- Kuvhara kwaJune 15 kunoda kubhadharwa kubhadharwa kubhadharwa kwekanguva kubva paJune 16 kusvika kuJuly 1.
- Mutero wokutanga waizove wakaitwa musi waAugust 1, uye uchida kufambidzana nemwedzi weJuly.
Semuenzaniso, ngatitorei mari yekubhadhara mari ye $ 272,000 neine chikwereti chekuda kwe7.0%, uye mazuva ari pamusoro apa.
- $ 272,000 X .07 = $ 19,040 muchido chegore negore
- $ 19040/365 kalendari mazuva = $ 52.16 / zuva mune chido
- $ 52.16 X mazuva gumi munaJune = $ 782.40 muchido chekubhadhara
- Kubhadhara kwaAugust 1 kunosanganisira kufarira mubhadharo munaJuly
Ngatitarisei pa Mortgages & Lending
Iko kune mari yekubhadhara chikwereti uye interest calculators kwose kweWebhu zvino. Kune mafaira e-smartphone anoita izvi zvakare. Ngatitarise dzimwe pfungwa dzehutano pamusoro pemari yekugadzira mari uye kukwereta nemabatanidzwa ekutsvakurudza mamwe.
Iko Fixed Rate Loan Inoshanda
Mutero we mwedzi woga woga wakaenzana nechikwereti chinowanikwa nguva iyo mukuru, pamwe necheji chikamu chechirevo chacho pachako. Sezvo chikamu chemukuru wechikwereti chiribhadharwa pamwedzi mumwe nomumwe, izvo zvinoita kuti chikwereti chekufarira ichocho chinosara chiri chiduku zvakare. Somugumisiro, zvakawanda zvekubhadhara kwako kwemwedzi pamwedzi zvinosvika kumusoro mukuru mwedzi woga woga. Saka, pakutanga kwechikwereti, zvizhinji zvekubhadhara zvinowedzera kune chido apo vazhinji vavo vanoenda kune mukuru kumagumo emutero.
Makore gumi nemashanu kubva kumakore makumi matatu nemakumi matatu emakore
Nepo kune marudzi akawanda ezvitoro zvinowanika kumusha vanotenga, vazhinji veAmerica vanofunga nezvekubhadhara mari yavo yekuzvitenga maererano neArchetypal 30-year fixed fixed mortgage. Kana ichitaridzwa neimwe nzira, yakadai semakore gumi nemashanu ekugadziriswa, iyo inowanikwa muimba yomutengo ichaiona sechinhu chinodhura. Asi izvo zvakawanda zvevatengi vekuAmerica pamusha vasina kuziva ndezvokuti munguva refu, makore ane gumi nemashanu ekugadzirisa mari inogona kunge yakakwanisa kugadzirisa zvinangwa zvavo zvemari.
IA ARM, Adjustable Rate Mortgage
Zvigadziriswa-chireji mabheji (ARMs) zvikwereti zvemusha zvine chiyero chakasiyana. Sezvo zvikwereti zvinokwira zvichikwira uye zvichiwira pasi, zvikwereti pazvigadziriswa zvinotengeswa zvikwereti zvinotevera. Izvi zvinogona kuva zvikwereti zvinobatsira zvekupinda mumba, asi ivowo vane ngozi. Peji ino inobata zvigadziriro zvekugadziriswa kwezinga rezvitoro.
Pros uye Cons yeZimbabwe dzinoshandiswa mari
Zvigadziriswa-chireji mabheji (ARMs) zvikwereti zvemusha zvine chiyero chakasiyana. Sezvo zvikwereti zvinokwira zvichikwira uye zvichiwira pasi, zvikwereti pazvigadziriswa zvinotengeswa zvikwereti zvinotevera. Izvi zvinogona kuva zvikwereti zvinobatsira zvekupinda mumba, asi ivowo vane ngozi. Peji ino inobata zvigadziriro zvekugadziriswa kwezinga rezvitoro.
The Blanket Real Estate Mortgage
Vatengi, kunyanya mumisika yezvokutengeserana kwedzimba, vanoshandisa zvikwereti zvehombodo nekuda kwezvikonzero zvakawanda. Vatengesi vanoita mari vachiita zvikwereti. Kana nhamba dzichishanda uye dzinowana kuchengetedzwa kwakakwana, vatengesi vezvokutengeserana vachabva mabheji ekugadzirisa mari anoshandiswa mune zvekutengesa zvivigiro. Zvichida mari yako inotevera inogona kushandiswa zviri nani nekushandisa bhanhire rekutengesa.
A reverse mortgage inogona kupa mari paunenge uchida, asi ita basa rako rechikoro usati waita kuti uwane mari inotora mari. Kana mari yako inobva pamari yekubvisa mari, kuchengetedza uye Social Security mibayiro haifaniri kubhadhara mari yako, kana iwe unoda ruzivo rwemari kuti unakidzwe nemakore ako ekurega basa zvishoma, iwe unogona kushandisa kuenzana mumba mako kuti uite zvekuregererwa kwemari .
Imusika yemusika wakatora zvakanyanya mudambudziko rakatanga muna 2006. Zvisinei, kusvika gore ra2015, vatengesi uye masangano anotsigira musha wemari yakabhadharwa akanga achibuda mumamiriro avo akasimba uye mari yakanga ichiyerera zviri nani.