A Tarisa Numeri
Kuenzanisira humwe huwandu sehuwandu hwepfungwa yemari yezvikwereti, ngatitarirei dzimwe nhamba. Kana mukuru wezvikwereti achitaura pamusoro pechinhu chimwe pane chikwereti cha $ 100 000, mukuru wezvikwereti ari kutaura nezvekamu imwechete yemutero, iyo inokwana $ 1 000.
Kune chikwereti cha $ 300 000, imwe pfungwa inokwana $ 3,000 kuti ibhadharwe paunovhara chikwereti chako.
Vatengesi vanopa zvikwereti zvakasiyana zvezvikwereti kune zvikwereti zvine nharo dzakasiyana. Pane zvinhu zvitatu zvakasarudzwa zvaungaita pamusoro pehupi. Iwe unogona kusarudza kuti haudi kubhadhara kana kugamuchira zvipo zvachose. Izvi zvinonzi chikwereti chenharaunda.
Iwe unogona kubhadhara mapeji ekuvhara kuti uwane chidimbu chechibereko chepasi. Kana iwe unogona kusarudza kuva nezvikwereti zvakabhadharwa kwauri (zvinonziwo chikwereti chikwereti) uye uzvishandise kuvhara zvimwe zvekuvhara mari yako.
Mamiriro Emafungiro
Ngatitangei dzimwe nhamba dzekufungidzira dzekuongorora (aka Engineer) marudzi. Muenzaniso uri pasi apa unoratidza kushandiswa-kubva pakati pehupi sechikamu chekuvhara kwekuvhara kwako uye chibereko chemari.
Muchiitiko chacho, unokwereta $ 180,000 uye unokodzera kuwana makore makumi matatu ekugadzirisa mutengo wemari yekubhadhara chikwereti kune chikwereti chezvikamu zve 5.0% ne zero points iwe uchava nechiitiko chinotevera chaunofanira kufunga nacho:
Nhamba yeKubata | 4.875% | 5.0% | 5.125% |
Discount Points | +0.375 | 0.0 | -0.375 |
Mamiriro Ako | Iwe uchachengetedza chikwereti chako kwenguva yakareba uye uchida kuchengetedza kubhadhara zvakaderera sezvazvinogona. | Iwe unofarira chikwata chekuda uye iwe unogona kunge uchiita imba iri pasi pemakore mashanu | Iwe unoda kuchengetedza mari yekuvhara zvakaderera sezvinobvira uye unogona kuwana mari yakakwirira |
The Result | Iye zvino: Unobhadhara $ 675 mamwe pakuvhara Pamusoro pehupenyu hwechikwereti: Bhara $ 14 zvishoma pamwedzi | Pasina kugadziriswa mune imwe nzira, zviri nyore kunzwisisa chii uri kubhadhara uye kuenzanisa nengozi. | Iye zvino: Unowana $ 675 mune lender chikwereti Pamusoro pehupenyu hwechikwereti: Bhara $ 14 mamwe mwedzi mumwe nomumwe |
*** Mitengo iripo ikozvino inogona kunge yakasiyana pane iyo inoratidzwa mumuenzaniso uyu
Sezvo iwe uchigona kuona zvakajeka, nguva yaunoronga kuva neimba iri chikamu chikuru chey equation kana "kuputsa-kunyange" kuongorora kwakakosha kwauri.
Kuputsa-kunyange kuongorora kuri nyore. Tora mari yezvikwereti zvekutsvaga uye ugoparadzanisa iyo nemari yekubhadhara mari yemwedzi nemwedzi uye iwe uchazoona mwedzi yakawanda inokutora iwe kuti usiye-kunyange.
$ 675 mubhadharo / $ 14 pamwedzi kuchengetwa kuchaguma nekuputsa-kunyange nzvimbo yemwedzi 48.21.
Kana uchironga kuchengetedza chikwereti chako kwemakore anopfuura 4.1, kana mwedzi 48.21, ipapo kubhadhara zvishoma zvishoma zvinotanga kuitika. Chero zvishoma pane izvo uye iwe ungangodaro wakaita chisarudzo chisina kunaka chemari.
Tinoshandisa izwi rokuti "ingangodaro yakaita chisarudzo chisina kururama chezvemari" nokuti chikwereti chine mutero wekubhadhara uye migumisiro iyo inofanirawo kuonekwa kana iwe uchimhanya nhamba.
Vose vanofarira chikwata uye inotora purogiramu vane mutero kubhadhara mari kune vakawanda vanokwereta. Inonyanya kutarisana nemamiriro ekugara kweimba yako mitsva, nhamba yeimba yako uye yehuwandu hwekufarira iwe uri kuderedza.
Zvakanakisisa kufunga nezvezvinhu zvose paunenge uchiita chisarudzo chekubhadhara zvishoma kana kuti kwete.
Kushingairira kwako kushandisa mari yako pachako kune iwe mari yekusarudza zvinogona kunge iri chisarudzo chinokukanganisa kwemakore makumi matatu.
Ita zvisizvo.