Nzira Yokutenga Nayo Pasi Chechikwereti

Kutengeswa kwemari kunotapudza mari yako yepamwedzi

Kune vakawanda vakwereta , kutenga mari inotora chikwereti kunogona kuva yakakosha kudarika chikwereti chinogadziriswa nehomwe yekubhadhara iyo inobvumira kushandiswa kwemaitiro asina kunaka seArm option . Mortgage buydowns nguva dzose inosanganisira gurukota uye kufarira muvatengi 'pamwedzi kubhadhara. Izvi zvinoreva nguva dzose kana vagari vomunharaunda vachiita mari yekubhadhara mari, zvikwereti zvavo zvezvikwereti zvinokura zviduku pane kuwedzera. Chidiki chekutenga chikwereti chinoreva kuti kuenzana kuri kukura, kunyange kana kuonga kuri kuderera.

Common Mortgage Buydown Features

Mortgage buydowns inoshanda seiyi:

• Mitsara inoderedzwa uye inofungidzirwa kune chidimbu chechibereko chepamusoro pane imwe nguva.
• Misiyano iri pakati pe "chaiyo" nyaya yepamusoro uye iyo inoderedzwa chikwata chekuda inobhadharwa nemari kune mutengesi kana mutengi.
• Funga nezvazvo sebhasiro. Zvakafanana nokuchenesa $ 1200 mubhangi uye kubvisa $ 100 mwedzi mumwe nomumwe kwemwedzi gumi nemaviri kuti ubatsire kuita mari yako yokubhadhara mari.

3-2-1 Mortgage Buydown

• Uyu ndiwo makore makumi matatu nemazana akazara mahedheni .
• Inhara yekutambira inowedzera ne1 muzana gore negore kwemakore matatu ekutanga.
• Zvadaro, chikwata chekufarira chinogadzirirwa kwemashoko anotevera.

Semuenzaniso, taura kuti chikwereti chako chikwereti cha $ 350,000 uye chikwereti chinowanikwa chinokwana 6.75 muzana kwemakore makumi matatu. Mutengesi (kana iwe) aigona "kutenga" chikwereti chekuda nekubhadhara chikwereti che $ 15,853. Izvi ndizvo zvinoshanda:

1. Mutengo wekutanga wegore rokutanga ndewe 3.75 muzana inotambirwa pa $ 1,621 pamwedzi.

1. Chirongwa chegore rechipiri chikwata chikamu 4.75 muzana chinotambirwa pa $ 1,826 pamwedzi.
2. Mutengo wegore rechitatu ndewe 5.75 muzana inobhadhara pa $ 2,043 pamwedzi.
3. Makore makumi mana kusvika ku30 anotakura chikwereti chinokwana 6.75 muzana chinotambirwa pa $ 2 270 pamwedzi.

Semagumo:

• Kuchengetwa kwegore rokutanga (sekuenzaniswa ne $ 2 270 pamwedzi) kune $ 649 pamwedzi kana $ 7 790.

• Kuchengetwa kwegore rechipiri (zvichienzaniswa ne $ 2 270 pamwedzi) kune $ 444 pamwedzi kana $ 6 332.
• Kuchengetwa kwegore rechitatu (sekuenzanisa ne $ 2 270 pamwedzi) kune $ 228 pamwedzi kana $ 2,731.

Wedzerai mari yegore negore: $ 7 790 + $ 6,332 + $ 2,731 = $ 15,853. Nokudaro, zvinodhura madhora 15,853 kutenga chikwereti chechibereko uye kubhadhara kwemakore matatu azere.

3-2-1 Mortgage Buydown Makomborero

• Anokwereta anokweretesa chikwereti ichi pa 3.75 muzana yekutambira mubhadharo uye kubhadhara mari ye $ 1,670 zvichienderana nenhamba chaiyo ye 6.75 muzana uye kubhadhara $ 2 270.
• Panzvimbo yekubhadhara kubvumira zvose kamwechete, zvinokwira mumaduku maduku, anenge $ 200 gore negore, kwemakore matatu ekutanga.
• Iyo inochengetedza zvikwereti zvishoma kwemwedzi makumi matatu nemasere ekubhadhara avo vane mari inotarisirwa kuti iwedzere kuwedzera. Zvichida mumwe wako ari kudzokera kubasa mushure me hiatus kana munhu anotarisira kupedza uye awana basa rakapedzisira kuribhadhara neyoyo ichangobva kuwana.

2-1 Kutenga Mortgage

• Uyu ndiwo makore makumi matatu nemazana akazara amortized mortgage.
• Inhara yekutora inowedzera 1 muzana gore negore kwemakore maviri ekutanga.
• Zvadaro chikwereti chekufarira chinogadzirirwa kwemashoko anotevera.

Semuenzaniso, taura kuti chikwereti chako chikwereti cha $ 350,000 uye chikwereti chinowanikwa chinokwana 6.75 muzana kwemakore makumi matatu. Mutengesi (kana iwe) aigona "kutenga" chikwereti chekuda nekubhadhara chikwereti che $ 8,063.

Izvi ndizvo zvinoshanda:

1. Mutengo wekutanga wegore rokutanga ndewe 4.75 muzana inotambirwa pa $ 1,826 pamwedzi.
2. Chirongwa chegore rechipiri chikwata chezvikamu 5.75 kubva pamitengo inobhadhara pa $ 2,043 pamwedzi.
3. Makore matatu kusvika kune makumi matatu anotakura chikwereti chezvikamu 6.75 kubva pamitengo inokwana $ 2 270 pamwedzi.

Semagumo:

• Kuchengetwa kwegore rokutanga (sekuenzaniswa ne $ 2 270 pamwedzi) kune $ 444 pamwedzi kana $ 6 332.
• Kuchengetwa kwegore rechipiri (sekuenzaniswa ne $ 2 270 pamwedzi) kune $ 228 pamwedzi kana $ 2,731.

Wedzerai mari yegore negore: $ 6 332 + $ 2,731 = $ 8,063. Nokudaro, zvinodhura madhora 8,063 kutenga chikwereti chezvibereko uye kubhadhara kwemakore maviri azere.

Permanent Mortgage Buydowns

A permanent mortgage buydown inowanikwa apo iwe unotenga pasi chibereko chechibereko paunotanga kuburikidza nekubhadhara chikwereti chemari. Vazhinji vatengi havadi kutora mari muhomwe kuti vatenge pasi, asi dzimwe nguva inonzwisisika.

Uyewo, fungidzira mutengesi ari kubhadhara mari yekuvhara chikwereti che4% kune mutengi, uye mari yekuvhara kwevatengi inokwana 2 muzana. Shandisai 2% yemari yechikwereti kutenga chikwereti chechibereko!

Cherechedza: Vatengesi vanowanzoda mari yepamusoro yekutengesa 3-2-1 Kutenga uye zvishoma kudarika 2-1 Kugadziriswa. Kune dzimwe mhando dzekutora mari yekubhadhara kutenga, asi aya maviri ndiwo anozivikanwa zvikuru.

Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.