Refinancing a Mortgage In Retirement Inobatsira uye Kukanganisika
Refinancing a Mortgage in Retirement Pros
Kazhinji, kugadziridza chikwereti kunopa zvikomborero zvakasiyana kune veneimba. Chokutanga, kugadziridza kunogona kukubatsira kuti uwane chikwata chemuzasi chechikwereti pane chikwereti. Nhamba yakaderera inogona kukonzera kubhadhara kwepamwedzi kwepamwedzi, kuumba dzimba kunodhura kusanyanya kudzvinyirira pane bhajeti yako. Iwe unogonawo kuwana mubhadharo wakaderera kuburikidza nekugadzirisa chikwereti muchikwereti chemakore akawanda.
Kune rimwe divi, kubhadhara chikwereti muchikwereti chiduku kunogona kukubvumira kuribhadhara nokukurumidza. Mari yako yepamwedzi inogona kunge yakakwirira asi iwe unogona kuona zvimwe zvekuda kuchengetedza, zvichienderana nekureba kwawakaita sei. Kana uine hutano hwakakura mumusha , ichi ndicho chimwe chikonzero chekufungisisa refinancing. Kunatswa kwemari kunogona kukubvumira kuti uwane hutano hwako apo iwe unogonawo kuderedza yako mortgage rate.
Izvi zvinogona kushanda kumunhu weimba ipi neipi asi kubva pakuona basa, pane zvikonzero zvakawanda zvakanaka zvekufunga kugadzirisa kubhadhara mari.
Kutanga ndiyo tarisiro yekuderedza mari yekugara kwemwedzi. Bhizinesi reUnited States of Labor Statistics inofungidzira kuti avo vanowanzova 65 kusvika kune 74 vane makore vanosvika kuvhareji ye 32,4 muzana yeimba yavo yemari inowanikwa gore negore. Kana chikafu chako chokubvisa chikafu chisati chakakura sezvaunoda kuti chive, kuwedzera patsva muzinga, kana kuti kune imwe nguva yakareba yekutengesa, kunogona kuderedza mari yako uye kuwedzera mari inokosha mumari yako yemwedzi inoyerera.
Iko mari inogona kuuya zvakanaka kana kurasikirwa kunowirirana nekuwedzera kwehutano hwekutarisira . Vavhareji vane makore makumi matanhatu nemashanu vane makore vangada mari inenge madhora 275,000 kuti vawane mari yekuchengetedza hutano muhupfumi, maererano nehupfumi hwenyaya yeFidelity Investments ya 2017. Izvo zvose hazvirevi mari yekuchengetedza kwenguva yakareba, iyo isina kuvharwa neMedare. Medicaid inobhadhara mari iyi asi mushure mokunge mushure mokunge musarudzwa mushure mokutora pasi pfuma yavo.
Kunatswa kwemari kunogona kushanda chinangwa chimwechete. Inogona kukupawo mari yekuvhara zuva rega rega mararamiro ehupenyu kana kuita kugadziriswa kwakakosha kana kuvandudzwa kweimba inogona kusimudza kukosha kwayo. Izvo zvingave zvekubatsira kana iwe uchida kutengesa imba pane imwe nguva pakubata basa. Kana iwe uchifunga kubhadhara chikwereti kuti ubvise hutano hwako zvakakosha kujekesa kuti mari iyo ichashandiswa sei. Kuzadza re-cash-out kuti uende pazororo kana kubatsira rubatsiro rwevana vakuru, somuenzaniso, hahupi hupi hupi hunobatsira hwekubhadhara mari.
Refinancing a Mortgage in Retirement Cons
Kuongororazve mari yekubhadhara mari inogona kubhadhara, zvichienderana nenzira yaunoswedera nayo. Semuenzaniso, kana iwe uchizogadziriswa mune nguva yakareba yezvikwereti unogona kubhadhara pakarepo mari yekubhadhara nenzira yebhadharo shoma asi iwe unofanira kufunga nezvekuchengetedza iyo ndeye bhajheji yako.
Maererano neSocial Security Administration, mumwe munhu ane makore makumi matanhatu nemazana matanhatu anorega kusiya nhasi anogona kutarisira kurarama mamwe makore makumi maviri. Imwe muvakasara vana inorarama makore makumi mapera nemapfumbamwe uye imwe pa10 ichararama makore apfuura 95.
Kana uri kuenda kubva kune makore gumi nemashanu kubva kune chikwereti kumakore makumi matatu ekubhadhara mari, iwe unofanirwa kuva nechokwadi chekuti mari yako uye mari yako kubva kune dzimwe nzvimbo, zvakadai seSocial Security , zvichave zvakakwana kuti urambe uine zvikwereti uye imwe yako mari yezvikamu zviviri kusvika pamakumi matatu anotevera. Mari yako yekubhadhara chikwereti inogona kudonhedwa ne $ 300 pamwedzi asi iwe unofanira kufungisisa pamusoro pemari yose yebhadharo pamusoro pehupenyu hwechikwereti chitsva.
Kudzokorora muzororo shomanana rinogonawo kudzorera kana mari yako yokurega mari uye kuchengetedza hazvikwanisi kuchengetedza mari yakakwirira. Kana iwe ukava nehutano hwehutano hwakanyanya, semuenzaniso, unogona kuzviwana uchibhadhara zvakawanda kubva muhomwe yezvikwereti zvemari.
Izvo zvinodhura zvinogona kuita kuti uchengetedze nepamusoro yekutengesa zvikwereti zvinorema zvakanyanya kune bhajeti yako.
Mibvunzo Yekubvunza Mberi Refinancing a Mortgage
Kana uri kuswedera kumushandirapamwe kana iwe uchangobva kupora uye kubvisa huri patafura, kuzvibvunza mibvunzo yakarurama kunogona kukubatsira kuti uone kana zvine musoro. Semuyenzaniso:
- Iwe unoronga kusvika rini mumusha? Makore mangani aripo pane chikwereti?
- Iwe uchapfuura iyi imba kuenda kuvana vako paunopfuura here? Kana zvakadaro, imba yako ine zvikwereti zvakakwana here kuti ubhadhara chero chinenge chiripo mortgage balance?
- Chinangwa chekugadzirisa chii? Kuderedza chiyero chako? Kuderedza mutero wako we mwedzi woga woga? Kubvisa kuenzana?
- Mari yakawanda ingadai yakashandura sei kuwedzera zvakare mubhadharo yako yemwedzi wega wega kana uri kuwana mubhadharo wakaderera?
- Kana iwe uri kufambidzana muchikwereti chiduku kwenguva refu, izvi zvaizochinja sei bhajeti yako?
- Kana kukonzerwa kwemari kuchiri mumakadhi, mari iyoyo ingashandiswa sei?
- Ko kuderedzwa kunodhura zvakadini, maererano nemari yekuvhara ? Mari iyi ichabhadharwa kubva muhomwe kana kuiswa muchikwereti here? Ko kuisa mari kune chikwereti kunobata sei kubhadhara kwemwedzi?
- Iwe unofanirwa kubhadhara chikwereti chei, zvichienderana nekodzero yako yechikwereti? Izvi zvinofananidzwa sei nechiyero chauri kupa iye zvino?
Kufunga pamusoro pezvinhu zvose izvi zvinogona kukubatsira kuwana kunzwisisa zviri nani kana kugadzirisa chikwereti pakubhadhara basa ndicho chisarudzo chakanaka.