01 - Chido Chete Zvikwereti Zvikwereti - Chisarudzo Chinofarirwa Pakati Penguva Dzokuonga
- Anokwereta anogutsa mukuru wacho nekubhadhara kubhaluni
- Mari yechikwereti ichidzorerwa zvakare uye uyo akakwereta achava nemitengo mitsva, yakakwirira zvikuru pamwedzi
- Imba yacho inotengeswa.
Zvakakosha ndezvokuti chikwereti chete chikwereti chemari inokwereta inobvumira anenge akwereta kuti atsigire chikwereti chikuru chemakore mashanu kubva kune gumi ekuchengetedza mwedzi mumwechete kubhadhara, uye zvichida kusunungura mari kune mamwe masimba, kana kusangana nemari yemwedzi. Uyewo, munguva iyi, kufarira chete kubhadhara mutero kunobviswa (taurira unyanzvi wemutero, ndapota).
Chido Chete Mortgage / High Period Period Example
Mufaro-chete wekutenga chikwereti wava sarudzo yakakurumbira kune varairidzi mune nzvimbo apo kuwedzera kwemaimba inokosha, kana kukwidzika kwemazuva, kwakagadzira kuwana zvakanaka-mari yekushambadzira mari zvikuru kunyanya.
Heano muenzaniso, uri kutsvaga imba. Real estate tsika uye mitengo inowedzera munzvimbo yaunotarisa. Panguva imwe chete, mamwe mazvikwereti ako haasi kuita zvakanaka kwazvo. Unogona kufunga nezvechido chekutora chikwereti sechave nani. Asi yeuka, vateresi vanoona kufarira chete zvikwereti semari riskier uye vanozozvitengera zvakakwirira.
Muenzaniso: mutengo wemakore makumi matatu wekukweretesa chete pa $ 100,000 pamutengo wekuda we7.0%:
• Kuda kubhadhara chete: $ 583 / mwedzi, $ 7,000 / gore
• Kubhadhara kwepamutemo: $ 665.30 / mwedzi, $ 7 984 / gore
• Kuponesa kwemakore gumi ekutanga: $ 82 / mwedzi, $ 984 / gore
02 - Life-of-Loan Charts uye Zvikonzero zveNharaunda Chete Mutero
Kufarira uye Mazano Okutanga
Mufananidzo 1, pamusoro, unoratidza purogiramu yemwedzi yekubhadhara chikwereti. Muridzi wemari anokwereta chido chete panguva yekutanga kwechikwereti, ipapo chikwereti chinodzokorora kubhadhara mari ye $ 100,000 huru pamakore akasara.
Mufananidzo 2 unoratidza kuti chikari chikuru chinoramba chichigara pakati pekuda-nguva chete, uye inongotanga kuderera apo mutengi ari kutanga kutenga mukuru. Chikwereti-chikwereti chete chinogona kukodzera kumusimari uyo:
- Ari kuedza kudzivisa kusava nemari yakaipa mumakore ekutanga ekutsvaga mari,
- Zvirongwa zvekuti flip the property,
- Pane zvimwe zvinoshandiswa pamari iyo inogona kubhadharwa semukuru, kana
- Ari kutarisira kukwirira kwezvivako kuonga.
Zvinogona kuisa njodzi
Iyo inonyanya kuisa mari kune wekusima mari iri kusara nehutano husina kunaka kana kukosha kwemusika kweimba kunoderera, sezvo pasina mukuru inobhadharwa panguva yekufarira-nguva chete.
Zvimwe zvinogona kuisa njodzi dzinosanganisira:
- Imari yako haina kuwedzera sezvainotarisirwa
- Panogona kuva nemitengo yekubhadhara
- Kuwanda kwechirwere chete mari yekugadzirisa inoshandiswa kugadziriswa (ARM) mari yekutanga inogona kunge yakaderera, asi kana zvikwereti zvinokwira, saizvozvo
- Iwe hauna mari iyo kubhadharwa kukuru kunodiwa
- The general real estate market declines and sells is not immediately.
- Izvo zvakaoma kufanotaura kuti zviyamu zvinokwidziridzwa zvichave zvipi kana mukuru wacho akadzokorora zvakare.
Munyori weChris Smith mubhadhadzi wezvivako, muvambi wekutsvaga muInternet yevatengesi uye vepfumi vepfumi uye akabudisa nyaya mu Corporate Corporate Magazine, Euromoney, uye Business Journal Network.
03 - Update Kubva ku Mortgage Crash
ZVIMWE ZVAKAITIKA:
Ndanga ndichida kugadzirisa nyaya ino shure-crash. Iko zvino muna 2016 uye misika yemumba ichiri kudzoka kubva pakuparara kwakatanga muna 2006. Paiva nezvakawanda zveminwe-kureva kuti ape mhosva yekuparara, uye chimwe chezvinangwa chakanga chiri chekukweretesa mitemo. Makambani ekuchengetedza zvikwereti aipomerwa mhosva yekukweretesa kune avo vaisafanira kuwana mari yekubhadhara mari, kana kune avo vane zvikwereti zvavasingagoni kuwana.
Handiiti chinhu chakanaka-chete mari yekugadzirisa chaive chikonzero, sezvo iri niche yakaisvonaka yakashandiswa zvakanyanya nevarimi. Zvisinei, vamwe vavo vakaenda pasi nokuti vakange vakanyanyisa kubhadhara. Sezvakawanda zvekukweretesa mhando dzemari, chikwereti chinongova chikwereti chakava chakanga chisisipo mushure mekuputsika, asi yakadzokera kune yakawanda mazuva ano. Iyo inoshumira dzimwe nzira dzakanaka dzekutsinhanisa niche zvirongwa zvakanaka.