Basics of Hybrid Loans
Marikiti yakasvibirira inouya nenzira dzakasiyana-siyana, uye inonyanyozivikanwa pamarikiti yemusha.
Ivo "hybrid" (kana musanganiswa) wezvigadziriswa- zvekubhadhara zvikwereti uye kugadziriswa kwehuwandu hwemari (ARMs) -uye iwe unowana zvimwe zvezvipo zvemarudzi ose emari.
Fixed-rate mortgage inofanirwa kuitika : Unoziva kuti chikwereti chako chichave chei kune hupenyu hwechikwereti chako, uye iwe unogara uchiziva kuti mari yako yedzipi neipi ichave iri. Chikwereti chinoshandiswa chinopa hutano hwemakore gumi zvisati zvachinja.
Zvigadziriswa-mutengo wemari yakawanda inotanga kubuda nemari inoshandiswa inowedzera, uye zviduku zvinokonzerwa nekubhadhara kwepamwedzi kwepamwedzi. Zvisinei, kana zvikwereti zvinowedzera, mari yako yepamwedzi inogona kuwedzera, iyo inonetsa kana iwe usina mari yekuyerera kuvhara mari yakakwirira.
Apo Vanoshanda Zvakanakisisa
Icho chidiki chekutanga chinotanga chinouya neimwe ngozi. Asi zvigadzirwa zvinogona kuve nechinangwa mumamiriro ezvinhu akanaka.
Muchidimbu-nguva: Kana uchida kuenda kana kugadzirisa mukati memakore mashomanana, unogona kutora mukana wezinga shoma musati matanho anotanga.
Asi kana zvirongwa zvichishandurwa uye iwe ukachengetedza chikwereti, urongwa hunogona kudzorera.
Kubhadharwa: Unogona kuderedza ngozi yako nekuita zvikwereti zvakawedzerwa-zvinyorwa uye kudarika chikwereti chako chinodiwa pamwedzi. Kana iwe uchibhadhara pasi chikwereti chako chechikwereti nokukurumidza zvakakwana, unogona kukwanisa kubhadhara mitero yakakwirira nekudzivisa kukanganisa kukuru kwekubhadhara.
Low rates: Kana zvikwereti zvichiri kuiswa kana kutsika zvakaderera, iwe uchabatsirwa nechezasi yekutanga kutengesa pamusoro penguva refu. Asi kufanotaura nezveramangwana zvakaoma, saka ita chirongwa chokuchengetedza kana zvikwira.
Maitiro Avanoita
Zvikwereti zvakasvibiswa zvinotanga nechiyero chiri pasi kudarika chenguva yemakore makumi matatu nemasere akatengesa, asi mutengo unogona kuchinja mushure memakore akawanda. Vatengesi vanowanzoisa mukana wekuti mutengo wako unoshanduka sei gore rose uye pamusoro pehupenyu hwechikwereti, kupa hudziviriro kana zvikwereti zvichikwira zvinoshamisa.
Muenzaniso: Fungidzira chikwereti chemari ye $ 200,000.
- Imakore makumi matatu nematatu yakatarwa mutengo wekutengesa ine chido chekuda kwe425 muzana ichabhadhara pamwedzi we $ 983.88 (dzidza kuti ungaverenga sei mwedzi yemari , kana kushandisa shanduro yekuti iwe uite saizvozvo). Kubhadhara kwemwedzi kwega kwega hakugoni kuchinja.
- A ARM 5/1 neine chiyero chekuda kwe 3.4 kubva muzana inotanga nemubhadharo wemwedzi we $ 886.96-kuchengetwa kwe $ 96.92 pamwedzi. Mushure memakore mashanu, chikwereti chekuda uye mwedzi wemwedzi unogona kuwedzera kana kuderera.
Fixed period: ARM yeHybridi inowanzoshandisa chiyero chakatarwa kwemaawa matatu, mashanu, manomwe, kana gumi. Munguva iyoyo, yako yekutanga kufarira mari uye mwedzi pamwedzi zvinowanikwa zvakafanana. Paunotsvaga zvikwereti zvisingabhengi, nhamba yekutanga inotsanangurwa inokuudza kuti nguva yakatarwa inotora nguva yakareba sei.
Kushandisa ARM ye5/1 inotsanangurwa pamusoro apa, mutengo unoramba uri wakafanana kwemakore mashanu ekutanga. A 10/1 mari yekutengesa mari yakachengetedza yaizochengetedza chiyero chekutanga kwemakore gumi.
Nguva yekugadziriswa: Mushure mokunge nguva yakatarwa ipera, chikwereti chechibereko chinogona kuchinja, uye nhamba yechipiri muzita rechikwereti inokuudza kuti kakawanda zvinoitika sei. A ARM 5/1 inogona kugadzirisa gore rimwe chete (rimwe chete) nokuda kwoupenyu husara hwechikwereti.
Mwedzi unobhadhara: Kana chikwata chekufarira chichichinja, mutero wako wemwedzi unozochinja. Mari yekubhadhara inotarirwa kubhadhara chikwereti chako-uye kuvhara mitero yekufarira-pamusoro pehupenyu husara hwechikwereti chako . Kuwedzera kwekuda mari kunoda kuwedzera kwepamusoro pamwedzi, uye izvi zvinowanzotadza kushamisika kune vakwereta. Asi mutengo unogonawo kuwira.
Mafambisi Akachinja Sei?
Zvinhu zviviri zvakakosha zvinokonzera chiyero chako. Mutengi wako anotanga nehuwandu hwekutsanangura, uye anowedzera kupararira.
Indekisi: Benchmarks nemari yezvikwereti muhupfumi hukuru hunochinja huwandu hunochinja. Imari yemari yakasanganiswa yakabatanidzwa kune nhamba, iyo inopa kutanga kwezinga rako. Somuenzaniso, chikwereti chako chingashandisa London Interbank Offer (LIBOR) sehurukuro. Sezvo iyo yero inofambisa uye ichidzika, chikwereti chako chemari chikakwanisa kufamba pamwe chete nacho.
Kupararira: Vatengesi vanowedzera mari inozivikanwa se "kupararira" kana kuti "margin" kuti asvike pachikwata chako chokupedzisira. Iyi inowedzera kubhadhara mari inowedzera kupa mari kune vakweretesa.
Muenzaniso: Fungidzira iwe une chikwereti cheshudhiro chiri mukugadzirisa nguva. Libor yegore 1 iripo 2 muzana. Kupararira kune chikwereti chako kuri 2.25 muzana. Chikwereti chako chechikwereti chichatsanangurira 4.25 muzana (2 muzana uye 2.25 muzana).
Tora mavharesi: Zvikwereti zvakawanda zvinoshandiswa zvinogadzirisa kana "chikwata" mari yakawanda inogona kuchinja. Izvi zvinotapudza ngozi kune vanokwereta nekudzivirira kuwedzera kwemiganhu kuwedzera.
- Pakutanga zvigadziri zvinogadzirisa kuti mari yako inogona kuchinja sei pakugadzirisa kwako kokutanga mushure mokunge wapedza nguva yakatarwa. Semuenzaniso, kana nhamba yacho inofamba ne3 muzana asi iwe une 2% yekutanga kapu, yako yezinga inongotora 2 muzana.
- Periodic caps inogumira kushandiswa kwemazinga ekuchinja kwese mukana. Semuenzaniso, mutengo ungakwanisa kuchinja kwete kupfuura 2 muzana gore roga roga.
- Upenyu hwehupenyu hwose hwakagadzirisa chikamu chikuru pamararamiro ose pamusoro pehupenyu hwechikwereti chako. Kana zvikwereti zvichikwira kushaya iyo chikwata mushure mekugadzirisa zvishomanana, maitirwo haazowedzere kuenda mberi.
Imari yemari yakawanikwa inowanika kubva kune vakakweretesa, uye iwe unogonawo kushandisa zvirongwa zvehurumende zvakadai seFHA uye VA zvikwereti kuti zvive nyore kukodzera. Zvikwereti zvinotsigirwa nehurumende zvinogona kunge zvakanakisisa kana iwe uronga kuita mari shoma shoma kana iwe une nyaya mukwereti yako, asi usakanganwa zvikwereti zvinokodzera.
Kana chikwereti chako chichida kukurudzira, iwe unogona kubatsirwa kubva kumatengo akaderera mumakore ekutanga ehomwe yehutengi, uye yako ye-nguva yekubhadhara inofanira kubatsira kubatsiridza chikwereti chako . Kunyange zvakadaro, kukodzera kwezinga rakanaka mumugwagwa hauna kumbobvumirwa-kunyanya kana zvikwereti zvichikwira zvakanyanya.