Ndinofanira Kuisa Mari Here Kana Kuti Ndibhadhe Mberi?

Inotenderera KuInjere Inodzorera, Mutero Wechesi, uye Mortgage Rate

Kuti uone kana iwe uchifanira kubhadhara kana kubhadhara chikwereti chako, unofanidza kuenzanisira mushure mekubhadhara mutero pamari yako yekutengesa nemitero inotevera mushure mokutenga, sezvinotevera mumuenzaniso uri pasi apa.

Ngatitangei pfungwa dzinotevera:

• Mutengo wemari mutengo: 25%
• Kusachengetwa kwekusachengetedzwa kwakachengeteka kudzoka
• Mortgage rate: 6%

Une Zvaunosarudza, Kana Kuti Iwe?

Uchishandisa zviri pamusoro apa, nezvemari ye $ 100 yemari inotengeswa mari, mushure mekubhadhara mitero pa25%, unofanira kuchengetedza $ 75.

Kune $ 100 yekutora chikwereti chaunofambisa iwe uchibhadhara, uchifunga kuti iwe unobviswa pamitero yako yekudzoka , mushure mokuderedza chido ichi pa25%, yako yekodhi mari ye $ 75.

Chero nzira, iwe uri kubhadhara mutero pasinei nokuti iwe unotora uye unowana mari yekutsvaga mari kana mari mumari yekusimwa kubhadhara chikwereti uye saka unorasikirwa nemutero unobhadhara.

Mukana Wekuda Muenzaniso

Uchishandisa chiitiko ichi, funga iwe waive nemari inopfuura $ 1 000 yaunogona kuisa kana kushandisa kubhadhara chikamu chekutora chikwereti chako.

• Kana iwe ukasara, iwe waizowana 4%, saka mari imwe neimwe ye $ 1000 inowanikwa iwe unowana $ 40. Mushure mokubhadhara mitero kune ichi chikwereti chemari, iwe unogona kuchengeta $ 30.
• Kana ukashandisa $ 1 000 kuti ubhadhe chikamu chako chekutenga chikwereti, chaizokuchengetedza 6%, kana kuti $ 60 mubhadharo yekubhadhara, asi iwe haungazove uine $ 60 yakawanda kuti uzvitore pamutero wako wekubhadhara mutero, saka pashure pokutengesa mutero wakaderera kuderedza, inokuchengetedza $ 45.

Muchiitiko ichi, iwe unoponesa $ 15 pagore nekubhadhara chikamu chako chekutengesa pane kuisa mari yako yakawedzerwa.

($ 15 = $ 45 mari yekuchengetedza chikwereti - $ 30 chibereko chakanaka chawana mari).

Zviri pachena, chido chekuda, mitero yemitero uye kudzokera kune zvikwereti zvakachengeteka zvinogona kuchinja. Heano nhungamiro ina iwe unogona kushandisa kuti uone kushanda kwakakosha kwekubhadhara chikwereti chako.

1. Sezvo mutero wako wemutero unoderedza zvingave zvakabatsirika zvekubhadhara chikwereti chako chinowedzera.

1. Sezvo kubhadharwa kwako kwekutsvaga kuchiderera, zvingangobatsira kubhadhara chikwereti chako chinowedzera.
2. Sezvo kubhadhara kwako kuchidzoka kuchiwedzera, zvingave zvakabatsiro zvekutsvaga mari panzvimbo pokubhadhara kuwedzera kwekutora chikwereti, asi kudzoka kwakakwirira kunowedzera ngozi yakawanda kuitira kuti iwe unofanira kufunga nezvehuwandu hwehutano hwekutsvaga iwe unoda kutora uchienzanisa nekudzoka kusina mungozi yekubhadhara yako mortgage. Kubhadhara chikwereti ndechekudzoka kwakavimbiswa. Zvimwe zvikwereti zvinogona kupa hudzo hwakakwirira, asi kudzoka hakuzovimbiswi.
3. Pasi padzimba dzekutengesa mari, nguva yakareba kubatsirwa kwokubhadhara chikwereti hachizove chakakosha sekunge mari yako yekutengesa yakawedzera.
4. Kana iwe uchikwanisa kubhadhara mari yakawedzerwa kune chikwereti chako, kana kuisa mari yakawanda mune yako 401 (k) hurongwa, kazhinji sarudzo yakanakisisa iri kubhadhara zvakanyanya kune yako 401 (k) hurongwa.

Zvimwe Zvimwe Zvikuru Zvinofungwa

Kufanana nekusarudzwa kwezvemari, mamiriro enyu chaiwo kusanganisira makore uye hutano, mararamiro emari, mutero wekutumira mitsara, uye manzwiro pamusoro pengozi inofanira kuonekwa mukugadzirisa chisarudzo chakanaka kwauri. Izvo zvose zviri zviviri zvinobatsira uye zvinononoka kubhadhara chikwereti kare .

Mhando yakakosha yemhuri inogona kubatsirwa zvikuru nekushandiswa kwekwereti uye kuva nehuwandu hwekuwana mikana inowanika mukutora chikwereti chikwereti pamusika zvakadai sekushandurwa kwemadhoroji, kushandiswa kwemari, uye mikana yekugadzirisa.

Kana iwe uri wepamusoro wemari / yepamusoro yekodzero yakakodzera munhu pamagumo ezuva, zvikwereti zvishoma zvekubhadhara chikwereti chekuda, mikana yakasarudzwa yemitero, uye kuwedzera mitero yefodfolio kuti kuchengetedza chikwereti chinyatsooneka.

Zvisinei, mhuri dzine mari shoma shoma pasina kuisa ruzivo ruzivo dzichawana kuti kubhadhara pasi mari yavakatora ndiyo imwe yezvisarudzo zvakanakisisa zvavanogona kuita.

Hapana mari yekutsvaga inogara iripo pasina njodzi. Kana iwe ukakwanisa kuwana mari yakakwirira yekudzoka kupfuura iwe mortgage rate, iyo mathemati inoshandiswa kuisa mari. Zvisinei, masvomhu haisi iye oga kufunga - rugare rwepfungwa harusiko.