Zvingangodhura mutengo wokutengeswa unokosha zvikuru kudarika chikwereti chechido chinoenderana nemaonero ako. Zvose zvivako zviya. Izvi zvinoreva chero chii chiri kuitika mumusika wemunharaunda yako muPoenix, somuenzaniso, inogona kusiyanisa kubva, ichiti, mumusika muManhattan. Zvakanaka chaizvo zvisingakwanisi nguva nguva yemisika yemugove , asi iwe unogona kuedza kushandisa nzira iyo motengesi inofamba nayo.
Kufanana neBono kuimba, " anofamba nenzira dzisinganzwisisiki ," haugoni nguva dzose kufanotaura kuti misika ichaenda sei.
Asi iwe unogona kuiona ichifamba. Ngatitarisei nezvezvakaitika zvekare zvemitengo yemakore makumi matatu ekugadziriswa kwemari . Kazhinji, kutonga kwechigunwe ndeye apo kuwedzera kwezvikwereti zvichikwira, kutengesa kwekutengesa kunotsika pasi kunobhadhara, asi kwete nguva dzose.
Kukwidza Mitengo yeMitengo vs. Kurambidza Kufarira Mitengo
Iti iwe uri kuenzanisa imba muPenieni iyo yakakosha madhora 240 000 uye chikwereti chako chinokwana 4.5%. Kana iwe waive uchikutenga mumusika unowedzera uye wakamirira kusvika mutengo iwoyo wawira madhora 210 000 asi mutengo wakakwira kusvika ku6,5%, unogona kunge uri nani kubva pakutenga pamutengo wakakwirira. Hungu, ichokwadi. Mubhadharo we 80% LTV chikwereti cheimba ye $ 240,000 pa4,5% ye $ 972.84.
Mubhadharo we 80% LTV chikwereti chemusha we $ 210 000 pa 6.5% i $ 1067.87.
Isa imwe nzira, kana iwe ukabhadhara madhora makumi matatu emadhora makumi maviri nemakumi matatu nemakumi matatu nemakumi matatu nemakumi matatu nemakumi matatu nemakumi matatu nemakumi matatu nemakumi matatu nemakumi matatu nemakumi matatu nemashanu.
Kana iwe wakabhadhara $ 30,000 pasi paunokwereta $ 210,000 asi wakabhadhara pamutengo wepamusoro wekutora kwemakore makumi matatu, nenguva yawakabhadhara chikwereti chako, ungadai wakabhadhara mari inosvika $ 384,433.20.
Muchiitiko ichi, hazvisi nani kubhadhara zvishomanana mukutsinhanisa nehuwandu hwechikwata.
Iwe Unorasikirwa Nenguva Yakawanda Mutengo Wakawanda Nemumwe Chete .50% Inofanirwa Kuita Hike?
Ngatitangei kuenzanisa imba iyoyo pa $ 240,000 kana mutengo wakakwira 1/2 uye iwe waida kuchengetedza kubhadhara kwako zvakafanana. Kubhadhara mari yakawanda kune makore makumi matatu.
Kana chikwereti chako pasi chiri 20% yemutengo wekutengesa, ingani yeimba yako yaungatenga kuti uchengetedze kubhadhara kwako kune $ 975?
- $ 240,000 x 80% pa4,54% chikwereti chakaenzana nekubhadhara kwe $ 972.84
- $ 226,260 X 80% pa 5.0% inowanikwa chikwereti chinokwana $ 971.65
- $ 214,062 X 80% pa55% inokwereta inokwana chikwereti che $ 972.34
- $ 202,500 X 80% pa 6.0% chikwereti zvakaenzana nekubhadhara kwe $ 971.27
- $ 192 188 X 80% pa6,5% chikwereti zvakaenzana nekubhadhara kwe $ 971.80
Iwe unogona kuona kuti kuwedzera kwe2% muhuwandu hwekufarira kunokurasikirwa newe ne $ 50,000 ekutsvaga simba mumutengo wematengo aya. Kana iwe wakawedzera mutengo wekutengesa, iwe ungarasikirwa ne100 000 zvekutsvaga simba kune 2% kupararira mune chido.
Ichi ndicho chikonzero chido chekufarira chichiita chinhu chikuru kune vakawanda vanotengesa kumba kwekutanga. Kana iwe wakatambanudzirwa zvikuru kusvika kumucheto wepamusoro wematengo ako wekutengesa uye mutengo unokwira, iwe ungasakwanise kutenga imba iyo yoroti iwe unoda nekuti hauzone kukodzera kuwana iyo yekutengesa mutengo. Uye, kungofanana iwe uchiziva, kuita bhasibhokisi kupa kwete nguva dzose mhinduro.