Vashandi vekumba vanotora mwedzi nguva yengoni vasati vatanga kubhadhara
Muverengi anobvunza kuti: "Handizivi kuti mari yekubhadhara mari inoshanda sei, asi mutariri wangu anonditaurira kuti handichazofaniri kubhadhara kwenguva yakareba mushure mokunge ndavhara musha wangu mutsva. kusimudzira chikwereti changu uye hadi kuedza kutora mukana wekuipisa.
Mhinduro: Zviri nyore kupfuura iwe unofunga kuti uone kana chikwereti chako chekutanga chekubhadhara chikwereti chikaitika.
Usarega shoko rokuti kuburitsa rinotyisa iwe. Kunyatsonzwisisa kunamatira ndicho chinhu chinokosha kuti unzwisise kuti chikwereti chinoshanda sei. Kutora ndiyo izwi rinonyanya kureva chikwereti chako chisina kubhadharwa chinoverengerwazve mwedzi woga woga zvichienderana nekubhadhara kune mukuru uye chido. Pakupera kwekutora chikwereti chako, kazhinji makore makumi matatu, chikwereti chako chabhadharwa.
Mortgage Interest Inobhadharwa Munzeve
Misoro inoreva kuti mari inokweretwa kubva kare. Mari inotora chikwereti inobhadharwa mushure mokunge yawana, kwete. Nokudaro, kubhadhara kwako kwekutanga kubhadharwa kunobhadharwa pakutanga kwegore rokutanga rakazara mushure mekuvhara uye mwedzi woga woga pashure .
Asi, kana iwe uchikwereta imba paJune 1, somuenzaniso, renti yako yaizofanira kuve yaJune 1 nokuti inobhadhara mwedzi waJune zvisati zvaitika. Asi kubhadhara chikwereti kunobhadharwa mumishure, saka gwaro reJune 1 kubhadhara chikwereti chinopa mubereko we mwedzi wose waMay.
Unoita Rini Kutenga Mari Yenyu Yokutanga?
Paunotenga imba uye uwane chikwereti, mutambi wekuvhara achaunganidza chikwereti kubva kwauri kusvika pazuva remazuva makumi matatu asati apera mwedzi wakakwana.
Chido chacho chakanyorwa pane chirevo chako chekuvhara uye chakanzi chekuvhara mari.
- Mari yekubhadhara mari inosanganisira zvikamu zviviri: kufarira uye mukuru.
- Chido chinogara chibhadharwa mazuva makumi matatu mumashure.
- Chikamu chikuru chekubhadhara chikwereti chako chinoderedza chikamu chako chikuru pazuva raakakodzera.
Ngatiti zuva rako rokuvhara ndiChishanu 15.
Iwe uchakwaniswa kubhadhara zvido zvezuva nezuva kubva munaMarch 15 kusvika munaMarch 31 pamashoko ekuvhara kwako. Inofanirwa kuunganidzwa pakuvhara ichavhara chikwereti chinokonzerwa nekutora chikwereti chemazuva gumi apfuura muna March. Zvadaro, kubhadhara kwako kwekutanga kunotora musi wa1 May, uye iyo kubhadhara ichabhadhara chido chaApril.
Chokutanga Mortgage Payment Calculation Yakatsanangurwa
Ngatiti iwe unokwereta $ 200,000 pa 5% inofarira. Kubhadhara kwako kwemazuva ose kwaizova $ 1,073.64, kuripwa muzvikamu zvakaenzana pamwedzi pamakore makumi matatu.
Mari yako yezuva nezuva yekubhadharwa - kwenguva iyo isati yasvika mazuva makumi matatu asati atanga kubhadhara - inofungidzirwa nokutora madhora 200 000 nguva inowanikwa nehuwandu hwe5%. Zvadaro, diurai nemwedzi gumi nemaviri - $ 833.33 - uye zvakare nemazuva makumi matatu.
Zororo rako zuva rega rega iri $ 27.78. Kana ukavhara musi waMarch 15, une chikwereti chemazuva makumi matanhatu nemasere kana kuti $ 444.48, iwe unobhadhara pakuvhara.
Apo iwe unopa mubhadharo we $ 1,073.64 musi waMay 1, kuti kubhadhara mari yechibhadharo kuchabhadhara chido chaApril sezvinotevera:
$ 1,073.64 - $ 833.33 (Kufarira kwaApril) = $ 240.31 ( kupera kwepamusoro ). Bvisa $ 240.31 kubva ku $ 200,000, uye bhizimisi rako risina kubhadhara kubva muna May 1 ikozvino $ 199,759.69.
Iwe unogona kunge wakagamuchira kubhadhara kwenguva pakati pekuvhara uye yekubhadhara kwako kwekutanga, uchipa mari yakawanda yauchabhadhara pakuvhara.
Asi kunyange zvazvo zvingaita sokuti uri kutora mwedzi usingabhadharwi kubhadharwa kweimba paunopedza musi waMarch 15, iwe hausi chaizvo.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.