08/16/2023

Refinancing a mortgage, inozivikanwawo se "re-mortgaging," imhando yemaitiro echikwereti apo varidzi vemba vanogona kushandisa chikwereti chitsva kubhadhara chikwereti chavo chemba chiripo.Varidzi vedzimba muUS vanowanzo sarudza kubhadharisa mari kuti vachengetedze mamiriro echikwereti anofadza, senge mareti emubereko akaderera kana mamwe mazwi ekubhadhara anodzoreka.

Refinancing inowanzoitika muzviitiko zvinotevera:

1. Kuderera Kwemari Yemhindu: Kana mubereko wepamusika uri kuderera, varidzi vedzimba vangasarudza kubhadharazve mari kuti vawane mwero mutsva, wakaderera, kuderedza mubhadharo wepamwedzi uye mubereko wose wakabuda.
2. Kuchinja Nguva Yekukwereta: Kana varidzi vemba vachida kubhadhara chikwereti nekukurumidza kana kuderedza mari yavo yemwedzi wega wega, vanogona kusarudza kuchinja nguva yechikwereti kuburikidza nekubhadhara zvakare.Semuenzaniso, kuchinja kubva pamakore makumi matatu ekukwereta kusvika kune makore gumi nemashanu, uye zvakasiyana.
3. Kusunungurwa kweEquity: Kana ukoshi hwemba hwawedzera, varidzi vemba vanogona kutora imwe yendyiko yemba (musiyano uri pakati pekukosha kwemba nechikwereti chasara) kuti isangane nezvimwe zvinodikanwa zvemari, zvakadai sokuvandudza imba kana kuti mari yedzidzo, kuburikidza ne refinancing.

Maitiro Ekuchengetedza Mari neMortgage Refinancing
MuUS, kudzoreredza kwemondi inzira iyo varidzi vemba vanogona kuchengetedza mari nenzira dzinotevera:

1. Kuenzanisa Mari dzeMbereko: Imwe yezvakanakira kudzorera mari ndeye mukana wekuchengetedza mubereko wakaderera.Kana mubereko wechikwereti chako uripo wakakwira kupfuura mwero wemusika, ipapo kubhadhara mari inogona kunge iri nzira yakanaka yekuchengetedza pamitengo yemubereko.Nekudaro, usati waita sarudzo, iwe unofanirwa kuverenga kuti imarii yaunogona kuchengetedza uye kuti izvi zvinodarika mutengo wekudzoreredza mari.
2. Kugadzirisa Nguva Yekukwereta: Nekupfupisa nguva yechikwereti, unogona kuchengetedza mari yakawanda mukubhadhara mubereko.Semuenzaniso, kana ukachinja kubva pamakore makumi matatu kuenda kumakore gumi nemashanu ekukwereta, mari yako yemwedzi nemwedzi inogona kuwedzera, asi mubereko wese waunobhadhara uchadzikira zvakanyanya.
3. Kubvisa Private Mortgage Inishuwarenzi (PMI): Kana kubhadhara kwako kwekutanga pachikwereti chekutanga kwaiva pasi pe20%, ungafanira kubhadhara private mortgage insurance.Nekudaro, kana imba yako yakaenzana yadarika makumi maviri muzana, kubhadharira mari kunogona kukubatsira kubvisa inishuwarenzi iyi, nekudaro kuchengetedza pamitengo.
4. Fixed Interest Rates: Kana uine Adjustable Rate Mortgage (ARM), uye uchitarisira kuti mhindu ikwire, ungada kuchinjira kuchikwereti chakatarwa kuburikidza nerefinancing, izvi zvinogona kukuvhara mumutengo wakaderera.
5. Kubatanidza Chikwereti: Kana uine zvikwereti zvine mubereko mukuru zvakadai sezvikwereti zvekadhi rechikwereti, unogona kufunga nezvekushandisa mari kubva pakudzorerazve kubhadhara zvikwereti izvi.Asi yeuka kuti kufamba uku kunoshandura zvikwereti zvako kuita remba;kana ukatadza kubhadhara nenguva, unogona kurasikirwa nemba yako.

AAA LENDINGS ine zvigadzirwa zvakanangana nekugadzirisa zvinodiwa:

HELOC- Pfupi yeKumba Equity Mutsetse weChikwereti, imhando yechikwereti inotsigirwa neiyo equity yemba yako (musiyano pakati pekukosha kwemusika wemba yako nechikwereti chako chisina kubhadharwa).AHELOCrakanyanya kufanana nekadhi rechikwereti, richikupa mutsara wechikwereti waunogona kukwereta kubva kwauri sezvinodiwa, uye unongoda kubhadhara mubereko pamari chaiyo yaunokwereta.

Yakavharwa Kupera Kwechipiri (CES)- inozivikanwawo sechipiri chemondgage kana imba yekuenzanisa chikwereti, imhando yechikwereti apo imba yemukwereti inoshandiswa sechibatiso uye ndeyechipiri pakutanga kune yekutanga, kana yekutanga, yembavha.Mukwereti anogamuchira kamwe-kamwe chitsama chemari.Kusiyana aHELOC, iyo inobvumira vanokwereta kutora mari sezvinodiwa kusvika kune yakatarwa mutsara wechikwereti, aCESinopa mari yakatarwa kuti idzoserwe pane imwe nguva yakatarwa pamutengo wakatarwa.

Terms & Conditions of Refinancing
Mitemo nemamiriro ekudzoreredza akakosha kune varidzi vemba sezvo ivo vachiona iyo yakazara mutengo uye mabhenefiti ekubhadhara kwako.Chekutanga, unofanirwa kutarisa nekunzwisisa mwero wemhindu uye Annual Percentage Rate (APR).Iyo APR inosanganisira kubhadhara mubereko uye mamwe madhiri semari yekutanga.

Chechipiri, ziva nezvenguva yechikwereti.Zvikwereti zvenguva pfupi zvinogona kunge zvine mubhadharo wepamwedzi wepamusoro asi unozochengetedza zvakawanda pamubereko.Zvikwereti zvenguva refu, kune rumwe rutivi, zvichava nekubhadhara kwakaderera pamwedzi asi mari yese yemubereko inogona kunge yakakwira.Chekupedzisira, nzwisisa muripo wepamberi, semubhadharo wekuongorora uye muripo wekugadzirira magwaro, sezvo izvi zvichigona kushanda kana iwe uchivandudza.

Mhedzisiro yeMortgage Default
Kukanganisa inyaya yakakomba uye inofanira kudziviswa kana zvichiita.Kana iwe usingakwanise kudzosera iyo refinance mortgage, unogona kutarisana nemhedzisiro inotevera:

1. Kukuvadzwa kweChikwereti Chibodzwa: Kusagarisa kunogona kuve nekukanganisa kwakanyanya pachikwereti chako, zvichikanganisa manyorerwo echikwereti emangwana.
2. Kuvharirwa: Kana ukaramba uchitadza kubhadhara, bhanga rinogona kusarudza kuvharisa imba yako uye kutengesa imba yako kuti iwane chikwereti chayo.
3. Nyaya dzemutemo: Unogonawo kutongerwa kutongwa nekuda kwekutadza kuita zvemutemo.

Zvese mune zvese, kubhadharazve chikwereti chemba kunogona kuunza mamwe mabhenefiti akakosha emari kune varidzi vemba asi zvakakoshawo kuti unzwisise njodzi uye mabasa anobatanidzwa.Kuziva kuchengetedza mari, kunyatsotsvakurudza mitemo nemamiriro ezvinhu, uye kunzwisisa zvinogona kuitika kana munhu akanganisa ndizvo zvinokosha pakuita zvisarudzo zvine ungwaru.

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.