Chii chaunofanira kuziva nezve mortgages

Kune vakawanda, kuva neimba chikamu chezviroto, ndiko kuzadzikiswa kwe hupenyu huri nani, chinangwa. Kune varidzi vedzimba vazhinji, kuwana zvikwereti ingori imwe yematanho anodiwa kuti usvike ikoko. Kutora chikwereti chemondgage ndeimwe ye zvisarudzo zvemari zvinonyanya kukosha vazhinji vedu tichazotora. Saka zvakakosha kuti unzwisise zvauri kusaina kana uchikwereta mari yekutenga imba.

Kana iwe uri kufunga nezvevaridzi vemba uye uchinetseka kuti wotanga sei, wauya kunzvimbo chaiyo. Pano tichavhara zvese zvekutanga zvekukweretesa kwemortgage. Muchokwadi NDINOUDZA ZVINHU ZVOSE panyaya iyi. Asi usati watanga, heino premium kudzidziswa iyo ichaita inokutendera iwe kuziva zvese zvakavanzika kuti ubudirire muPodcast.

✔️ Chii chinonzi mortgage?

Chikwereti chemondgage, chinonziwo real estate chikwereti, chikwereti chenguva refu chinoshandiswa kupa mari kutorwa kwezvivakwa. Hunhu hwayo hukuru ndeyekuvimbiswa nechikwereti chemba pane iri kutaurwa.

Chokwadi, mukwereti achatora chikwereti chemumba nekiredhiti institution, kazhinji bhangi. Mari yakapihwa inoiswa mari mukati menguva yakareba kusvika kusvika makore 25-30. Munguva iyi, mukwereti anodzorera nguva dzose mubhadharo wepamwedzi unogadzirwa nechikamu chemubereko uye chikamu chemari.

Chibatiso chebhangi ndiyo real estate pachayo painoiswa mortgage. Izvi zvinoreva kuti kana bhanga rikatadza kubhadhara kwenguva yakareba, bhanga rinogona kuda kuti midziyo itengeswe kuitira kuti iwanezve mari inenge ichine chikwereti.

Kutenda kune iyi vimbiso yakasimba, uye nekufamba kwenguva yakareba kudaro, mubereko wechikwereti chemba chinoramba chiripo Zvishoma uye inopa mari iyi mukana wakajeka wekuve muridzi. Aya mabhenefiti anoita kuti ive chigadzirwa chemari chakachinjirwa kune real estate musika.

✔️ Ndiani angawana rendi?

Chero ani zvake anogona kuwana chikwereti chemondi. Vanhu vazhinji vanotenga imba vanozviita nechikwereti. Chikwereti chinodiwa kana usingakwanise kutenga mutengo wakazara wemba kubva muhomwe.

Pane dzimwe nguva apo zvine musoro kuti uve nembavha pamba pako kunyangwe uine mari yekuibhadhara. Somuenzaniso, vatengesi dzimwe nguva vanotora zvivakwa kuti vasunungure mari kune mamwe mainvestimenti.

Kuti uve unofanirwa nechikwereti, unofanirwa kusangana nemamwe mamiriro ekukodzera anotsanangurwa nebhangi. Naizvozvo, munhu anowana rendi angangove ari munhu ane mari yakagadzikana uye yakavimbika, chiyero chechikwereti-ku-muhoro chiri pasi pe50%, uye chibodzwa chakanaka chechikwereti. Kunze kwerudzi urwu rwechikwereti, tinogona kuva nacho zvikwereti zvemotokari, etc.

✔️ Mortgages inoshanda sei?

The mortgage ikodzero inopiwa kune mukweretesi pamusoro pezvivako, kuitira kuti agone kuzvibhadhara pachake kana zvichiitika kutadza nemukwereti. Chokwadi, izvi zvinoreva kuti kana paine kusabhadharwa kwechikwereti, mukweretesi anogona kukumbira kutengeswa kwenzvimbo yakabhadharwa kuti adzore chikwereti chake.

Kugadzira chikwereti chemari, unofanira kubata notary. Vekupedzisira vanozonyoresa remba nebazi rekunyoresa ivhu mushure mekusaina gwaro remba. Mortgage garandi fees inowanzoshanda.

Kana kunyoreswa kwemondgage kwaitwa, mukweretesi anovimbiswa kukwanisa kuzvidzosera nekuda kwekukosha kwenzvimbo kana mukwereti akamisa kudzoserwa kwese. Bhangi rinogona kukumbira kutorwa uye kutengeserana kwechivakwa chakakweretwa kana zvichidikanwa.

The mortgage zvisinei, anochengeta ane chikwereti kodzero kuramba ari munzvimbo. Inobata chete kodzero yepfuma. Hazvibvumirwi kuti mukweretesi apambadze pfuma chero bedzi muridzi wacho achiramba achikudza kubhadharwa kwechikwereti chake.

✔️ Mbereko inoshanda sei pachikwereti?

Kuwanda kwekufarira iwe unozobhadhara pachikwereti chako zvinoenderana nedhiri remba rawasarudza. Kana, semuenzaniso, iwe ukasarudza chiyero chakatarwa chemondi kwenguva yakatarwa, ipapo panguva ino mari yemubereko yauchabhadhara icharamba yakafanana mwedzi wega wega.

Pakupera kwenguva yakatarwa, iwe unowanzo endeswa kune yako mukweretesi chiyero chakasiyana siyana, icho chinowanzova chakakwirira kudarika chero chakakosha chinopihwa chawakapinda machiri.

Panguva ino, iwe uchaona mari yako yekubhadhara ichiwedzera. Nekudaro, iwe uchave wakasununguka kudzoreredza nyowani yemortgage transaction, iyo inogona kubatsira kudzikisa kubhadhara kwako.

Kana ukasarudza chiyero chakasiyana chemortgage, ipapo huwandu hwemari yaunobhadhara hunogona kuchinja nekufamba kwenguva. Kana mubereko wadonha, donhwe iri rinogona kupfuudzwa kwauri uye uchaona mari yako yemwedzi ichidzikira.

Nekudaro, kana mitengo yembavha ichikwira, mari yekukwereta inokwira kune vanokweretesa, uye idzi mitengo yakakwira inowanzopfuudzwa kuvaridzi vedzimba. Muchiitiko ichi, mari yako yepamwedzi yaizowedzera. Ndosaka vatengi vazhinji vachisarudza mareti akatarwa kuti vaone kuti mubereko wavo uye mubhadharo wepamwedzi haushanduke.

Mumakore ekutanga emumba mako, yakawanda yemubhadharo wako wepamwedzi unoenda pakubhadhara chikwereti chako uye chidimbu chidiki kune mukuru wako. Zvishoma nezvishoma, iwe uchatanga kubhadhara zvimwe zvemukuru wako nekufamba kwenguva sezvo chikwereti chako chinodzikira.

✔️ Izvo zvikamu zvekubhadhara chikwereti

Mari yako yemwedzi yekubhadhara imba inogona kuvhara zvinhu zvakati wandei, kusanganisira:

🎯 Mukuru wechikwereti

The " mortgage capital »zvinoreva zvinhu zviviri. Inogona kureva mari yawakwereta. Inogonawo kureva mari yaunokwereta mushure mekubhadhara.

Somuenzaniso, kana iwe wakakwereta $200 uye ukadzorera $000, iyo yasara yepakati mari i $24. Chikamu chemubhadharo wega wega wekubhadhara mari inoiswa kune mukuru wako, zvichidzikisa huwandu hwese hwechikwereti nekufamba kwenguva.

🎯 mhindu pazvikwereti zvembatya

Chibereko chemubereko pane chako chemba chinoratidza mari yauchabhadhara mukweretesi pachikwereti. Chikamu chemari yemwedzi wega wega inoderedza mukuru wepamusoro uye chikamu chinoshandiswa mubereko. Mumakore mashoma ekutanga echikwereti, mari zhinji yemwedzi wega wega inobhadhara mubereko uye zvishoma zvinoshandiswa pamukuru.

Mumakore anotevera, yakawanda yekubhadhara inoderedza mukuru wechikoro. Iyi nzira inonzi depreciation.

🎯 Mitero yezvivakwa

Mukweretesi wako anogona kutora mutero weimba pamwe chete nekubhadhara kwako imba uye kubata mari muakaundi ye escrow kusvikira mutero wako wemutero wasvika, uchibhadhara pachinzvimbo chako panguva iyoyo.

🎯 inishuwarenzi yemba

Inishuwarenzi yemuridzi wemba, iyo inogona kuvhara kukanganisa kunokonzerwa nemoto, dutu, tsaona nedzimwe njodzi, inowanzodiwa nevakweretesi vemba. Vanogona kuunganidza ma premium nekubhadhara kwako kweimba uye vobva vabhadhara mari yeinishuwarenzi kubva muakaundi yako ye escrow kana yakafanira.

🎯 mortgage insurance

Paunoisa pasi pasi pe20%, vanokweretesa vanowanzokukumbira kuti ubhadhare inishuwarenzi yechikwereti chechikwereti. Inishuwarenzi iyi inodzivirira mukweretesi panjodzi yekutadza kubhadhara chikwereti.

Kune marudzi maviri: private mortgage insurance uye mafomu emortgage inishuwarenzi inodiwa pazvikwereti zvinotsigirwa nehurumende. MaPrimiyamu anogona kubhadhariswa kune yako yemwedzi nemwedzi yemortgage statement

✔️ Mhando dzakasiyana dzemortgages

Kune akati wandei marudzi emortgage zvikwereti anowanikwa kune vatengi. Zvinosanganisira zvakajairwa-fixed-rate mortgages, izvo zviri pakati Zvinonyanya kuzivikanwa, pamwe chete neinogadzirika mwero wemortgages uye inflatable mortgages. Vangangove vatengi vanofanirwa kutsvagisa sarudzo yakakodzera kune zvavanoda.

🎯 Fixed rate mortgages

Fixed rate mortgages inopa vanokwereta mubereko wakamisikidzwa pane imwe nguva yakatarwa kazhinji 15, 20 kana 30 makore. Nemubereko wakatarwa, kana nguva yekubhadhara yemukwereti ichipfupika, inokwirisa muripo wepamwedzi. Ukuwo, kana mukwereti achitora nguva yakareba kuti abhadhare, mari yekubhadhara yemwedzi ishoma.

Zvisinei, kana zvichitora nguva yakareba kuti ubhadhare chikwereti, ndipo paunozowedzera mubereko uyo mukwereti anozopedzisira abhadhara.

• Kubatsira

kunyanya mukana mukuru yemwero wakamisikidzwa wemortgage ndeyekuti mukwereti anogona kutarisira kuti mari yavo yemwedzi nemwedzi inogara iripo. Izvi zvinoita kuti bhajeti remhuri rive nyore uye zvinodzivirira imwe mari isingatarisirwe mwedzi nemwedzi. Kunyange kana mitengo yemusika ichikwira zvakanyanya, mukwereti haafaniri kubhadhara pamwedzi.

• Kukanganisa

Fixed rate transactions inowanzokwira zvishoma pane inosiyana-siyana yemortgages. Kana mubereko wakadzikira, haubatsirike.

Yambiro ku:

• Mari yekubhadhara kana iwe uchida kusiya chibvumirano kare - iwe unosungwa kwenguva yekugadzirisa.
• Kupera kwenguva yakatarwa - iwe unofanirwa kutsvaga chibvumirano chitsva chembandi mwedzi miviri kusvika mitatu isati yapera kana kuti iwe unozoendeswa kune yako mukweretesi chiyero chakasiyana, icho chinowanzokwira.

🎯 Variable rate mortgages

Nezvinogadziriswa zvikwereti zvemortgages, mubereko unogona kuchinja chero nguva. Ita shuwa kuti une mari yekuchengeta kuitira kuti ukwanise kuwedzera mubhadharo wako kana mitengo yakakwira. Variable rate mortgages inouya nenzira dzakasiyana siyana:

➤ Standard Floating Rate

Uyu ndiwo mubereko wakajairwa uyo wako mukweretesi wembavha anobhadharisa vatengi. Ichagara kwenguva yakareba sechikwereti chako kana kusvika wapedza imwe mortgage transaction. Shanduko muyero yemubereko inogona kuitika mushure mekuwedzera kana kuderera kweiyo base rate yakatarwa neBhangi.

Kubatsira

rusununguko - Unogona kubhadhara kana kusiya chero nguva.

Kukanganisa

Chiyero chako chinogona kuwedzera chero nguva panguva yechikwereti.

➤ zvikwereti zvembavha

Uku kuderedzwa kwemukweretesi kuchinjika mwero (TVS) uye inongoshanda kweimwe nguva yenguva, kazhinji makore maviri kana matatu. Asi zvakakodzera kutenga kumativi ose. TVS inosiyana pakati pevanokweretesa. Saka usafungidzire kuti kuderedzwa kwepamusoro, kuderera kwemhindu.           

Kubatsira

• Mutengo - chiyero chinotanga zvakachipa, izvo zvichachengeta kudzoreredza pamwedzi kuderera;
• Kana mukweretesi akadzikisa maTV avo, unobhadhara zvishoma mwedzi wega wega.

Kukanganisa

• Budgeting - mukweretesi akasununguka kuwedzera maTV avo chero nguva
• Kana mazinga eBhangi akawedzera, iwe uchaona kuderedzwa kwechiyero kuchiwedzera zvakare.

Chenjerera kumari kana uchida kuenda kusati kwapera nguva yekuderedzwa.

➤ Rate Capped Mortgages

Mari yako inowanzochinja neTVS yemukweretesi. Asi chivharo chinoreva kuti mwero haugone kudarika imwe nhanho.

Kubatsira

• Chokwadi - chiyero chako hachipfuure imwe nhanho. Asi ita shuwa kuti unokwanisa kudzosera mari kana ikarova iyo cap level.
• Zvakachipa - chiyero chako chichadzika kana TVS ichidzika.

Kukanganisa

• Sirin'i inoita kunge yakakwira zvakanyanya;
• Chiyero chacho chinowanzokwirira kudarika mamwe maitiro akasiyana-siyana uye akagadziriswa;
• Wako anokweretesa anogona kushandura chiyero chero nguva kusvika kune iyo cap level.

➤ Offset zvikwereti

Aya anoshanda nekubatanidza account yako yekuchengetedza uye account yazvino kune yako yembavha kuitira kuti iwe unongobhadhara mubereko pamusiyano. Iwe uchiri kubhadhara imba yako yemba mwedzi wega wega semazuva ese, asi mari yako yawakachengeta inoita sekubhadhara kwakanyanya kunobatsira kubvisa chikwereti chako nekukurumidza.

 ✔️ Nzira yekusarudza sei chikwereti chakanaka?

Musika wemortgage unokwikwidza zvinoshamisa uye zvinogona kunetsa kunzwisisa chaizvo izvo zvinopihwa. Kune vakawanda vakasiyana vatengesi uye huwandu hwakawanda hwe zvigadzirwa nemitengo iripo. Naizvozvo ipfungwa yakanaka kutaura nebhanga rako pamwe nevazhinji vakazvimirira vemortgage chipangamazano.

Vanokweretesa (kazhinji mabhangi) uye mabhuroka anofanira kukuraira kana uchikurudzira imba yemba. Vanozoongorora kuti imarii yekubhadhara imba yaungakwanise, vachitarisa mari yaunowana pamwe nekubhadhara chikwereti chako uye mari yemazuva ese. Izvi zvinoreva kuti iwe unofanirwa kupedzisira uine chikwereti chinoenderana nezvido zvako.

Kunyangwe vanokweretesa nemabhuroka vachifanira kupa zano mune dzinenge nyaya dzese, unogona kusarudza kuramba zano uye uwane yako yekutenga dhizaini zvichienderana nekutsvaga kwako. Kana ukasarudza yako mortgage pasina chiziviso, iyi inonzi application. kuurayiwa chete ".

✔️ Ndinonyorera sei mari yembavha?

Kunyorera imba yemba kazhinji inhanho mbiri. Danho rekutanga rinowanzo sanganisira tsvakiridzo yekukubatsira kuona kuti yakawanda sei yaunokwanisa kutenga uye kuti ndeapi marudzi e(s) emortgage yaungade.

Danho rechipiri nderokuti mukweretesi wemortgage achaita ongororo yakadzama yekukodzera uye, kana isati yakumbirwa, humbowo hwemari.

🎯 Chekutanga danho

Kazhinji, vanokweretesa vanokubvunza nhevedzano yemibvunzo kuti uone kuti ndeupi rudzi rwemortgage yaunoda uye kuti unoida kwenguva yakareba sei. Vachaedzawo kuona, pasina kupinda mune zvakawanda zvakadzama, mamiriro ako emari.

Izvi zvinowanzo shandiswa kupa chiratidzo chekuti ingani mukweretesi angave achida kukukweretesa. Vanofanirawo kukupa ruzivo rwakakosha nezvechigadzirwa, sevhisi yavo, uye chero muripo kana muripo, kana uripo.

🎯 Chechipiri nhanho

Kazhinji apa ndipo paunotanga application yako. Mukweretesi kana wemortgage broker anotanga " kuwanikwa kwechokwadi » yakazara uye yakadzama yekuongorora yembeu, iyo yauchazoda kupa humbowo hwemari yako chaiyo uye mari, uye “ kupikisa miedzo » nezvemari yako.

Izvi zvinogona kusanganisira kubvunzurudzwa kwakadzama kwemari yako uye zvirongwa zveramangwana zvinogona kukanganisa mari yako yeramangwana. Ivo vanozoongororawo maitiro ekubhadhara kwako kana mari dzemubereko dzichikwira mune ramangwana.

Kana chikumbiro chako chagamuchirwa, mukweretesi anokupa "chinosunga chinopihwa" uye gwaro rekuratidzira remba (s) rinotsanangura mazwi emumba mako.

Izvi zvichaperekedzwa ne“ nguva yekufungisisa »zvemazuva manomwe, izvo zvinokupa mukana wekuenzanisa uye kuongorora zvinorehwa nekubvuma kupihwa nemukweretesi wako. Vamwe vanokweretesa vanogona kukupa anopfuura mazuva manomwe ekuita izvi. Une kodzero yekuregedza iyi nguva yekufungisisa kuti ukurumidze kutenga imba yako kana uchida.

Munguva ino yekutonhodza, mukweretesi kazhinji haagone kugadzirisa kana kubvisa chaapihwa, kunze kwemamwe mamiriro mashoma.

✔️ Ndeupi musiyano uripo pakati pechikwereti chiri nyore uye chikwereti chemondi?

Izwi rokuti " gadzirira »inogona kushandiswa kutsanangura chero kutengeserana kwemari. Kutengeserana uko mumwe munhu anogamuchira chitsama chemari uye anobvuma kudzosera pakubhadhara kwemhindu.

Mortgage imhando yechikwereti chinoshandiswa kubhadharira chivakwa. Mortgage imhando yechikwereti, asi hazvisi zvese zvikwereti zvikwereti.

Mortgages zvikwereti kuvimbiswa ". Nechikwereti chakachengetedzwa, mukwereti anovimbisa kuchengetedza kune mukweretesi kana vakarega kubhadhara. Kana iri remba, chibatiso ndiyo imba. Kana ukarega kubhadhara chikwereti chako, mukweretesi wako anogona kutora imba yako.

🎯 Muchidimbu…

Chikwereti chemba (mortgage loan) chikwereti chinoshandiswa kutenga imba kana kugadziridza mari yemba. Iwe unogara uchibhadhara pachikwereti kusvika chabhadharwa mushure memakore akati.

Kunyanya, remba igwaro repamutemo rinobvumira mukweretesi wako kutora imba kana ukasabhadhara chikwereti sezvakabvumiranwa. Mune dzimwe nyika, gwaro iri rinonzi trust deed.

Kana uchinge wabhadhara chikwereti, iwe ndiwe weimba, kana " vakasununguka uye zvakajeka ". Kodzero yepamutemo yemukweretesi yekutorera imba yako inonyangarika.

Paunenge uchienzanisa izvi zvinopihwa, rangarira kutarisa mari dzekubvisa, pamwe nezvirango zvekubuda. Usati waenda, heino dzidziso inokubvumira kuti uite tenzi kutengesa muawa imwe chete. Dzvanya pano kuti uitenge

Nezvese zvinokunetsa, ndisiye mhinduro