Unogona kuchengetedza mari, asi unogona kuita kuti zvinhu zviwedzere
Refinance kuchengetedza mari
Sei iwe uchida kutsvaga?
Iwe unogona kukwanisa kuchengetedza mari yakawanda, uye iyo ndiyo inowanzo chikonzero chakanakisisa chokugadzirisa.
Kunyanya, kugadziridza kunogona kukubvumira kushandisa mari shoma mukufarira pamusoro pehupenyu hwechikwereti chako. Kune nzira dzakawanda dzekuderedza kufarira mari:
- Tsanangurira kune chidimbu chechikwereti chepasi kuitira kuti iwe ubhadhe zvishoma pane chikwereti chako .
- Shandura kune imwe nguva shomanana yemukwereti, kunyange iyo inoreva kurema kwepamwedzi pamwedzi, saka iwe unobhadhara chikwereti kwemakore mashomanana.
- Itai kuti zvikwereti zvikwereti-zvikwereti zvikwereti muzvikwereti zviduku.
Nenzira yakanaka, pane nzira yekuziva kana iwe uchachengetedza mari: Mhanya nhamba. Hazvisi zvakanyanya kuoma kuti uverenge mari inogona kuwanikwa yekugadzirisa . Zvisinei, kunyange uchideredza nguva yako yehupenyu yekuda mari ndeyekuchenjera, kugadziridza nechinangwa ichocho hachisi nguva dzose chisarudzo chakanaka.
Kuchinja chikwereti. Urongwa hwechitatu hunoratidzwa pamusoro apa-kusimbisa huwandu hwemari-chikwereti chekwereti-hahuna chokwadi. Kana iwe uchigadzirisa zvikwereti zvisina kuchengeteka zvine chikwereti chakachengetedzwa, uri kutora dambudziko rakawedzerwa.
Semuenzaniso, unogona kushandisa chikwereti chekuwana chikwereti kuti ubhadhara chikwereti chikwereti chikwereti. Hungu, iwe uchabhadhara chikwereti nechokuderera kwechibereko, asi iwe unoisawo imba yako pangozi. Kana iwe usina kukweretesa pachikwereti chekwereti chikwereti, hazvigoneki kuti kambani yekadhi yemakadhi inogona kutarisa pamba pako. Asi kana uchinge waita imba yako sechisimbiso kuburikidza uchishandisa chikwereti chekwereti, imba yako yakanaka.
Zvikamu zvezasi. Mutero wakaderera unowanzoshandiswa sechikonzero chokugadzirisa. Kunyange zvingava zvakanaka kubhadhara zvishoma mwedzi mumwe nomumwe, iva nechokwadi chekutarisa mufananidzo mukuru. Kuwedzera chikwereti (kutanga chikwereti chitsva chemakore makumi matatu nemakore gumi chete pawakasara, somuenzaniso) kunogona kuwedzera huwandu hwekufarira iwe unobhadhara pahupenyu hwako. Kuti unzwisise chikonzero nei, shandisa chikwata chekugadzirisa chinoratidza kuti unofarira kubhadharwa nei imwe neimwe yekubhadhara kwemwedzi. Pamusoro pechikwereti chemazuva mazhinji kwenguva refu, kubhadhara mumakore okutanga kungoita kuti hove duku mubhadharo yako chikwereti.
Kuchinja kune rimwe rinogadziriswa mari yekubhadhara mari (ARM) imwe nzira yekuderedza mari yako. Zvisinei, chiyero chezvikwereti pazvikwereti izvi zvinogona kuwedzera, uye rimwe rebhadharo yako rimwe zuva rinokwira kune rimwe risina kukwana. Iwe unofanirwa kugadzirisa muAARM chete kana iwe uchida uye unogona kutora mungozi yepamusoro pamwedzi kubhadhara pasi mumugwagwa.
Zvimwe Zvikonzero Zvokugadziridza
Iwe unotoziva kuti iwe unofanira kufungisisa apo iwe unogona kuchengetedza mari, asi zvakadini nezveimwe nzira?
Kuderedza ngozi. Kudzokorora kunogona kuva pfungwa yakanaka kunyange kana iwe usingawani mutengo wakaderera kana chikwereti chemazuva mashoma pane dzimwe nguva. Semuenzaniso, iwe unogona kugadzirisa kubva kunze kweAARM. Kana iwe unonetseka pamusoro pekuda kwekuwedzera kwekuda kwekuwedzera mune ramangwana, kufungira mune imwe yakagadzirirwa-kutengesa mari inokupa chokwadi-kunyange zvazvo kubhadhara kwemazuva ose kwemazuva (uye chikwata chekushaya mari) chakakwirira.
Ongorora mazamu ezvino pamitengo yakatarwa yezvikwereti, zvatinotarisira pakuchinja kwehuwandu, uye zvingaita kuti ARM yako iripo ichinje.
Chikwereti chechikwereti. Iwe unogonawo kutora mari kuti uwirirane nepamusoro-kubhadhara-madhora, asi yeuka kuti iwe ungaguma uchitora ngozi yakawanda kupfuura iwe yaimbova nayo. Izvo zvakati, kana iwe uine chirongwa chakasimba chokubvisa zvikwereti zvinotyisa, urongwa hunogona kushanda. Kana chirongwa chacho chikakundikana, unogona kutarisana nemukana wekurasikirwa neimba yako mukutaridzika kana kuti motokari yako ichitsvaga .
Kuisa mari yako munguva yemberi. Vamwe varidzi vepamba vanoshandisa mari-kunze yekugadzirisa kubhadhara dzidzo, kuvandudza imba, kana kutanga bhizinesi. Kunyange zvazvo izvo zvishandise zviri nani kudarika kubhadhara mazororo anodhura kana kushandiswa kushandiswa, urongwa hunogona kukuisa panzvimbo yakaipisisa kupfuura iwe pakutanga.
Zvaunofanira Kuchenjerera
Kana uri kufunga kuti inguva yekugadzirisa, tsvaga zvinotevera:
- Kuvhara mari . Iko mari inowedzera kubhadhara chikwereti chenyu, uye vanogona kubvisa chero zvakakosha kubva mukuderedza chikwereti chenharaunda yako. Zviri kuedza kupedzisa mari iyo mubhadharo yemari , asi zvingava zviri nani kubhadhara muhomwe.
- Kubhadharwa kwekubhadhara kwekwereti kwaunenge uchitora mari.
- Kana imba yako yakarashika kukosha, iwe unoda here kuwedzera pamba mortgage inshuwarisi (PMI)?
- Kana iwe uchigadzirisa, iwe unogona kutora chikwereti chisina kubhadhara muchikwereti chikwereti . Kana iwe ukaita izvozvo, unogona kuzarura dambudziko rekweretesa yako idzva kugadzirisa mubairo wako uye kutora chimwe chiito chinopesana newe kana iwe uchifamba kuburikidza nekufananirwa.
- Imba yekuenzanisa inogona kuchinja. Kana iwe ukatora mari kana kuwedzera zvikwereti zvekuvhara zvikwereti kune chikwereti chako chechikwereti, iwe uchaderedza chikamu chako chekuenzanisa muimba yako . Zvisinei, kana iwe ukangotora chikwereti chimwe nechimwe chikwereti chemasikirwo akaenzana, kuenzana kwako kunoramba kuchifanana.
Usati wanyatsogadzirisa, ita chikonzero chekutanga chekuongorora . Iwe uchave uchida kubhadhara mari yekuvhara, saka unoda kuziva zvakajeka kuti sei uye sei iwe uchadzorera iyo mari uye kuti ichaita sei kuti mari yako iende mberi. Yeuka kuti kana iwe usingabhadhara mari yekuvhara, iwe unopedzisira uine chikwata chapamusoro.
Panzvimbo yeRefinancing
Dzimwe nguva kufungisisa haisi yako yakanakisisa-kana kuti hazvigoneki.
Iwe unogona kuwana zvimwe zvezvibatsiro zvekunatsiridza kunze kwekufamba nenzira. Somuenzaniso, kana iwe uchida kuchengetedza pane zvekutora mari, iwe unogona kubhadhara kupfuura zvishoma zvinoda mwedzi mumwe nomumwe. Iwe uchabvisa chikwereti kare, uye iwe uchapedza zvishoma uchitsvaga pamusoro pehupenyu hwako.