Ichokwadi ndechekuti gore rega rega purogiramu inogona kunge iri chiratidziro chakanaka chemari yekubhadhara mari yako itsva. Inogonawo kutungamira iwe nekukurumidza kana usisina kunzwisisa kwokuti ungashandisa sei zvakakodzera sechienzanidzo chekushandisa.
Vakawanda vanovhiringidza APR uye chikwata chekufarira icho chimwe chezvikanganiso zvakakura zvaunogona kuita. Chirwere chechirwere uye APR chiri mhuka dzakasiyana kwazvo. Vamwe vanokundikana kufunga nezvechigadzirwa chemari inoshandiswa, kushandiswa kwakaderera kuri kushandiswa uye zvimwe zvinhu zvinobatsira vose mukugadzira gore rega rega purogiramu kuverenga.
Saka zvakadini APR uye iwe unofanirwa kuisa kusimbisa zvakanyanya sei nhamba apo iwe uchiita chisarudzo chekubhadhara chikwereti chako? Hungu uye kwete.
Chii Chinowanikwa Pasi Pose Chete (APR)?
Muzhinji, gore rega rega yehuwandu yehuwandu inoratidzirwa sa periodic interest rate nguva iyo inowanikwa nguva yakawanda mugore rimwechete (inozivikanwawo sezita rinotora chido); sezvo APR ichifanira kusanganisira zvimwe zvisingaiti mutero uye mari, inoda zvakadzama kuverenga
Kufanana nenhanho yekutora, APR inoratidzirwa se peresenti. Sangano reSweden Kwekukweretesa Mutemo rinoda kuti chibvumirano chemari yevashandi vose chizarure APR.
Vose vanokweretesa vanofanira kutevera mitemo yakafanana kuti vaone kuti kutenderera kwaPAP.
Izvozvo zvakati, kudiwa kuita chimwe chinhu uye kuzviita hachisi nguva imwe chete chinhu chimwe chete. Gore rega rega purogiramu yehuwandu iyi nhamba inonyanyisa yakaoma kuverenga. Kana iwe uchida kuziva kuti zvakaoma sei kuverenga kwegore rega rega yehuwandu hunogona kuva, zvino tangotarisa webhusaiti ye FDIC.
Nenzira yakawanda, gore rega rega yepamusoro (APR) iwe unoona pamari yako yekubhadhara chikwereti inotarirwa nekubatanidza mari yekubhadhara mari uye zvimwe zvinhu zvingakanganisa kubhadhara kwako kwemwedzi-sega sega mortgage inshuwarisi kana PMI. Hazvifungi nezvekubhadhara mwedzi pamwedzi kubhadhara yeimba yeimba kana mutero wemitengo.
MUPP inofanira kuzarurirwa kune akakwereta mukati memazuva matatu ekutsvaga mari yekubhadhara. Mashoko aya anonyanya kutumirwa kune akakwereta uye APR inowanika muchokwadi mukukwereta chirevo chekuzivisa, iyo inosanganisirawo purogiramu yekuita basa.
Mitemo yakarongwa neCommumer Financial Protection Bureau (CFPB) yakagadzirisa kutsva kwekuita kuti maverengi eAIDS ave nyore kunzwisisa nokunzwisisa.
Zvimwe zvekutonga pfungwa dzechinyorwa:
APR inofanira kubudiswa mukati memazuva matatu mushure mekunge chikwata chekwereta chave chichigamuchirwa.
APR inogona kuchinja neyese ye8 1/8 yeperesheni isati yasvika kunze kwekuda kubudiswa pachena nemunhu anokweretesa.
APR inonzi yakarurama kana isingasviki chikamu chepfumbamwe kubva kune imwe yepamusoro kana pasi pezinga iyo inogona kuverengwa maererano nenzira yepamutemo.
Izvozvo hazvirevi kuti APR yakarurama nguva dzose, kunyange zvakadaro. Vasingazivi vanokweretesa ndezvekuti, kakawanda, vakabva mune zvemabhizimisi, asi kukanganisa kwevanhu nguva dzose chinhu chinofanira kufunga.
Vatungamiri vehurumende vanowedzera basa uye teknolojia dzimwe nguva inokundikana zvakare. Zvimwe zvingaguma nemusana weApri.
Kusiyana nehuwandu hwekutora, APR inosanganisira zvinotevera zvinodhura uye mari muhuwandu:
Discount Points
Private Mortgage Insurance
Lender Origination Costs
Izvo zvikave zvitatu zvakasiyana zvakasiyana uye iyo inonyanya kutaurwa ndeye pachake mortgage inshuwarisi. Chechipiri chinonyanya kuvhiringidza chikwereti chekubhadhara mapeji APR ndiyo inowanzobhadhara mari.
Izvi zvinosanganisira mari yepakati yemutengo wemarikiti uye mamwe mimwe mibvunzo yakweretwa, asiwo mari yekunyora pasi, kushandiswa uye zvimwe zvinokonzerwa nemari zviduku uye zviduku.
Kana uri kuisa zvishoma pasi pe20% pasi iwe unogona kunge une PMI. Sezvo PMI iri pangozi-inobva kune yakasanganiswa Fannie Mae & Freddie Mac zvikwereti zvichange zvakasiyana kubva kune vatengi kune vateereri uye pfuma kune zvivako.
FHA zvikwereti zvinowedzera zvakananga-mberi. Vanopa purogiramu yakadzika yekutengesa inshuwarisi kune vakawanda vezvikwereti zvavo. Mutengo wacho wakakwirira kudarika hutachiwana PMI kakawanda uye unogona kubvisa APR yako zvikuru.
Iwe Unofanirwa Sei Kuomesa APR Kana Kuenzanisa Nheyo
Paunenge uchitarisa chikwereti chitsva chemapato APR inofanira kuva imwe chete yezvinhu zvakawanda zvaunofunga.
Zvakajeka, kukwanisa kwekubhadhara kwako kwemwedzi kunotanga kuwanika. Asi kutarisa kwakasimba kune nguva yakakodzera yekukwereta & mortgage type yemamiriro ako ndeyewo vatambi vakuru.
Kana uri kutarisira kuderedza mutero wako pasi iwe unogona kutarisira kuva nepamusoro yeperesenti yegore. Nhamba yaunenge waisa pasi inokanganisa dambudziko rako kumunhu anokweretesa uye saka yako mortgage inshuwarisi ichave yakakwirira.
Mitengo yepamusoro ye mortgage inshuwalimi inofanirwa kusvika kune yepamusoro yeperesenti yemari inenge nguva dzose.
Zvose mune zvose, APR inogona kuva chigadzirwa chakanakisisa chekutenga chikwereti chikwereti kana iwe uchiva nechokwadi chokuti iwe unogara uchienzanisa maapuro nemaapulo.