Kuwedzeredza mari yako yekutenga chikwereti zvinoreva kuti urikuchinjana yako regeji rekare kune imwe nyowani uye pamwe nerozha nyowani.
Paunonatsiridza yako mogeji, bhangi rako kana mukweretesi anobhadhara yako yekare mogeji neiyo nyowani; ichi ndicho chikonzero che refinancing ku izwi.
Vazhinji vakweretesi vanosarudza kugadzirisa mari kuti vadzikise kufarira uye kupfupisa nguva yekubhadhara, kana kutora mukana wekuti mukana wekushandura chikamu chemari yavakawana mumba mavo ive mari.
Kune maviri epamhando mikuru yekugadzirisazve mari: chiyero uye izwi reti kubhadharisa mari uye mari-kunze kufinancing.
Chii chinonzi Refinancing?
Refinancing ndiyo nzira yekutsiva yavakopo mogeji nechikwereti chitsva. Kazhinji, vanhu vanovandudza yavo mogeji kuti vadzikise vanobhadharisa pamwedzi, kudzikisa chimbadzo, kana kushandura chirongwa chavo chechikwereti kubva kuchinjika-reti mogeji kuenda kune yakatarwa-reti mogeji. Pamusoro pezvo, vamwe vanhu vanoda mukana wekuwana mari yekutsigira dzimba dzekuvandudza dzimba kana kubhadhara zvikwereti zvakasiyana, uye vanozoshandisa mari yavo yemumba kuti vawane mari yekunatsiridza.
Zvisinei nechinangwa chako, iyo chaiyo yekubhadharisa mari inoshanda nenzira imwecheteyo yawakaita pawakakumbira mari yako yekutanga yekukweretesa - iwe unozofanirwa kutora nguva yekutsvagisa sarudzo dzako dzechikwereti, kuunganidza magwaro ezvemari akakodzera, uye kuendesa chikumbiro chemogeji refinance. isati yagamuchirwa.
Zvakanakira kunatsiridza imba
Pane zvikonzero zvinoverengeka zvekugadzirisa yako mogeji. Zvimwe zvezvikomborero zvinogona kusanganisira:
- Deredza muripo wako wemwedzi *. Maererano Chidzidzo , avhareji muridzi wemba anogona kuchengetedza $ 160 kana kupfuura pamwedzi nekunatsiridza. Uine mubhadharo wakaderera pamwedzi, unogona kuisa mari kune chimwe chikwereti uye zvimwe zvinoshandiswa, kana kushandisa izvo zvadzakachengetera kumubhadharo wako wemwedzi wekubhadhara chikwereti uye wobhadhara chikwereti chako nekukurumidza.
- Bvisa yakavanzika mutero inishuwarenzi (PMI). Vamwe varidzi vedzimba vane dzimba dzakaringana kana vanobhadharwa-muyero havanganzi vabhadhare yeinishuwarenzi yemendenenzi iyo inoderedza mari yavo yemwedzi.
- Deredza nguva yechikwereti chako. Kune varidzi vedzimba vakatora mogeji pakutanga kwebasa ravo, makore makumi matatu ekubheja angave akaita mari yakawanda. Asi kune avo vanoda kubhadhara yavo mogeji kare, kudzikisira nguva yechikwereti kunogona kuve sarudzo inokwezva.
- Chinja kubva kuchinjika rate regeji kune yakatarwa mwero chikwereti. Paunenge uine chinoshandisirwa rate mogeji, mubhadharo wako unogona kugadzirisa kumusoro kana pasi sekufarira kwemitengo. Kuchinjira kune yakatarwa-reti chikwereti ine yakavimbika uye yakagadzikana pamwedzi kubhadhara kunogona kupa varidzi vedzimba kuchengetedzeka kwekuziva kuti kwavo kubhadhara hakuzombo shanduke.
- Simbisa yako yekutanga mogeji uye imba equity mutsara wechikwereti (HELOC). Nekuvashandura kumubhadharo mumwe chete wemwedzi, unogona kurerutsa mari dzako uye kutarisa pane chimwe chikwereti. HELOCs anowanzo kuve nemitengo inochinjika, saka kufizazve mune yakatarwa-chikwereti chikwereti kunogona kukuchengetedza mari mukufamba kwenguva.
- Shandisa iyo equity iri mumba mako kuwana mari. Nekuwedzera kwemaitiro epamba, iwe unogona kunge uine kukwana kwakaringana kuti uwane mari-kunze kunatsiridza. Iyi mari inogona kushandiswa kutsigira dzimba kugadzirisa, kubhadhara chikwereti, kana kubhadhara kutenga kukuru.
Njodzi dzechikwereti refinancing
Zvichienderana nezvinangwa zvako uye mamiriro ezvemari, kuwedzerazve mari kunogona kunge kusiri iko kwese sarudzo yako yakanaka. Nepo refinancing ichipa akawanda mabhenefiti, iwe zvakare uchafanirwa kuyera njodzi.
Semuenzaniso, kudzoreredza yako mogeji kunowanzo dzoreredza maitiro ekubhadhara. Saka kana iwe uine makore mashanu ekubhadhara chikwereti chemakore makumi matatu uye wosarudza kutora chitsva chemakore makumi matatu chemubhadharo, iwe unenge uchiita yekubhadhara mogeji kwemakore makumi matatu nemashanu. Kune vamwe varidzi vedzimba, iri zano rakanaka, asi kana uchitova nazvo, iti, makore gumi kana makumi maviri pane yako mogeji, iyo yehupenyu mubereko inogona kunge isingakoshe mari yekuwedzera.
Muzviitiko izvi, varidzi vedzimba vazhinji vanonatsiridza nechikwereti chenguva pfupi icho chisingazowedzeri yavo yekubhadhara chikwereti, senge yemakore makumi maviri kana gumi nemashanu yemitero yemitero (iyo inowanzopawo mitengo yakaderera pane makumi matatu-makore echikwereti.).
Kazhinji, kubhadharazve mari sarudzo yakanaka kana iyo nyowani yemutero iri yakaderera pane iyo huwandu hwechikwereti pane yako yazvino mogeji, uye huwandu hwese hwekuchengetedza hunopfuura mutengo wekubhadhara mari zvakare. Semuenzaniso, kana uine $ 390,000 yakasara pa $ 400,000 chikwereti pa4.25%, kutsiva yako yazvino regeji pa3.75% kunogona kukonzera kuchengetedza kwe $ 162 pamwedzi uchienzaniswa nechikwereti chako chekare. *
* Kana uchifambisazve chikwereti chako chiripo, mari yako yese yemari inogona kunge iri pamusoro pehupenyu hwechikwereti.
Inowanzo bvunzwa mibvunzo nezve kufinancing
Usati wasarudza kunatsiridza, zvakakosha kuti uve wakagadzirira. Kuyera kugadzirira kwako kubhadharazve mari, funga iyi inotevera mibvunzo.
Ini ndinofanira kugadzirisa zvakare kana ini ndikangoronga kugara mumba mangu kwemamwe makore mashoma?
Sezvakangoita pawakatanga kutenga imba yako, uchafanirwa kubhadhara mari, mitero, uye kuvhara mari pane yako refinance mogeji. Izvo zvakakosha kuti utarise kuti zvichatora nguva yakareba sei kuputsa kunyangwe kana uchibhadharazve mari yekutenga chikwereti. Iyo breakeven poindi ndiyo poindi iyo kusevha kwemwedzi pamwedzi kwakagadzirwa nekugadzirisazve mari yemubhadharo inopfuura mutengo wekudzorera mari.
Sekureva kweCustomer Mari Kudzivirirwa Bureau, iwe unofanirwa kufunga kuti zvinotora nguva yakareba sei kuti mari yemwedzi isabhadhare kubhadhara mutengo wekubhadharazve mari. Wongorora mari yekuvhara yawakabhadhara pane yako yekutanga imba chikwereti. Refinancing mari inogona kunge yakafanana. Mutemo wakajairika wechigunwe ndeye kuenderera chete kana iyo nyowani yemari yekukwazisa ikakuchengetera iwo huwandu kweanenge makore maviri (nemamwe mazwi, kana iwe ukatyora kunyangwe angangoita makore maviri).
Saka ive shuwa yekuita iyo math uye unzwisise kuti iyo nyowani chikwereti ichakukanganisa sei iwe.
Refinancing inokanganisa sei kiredhiti kiredhiti kangu?
Hakusi chete kuti yako chikwereti chikamu chinobatsira kuona yako mogeji refinance mvumo, zvakare inosarudza huwandu hwechikwereti uyo waunokweretesa achapa. Zvichitaurwa zviri nyore, iyo inowedzera yako kiredhiti mamaki, iyo yakadzikira yako huwandu hwechido.
Semuenzaniso, anokwereta ane avhareji yemari yechikwereti yemadhora mazana maviri nemazana mashanu ezviuru uye chikwereti che 640 anogona kubhadhara madhora zviuru mazana maviri nemazana mashanu pagore mubhadharo yemubhadharo pane uyo anokwereta aine chikwereti che 760 . Kana kiredhiti kiredhiti kako kakadonha kubva pawakatanga kutora yako mogeji, unogona kutarisira kubhadhara yakakwira mitengo, iyo inogona kuregeredza chero mabhenefiti angabvira kubva kufinancing.
Ndeipi mari yasara pachikwereti changu?
Usati wasayina chikwereti chitsva, uchafanirwa kuongorora yako yazvino chikwereti chikwereti. Kana iwe parizvino uri mugore rako regumi neshanu rechikwereti chako chemakore makumi matatu, iwe ungangoda kuongorora sarudzo dzako dzekunatsiridza nepfupi izwi. Izvi zvine musoro kune vazhinji varidzi vedzimba nekuti zvinovatendera kuti vatore mukana weakare low mitengo pasina kunonoka zuva ravo rekubhadhara, iro rinogona kazhinji kupa yakawanda kuchengetedza. *
Ini ndinoda here kuchinjika kana kuomarara kubhadhara chirongwa?
Kushandiswa kwakajairika kwekudzorera mari kupfupisa nguva yechikwereti uye kuripa nekukurumidza. Kana izvozvi regeji rezvibereko zvemitero rakadzikira pane yako yazvino chimbadzo, zvakajairika kuva nemari yakafanana yemubhadharo yemwedzi nepo uchidzikisa makore eiyo yako mogeji.
Semuenzaniso, varidzi vedzimba vane makore makumi matatu ekubheja vanogona kugadzirisa mune yemakore gumi nemashanu chikwereti. Izvi zvinogona kuve sarudzo huru, asi pane zvinhu zvekufunga nezvazvo:
Kutanga, vazhinji vanokweretesa vanokutendera iwe kubhadhara yako mogeji nekukurumidza. Saka kana iwe uchida kubhadhara yako yemakore-30 chikwereti mumakore gumi nemashanu nemari yekuwedzera, unogona kuzviita. Izvi zvinogona kukubatsira iwe kuvaka chikuru nekukurumidza uye chengetedza pamubhadharo wemubereko. Kana mamiriro ezvinhu akachinja uye nguva dzikaoma, wakasununguka kuti udzokere kune yekutanga 30-gore kontrakiti kubhadhara.
Kune rimwe divi, makore gumi nemashanu chikwereti chinowanzo kupa yakatowanda mari yekuchengetedza uye zvinogona zvakare kukubatsira iwe kuvaka equity nekukurumidza, kuti ugone kuve yako imba yemahara uye pasina kubhadhara nekukurumidza kwete kupfuura gare gare.
Refinancing iripo yeFHA, VA, Jumbo, kana USDA zvikwereti?
Ehe, zvichienderana nemamiriro ako azvino, imwe yesarudzo idzi inogona kuve nemusoro kwauri. Pamusoro pezvo, kana parizvino uine zvakajairwa, FHA, VA, Jumbo, kana USDA chikwereti, pane sarudzo dziripo dzinosanganisira akati wandei akareruka ekugadzirisa zvirongwa. Zvirongwa zvekurambidzwa zvakagadziriswa zvinopa nzira yakatenderwa yekubvumidza nekudzora kana kubvisa yakawanda yemari inowanikwa, kiredhiti, kana ongororo yekuongorora iyo inosanganisirwa muzvirongwa zvakajairwazve.
VA's optimization chirongwa chinonzi Kufarira Rate Kuderedza Refinance, kana IRRRL. Izvo zvakakosha kuti utaure kuti yakagadziriswa refinance zvikwereti zvinogona kusabvumidza mari yekubvisa sarudzo. Zvakare, senge dzimwe sarudzo dzekuchengetera mari, yakareruka mari yekukweretesa inogona kuwedzera kune yako yakazara mutengo pamusoro pehupenyu hwechikwereti.
Ino ndiyo nguva chaiyo yekugadzirisa?
Pakupedzisira, zvakakosha kuti upepete nenhamba kuti uone kana kubhadharazve mari kune musoro kwauri. Kunyangwe kana iwe usina kukwanisa kugadzirisa zvekare munguva yakapfuura, zvirongwa zvechikwereti nemitero zvinogara zvichichinja. Idzi shanduko, pamwe nekuwedzera kwehunhu hwepamba mumisika dzakasiyana siyana, zvinogona kukubvumidza kudzikisa mwero wako kana mari yako yemwedzi.
Asi iwe haufanire kuzviita wega! PennyMac vatariri vechikwereti vanogara vakagadzirira kupindura mibvunzo yako uye vanokutungamira munzira yekunatsiridza kunobudirira.
Rate uye term refinancing
Mune refinancing ye chiyero uye nguva, iwe unowanzo tora imwe mogeji ine yakaderera chimbadzo, pamwe pamwe ipfupi yekubhadhara nguva (makore makumi matatu akachinjwa kuita makore gumi nemashanu izwi).
Nemitero yechinyakare yakaderera yezvibereko, kuwedzeredza mari yako yemakore makumi matatu kune imwe yemakore gumi nemashanu mogeji inogona kupedzisira yabhadharwa pamwedzi yakafanana nechikwereti chako chekutanga. Izvi zvinokonzerwa nemari yepasi yezvaunobhadhara iwe yaungabhadhare pane yako nyowani yemutero, kunyangwe iyo yegumi nemashanu-makore yembaji yekubhadhara iri kazhinji yakakwira kupfuura makumi matatu emakore
Chokwadi pamusoro pechikwereti chinoti zvakakosha kuti uve nechokwadi chekuti wawana nzvimbo yako yekutora usati wafunga kugadzirisa yako yazvino mogeji reti. Izvi zvinonyanya kukosha kana mari yekudzorerazve mari ichiwanikwazve kuburikidza nemubhadharo wakaderera pamwedzi wemogeji.[1].
Refinancing nemari kubvisa
Mune mari inobuda kunze, unogona kugadzirisa kusvika pamakumi masere muzana embau yako yemuno kukosha nemari. Ndosaka ichinzi mari yekubuda kwemari. Saka ngatitii imba yako inokosheswa ne $ 100,000 uye iwe une chikwereti che $ 60,000 pachikwereti chako. Bhengi rako kana mukweretesi anogona kukupa iwe, semunhu anokwanisa kukwereta, zviuru makumi maviri zvemadhora mumari, uchiita yako nyowani mogeji $ 80,000.
Mukutsinhana kwemari, hausi kugara uchichengeta mari nekubhadharazve mari, asi uri kuwana fomu rechikwereti nechimbadzo chidiki pane mari inodiwa. Zvikonzero zvekutora mari yekubuda mari zvinogona kunge zviri zvekuti ungangoda kuchera dziva nyowani rekurega kwako kuseri kwemba kana kuenda kuzororo reroto.
Ziva kuti kutora keshi-kunze kwenyonganiso kunowedzera huwandu hwenhema dzako[2]. Izvi zvinogona kureva kukura uye / kana kwenguva-refu kubhadhara. Rangarira kuti iyi haisi mari yemahara uye unofanirwa kuibhadhara kune waunokweretesa.
Kufunga kugadzirisa yako mogeji hachisi chinhu chinofanira kurerutswa. Funga nezve mutengo wekubhadharisa mari maringe nekuchengetedza mukudzoka. Taura nemurongi wezvemari kana iwe uchinetseka nezve kana kwete iwe unofanirwa kugadzirisa, pamwe nezvimwe sarudzo zvaunogona kuwana.
Zviri Mukati
- Chii chinonzi Refinancing?
- Zvakanakira kunatsiridza imba
- Njodzi dzechikwereti refinancing
- Inowanzo bvunzwa mibvunzo nezve kufinancing
- Ini ndinofanira kugadzirisa zvakare kana ini ndikangoronga kugara mumba mangu kwemamwe makore mashoma?
- Refinancing inokanganisa sei kiredhiti kiredhiti kangu?
- Ndeipi mari yasara pachikwereti changu?
- Ini ndinoda here kuchinjika kana kuomarara kubhadhara chirongwa?
- Refinancing iripo yeFHA, VA, Jumbo, kana USDA zvikwereti?
- Ino ndiyo nguva chaiyo yekugadzirisa?
- Rate uye term refinancing
- Refinancing nemari kubvisa