Nzira Yokuverenga Mari Yenyu Yokubhadhara: Fixed, Variable, uye More

Kuverenga uye mahwendefa epa Free

Kunzwisisa chikwereti chako chinokubatsira kuti uite sarudzo dziri nani pane zvemari. Panzvimbo pokungovimba netsika dzakanakisisa, inobhadhara kutarisa nhamba dziri shure kwechikwereti chipi zvacho-kunyanya chikwereti chakakosha sekwereti yemusha.

Kuti uverenge chikwereti, iwe unoda zvimwe zvishoma pamusoro pekwereti. Zvadaro, unogona kuzviita zvose noruoko kana kushandisa shanduro dzekutsvaga dzepaIndaneti uye mahwendefa ekuderedza nhamba.

Vanhu vakawanda vanofunga nezvekubhadhara kwemwedzi, asi pane zvimwe zvinhu zvinokosha zvaunoda kuteerera.

Ichi chinyorwa chinokuratidza iwe:

• Nzira yekuverenga mari yekubhadhara kwemwedzi yakasiyana-siyana yakakwereta kumusha.
• Iwe unobhadhara mari yakawanda sei mwedzi mumwe nomumwe, uye pamusoro pehupenyu hwechikwereti.
• Kunyangwe iwe unobhadhara zvakadini-kana kuti yakawanda yeimba yako iwe pachako iwe pachako pane imwe nguva ipi zvayo.

The Inputs

Tanga nzira yacho nekuunganidza ruzivo rwunoda kuverenga kubhadhara kwako uye zvimwe zvikamu zvechikwereti. Unoda zvinotevera:

• Mari yechikwereti kana kuti "mukuru" Iyi ndiyo mutengo wokutenga pamba, kubvisa chero kubhadhara mari, kunyange zvazvo zvimwe zvikwereti zvingawedzerwa kune chikwereti.
• Chirwere chechikwereti pane chikwereti. Izvi hazvirevi kuti APR , iyo inosanganisira kusvitsa mari .
• Nhamba yemakore yaunofanira kudzorera, inozivikanwawo sezwi
• Rudzi rwechikwereti : yakagadzirirwa-chiyero, kufarira-chete, kugadziriswa, nezvimwewo.
• Kukosha kwemusika weimba
• Mari yaunowana pamwedzi

Kuverenga Kwemari Yakasiyana

Iko kuverenga kwaunoshandisa kunobva pane rudzi rwechikwereti chaunazvo.

Zvikwereti zvizhinji zvemusha zvakagadzirirwa-pwere yemari . Semuenzaniso, mitemo yemakore makumi matatu nemakore kana gumi nemakore gumi nemashanu yakachengetedza chikwereti chakafanana chekuda uye mutero wemwedzi wehupenyu hwechikwereti.

Nezvikwereti izvi, chirevo chacho ndechekuti:

Mari Yokubhadharwa = Chikwata / Chikwata Chokuratidza
kana
P = A / D

Iwe uchashandisa zvinotevera:

• Nhamba yePeriodic Payments ( n ) = Mishongero gore rimwe gore nhamba yemakore

• Periodic Interest Rate ( i ) = Gore rega rega rakagoverwa nhamba yebhadharo yega yega
• Chinhu Chinokosha ( D ) = {[(1 + i) ^ n] - 1} / [i (1 + i) ^ n]

Muenzaniso: Ngatiti iwe unokwereta $ 100,000 pa 6 muzana kwemakore makumi matatu, kuti ubhadhe mwedzi mumwe nomumwe. Ndechipi chikwereti chemwedzi ( P )? Kubhadhara kwemwedzi kune $ 599.55.

• n = 360 (makore makumi matatu nemakumi maviri nemaviri 12 pamwedzi pamwedzi)
• i =. 005 (6 muzana gore negore akarondedzerwa se00, akaparadzaniswa nemwedzi gumi nemaviri kubhadhara gore.) Kuti uwane mamwe mashoko, ona kuti ungashandura sei mapeji kusvika pakuwedzerwa mafaira )
• D = 166.7916 ({[(1 + .005) ^ 360] - 1} / [.005 (1 + .005) ^ 360])
• P = A / D = 100,000 / 166.7916 = 599.55

Chengetedza mathemati ako neHome Amortization Calculator spreadsheet.

Unobhadhara Zvii Zvakanyanya?

Mari yako yekubhadhara chikwereti ichikosha, asi iwe unodawo kuziva kuti iwe unorasikirwa nehuwandu hwemwedzi wega wega. Chikamu chebhadharo yemwedzi mumwe nomumwe chinotarisa kune chaunoda mari, uye yakasara inobhadhara chikwereti chako. Cherechedza kuti iwe unogonawo kuva nemitero uye inshurensi inowanikwa mubhadharo rako pamwedzi, asi izvozvo zvakasiyana nemari yako yekuverenga.

Imwe tafura yekushambadzira inogona kuratidza iwe -mwedzi-ne-mwedzi-chaizvoizvo zvinoitika nebhadharo rimwe nerimwe. Iwe unogona kugadzira zvinyorwa zvatafura nemaoko, kana kushandisa shanduro yekusununguka iri muIndaneti uye spreadsheet kuti uite basa rako.

Tarisa uone kuti iwe unofarira zvakadini iwe hupenyu hwechikwereti chako. Nezvo ruzivo, unogona kusarudza kana uchida kuchengetedza mari ne:

• Kukwereta zvishoma (nokusarudza imba isina kudhura kana kuti kuwedzera kubhadharwa)
• Kubhadhara kudarika mwedzi mumwe nomumwe
• Kuwana chikamu chechibereko chepasi
• Kusarudza chikwereti chemazuva mashoma (makore 15 panzvimbo pemakore makumi matatu, somuenzaniso)

Chikwereti-Chete Chikwereti Chekubhadhara Kuverenga Fomu

Chikwereti-chega chikwereti chakanyanya nyore kuverenga. Kana zviri nani kana zvakanyanya, iwe haubhadhari kubhadhara chikwereti nebhadharo rimwe nerimwe rinodiwa. Zvisinei, iwe unogona kunyanya kubhadhara mwedzi mumwe nomumwe kana uchida kuderedza chikwereti chako.

Muenzaniso: Funga kuti iwe unokwereta $ 100,000 pa 6 kubva muzana, uchishandisa chikwereti chechido-chega pamwedzi unobhadhara. Chii chiripo kubhadhara ( P )? Kubhadhara kuri $ 500.

Mari yekubhadharwa = Nhamba x (Nhamba yeUkwereti / 12)
kana
P = A xi

P = $ 100,000 x (.06 / 12)

P = $ 500

Tarisa mathemati ako neA Interest Only Calculator pane Google Sheets.

Mumuenzaniso wepamusoro, kubhadhara-kubhadhara chete kuri $ 500, uye icharamba yakafanana kusvikira:

1. Iwe unowedzera zvikwereti, pamusoro nepamusoro pebhadharo shoma inodiwa. Kuita izvi kuchaderedza chikwereti chako chekukweretesa, asi iwe unoda kubhadhara haugone kuchinja pakarepo.
2. Mushure mechimwe chikwata chemakore, unofanirwa kutanga kutora kubhadhara mari yekubvisa chikwereti.
3. Chikwereti chako chingada kubhadhara kubhoti kuti ubhadhara chikwereti zvachose.

Chigadziriswa Chechipiri Chekubhadhara Imari Kuchengetedza

Zvigadziriswa-rates mortgages (ARMs) inoshandiswa nemitengo inogona kuchinja, zvichiita kuti mubhadharo mutsva wemwedzi. Kuti uverenge mubhadharo iwoyo:

1. Sarudza kuti mwedzi yakawanda sei kana kuti mari yako yakasara.
2. Gadzira purogiramu itsva yekugadzirisa nguva kwenguva refu yasara (ona kuti ungazviita sei ).
3. Shandisa chikwereti chakakosha chekwereti semari yezvikwereti zvitsva.
4. Pinda mu (itsva kana kuti ramangwana) chikwata chekuda.

Muenzaniso: Une chikwereti che -ARM chekubhadhara chikwereti che $ 100,000, uye kune makore gumi akasara pane chikwereti. Nharaunda yako yekutora inenge ichida kurongedza kusvika ku5 muzana. Chibhadharo chemwedzi chichave chei? Kubhadhara kuchava $ 1,060.66.

Ziva Kuti Wakawanda Sei (Equity)

Zvakakosha kuti unzwisise kuti yakawanda yeimba yako iwe ndeyako. Zvechokwadi, iwe unayo imba-asi kusvikira yabhadhara, wako chikwereti ane chido kana chivako panzvimbo yacho , saka hazvisi pachena-uye-pachena. Mari iyo inenge yako, inozivikanwa seimba yako yekuenzanisa , ndiyo imba yemari yekutengesa kudarika chero ipi zvayo yakakosha yemari yemari.

Iwe ungada kuverenga kuenzana kwako kwezvikonzero zvakawanda.

Chikwereti chako chekukweretesa (LTV) chakakosha nokuti vanokweretesa vanotarisa huwandu hwehuwandu hwavo vasati vabvumirana nezvikwereti. Kana iwe uchida kugadzirisa kana kuongorora kuti mukuru wako wekubhadhara unofanirwa kunge uri paimba yako inotevera, unoda kuziva chirongwa cheLVV.

Mucheka wako unokosha unobva pauwandu hweimba yako iwe chauri iwe pachako. Kuva neimba imwe yemadhora emadhora hazvikuiti zvakawanda kana iwe uine chikwereti che $ 999,000 pane imwe nzvimbo.

Iwe unogona kukwereta kumusha wako uchishandisa zvikwereti zvechipiri uye misha yekuenzanisa yemari yechikwata (HELOCs) . Vatengesi vanowanzofarira LTV pasi pe80 muzana kuti vabvumire chikwereti, asi vamwe vanokweretesa vanowedzera.

Unogona Kubhadhara Mari Yako Here?

Vatengesi vanowanzokupa chikwereti chakakura chavanokubvumirana nazvo nekushandisa maitiro avo kune chikwata chinogamuchirwa chikwereti kusvika kune mari . Zvisinei, iwe haufaniri kutora mari yakazara-uye inowanzova pfungwa yakanaka yekukwereta kudarika zvakanyanya kuwanikwa.

Iwe usati waita kuti uite zvikwereti kana kushanyira dzimba, tarisa purogiramu yako yegore negore uye usarudze kuti unonzwa wakasununguka sei kushandisa mari yekubhadhara chikwereti. Mushure mekunge maita chisarudzo, tanga kutaurirana kune vatengi uye kutarisa chikwereti-kusvika-kuwana mari. Kana iwe uchizviita nenzira imwe chete, unogona kutanga kutenga misha inodhura (uye iwe ungatotenga imwe-iyo inokanganisa bhajeti yako uye inosiya iwe unotambura kune zvinoshamisa). Zviri nani kutenga zvishomanana uye kunakidzwa nevamwe wiggle room pane kurwisana kuti uchengetedze nekubhadhara.

Dzidza zvakawanda nezvokuti ungakwereta sei usina kuenda .