Kubatira uye Kuda-Nguva Pfupi chete
Pakati penguva yekufarira-nguva bedzi, hapana hutsika . Kuita mari kunowanikwa apo vanokwereta vanobhadhara chikwereti pane nguva nekubhadharwa kwemari yakafanana nguva dzose, kazhinji pamwedzi. Nguva imwe neimwe iyo munhu akwereta achibhadhara, anobvarura pazvikwereti ( iyo inokweretesa chikwereti kubva kune chikwereti ) uye chikwereti chemari, kana kuti mukuru. Izvi hazvisizvo panguva yekufarira-nguva chete.
Mari Mishonga Pakave Nezvokuda-Nguva Pfupi Dzinotora
Nhepfenyuro-nguva chete inogona kuwanika mu -fixed-rate mortgages uye inogadziriswa-kuwanda mariji (ARMs). Vechidiki kana nyanzvi dzinotora zvikwereti zvevadzidzi dzinosanganawo nenguva inofarira, kunyanya avo vanokwereta mari yakawanda yekubhadhara chikoro.
Dzimwe nyanzvi dzinotaura kuti vadzidzi vanosarudza nguva yekufarira-nguva chete kune zvikwereti pavanenge vari kuchikoro vachichengetedza mari uye vanogona kupinda muitiro wakanaka wekubhadhara chikwereti nguva dzose, kuderedza dambudziko ravanozokanganwa kubhadhara apo nguva yenguva dzechikwereti dzevadzidzi dzinopera .
Nguva inofarira-chete inogona kupera kubva pamakore matatu kusvika kune makumi maviri. Vamwe vanotora chikwereti vanosarudza zvikwereti nemari inofarira-nguva chete nokuti inobvumira kuti vaite mari yekutanga iyo inonyanya kudarika yavanenge vazobhadhara. Izvi zvinogona kunge zvinofadza kune vechidiki vangotangira kunze avo vasingakwanisi kutora mari huru panguva ino mumabasa avo asi vanotarisira kuva mari yakawanda mune ramangwana, zvichiita kuti vaite mari yakakwirira gare gare muupenyu.
Zvechokwadi, zvakaoma kufanotaura kuti upenyu huripi, uye vanhu vazhinji havaoni basa kana kubudirira kwemari vaitarisira. Rufu rwemumwe wako, matambudziko ezvoutano kana basa rinorambidzwa rose rinogona kuita kuti riwedzere mutoro kuti uite mari yakakwirira munguva yechikwereti. Saizvozvowo, kana iwe uchikwanise kuita mari yakakwirira panguva ino, zvingave zvisina kuchenjera kurega kuita zvikwereti izvi ikozvino.
Kana iwe uchiri kukwezva nepfungwa yekubhadhara nezvikwereti -nguva bedzi, ziva kuti unofanira kufanira kushandiswa kwekubhadhara nebhadharo rimwe nerimwe. Kana zvisina kudaro, iwe uchafanira kudzorera chikwereti (icho chingaitika kuburikidza nekugadzirisa). Kana iwe uchida kubhadhara chikwereti chako , iwe unofanirwa kuzviziva nematangiro ekutanga, kusanganisira zviitiko zvinogona kuitika, zvakadai sekubhadhara chikwereti chako chemusha.
Ngozi dzekureba kwenguva-nguva dzenguva chete
Nguva yakareba-kufarira-nguva chete inowedzera dambudziko re "kubhadharwa kwekubhadhara," apo mari inoda kudiwa inoshamisa kukurumidza kusvika kumazinga iwe haugone kutenga. Kana iwe uchimirira kwenguva refu, iyo huru yako yaunoda kubhadhara ichave iwe iwe unofanira kudzorera mukuru. Nokudaro mupfungwa, zvingave zviri nani kuva ne nguva shoma-kufarira-nguva chete.