Zivai kana iwe unofanira kufudza Refinance kana Kwete
Iwe uchadzidza zvose zvaunoda kuziva pamusoro pemari yako yaivepo uye iyo inogona kushandurwa.
Verengai Mutero Wako Wokutanga
Hungu, iwe unotoziva kuti chii chaunobhadhara pamwedzi, uye kuti iwe uripi chikwereti. Zvisinei, iwe unodawo kuziva kuti mari yakawanda yebhadharo imwe neimwe inoenda sei kune zvaunoda mari, uye kuti yakawanda sei inotsiva mari yawakakwereta. Kuti uone izvi, iwe uchada tafura yekuunganidza, yaunogona kuwana kubva kune zvakasiyana-siyana. Ndinoshandisa kushandisa Excel kuverenga kuunganidza , asi iwe unogona kushandisa shanduro yekuInternet kana imwe shanduro yepaspiritsi.
Nokuda kweiyi tsanangudzo, ini ndichatsanangura maitiro ekuverenga mafungiro ako ekugadzirisa uchishandisa Excel, asi iyo inenge yakafanana kana iwe uchishandisa maInter.com's amortization calculator kana imwe purogiramu (zvakanakisisa kushandisa shanduro, sezvo nhamba dzichava dzakarurama ). Tichafungidzira zvinotevera apo tinoshanda kuburikidza nemuenzaniso:
- Chikwereti chepakutanga chikamu: $ 180,000
- Zuva rekubhadhara chikwereti: 7/1/2003
- Nhasi yezuva: 7/1/2012
- Chido chekuda chikwereti: 5.4%
- Zero rechikwereti: makore makumi matatu
Kuti uwane tsanangudzo yekwereti yako yepakutanga, pinda nawo muchisarudzo chako chekuita amortization calculator. Kana zvichibvira, pinda mwedzi chaiyo negore rawakabhadhara mari pakutanga. Shandisa mari yako yepakutanga mari - kwete mari yaunenge uine chikwereti.
Ratidzai paunofamba
Cherechedzai paunomira nemari yako yazvino. Bhura pasi kusvikira zuva ranhasi, uye ona kuti iwe uchiripi chikwereti pane chikwereti. Muchiitiko chedu, iri $ 152,160.64 (nhamba dzako dzinogona kusiyana nekuda kwekukomberedza zvichienderana nehupurogiramu yaunoshandisa uye kuti yakajeka sei).
Verengai Chikwereti Chekubhadhara
Ratidza kuti chii chaunotora chikwereti chako chitsva kana iwe uchigadzirisa. Nokuda kwemuenzaniso uyu, tichafungidzira zvinotevera:
- Mari yechikwereti: $ 152,160.64 (yakanyorwa kubva kumusoro)
- Mutengo wekutangira chikwereti: 7/1/12
- Chido chekuda mari pachikwereti chitsva: 4.25%
- Zero rechikwereti: makore makumi matatu
Iwe uchacherechedza kuti kubhadhara kwako kwemazuva ose kuchasvika ku $ 748.54 kana iwe uchigadzirisa (vs $ 1,010.76 nokuda kwechikwereti chepakutanga). Izvi zvinonakidza, asi hazvifaniri kuuya sechishamisika, sezvo chikwereti chako chitsva chiri chiduku uye chinouya nechikwereti chemuzasi. Kuchengetedza pamubhadharo wemwedzi wega wega kungave kwakakosha kwauri, asi inongova imwe yezviverengeka zvakakosha zvinhu.
Ita Zvimwe Zvaunofunga Nezvenguva Yakareba Sei Uchachengeta Mari
Zvinosuruvarisa, pane kazhinji kacho mhinduro yakajeka yakapindurwa paunenge uchisarudza kana kana usingafadzi. Iwe unofanirwa kusarudza zvaunofunga kuti zvichaitika uye uite chisarudzo chako kubva pane zvaunofungidzira. Saka, edza kufungidzira kuti iwe uchachengeta rini chikwereti chitsva. Iwe uchagara mumba imwe chete kwemakore manomwe anotevera here?
Iwe uchagara ipapo kwemakore makumi matatu ezere here? Zvakanaka kana iwe usingazivi - unogona kuita zvakati kuti "chii-kana" chinotsanangura.
Tarisa Pazvikwereti zvinodiwa
Iye zvino unogona kutarisa pasi pe hood uye ona zvinoitika kana iwe uchigadzirisa. Ratidza kuti iwe uchatora mari yakawanda sei muzvikwereti nekweretwa chakare uye chikwereti chitsva. Enda kune imwe tafura yekugadzirisa uye tanidza chikamu chose muhomwe ye 'Interest'. Tanga nezuva rezuva ranhasi, uye ramba uchienda pasi kusvikira iwe uchifunga kuti uchabvisa chikwereti (makore manomwe, kana kuti painobhadhara, kana chipi zvacho chaunosarudza).
Izvi zviri nyore kwazvo kana iwe uchiverenga chikwereti chimwe nechimwe chesafurasi, kana iwe unogona kukopa uye kuisa tafura yako yekugadzira muparadhee. Ona muenzaniso wekuzviita sei pano, kana kushandisa sUM basa mu OpenOffice, Google Docs, kana Excel. Mumuenzaniso wedu, kune zvimwe zvinokanganisa zvakasiyana:
- Kana iwe ukachengeta chikwereti chiripo kusvikira chabhadhara, iwe uchapedza $ 103,236 muchibereko kubva nhasi kusvika muna 2033
- Kana iwe uchigadzirisa uye uchichengetedza chikwereti kusvikira chabhadharwa, iwe uchapedza $ 117,313 muchibereko kubva nhasi kusvika muna 2042
Iko inobhadhara madhora 14 000 pamakore makumi matatu anotevera kuti uwane chikwereti chepasi pamwedzi? Zvichida zviri uye zvichida hazvisi. Asi zvakadini kana iwe ukangosunga chikwereti (kana kugara mumba) kwemakore gumi?
- Kana iwe ukachengetedza chikwereti chiripo, iwe uchashandisa $ 69,565 muchibereko pakati pezvino naJuly we2022
- Kana iwe uchigadzirisa, iwe uchashandisa $ 58,545 muchibereko pakati pemazuva ano naJuly we2022
Muchiitiko ichocho, refinancing inotarisa kuwedzerwa. Hauiti chete kubatsirwa kwebhadharo yakaderera, iwewo unoponesa pane zvekutora mari (nokuti hausi kuzoramba uchibhadhara chikwereti kwemakore makumi matatu ezere).
Ratidzai Nzira Yokuita Nezvimwe Zvipfeko Zvokuvhara
Kana iwe uchigadzirisa, unogona kubhadhara mari yekuvhara. Iwe uchafanirwawo kutora zvinodhura izvi mukufunga sezvo iwe uchisarudza zvokuita. Iwe ungatora mukana wekushandisa kushandisa mari iyo: ungadai wakawana chikwereti pane mari iyoyo here? Kana zvakadaro, ingatove yakakodzera here kushandisa mari yekuvhara mari?
Iwe unogonawo kufunga nezvemagariro ekugadzirisa zvinokonzerwa nekugadzirisa zvinoshandiswa: inotora nguva yakareba sei kuti udzorere mari yaunoshandisa, uchifunga kuti kubhadhara kwemwedzi wako kwega kunopera (gurai mari yekugadzirisa mwedzi nemari yekuvhara kwegore rose kuti uone kuti mwedzi yakawanda izvi zvinotora). Uchagara mumba here kwenguva yakakwana kuti uwane mari iyo? Chero chaunenge uchiita, iva nechokwadi chokuti hauna hanya nekuvhara mari yekuvhara nokuti iri chikamu chakakosha chepikicha.
Kana iwe uchibhadhara mari yekuvhara kana kuti 'wakavhara mukati' chikwereti chitsva (kana uine chikwereti pasina mari yekuvhara ) iwe haufaniri kuita chimwe chinhu chinowedzera - mari inenge yave yakatarwa kare muchikwereti chako chikuru chekwereti kana chikwata chapamusoro chechibereko.