Iwe Unofanirwa Kudzokorora Here Kana Matengo Ari Muduku?
Pakupedzisira, chii chinofanira kuderera chidimbu chechibereko iwe? Muchikamu chino, tichakurukurirana nezvekutora chikwereti chinofanira kufungisisa munguva dzekunze kutora chikwereti chekuda mari.
Nharaunda dzeNharaunda dzezasi uye Fixed Rate Mortgages
Kuderedzwa kwemari yezviwanikwa neFederal Reserve hakuiti kuti zvive zvakaderedzwa zvakaderedzwa zvezvikwereti zvakatarwa zvekutengesa mari . Izvi ndezvekuti hutano hwehutano, kwete huwandu hweHurumende, motokari yakagadzirirwa zvikwereti zvemari.
Iwe wakangodaro wakanzwa kuti zvinongonzwisisika kugadziridza mari yako yekubhadhara kana iyo mutsva wekuda kwekutora inenge zvikamu zviviri kubva muzana zvishoma kudarika yako parizvino. Kanganwa ichi chikamu chezano. Ingangodaro yakashanda mumazuva apo iwe unogona kungogamuchira makore makumi matatu nemasere ekubhadhara mari, asi haisi kushanda mumisika yemari yemazuva ano iyo pane zvakawanda zvingasarudzwa zvekubhadhara imba yako, kusanganisira yakagadziriswa mabheji nemazwi e15, 20, kana makore makumi matatu, mashanu nemanomwe emabhiriyoni zvikwereti, uye zvakasiyana-siyana zveAdjustable Rate Mortgages (ARMs).
Kunyange kana iwe usingakwanisi kuderedza kubhadhara kwako kwemwedzi nekugadzirisa, zvinogona kunge zvine musoro kunatsiridza kana iwe ukakwanisa kuchinja kusachengeteka kweA ARM kuitira kugadzikana kwehutengo hwakasarudzwa.
Marshall Loeb weBBCSMarketWatch.com anopa mazano ekukubatsira kusarudza kana iwe uchigadzirisa, mubhuku rake 52 Weeks to Financial Fitness .
Nharaunda dzeNharaunda dzeKubata uye Kuchinja Kwemari Mariji (ARMs)
Zvisingakanganwi kushandiswa kwechirongwa chekutengesa mari, kugadziriswa kwemari yekubhadhara mari inoshandiswa zvakanyanya nekushandurwa muHurumende mutengo nokuti aya marudzi ezvikwereti anotevera purogiramu yemazana emitengo, yakadai seHarare yehurumende (T-bill) yemari, iyo inotevera Dhigirii reMari.
Asi rini ARM inonzwisisa? Kana uri kuronga kugara muimba kwemakore mashomanana uye iwe unogona kuwana ARM yepamusoro zvishoma kudarika imwe yakasara yekutengesa mari, unogona kubuda mberi nekuenda kuA ARM. Chirongwa chinogadziriswa chechigodhi chinowanzonziwo nevanhu vanogona kunge vakaomerwa kukwanisa kubhadhara chikwereti pane zvakaderedzwa zvikwereti. Hondo yeA ARM iri pasi inoderedza kubhadhara kwayo kwepamwedzi, zvichiita kuti zvive nyore kwavari kuti vakwane chikwereti panzvimbo yekutanga.
Kana, kune rumwe rutivi, iwe uchitova neAAR uye iwe unoronga kugara mumba mako kwenguva yakareba, funga kuvhara mukati mazuva ano anonakidza akatengesa mari.
Nharaunda dzeNharaunda dzezasi uye Imba yekutengesa Imari
Musha wekukweretwa kwemari inotora chikwereti ichi, saka ivo vanopinda zvakananga nehuwandu hweFed huwandu hunowedzera uye huchiderera, kunyange zvazvo huri hwakakwirira nguva dzose kupfuura huwandu hwekutengesa mari.
Kana zvikwereti zviduku zvakaderera, inguva yakanakisisa yekutora chikwereti chekuwana chikwereti (asi kwete kunyanya imba yekuenzanisa chikwereti chekwereti, chinoshanda zvakasiyana). Asi iwe unofanirwa kuva wakangwarira paunenge uchitarisa chikwereti chekodzero yeimba uye kungotora imwe kunze kana inonzwisisika mari.
Kuita Chisarudzo chekudzorerazve
Kana ukasarudza kugadzirisa, tanga usangana nekweretesi yako yezvino kuti uone kana iwe unogona kutaurirana navo kuti urege zvimwe zvekuvhara mari.
Kana izvi zvisingashande, unogona kudana vatengesi vekuda kuti uwane ruzivo. Nhasi, nzira yakanakisisa yekutsvaga uye kuenzanisa mari yekuita mari ndeyekuita paIndaneti pane imwe nzvimbo dzewebsite dzakawanda dzinopa hurumende iyi, yakadai se quickenloans.com, kana bankrate.com, kuti ichiti vashomanana chete. Nhamba dzakawanda dzekutengeserana dzepaIndaneti dzichakubvumirawo kukumbira mvumo iri paIndaneti.
Kana zvikwereti zvakaderera uye uri mumusika wepasi rekutengesa mari, usazeza kuongorora kana iwe unogona kuchengetedza mari nekugadzirisa.