya nezvekubhadhara kwako kwemwedzi pamwedzi, zvingave zvichifadza kutambanudza zvikwereti zvako makore anopfuura 30 panzvimbo ye15.
2. Vatengesi vanobvumira chikwereti chako chekubhadhara chinoenderana, muchikamu, pamusoro pekukwanisa kwako kubhadhara chikwereti. Kuti vaite izvi, vanofananidza mari yako yemwedzi pamwedzi kune chikwereti chako chemwedzi. Kunyange kana iwe uchinzwa wakasununguka nekubhadhara kwemakore gumi nemashanu, chikwereti chako -kusvika-purogiramu chinogona kukanganisa iwe nekuda kwezvikwereti.

Zvimwe zvinangwa: Kana uri kuchengetedza kune zvimwe zvinangwa, sekusunungurwa, makore makumi matatu ekubhadhara mari inoita kuti zvive nyore kubhadhara zvinangwa izvozvo. Panzvimbo pokuita mari yakawanda yokubhadhara chikwereti mwedzi mumwe nomumwe, iwe uchange uine mari yakawanda mubhajheji yako kuti uise kune izvo zvinangwa zvenguva refu. Zvechokwadi, kana iwe uchienda nemari yemakore makumi matatu uye iwe uchingoshandisa mari pa "anoda" mwedzi woga woga, unogona kunge uri nani kune chikwereti chemakore gumi nemashanu.

Kugadzikana: Imba yemakore makumi matatu nemakumi matatu inokubatsira kuti uchengetedze zvaunosarudza uye uwane zvinoshamisa zveupenyu. Kana ukashandura mabasa (kana kurasikirwa nebasa), iwe uchaziva kuti kubhadhara kwepamwedzi kwepamwedzi.

Mari yekuverenga: Kuti uone iyo mechanics iri shure kwekubhadhara kwako kwemwedzi, chengetedza zvinyorwa zvekubhadharwa kwekubhadhara uye shandisa zvinyorwa zvekutsvaga muIndaneti kuedza kusarudzo dzakasiyana siyana.

Kukurumidza Kudzorera Kwako

A makore ane makore gumi nemashanu (mortgage mortgage) anobatsira kubhadhara mari yako chikwereti nokukurumidza. Nebhadharo yemwedzi wega wega, iwe uchaita hukuru hukuru mune chikwereti chako kupfuura iwe unogona nemari yemakore makumi matatu. Pane imwe nzvimbo, iwe uchabhadhara mari shoma, iyo inopa zvikomborero zvakawanda:

1. Iwe unovaka kuenzana nekukurumidza , iyo yaunogona kushandisa kumusha wako unotevera kutenga kana zvimwe zvido.
2. Zviri nyore kugadziriswa nechezasi yeizvikwereti-to-value ratio .
3. Kana iwe uchida kutengesa imba yako, iwe hauzombove uri pasi pemvura .

Kunyanya, kana ukagara mumba mako, unogona kumira kuita mari yekubhadhara mari pashure pemakore gumi nemashanu panzvimbo yekuita kuti varambe vari kwemakore makumi matatu.

Mari Inoshandiswa

Uine makore gumi nemashanu ekubhadhara mari, iwe unobhadhara chikwereti chiduku kudarika iwe unenge uri pamakore makumi matatu ekubhadhara mari. Zvinhu zviviri zvinoshanda kwauri:

1. Chido chekuda mari : zvikwereti zvemakore gumi nemashanu zvinowanzova nezvikwereti zvishoma kudarika makumi matatu emakore-chikwereti, zvimwe zvinhu zvose zvakaenzana. Saka iwe unobhadhara chikwereti chiduku kubva mugore rako rokutanga.
2. Nguva yeupenyu inofara mari: Kana iwe ukatora chikwereti, iwe unowedzera kufarira iwe . Uyezve, nemari shoma yemwedzi pamubhadharo wemakore makumi matatu, chikwereti chako chemari (uye mari yaunobhadhara chikwereti) inoramba yakakwirira kwenguva refu. Kuti uone kuti basa iri rinoshanda sei, tarisa patafura yekugadzirisa inoratidzira mwedzi mumwe nomumwe, mitero yemwedzi inokweretwa, uye yako inokweretesa chikwereti.

Muenzaniso: Makore ane gumi nemakore ekuberekerana nemakore makumi matatu nematanhatu

Kuona kuti zvinhu zvose zviri pamusoro apa zvinoshanda pamwe chete, ngatitei nomuenzaniso.

Ita kuti iwe unokwereta $ 200,000 kutenga imba, uye iwe unogona kusarudza pakati pemakore 15 nemakore makumi matatu ekubhadhara mari.

• Anofunga kuti makore makumi matatu nematatu anokweretesa chikwereti chinokweretesa nechiyero che4.10 muzana.
• Ngatora chikwereti chemakore gumi nemashanu (fixed-rate rate) chikwereti nechiyero cha 3.43 muzana.

Mutero weMwedzi Uno: Imba yemakore makumi matatu nemakumi matatu inokweretwa pamwedzi.

• Kubhadhara kwemakore makumi matatu: $ 966
• Mutengo wemakore 15: $ 1,432

Kuderedzwa kwematokari: Uchabhadhara pasi chikamu nokukurumidza nemari yemakore gumi nemashanu.

• Kurambira mubhadharo yemari chikwereti chemakore makumi matatu nemakore mushure memakore manomwe: $ 172,513
• Kurambira muchikwereti chemari chikwereti chemakore gumi nemashanu pashure pemakore manomwe: $ 119,674

Mari inoshandiswa: Unobhadhara chikwereti chiduku nemari yemakore gumi nemashanu.

• Uine chikwereti chemakore makumi matatu nemakumi matatu, iwe uchabhadhara $ 147,903 muzvikwereti zvemari pamusoro pehupenyu hwechikwereti chako. Uyezve, iwe unofanira kubhadhara $ 200,000 chikwereti chikwereti.
• Uine chikwereti chemakore gumi nemashanu, iwe uchabhadhara $ 56,122 chete muzvikwereti zvekuda mari.