Iyo inogadziriswa-chiyero chemondi
Inofanirwa Kutariswa Nevakwereta
06/09/2022
Sezvo mitengo yemba mumavhiki apfuura yakakwira kusvika kumazinga asina kuonekwa mumakore anopfuura gumi, vanokwereta dzimba vari kufunga nezvesarudzo dzavo dzemari.Sekureva kweMortgage Bankers Association, muvhiki yekutanga yaChivabvu, ingangoita gumi nerimwe muzana yezvikumbiro zvembangi yaive yeinogadziriswa-remo remba (ARMs), kanenge kaviri mugove weARM zvikumbiro mwedzi mitatu yapfuura apo mitengo yembavha yaive yakaderera.
Sekureva kwedzimwe nyanzvi dzine ruzivo, vanokwereta vave kuvhurika kune maARM nekuda kwekuchengetedza kunogona kuitika.Mamiriro ese akasiyana, asi isu tinoona kufarira kubva kekutanga-nguva uye kudzokorora vatengi.Vazhinji vanokwereta vari kunyatso ongorora sarudzo dzavo dzine chekuita neinogadziriswa-mwero wemondi maringe neyakagadziriswa-mwero wembavha.Vatengi vanodzokorora vakavhurika pakusarudza ARM, nepo vatengi vekutanga vepamba vachiri kuenderera mberi ne30-year fixed-rate mortgages.
Kana mareti emubereko achikwira, vanokwereta vanoda ARM nekuda kwezvikonzero zvinotevera:
Chekutanga, ARM ichiri kubatsira kana vanokwereta vakaziva kuti havazove vakatakura chivakwa chenguva yemakore gumi nemashanu kana makumi matatu emubhadharo wakatemwa.Chechipiri, chirevo chakawana kuti kugona kwedzimba kwakawedzera - asi kwete kwese.Kana mareti emubereko achikwira, vanokwereta vanowanzofunga nezve ARM netariro yekuti mitengo ichadonha mune ramangwana.Chechitatu, vamwe vanokwereta vanogona kuziva kuti vachangove varidzi venzvimbo (kana kuibhadhara) kwemakore mashanu kusvika gumi, vachiita ARM yakanakira chirongwa chavo chemari.
Zvakanakira zveARM
MaARM ane mibairo yakaderera panguva yekutanga (semuenzaniso, makore mashanu, manomwe kana gumi), saka mubhadharo wepamwedzi wemondi wakadzikira zvakanyanya pane 30-year fixed-rate loan.Kunyange kana mareti emubereko achikwira kumusoro mune ramangwana, vanokwereta vanowanzowana mari yakawanda panguva iyoyo.MaARM anopa yakawedzera kubuda kwemari nekuti mubereko wakabatana neyakagadzika-chiyero chikamu chemondi yakadzikira kudzamara mareti emubereko agadziriswa.MaARM anobvumira vanokwereta kuti vakwanise kutenga imba inodhura zvakanyanya pamutengo wakaderera wekubhadhara.
Zvakaipa zveARM
Mitengo yeARM inowanzodzikira pane yakatarwa-chiyero chemondi.Nekudaro, varidzi vedzimba vanozove pasi pekuchinja kwemusika uye isingatarisike mubereko.Kana mibairo yakakwira zvakanyanya, inogona kuwedzera zvakanyanya mubhadharo wedzimba dzevanokwereta uye zvinogona kuvaisa mumatambudziko emari.Hapana anonyatsoziva zvichaitika kumibereko.Kana mibairo ichikwira, vanokwereta vanogona kunge vari pachinzvimbo chemari chepamusoro kuti vakwanise kubhadhara mari yakawanda.Iyo yakaderera muARM ine chekuita nekusazivikanwa kweramangwana remhindu nharaunda.Kuwedzera kwe2% mumari yemubereko pachikwereti che $500,000 (kubva pa4% kusvika 6%) chaizowedzera mukuru uye mubereko ne $610 pamwedzi.
MaARM akashanda sei?
MaARM anowanzo ane 5, 7, kana 10 makore ekutanga yakatarwa-chiyero temu.Kana nguva yakatarwa yapera, mubereko unowanzo gadziriswa mwedzi mitanhatu yega yega kana pagore.
Mari dzakatarwa dzevakwereta dzakadzikira kwenguva yekutanga yechikwereti, kazhinji makore mashanu, manomwe, kana gumi.Zvichienderana nemamiriro echikwereti chemukwereti, mubereko unogona kuwedzera ne2% pagore pakupera kwetemu iyoyo, asi haungapfuuri 5% yehupenyu hwechikwereti.Mari dzemhindu dzinogonawo kudzikira.Mushure menguva yekutanga yakatarwa, mubhadharo mutsva wevakwereta unozogadziriswa zvichienderana nechiyero chikuru panguva iyoyo.Semuenzaniso, mubereko unogona kuwedzera ne2%, asi chiyero chechikwereti chevakwereta chinogona kuderera nemadhora makumi mana ezviuru.
Vanobatsirwa uye Vasiri-vabatsiri veARM
ARM inogona kunge iri sarudzo yakanaka kune vanokwereta vanoziva kuti havazochengete pfuma yavo kwenguva yakareba kupfuura yakatarwa-chiyero chenguva yeARM.MaARM isarudzo kana mukwereti aine mari yekukwanisa kumirisana nekuchinja kukuru kwemhindu uye pamwe nekubhadhara kwakakwira.Vamwe vanokwereta vanosarudzawo maARM kana vaine chokwadi chekuti maitiro azvino ekukwira nekukwira kwemitengo haigoneke uye kuti mitengo inodonha uye inovabvumira kuti vadzorerwe mune ramangwana.Nekudaro, vazhinji vanokwereta vanosarudza kuchengetedzeka kwemari kweyakagadziriswa-chiyero chemortgage chigadzirwa.
Kana vanokwereta vaine chirango chakanaka chemari, maARM isarudzo dzinogoneka.Kana vakatakura chikwereti chakakura chinogona kuwedzera nekufamba kwenguva, ARM inogona kuva nengozi mune zvemari.MaARM anoshandira vanokwereta zvakanyanya vanoziva kuti imba yavo yemba inongove pachivakwa kweiyo yekutanga yakatarwa-chiyero nguva.Mamiriro ezvinhu aya anodzivirira kusava nechokwadi kwemari yemubereko yeramangwana.
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: Jun-10-2022