Sezvo Mberero Yanhasi Inodzikira Zvishoma,
Refinance Maybea Sarudzo yakanaka
05/28/2022
Maererano nehurongwa hwemazuva ano, makore gumi nemashanu nemakore makumi maviri ekubhadhara mari yekubhadhara mari yakadonha zvishoma kana ichienzaniswa nesvondo rapfuura, ichipa mikana yakawanda yekuchengetedza varidzi veimba vachivhara mune imwe yemitengo yenguva pfupi.Zvisinei, mitengo yemakore makumi matatu ichiri pamusoro pe5%, saka varidzi vemba vari kutsvaga kugadzirisa mari vanogona kunge vane mari yakawanda munguva pfupi.
Mazuva ano mamortgage rates anobvumira vanokwereta kuti vavhare mumutengo wakaderera.Vanokwereta vanogona kubata mubhadharo wepamwedzi wepamusoro vanogona kufunga kuvhara muyero yegumi nemashanu-yemakore, iyo yakadonhawo.Chiyero chemakore gumi nemashanu chinogona kupa mari yakawanda yekuchengetedza kune vanokwereta kupfuura chiyero chenguva refu.Chero chiyero chevanokwereta vanosarudza, vangangoda kuita nekukurumidza pane kuti vavhare muyero pamberi pekuwedzera kweramangwana.
Mari yemortgage yachinja sei nekufamba kwenguva?
Sekureva kwaFreddie Mac, mitengo yemumba yanhasi iri pasi peyero yepamusoro-soro yepaavhareji — 16.63% muna 1981. Denda reCOVID-19 rakarova hupfumi pasi rose.Muna 2019 avhareji yemubereko pamakore makumi matatu yakatarwa-reti remba yaive 3.94%, nepo muna 2021, muyero wepakati pamakumi matatu-yemakore-yakagadziriswa-reti remba yaive 2.96%, yakaderera pagore avhareji mumakore makumi matatu.
Kudonha kwenhoroondo kwemitengo yemubereko kunoreva kuti varidzi vedzimba vane mbavha dzemba kubva muna 2019 kana kutanga kwa2019 vanokwanisa kuwana mari yakakosha yekuchengeta nekubhadhara mari pane imwe yemitengo yakaderera yanhasi.Zvakakosha kufunga nezvekuvhara mari dzakadai sekuongorora, kushanda, mavambo uye mari yegweta paunenge uchifunga nezvekubhadhara imba kana kudzorera.Pamusoro pechiyero chemubereko uye huwandu hwechikwereti, zvese izvi zvinhu zvinogona kuwedzera kumutengo wechikwereti.
D ifferences Between Fixed and Adjustable-rate Mortgage Interest Rates
Sezvo Adjustable-rate Mortgage Interest Rates achiwedzera kufarirwa, vanokwereta vanofanira kuziva mabatiro avanoita mitengo yemubereko?
Fixed-rate mortgages haishanduke pamusoro pehupenyu hwechikwereti, asi inowanzove yakakwirira kupfuura yekutanga inogadziriswa-yero yemortgage mhindu.
Mareti ekutanga emubereko emamortgage anochinjika, kana maARM, anowanzo kuderera pane yakatarwa-remo remba.Asi mushure menguva yekusuma, mubereko wemaARM uchachinja, uye unogona kuwedzera zvakanyanya.Nguva dzekusuma dzinogona kusiyana kubva pamwedzi yakati wandei kusvika pagore kana makore mashoma.Mushure menguva yekusuma, mubereko wevakwereti uchabva pane indekisi yakataurwa nemukweretesi.MaARM anogona kana kusaganhurira kuti ingani mibairo yevakwereta inogona kuwedzera.
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-28-2022