- Dambudziko: Nyore
- Nguva Yakakodzera: Maminitsi mashanu
- Zvaunoda: Calculator
Heinoi Sei
Kushandisa mutengo wokutengesa kana kukosha kwechidziro cheimba yacho, sarudza iyo inowanikwa kana inoda kubhadhara pasi uye yaidiwa kutenga chikwereti icho chaidiwa. Imba inotengesa $ 300,000 uye vatengi vane $ 40,000 inowanikwa pakubhadhara mari.
$ 300,000 - $ 40,000 = $ 260,000 vanoda mari yekubhadhara mari.
Gurai mari yekubhadhara yakawanda nemutengo wokutengesa uye shandura chigumisiro kusvika kuzana.
$ 260,000 / $ 300,000 = 0.87 kana 87% iyo ndiyo chirongwa cheLLV.
Mazano
Kunyangwe iwe ungave uchitenga pfuma iri pasi pekukosha kwekuverengwa, uye uchiiona ichikosha, uyo anopa chikwereti achishandisa mutengo wakaderera wekutenga mune iyi kuverenga.
Mortgage Types & Uses
Chikwereti-ku-value chiyero chinoshandiswa mumatambudziko akawanda, kunyange chiri chimwe chezvinhu zvakasiyana siyana zvingafungidzirwa. Zvechokwadi, zvikwereti zvekutengeserana zvine zviyero zvakasiyana pane zvikwereti zvekugara zvakare. Pane zvisarudzo zvezvikwereti, uye unhu huchave huri chikamu chechisarudzo chako, kwete kungoita mutengo uye kubhadhara.
Fixed Rate Mortgage
Iyi ndiyo yekutenga chikwereti nebhadharo yakaenzana mwedzi mumwe nomumwe kusvikira yabhadhara zvizere. Iko kushandiswa kweP & I iri nyore yakagadzirwa nezvikamu zviviri, guru, uye kufarira. Sezvo chikwereti ichibhadharwa pasi, chikamu chekufarira chinowira pasi mwedzi mumwe nomumwe uye chikamu chikuru chinokwira, zvichiwedzera kuenzana muimba.
Ikoko kune inonyanya kuzivikanwa makore makumi matatu ekugadzirisa mutengo wekutengesa uye imwe inowanzoshandiswa 15-gore yakatarwa yemari yemari. Neyoyo, chikwereti chinobhadhara muhafu yenguva nemari yakakwirira uye mari shoma shoma inobhadhara pamusoro pehupenyu hwechikwereti.
ARM, Adjustable Rate Mortgage
Chigadziriswa chekubhadhara chikwereti (ARM) chikwereti nemari yekutora inoshanduka. ARM dzinogona kutanga nemari yakaderera pamwedzi kune yakasarudzwa-yekutengesa mari, asi ramba uchifunga mupfungwa dzinotevera:
- Kubhadhara kwako kwemwedzi kunogona kuchinja.
- Vaizokwanisa kuenda-dzimwe nguva nemuzhinji-kunyange kana zvikwereti zvisingabatsiri.
- Mari yako inogona kunge isingadariki zvakanyanya, kana zvachose-kunyange kana zvikwereti zvinoderera zvichidzika.
- Iwe unogona kuguma uchibhadhara mari yakawanda kupfuura iwe wakakwereta- kunyange iwe ukaita zvose zvaunotora pane imwe nguva.
- Kana iwe uchida kubhadhara ARM yako mangwanani kuti urege kubhadhara mari yakakwirira, unogona kubhadhara chirango.
Muenzaniso ungadai uri ARM wemakore manomwe neyekufarira kugadzirisa makore manomwe pasi mumugwagwa. Zvichienderana nemitengo panguva iyoyo, kufungidzira kwevanhu chero kupi uko kubhadhara kuchave. Chimwe chikonzero chekuwana imwe ARM kunze kwekutengesa kumazinga akaderera kunge kuve kubhadhara mari shoma mumakore ekutanga ehudziri.
Blanket Mortgage
Vashandi vanoshandisa mari yekugadzirira mabheji kana vane mazita akawanda nehutano.
Vanogona kuzarura mutsara wechikwereti nebhangi kana kuwana chikwereti ichi nokubvumira kuti chikwereti chishandise zvimwe zvinhu sezvibatanidza. Izvo zvinhu zvinotsiva chikwereti uye mari yacho inogona kushandiswa kune dzimwe mari.
Reverse Mortgage
Kudzorera zvikwereti zvekare zvinowanzozivikanwa pasina vanhu vakwegura. Kunyanya pavanosvika pakubhadhara mari, vimba vepamba vane hutano hwakakosha vanogona kuwana mari inotora mari iyo inowiripa mari yekubhadhara pamwedzi chero bedzi yavanogara. Mwedzi wekubhadhara mwedzi unoenderana nekukosha kweimba, kuenzana, uye makore evakwereta (s). Ikoko une zvimwe zvezvinyorwa zvakakosha zvekutengesa, uye imwe neimwe yayo inoshandisa mune imwe nzira iyo LTV, Kwereta Kukosha kwehuwandu.