10/18/2023

Kusarudza mhando yemhando yemortgage isarudzo yakakosha iyo inogona kuve nekukanganisa kwakakosha mune ramangwana rako remari.Sarudzo mbiri dzakakurumbira ndeye fixed-rate mortgage (FRM) uye inogadziriswa-chiyero mortgage (ARM).Mugwaro rino, tichaongorora misiyano yakakosha pakati pemhando mbiri idzi dzemortgage uye topa ruzivo rwekuita sarudzo ine ruzivo zvichienderana nemamiriro ako emari akasiyana.

Kunzwisisa Fixed-Rate Mortgages (FRM)

Tsanangudzo

A fixed-rate mortgage imhando yechikwereti uko mubereko unoramba uripo panguva yese yechikwereti.Izvi zvinoreva kuti mukuru wako wepamwedzi uye mubhadharo wemubereko unoramba usina kuchinjika, zvichipa kufanotaura uye kugadzikana.

Pros

1. Kubhadhara Kunofanotaurwa: Nechiyero-yemwero wembangi, mari yako yepamwedzi inotarisika uye haichinji nekufamba kwenguva, zvichiita kuti zvive nyore kuita bhajeti.
2. Kugadzikana Kwenguva Yakareba: Inopa kugadzikana kwenguva refu uye dziviriro kubva pakuchinja kwemhindu.
3. Zviri Nyore Kunzwisisa: Zviri nyore uye zvakanangana, zvichiita kuti zvive nyore kune vanokwereta kuti vanzwisise mazwi echikwereti chavo.

Cons

1. Higher Initial Rates: Fixed-rate mortgages inowanzouya nepamusoro pekutanga mubereko kana ichienzaniswa neyekutanga mitengo yezvinogadziriswa-mwero wemortgages.
2. Kuderera Kuchinjika: Kuderera kuchinjika kana kuchienzaniswa neinogadziriswa-mwero wembavha kana mhindu yakadzikira.

Kunzwisisa Adjustable-Rate Mortgages (ARM)

Tsanangudzo

An adjustable-rate mortgage chikwereti chine mubereko chinogona kuchinja nguva nenguva.Shanduko idzi dzinowanzo kusungirirwa kune indekisi yezvemari uye inoenderana nekugadziriswa nguva nenguva zvichienderana nemamiriro emusika.

Pros

1. Lower Initial Rates: MaARM anowanzo kuuya neakaderera ekutanga mubereko, zvichikonzera kuderera kwekutanga kubhadhara pamwedzi.
2. Zvinogona Kubhadhara Zvishoma: Kana mibairo ikadzikira, vanokwereta vanogona kubatsirwa kubva pamari yakaderera pamwedzi.
3. Kuchengeta Kwenguva Yenguva Pfupi: Inogona kupa mari yenguva pfupi kana ichienzaniswa neredhiyo yakatarwa, kunyanya munzvimbo ine mubereko wakaderera.

Cons

1. Kubhadhara Kusina chokwadi: Mari yemwedzi nemwedzi inogona kuchinjika, zvichitungamira mukusavimbika uye mubhadharo ungangokwirisa kana mubereko ukakwira.
2. Kuomarara: Iko kuomarara kwezvinochinjika-mwero wembavha, ine zvinhu zvakaita seyekugadziridza caps uye index index, zvinogona kunetsa kune vamwe vanokwereta kuti vanzwisise.
3. Chibereko Chekuita Njodzi: Vanokwereta vanotarisana nenjodzi yemhindu inowedzera nekufamba kwenguva, zvichikonzera kukwira kwemitengo yese.

Zvinhu Zvokufunga nezvazvo Muchisarudzo Chako

1. Zvinangwa Zvemari

• FRM: Inokodzera avo vari kutsvaga kugadzikana kwenguva refu uye muripo unofanofungidzira.
• ARM: Yakakodzera vanhu vakagadzikana neimwe nhanho yekusavimbika kwekubhadhara uye kutsvaga mari yenguva pfupi yekuchengetedza.

2. Market Conditions

• FRM: Inofarirwa munzvimbo yakaderera-mubereko-chiyero kuvhara muyero yakanaka.
• ARM: Inotariswa kana mibairo inotarisirwa kuramba yakagadzikana kana kuderera.

3. Kushivirira Kwengozi

• FRM: Yakanakira avo vane njodzi yakaderera kushivirira vanoda kudzivirira kuchinja kwemitengo.
• ARM: Inokodzera vanhu vane njodzi yakanyanya kushivirira vanogona kubata mari inogona kuwedzera.

4. Hurefu Hwemuridzi

• FRM: Inokodzera avo vari kuronga kugara mudzimba dzavo kwenguva yakareba.
• ARM: Inogona kunge yakakodzera kune zvirongwa zvenguva pfupi zvevaridzi vemba.

5. Future Interest Rate Zvinotarisirwa

• FRM: Kana mibairo yakadzikira kana inotarisirwa kukwira mune ramangwana.
• ARM: Kana mibairo yakagadzikana kana inotarisirwa kudzikira.

Mhedziso

Mukupedzisira, sarudzo pakati peiyo yakatarwa-mwero wemondi uye inogadziriswa-chiyero chemondi zvinoenderana nemamiriro ako ega ega, zvibodzwa zvemari, uye kushivirira njodzi.Kuongorora mamiriro emusika aripo uye kunyatsofunga zvinhu zvataurwa pamusoro apa zvinokupa simba rekuita sarudzo ine ruzivo inoenderana nekugara kwako kwemari kwenguva refu.Kana usina chokwadi, kubvunzana nenyanzvi yemortgage kunogona kukupa ruzivo rwakakosha rwunoenderana nemamiriro ako chaiwo.Rangarira, iyo yekukwereta yemunhu mumwechete inogona kunge isiri iyo yakanakira mumwe, saka tora nguva yekuongorora sarudzo dzako uye sarudza iyo inoenderana nezvido zvako uye zvaunofarira.

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.