08/21/2023

Kana tichitenga imba, tinowanzo funga nezvemhando dzakasiyana dzezvikwereti, kusanganisira mhando mbiri huru: yakatarwa chiyero zvikwereti uye inogadziriswa chiyero zvikwereti.Kuziva mutsauko uripo pakati pemhando mbiri idzi kwakakosha pakuita sarudzo yakanakisa yechikwereti.Muchinyorwa chino, tichanyura mumabhenefiti eiyo yakatarwa-mwero wemondi, tiongorore maficha einogadziriswa-mwero wemondi, uye tokurukura maverengero emari yako yekubhadhara imba.

Benefits yeFixed Rate Mortgage
Fixed-rate mortgages ndeimwe yemhando dzakajairika dzezvikwereti uye dzinowanzo kupihwa mugumi-, 15-, 20-, uye 30-makore matemu.Kubatsira kukuru kwe-fixed-rate mortgage ndiko kugadzikana kwayo.Kunyange kana mibairo yemusika ichichinja, mubereko wechikwereti unoramba wakafanana.Izvi zvinoreva kuti vanokwereta vanogona kunyatsoziva kuti imarii yavanobhadhara mwedzi wega wega, zvichivabvumira kuronga zvirinani uye kutonga bhajeti ravo rezvemari.Nekuda kweizvozvo, zvikwereti zvakatemerwa zvikwereti zvinofarirwa nevanoisa mari munjodzi nekuti vanodzivirira kubva pazvingangoita mubereko wemangwana.Zvinokurudzirwa Zvigadzirwa:QM Community Chikwereti,DSCR,Bank Statement.

Adjustable Rate Mortgage Analysis
Kusiyana neizvi, mareti emongi anogadziriswa (ARMs) akanyanya kuomarara uye anowanzo kupa sarudzo senge 7/1, 7/6, 10/1 uye 10/6 ARMs.Rudzi urwu rwechikwereti runopa mubereko wakatarwa pakutanga, mushure mezvo mubereko unogadziriswa zvinoenderana nemamiriro emusika.Kana mitengo yemusika yadonha, unogona kubhadhara mubereko wakaderera pane inogadziriswa-chiyero chemondi.

Semuyenzaniso, mu7/6 ARM, “7″ inomiririra nguva yekutanga yakatarwa, zvichireva kuti mubereko wechikwereti unoramba usina kuchinja kwemakore manomwe ekutanga.Iyo "6" inomiririra kuwanda kwekugadziriswa kwechiyero, zvichiratidza kuti mwero wechikwereti unogadzirisa mwedzi mitanhatu yega yega.

Mumwe muenzaniso weizvi ndewe "7/6 ARM (5/1/5)", apo "5/1/5" mumabhuraketi inotsanangura mitemo yekugadzirisa chiyero:
· Yekutanga "5" inomiririra huwandu hwehuwandu hwehuwandu hunogona kugadzirisa nguva yekutanga, iyo iri mugore rechinomwe.Semuenzaniso, kana chiyero chako chekutanga chiri 4%, zvino mugore rechinomwe, chiyero chinogona kuwedzera kusvika ku4% + 5% = 9%.
· Iyo "1" inomiririra huwandu hwehuwandu hunogona kugadzirisa nguva imwe neimwe (mwedzi mitanhatu yega yega) mushure.Kana chiyero chako chaiva 5% nguva yapfuura, zvino mushure mekugadzirisa kunotevera, chiyero chinogona kukwira kusvika ku5% + 1% = 6%.
· Yekupedzisira "5" inomiririra iyo yakanyanya muzana iyo chiyero chinogona kuwedzera pamusoro pehupenyu hwechikwereti.Izvi zvinoenderana nechiyero chekutanga.Kana chiyero chako chekutanga chaive 4%, ipapo pamusoro penguva yese yechikwereti, chiyero hachipfuure 4% + 5% = 9%.

Nekudaro, kana mitengo yemusika ichikwira, ungangofanira kubhadhara mubereko wakawanda.Uyu munondo unocheka kumativi maviri;nepo ichigona kuve nekuwedzera mabhenefiti, inouyawo nenjodzi dzakakwirira.Zvinokurudzirwa Zvigadzirwa:Full Doc Jumbo,WVOE&Kuzvigadzirira P&L.

Maitiro ekuverenga yako Mortgage Payment
Hazvina mhosva kuti ndeupi rudzi rwechikwereti rwaunosarudza, zvakakosha kuti unzwisise kuti mari yako yekubhadhara imba inoverengwa sei.Mukuru wechikwereti, chiyero chemubereko uye temu ndizvo zvakakosha zvinokanganisa huwandu hwekubhadhara.Muchikwereti chechikwereti, sezvo mubereko usingachinji, madzoro anoramba akafanana.

1. Kuenzana Mukuru uye Kufarira Nzira
Iyo yakaenzana principal uye mubereko nzira ndiyo yakajairika yekudzorera nzira, apo vanokwereta vanodzorera mari yakafanana yemukuru uye mhindu mwedzi wega wega.Muchikamu chekutanga chechikwereti, mari zhinji yekubhadhara inoenda kune mubereko;munguva inotevera, yakawanda yacho inoenda kumubhadharo mukuru.Mari yekubhadhara pamwedzi inogona kuverengerwa uchishandisa fomura rinotevera:
Monthly Repayment Amount = [Mukuru weChikwereti x Chibereko CheMwedzi x (1+Mbereko Yechibereko Yepamwedzi)^Nguva Yechikwereti] / [(1+Mbereko Yechibereko Yepamwedzi)^Nguva Yechikwereti - 1]
Uko mubereko wepamwedzi wakaenzana nemubereko wepagore wakakamurwa negumi nemaviri, uye nguva yechikwereti inguva yechikwereti mumwedzi.

2. Equal Principal Method
Nheyo yenzira huru yakaenzana ndeyokuti kubhadharwa kwemukuru wechikoro kunoramba kwakafanana mwedzi woga woga, asi mubereko unodzikira mwedzi woga woga nekuderedzwa zvishoma nezvishoma kwemukuru asingabhadharwi, nokudaro mari yekubhadhara yemwedzi nemwedzi inodererawo zvishoma nezvishoma.Mari yekubhadhara yemwedzi wenth inogona kuverengerwa uchishandisa inotevera formula:
Kubhadhara kweMwedzi wemwedzi = (Mukuru weChikwereti / Nguva Yekukwereta) + (Mukuru weChikwereti - Yese Yakabhadharwa Mukuru) x Mwedzi Wemhindu yeMwedzi
Pano, iyo yakadzoserwa mukuru wechikoro imari yemukuru akabhadharwa mumwedzi (n-1).

Ndokumbira utarise kuti nzira yekuverenga iri pamusoro ndeye yezvikwereti zvakatarwa.Kune zvinogadziriswa zvikwereti zvechikwereti, kuverenga kwakanyanya kuoma nekuti mubereko unogona kuchinja nemamiriro emusika.

Kunyange zvazvo pfungwa ye-fixed-rate uye inogadziriswa-reti yemortgages iri nyore, pane zvimwe zvakakosha zvinotariswa.Semuenzaniso, yakatarwa-mwero yemortgage inopa kudzoreredza kwakatsiga, asi iwe unogona kusakwanisa kutora mukana weyero yakaderera kana mitengo yemusika yadonha.Nekune rimwe divi, nepo inogadziriswa-mwero wemoti inogona kupa yakaderera yekutanga mubereko, iwe unogona kunge uri pasi pemubhadharo wepamusoro kana mitengo yemusika ichikwira.Naizvozvo, vanokwereta vanofanira kuenzanisa kugadzikana uye njodzi, kuongorora misika dynamics zvakadzama, uye kuita sarudzo dzakanakisa.

Paunenge uchisarudza pakati peyakagadziriswa-mwero kana shanduko-yemwero yechikwereti, zvakakosha kufunga nezvemamiriro ako emari, kushivirira njodzi, uye mamiriro emusika.Dzidza mutsauko, zvakanakira nezvayakaipira, uye dzidza maitiro ekuverenga yako yekubhadhara imba.Ruzivo urwu rwakakosha pakugadzira nzira yakakodzera yekukweretesa.Tinovimba kuti nhaurirano iri muchinyorwa chino yakubatsira kuti unzwisise zviri nani uye usarudze chikwereti chakanakisa pane zvaunoda.

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.