Nhamba dzechido inenge ichiri pasi pasi, muchiitiko chekutaura. Inonyanya kuongorora Mortgage Bankers Association (MBA) inotsvaga mufananidzo wemakambani iye zvino, kuratidza chiyero chehuwandu hwehuwandu hwemashoko pamwe chete nehutano hunotarisirwa kuti uwane iyo mitengo.
Mutengo Wechikwereti | Avg. Nhamba | Points |
Makore makumi matatu (30) akasimbiswa (kufanana) | 4.25 | 0.36 |
30-year fixed (FHA) | 4.17 | 0.4 |
Makore makumi matatu anokwana (jumbo) | 4.13 | 0.21 |
Makore gumi nemashanu akachengetwa | 3.65 | 0.34 |
5/1 ARM | 3.4 | 0.73 |
Kuongorora kweMBA kunosanganisira data kubva ku75 muzana ye mortgage applications, uye inotanga kunaka kweballpark rates. Asi mashoko aya haatauri iwe zvaunogona kuwana-ndeyevakwereta vakasiyana uye nezvinhu zvakasiyana. Nzira chete yekuwana nayo yakanakisisa yekugadzirisa mitengo inowanikwa kwauri ndeyokuisa zviyero. Kana uine chikwereti chikuru , mari yakasimba, uye yakawanda yekuenzanisa, iwe unogona kuita zviri nani kudarika mitero iri pamusoro.
Tenga Pasi Pose Iri Rakanaka Refinance Mitengo
Dzimwe nguva kutengesa kunonakidza, asi izvozvo hazviwanzo mhaka kana zvasvika kune zvikwereti. Kunyange zvakadaro, unofanirwa kuwana mitsara yakawanda kubva kune dzimwe nzvimbo kuti uwane zvakanakisisa zvekunatsiridza mazinga. Bvunza mutero wega wega kuti awane chikwereti chekubhadhara chikwereti, iyo ndiyo nyanzvi yepamutemo inotarisirwa kukudza.
Zvitatu zvinyorwa zvinofanira kuva zvakakwana.
Tanga nekwereti yako iripo, shanyira bhenji romunharaunda kana chikwereti chekambani , uye chengetedza nevanotora chikwereti chakazvimirira. Hungu, zvinorwadza kupfurikidza nekugadzirisa pamwe nemumwe wavo, asi iwe umire kuchengetedza zviuru zvemadhora pamakore akawanda anotevera. Anenge ane chikwereti chimwe chete anofanira kunge achida kukwikwidzana nebhizimisi rako.
Iwe uchadzidza zvakawanda munguva yekuita, uye iwe uchanzwa kunzwa kuti chikwereti chii chakanakisisa chekugadzirisa.
Kutenga zvakapoteredza kunokosha. Zviziviso uye nharaunda dzenyika zvinogona kuita kuti iwe utange, asi iwe hauzozivi kuti chii chaunowanikwa kwauri kusvikira uchitaura nezvemashoko akadai sekwereti yako, mari, uye kuenzana.
Gadzirira Mari Yako
Kuti uchinatsirire mune zvakanakisa mazinga aripo, tora matanho ekuvandudza unotora chikwereti chako. Iwe unogona kutanga usati wazadza shanduro.
Tambanudza chikwereti chako: Tora ripoti risina mari uye uongorore chikoro chako chekwereti.
- Gadzira chero zvikanganiso zvinogona kukudzivirira kuti urege kugamuchirwa kune zvakanakisisa zvirongwa zviripo. Iwe unoda kuwana mukana unofanirwa.
- Chengetedza zvikwereti zvekadhi rechikwereti pasi, kunyange iwe uchibhadhara zvachose mwedzi woga woga. Zvichienderana nepo kana vatengi vachikweretesa chikwereti chako, kurema kwepamusoro kunogona kukuvadza mukana wako wekuwana zvakanakisisa.
Deredza chikwereti chako:
- Chengetedza zvikwereti pane zvikwereti-kusanganisira zvikwereti zvekwereti-uye kubhadhara zvimwe zvikwereti semari yezvikwereti nemari yako yega , kana zvichibvira. Izvi zvinoderedza chikwereti chaunokweretesa kune vamwe chikwereti mwedzi woga woga uye uvandudze chikwereti chako kune chekuwana . Zvakanaka ratios zvinoreva zvidimbu zviri nani.
- Dzivisa kutenga kukuru. Chikwereti chitsva chokutenga motokari (kana chimwe chinhu) chichakuvadza mari yako yekuverenga uye yako chikwereti .
Kuwedzera kumusha kutarisirwa: Zvinogona kugadziriswa nehutano mune imwe chete-nhamba, uye dzimwe hurongwa hurumende dzinobvumira kugadzirisa nehutano husina kunaka. Asi yakanakisa mari uye mapurogiramu embado anowanikwa kune vakwereta vane huwandu hwakaenzana. Kuunza kuenzana kwako kusvika pazana makumi maviri kana kupfuura kunowedzera mikana yaunowana iwe uye kuita kuti zvive nyore kukodzera mapurogiramu akaita sejumbo chikwereti . Sebhonasi, haufaniri kubhadhara chikwereti chemari yeruzhinji . Kana iwe uine mari iripo, bvunza wako chikwereti kana uchibhadhara chikwereti chako chinogona kukubatsira kuti uve nemari yakanaka.
Mari Inenge Yakaderera Mitengo
Chikoro chako chikoro uye ratios zvinoshandisa kukwanisa kwako kugadzirisa. Asi kana kuwana chikwereti chakanaka chikwata ndicho chinangwa chenyu chikuru, unogona kushandisa sarudzo dzekubhadhara dzinowedzera kuderedza mitero yako.
Edzai mazwi mashoma: Makore emakore makumi matatu nemasere akatengesa mari inotora chikwereti inoramba ichibhadhara pasi.
Asi zvikwereti zviduku zviduku zvinowanzova nezvidimbu zvakaderera, kunyange zvazvo zvinokonzera kukura kwepamwedzi pamwedzi .
- Zvikwereti zvemakore gumi nemashanu: Kubva muongororo yeMBA pamusoro apa, mutengo wegore wemakore gumi nemashanu ndeye 0,6 muzana pasi pasi pemutengo wemakore makumi matatu. Kubatanidzwa kwenguva shoma yekubhadhara uye yezinga rakaderera kunogona kukonzera kubhadhara kunakidza kwehupenyu pamusoro pehupenyu hwako.
- Zvigadziriswa-chiyero chezvikwereti (ARMs): Unogona kuwana kunyange kuderera kwemafuta ekugadzirisa neArm . Asi kana zvikwereti zvichikwira, mari yako yekubhadhara inogona kuenda navo , uye iwe unotarisana nepamusoro pamwedzi uye kubhadhara mari inowanikwa.
Funga nezvehurongwa hwehurumende: Nhamba yezvibereko inosungirirwa kune ngozi-pangozi yevateresi inoshandura muzinga rezasi kwauri. Hurumende-inotsigirwa zvikwereti zvinorinda zvikwereti zvinodzivirira vatengi, saka vanogona kubatsira zvikuru kana mune nyaya munhoroondo yako yechikwereti kana zvishoma zvishoma. Iwe haugoni kuwana mari yakaderera yezvikwereti kana iwe uchigadziriswa nemari yako yehurumende, asi iwe unowanzoita kuti uwane mvumo, uye uwandu hungave huri nani kune izvo zviripo nezvikwereti zvekare.
Bhadhara nzira yako: Zviri kuedza kusarudza zvikwereti nemari yakaderera yekuvhara (kana pasina mari yekuvhara ). Asi zvikwereti izvi hazvirevi kubhadhara kusununguka kwemari yekuvhara kunze kwe-muhomwe inokubvumira kuderedza chiyero chako uye chikwereti chako chemari. Mugumisiro? Iwe uchapedza zvishoma uchifarira mune makore anotevera. Iwe unogona kunyange kubhadharira kusarudzwa kwepurogiramu pfungwa kuti uwedzere kuderedza mukana wako-bvunza wako chikwereti zvaunosarudza. Kana iwe uchironga kuchengetedza chikwereti chako, iwe unonyanya kukoshesa kubhadhara kunze kwehomwe.