Nhema Nenhema Nezvokuda Mari chete
Ungada here kutora chikwereti-chega chekutenga? Izvo zvikwereti zvisingatombogadziri mubhadharo mukuru uye, pavanenge vachizadzisa imwe niche, haisi yevatengi vose. Zvinoreva kuti iwe uchagara uine chikwereti chakafanana chemari pasinei nemitero yakawanda yaunowana nokuti iwe uri kungobhadhara chido.
Kufarira-chete mari yekugadzirisa zvikwereti zvikwereti zvinochengetedzwa neimba yekutengesa uye inowanzova nesarudzo yekuita chikwereti chekufarira.
Iwe unogona kubhadhara zvakawanda asi vanhu vakawanda havaiti. Vanhu vanofarira kufarira-chete chete zvikwereti nekuti ndiyo nzira yekuderedza zvikuru mari yako yekubhadhara mari. Nhau dzemashepfenyuro dzinowanzoputsa chokwadi pamusoro pekufarira-chete mari yekugadzirisa mari, zvichiita kuti dzive dzakaipa kana zvikwereti zvinokuvadza, izvo zviri kure nechokwadi. Sezvo nemhando ipi zvayo yechiridhi chekubhadhara mari, pane zvakagadzikana uye zvakashata. Chido-chega mari yekutengesa haisi yezvakaipa mumoyo mavo.
Chii chinonyanya kufarira-Mortgage chete?
Nhauriro-chete yebhadharo haisati iri mukuru. Zvizhinji zvekufarira-chete zvikwereti zvinowanikwa mazuva ano zvinosarudzwa pane zvekufarira-chete mari yekubhadhara. Heano muenzaniso:
- $ 200,000 chikwereti, kutakura chikwereti pa 6.5%. Mari yekubhadhara mari yemakore makumi matatu nemakumi matatu ichaita $ 1,254 pamwedzi, ine huru uye inofarira.
- Chido chekubhadhara chete $ 1,083.
- Kusiyana pakati pebhadharo yeP & I uye kubhadhara chikwereti ndeye kuchengetedza $ 170 pamwedzi.
Kufarira Kwazvo-Chete Zvikwereti
Inonyanya kufarira-inongova zvikwereti zvekare zvisingabvumiri vateresi kuti vaite chikwereti-kufarira chete nokusingaperi.
Kazhinji, nguva iyo nguva inogumira kumakore mashanu kana gumi ekukwereta. Mushure menguva iyoyo, chikwereti chacho chakasungirirwa kwemasara acho. Izvi zvinoreva kuti zvikwereti zvinokwira kusvika kune chikwereti chakaitwa asi chikwereti chikwereti hachina kuwedzerwa. Zvikwereti zviviri zvakakurumbira ndezvi:
- Chikwereti chemakore makumi matatu. Iro sarudzo yekuita chido chekufarira-chete ndeyemwedzi 60 yekutanga. Pane chikwereti chemadhora mazana maviri nemazana maviri nemashanu (6 000) chikwereti pa6,5%, uyo akwereta ane kodzero yekubhadhara $ 1,083 pamwedzi chero nguva mukati memakore mashanu ekutanga. Kwemakore 6 kusvika ku30, kubhadhara kuchava $ 1,264.
- Chikwereti chemakore makumi mana. Iro sarudzo yekuita mhindu-inongorori chete ndeyemwedzi 120 yekutanga. Pane chikwereti chemadhora mazana maviri nemakumi maviri nematanhatu (6,5%), chikwereti chinogona kusarudzwa kwemakore gumi ekubhadhara chikwereti chekuda-chega mumwedzi chero ipi zvayo. Kwemakore 11 kusvika ku40, kubhadhara kuchava $ 1,264.
Nzira Yokuenzanisa Nayo Kufarira-Kwokubhadhara Chete
Zviri nyore kuverenga chikwereti chido . Tora chikwereti chisina kubhadharwa chemari ye $ 200,000 uye uwedzere iyo nehuwandu hwechikwereti . Muchiitiko ichi, chiyero chiri 6.5%. Nhamba iyoyo ine $ 13,000 inofarira, iyo inowanikwa gore negore rekufarira. Gurai $ 13,000 nemwedzi gumi nemaviri, iyo ichaenzanisa chikwereti chako chemwedzi uye $ 1,083.
Ndiani Aizotora Chido-Imba Chete Chete?
Chido-chega mari yekutengesa inobatsira vatengi vatengesi vekutanga . Vakawanda vatsva vedzimba vanoedza kurwisana mukati megore rokutanga rehudziro nokuti havajai kubhadhara chikwereti chekubhadhara mari, iyo inowanzokwirira kupfuura mari yekubhadhara.
Chido-chete chekutora chikwereti hachirevi kuti muridzi weimba abhadhara chikwereti chaanofarira-chete. Chinoita ndechokupa akakwereta OPTION kubhadhara chikwereti chakaderera mumakore ekutanga emutero. Kana muridzi wemba akatarisana nemutemo usingatarisirwi - taura, mvura inopisa inofanira kuchinjwa - iyo inogona kutengesa muridzi we $ 500 kana kupfuura.
Nokushandisa sarudzo mwedzi iwoyo kubhadhara chikwereti chakaderera, chisarudzo ichocho chinogona kubatsira kuenzanisa bhajeti yemwene weimba.
Vatengi vane mari inoshandiswa pamusana pekuwana mishoni, somuenzaniso, panzvimbo yemari yepamusoro, vanobatsirwawo nechido-chega chekutenga chikwereti. Vaya vanokwereta vanowanzobhadhara chikwereti-mubhadharo chete mumwedzi miviri uye vachibhadhara zvakanyanya kune mukuru mukuru apo mabhonasi kana mapeji anogamuchirwa.
Ndezvipi Zvakawanda Zvaunofarira-Zvikwereti Zvokubhadhara chete Zvinodiwa?
Nokuti vanowanzopa chikwereti havawanzoiti chero chinhu chakanaka, mutengo wekufarira-kungotora chikwereti kungangove yakakwirira kudarika chikwereti chenguva dzose . Semuenzaniso, kana makore makumi matatu nematatu akatengesa chikwereti ichiwanika pakukwira kwema 6% yekutora , chido-chete chekutenga chikwereti chinogona kutora chikamu che2 1/2 muzana kana kuiswa pa6,5%.
Munhu anokweretesa anogonawo kutora chikamu chepfungwa yekuita chikwereti.
Vose vanobhadhara mari mari vanosiyana, saka inobhadhara kutengesa.
Ndezvipi njodzi neNhema dzinosanganiswa neAnti-Chete Imari?
Chimwe chinhu chinokosha chechido-chete chekutora chikwereti ndechekuyeuka kuti chikwereti chemari chikwereti hachizowedzere. Sarudzo yeArm zvinokweretesa ine urongwa hwekusava nemari. Kufarira-chete zvikwereti hazviiti.
Ngozi iyo inobatanidza ne-interest-only mortgage iri mukumanikidzirwa kutengesa imba iyo iyo nzvimbo isina kuonga. Kana munhu akakwereta achibhadhara chido chega woga mwedzi mumwe nomumwe, pamagumo, anoti, makore mashanu, akakwereta achabhadhara chikwereti chekutanga chekwereti nokuti hachina kuderedzwa. Chikwereti chechikwereti chichava chakafanana kana chikwereti chakatangwa.
Kunyange zvakadaro, kunyange purogiramu yekubhadhara yakagadziriswa kazhinji haizobhadhara zvakakwana chikwereti chekubhadhara mari chezana chezana chekubhadhara mari yekutengesa kana imba yacho isina kuonga. Kubhadhara kukuru pane panguva yekutenga kunoderedza ngozi iyo inobatanidza ne-interest-only mortgage.
Kana nzvimbo yepamusoro inowira, zvakadaro, kuenzana kwakagamuchirwa muimba panguva yekutenga kunogona kupera. Asi vazhinji vadzidzisi veimba, zvisinei nokuti chikwereti chinokonzerwa nei, inotarisana nemukana iwoyo mumusika unowira.
Panguva yekunyora, Elizabeth Weintraub, DRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.