Nzira yekuziva sei kana iwe uchifanira kubhadhara mari yako
Iwe, zvisinei, wakazvipira kune imwe yakagadziriswa mari yezvikwereti makore akawanda apfuura, saka uri kubhadhara 6 muzana apo mwana womuvakidzani ari kubhadhara 3.25 muzana. Unofanira kufungisisa here?
Chokutanga, nheyo yevaya vasina kujaira nemashoko ekuti: "refinancing" chikwereti chinoreva kuti iwe unotora chikwereti chitsva.
Iwe "kudzokorora-mari" - iwe unopa mari zvakare, neurongwa hwekubhadharwa huripo.
Nzira dzeRefinancing
Vanhu vazhinji vane mari yakatarwa mari yekugadzirisa iyo inonatswa inokurudzirwa nemukana wekutora chikwata chemuzasi.
Kusiyana kwechidiki muhuwandu hwekuda kuita hunoita mutsauko mukuru. Enzanisa zvitatu zvemakore makumi matatu nemakumi matatu emadhora e $ 240,000. Rimwe rinotakura 4.00 muzana yezvikwereti, uye imwe inotakura 4.25 muzana yehuwandu hwekuda.
Izvozvo hazvirevi semhedzisiro huru, ndizvo here? Ingori chikamu chimwe chete kubva muzana, chakanaka? Ndezvipi zvakasiyana zvingaita izvozvo?
Zvishoma zvishoma zvinowanikwa mumari yakawanda. Pakupera kwemakore makumi matatu nemakumi matatu, mubati we4.2% muzana achabhadhara mari inopfuura $ 10 000 pamusoro pehupenyu hwechikwereti, kana achienzanisa nemunhu ane chikamu chekubhadhara chikamu chemazana mana.
Zviri pachena kuti ruzivo rukuru rwekugadziridza ndiyo mukana wekuderedza chikwereti chako chekuda, kuveura ndezviuru kubva pamari yako yose yekubhadhara.
The Cons of Refinancing
Asi rose rose rine mhinzwa yaro: refinancing ichadzoka zvakare yako mortgage clock, kuunza purogiramu yako yekudzorera kumashure kwekona imwechete.
"Huh? Izvozvo zvinorevei?"
Hezvino matanho ekubhadhara mari anoshandiswa: Paunenge uchibhadhara, zvimwe zvikamu zvebhadharo iyoyo inoenda kune zvaunofarira. Nhamba yakasara inoenda kunotora chikwereti chako chepakutanga.
Kunyanya kuti kubhadhara kwako kunoshanda kune mukuru wako, zviri nani. Kubhadhara chikamu chako chikuru chinokubvumira kubhadhara chikwereti nokukurumidza. (Ndiyo chikonzero nei iwe uchifanira kuve nechokwadi chekuti zvimwe zvikwereti zvinotora mari zvinoshandiswa zvinosvika kune wako mukuru ).
Paunotanga chikwereti chitsva, huwandu hwebhadharo yako inoshanda kune vanofarira. Icho chiduku chiduku chayo chinopinda kumusoro wako. Pakupera kwegore rako rokutanga rekutengesa mari, iwe uchaona kuti iwe hauna kuita dent mubhadharo yako huru.
Izvo zvaunofambira mberi iwe uchifambira mberi mukati mekutora chikwereti chako, mari yako inowedzera inoshanda kune wako mukuru. Negore ramakumi maviri nemashanu remakore makumi matatu emakore, chikwereti chenyu chose chaunenge uchibhadhara chichashandiswa kune wako mukuru.
"Izvi zvinonakidza, chaizvo. (Yawn.) Asi zvinoshanda sei pakugadzirisa?"
Paunenge uchigadzirisa chikwereti, iwe unodzorera zera kare gore rimwe chete. Ruzhinji rwekutora kwako ruchashandiswa kune chido, kwete guru.
Kana iwe uchiri mumakore mashomanana ekutanga, iwe hausi chinhu chikuru. Asi kana iwe uchienderera mberi mune zvekutora chikwereti chako, iwe unofanirwa kutarisa pepanheta kuti uone kana chidimbu chechibereko chepamusoro chichiratidza kuti maawa ekudzoka.
Kuchengetedza Mari Nezvaunofarira Kutanga Kwemari
Ngatiti Joe ane $ 100,000 kutenga chikwereti pa6 muzana inofarira.
Kubhadhara kwake kwemwedzi ndeye $ 599. Pakupera kwegore 1, Joe akabhadhara madhora 7,188 kumutero wake. Mari ye $ 1,299 chete ndiyo yakabhadhara pasi mubhadharo mukuru. Zvimwe zvacho zvakange zvichitengesa nezvibereko.
Gore rimwe chete mumakore ake makumi matatu ekubhadhara mari , Joe anoona kuti anogona kuwana chikwereti chitsva pa5 muzana. Joe anovandudza, achivhara chikwereti chake chekare chekubhadhara uye achidzokazve kutora nguva. Anokwereta $ 1,000 mukuvhara mari yeimba yake yechikwereti.
Pa6 kubva muzana, Joe angadai akabhadhara madhora 109,871 mubhadharo yezvikwereti pamusoro pehupenyu hwechikwereti (kubhadhara mari inokwana $ 209,871 ye $ 100,000 yeimba yake). Nokugadziridza, Joe "anorasikirwa" ne $ 5 889 mune zvekufarira kuti akabhadhara gore rokutanga rechikwereti chake. Ouch.
Asi zvakakosha. Nokutsvaga kusvika kune 5 muzana yekubhadhara mari, Joe zvino achangobhadhara $ 95 483 mukutarisira pamusoro pehupenyu hwechikwereti, panzvimbo ye $ 109,871. Mune mamwe mazwi, kutama kwake kunomuponesa $ 14,387.
Kubhadhara Kufarira Zvimwe NezveRefinancing Gare gare muNhanho
Asi ngatiti Joe akanga ari mugore rechi15 wemakore makumi matatu nemakumi matatu ekubhadhara kwake paakawana mukana wokugadzirisa. Iye haadi kutora mitsva yemakore makumi matatu, saka anogadziridza mumakore gumi nemashanu . Chii chinoitika?
Pasinei nekuderedza chikwereti chechibereko kusvika pa5 kubva muzana, uye kukurumidza kubhadhara mari kuburikidza nemakore gumi nemashanu ekubhadhara chikwereti, Joe zvirokwazvo anopa ZVIDZIDZO zvakawanda nekugadzirisa pane zvaakaita pasi pemamiriro ekutanga. Mune mamwe mazwi, refinancing chinhu chinotyisa kuna Joe, nokuti iye ari kure kwazvo muhomwe yake.
The Bottom Line
Usafungidzira kuti kugadziridza nguva dzose kune zvakanaka kana kuti zvakaipa. Itai kuti mutengo wekuda kwako, mabheti ako uye mari yekuvhara muparadheetti kana kuti reinstall refinance calculator, kuti uverenge kana kushandiswa kwebasa rauri kupa kunonzwisisika mune imwe mamiriro ako ezvinhu.
Sezvo mutemo wehuwandu hwechigunwe, kana iwe uri mukati memakore mashomanana ekutanga uchibhadhara chikwereti uye iwe unogona kugogodza chikwereti chechikwereti pasi ne 0.75 muzana kana kupfuura, unofanira kufungisisa. Izvo zvekare mukati memari yako yekutengesa iwe unofambisa, zviri nani.