Adjustable-rate Mortgages Ari Kuva
Zvakawanda uye Zvakanyanya Kuzivikanwa Mazuva Ano
05/19/2022
Sekureva kweMortgage Bankers Association, zvinodiwa zvekugadziriswa-mwero wemongi, kana maARM, zvakarova makore gumi nemana akakwira svondo rapfuura.Sezvo mhindu inokwira, vanokwereta vanotanga kutsvaga sarudzo dzakachipa kuti vatarisane nekukwira kwemitengo yekukwereta.
Asi nemitengo yemumba ichikwira, zvikwereti izvi zvichava dambudziko zvakare sezvavakaita mukudonha kwezvivakwa pamberi peKuderera kukuru?Sekureva kwenyanzvi, hazvigoneke nekuti zvikwereti izvi zvakaomarara kupfuura zvakapfuura, asi zvinogona kunge zvisina kukodzera munhu wese.
Maererano nedzimwe nyanzvi, sezvo zvakanga zviri nyore zvikuru kuwana mbavha kare, vamwe vakwereti vaigona kureva nhema pamusoro pemari yavanowana uye kazhinji kazhinji kuwana zvikwereti zviri nyore.Asi nhasi, zviri kuramba zvichiwedzera kuomesa.
Sekureva kwaFreddie Mac., mitengo pamakumi matatu-yegore yakagadziriswa mortgages yakasvika 5.3% svondo rapfuura, iyo yepamusoro-soro kubva muna Chikunguru 2009 uye kubva pa3.22% muvhiki yekutanga yegore.30-year fixed mortgages ndiyo inonyanya kufarirwa zvikwereti zvekutenga imba.
Nhoroondo, maARM anga ari imwe nzira inoyevedza kune vanokwereta vachitsvaga yakaderera yekutanga mwero kana ichienzaniswa neyechinyakare yakatarwa-chiyero chemondi.
Kusiyana neyechinyakare mortgage, ine yakatemerwa mubereko wenguva yese yechikwereti, mubhadharo weARM unogona kuchinjika nekufamba kwenguva.Mari yemubereko inodzoserwa mushure menguva yavakabvumiranwa uye icharatidza mamiriro azvino emubereko, zvichiita kuti mubhadharo wepamwedzi ukwire kana kudzikira.
Mazuva ano maARM akasiyana neaya ari muna 2008 pakuti anodzorwa zvakanyanya.Iyo mitsva mirairo cap rate gadziriso, iyo inomisa muzana yekuwedzera panguva uye pamusoro pehupenyu hwechikwereti, ichideredza njodzi yekubhadhara kushamiswa kunogona kuitika kune vanokwereta.Chikwereti uye mihoro miyero zvakare yawedzera kuomesera, zvichibvumira vanokweretesa kuti vaone kuti ARM ichava mhinduro inokwanisika yenguva refu kune vanokwereta.
Nemitengo yembangi inosvika pa5%, vatengi vakawanda uye vangangove vatengi vanokwira kuenda kune inogadziriswa-mwero wemondi.Sekureva kweMortgage Bankers Association, chikamu cheARM chakakwira zvakapetwa katatu kupfuura kutanga kwa2022.
Ndiani anofanira kuwana ARM?
Kana vanokwereta vachitsvaga muyero wakaderera, inogadziriswa-mwero wemondi inogona kuve mukana wakanaka wekuwana zororo pamubhadharo wavo wepamwedzi - asi haugare.
Sekureva kwedzimwe nyanzvi, vatengi venguva yekutanga vanogona kutora mukana weiyo yakaderera-yekufarira mitengo yeArM panguva yakatarwa vasati vatengesa.Asi vasati vatora chero danho, vanokwereta vanofunga nezve inogadziriswa-chiyero chemondi vanofanirwa kunyatsoita basa ravo rechikoro uye kushandisa amortization calculator kuti vatarise kuti mari yavo yembavha inogona kuchinjika sei mumakore matanhatu uye kana vachikwanisa kubhadhara.
Chirevo: Ichi chinyorwa chakagadziridzwa neAAA LENDIS;mamwe emifananidzo akatorwa kubva kuInternet, nzvimbo yesaiti haina kumiririrwa uye haigone kudhindwa zvakare pasina mvumo.Pane njodzi mumusika uye mari inofanira kungwarira.Ichi chinyorwa hachiumbe zano rekudyara wega, uye haritarise zvinangwa zvekudyara, mamiriro emari kana zvinodiwa zvevashandisi vega.Vashandisi vanofanirwa kufunga kuti chero maonero, maonero kana mhedziso dzirimo dzirimo dzakaenderana nemamiriro avo ezvinhu.Isai mari zvinoenderana nenjodzi yenyu.
Nguva yekutumira: May-19-2022