Kuti uwane mari yechikwereti chako chitsva unofanira kufunga nezvese sarudzo dzaunogona kuwana paruoko rwako; pamwe watove wakasarudza pazviri mhando yegeji izvo zvauchasarudza. Nhasi tichataura nezve yakatarwa mhindu yemari, iyo inozivikanwa kwazvo nhasi yezvibvumirano zvedzimba. Pano isu tichatsanangura kuti iyo yakatarwa chiyero musika-yakavakirwa mogeji, mabhenefiti aanokupa uye misiyano ichienzaniswa neyakaenzana muyero
Fixed rate mogeji - Bhadhara iyo yakafanana kufarira nguva dzese
ari yakatarwa chiyero kana yakatarwa rate regeji, zvinowirirana nekuti mwero uye mari inobhadharwa pamwedzi haife yakachinja; heino chakanyanya kukosha chimiro. Semuenzaniso, ngatiti iwe waita makumi matatu emakore echikwereti chekwereti: kubva panguva yaunosaina, iwe unotoziva chaizvo izvo zvako chimbadzo pamwe nemari yaunobhadhara pamwedzi. Unogona kuzorora zviri nyore, nekuti iwe uchabhadhara zvakafanana mwedzi wega wega kudzamara kubhadhara kuzere kwasangana.
Zvakanakira yakatarwa reti mogeji
- Iwe unobhadhara zvakafanana mwedzi wega wega; usazvidya moyo nezvekusiyana kwekubhadhara, izvi hazvisi kuzoitika. Nemari yakatarwa-reti, iwe unobhadhara yakaenzana mari kusvikira huwandu hwemabhadharo akafanira hwasangana, iwe unogona kutobvumirana nechimbadzo cheisingasviki 3%.
- Kugadzikana; Yakagadziriswa-rateti mogeji yakakodzera kana ukaronga kugara mumusha kwenguva yakareba nekuti kubhadhara hakuwedzeri, izvo zvinopa kugadzikana uye nyore kune vatengi. Iyo yakatarwa chiyero haitsamire pamhando dzeEuribor kana imwe mitero yemitero, ichiita iyo yakatarwa chiyero chakanakira vanhu vasingade kuisa panjodzi shanduko huru mukubhadhara.
- Kanganwa nezvechikamu chepasi; Sezvandambotaura kare, yakatarwa-reti mogeji haitsamire pane mareferensi indices yezvibereko zvakadai seEuribor, izvo zvinoita kuti chikamu chepasi chisashandiswe mukati merudzi urwu rwezvikwereti. Mhando dzakasiyana dzechikwereti chinotambura kubva pasi pechirevo sezvo zvichitsamira pamutengo, uye ndosaka vamwe vatengi vachibhadhara yakakwira zvikamu kwenguva yakareba.
- Marefu mazwi; Nekuti yakatarwa-mwero regeti dzakakurumbira kwazvo nhasi, ivo vakave nani akachinjirwa kusangana nezvinodiwa zvevatengi. Izvi zvinobatsira kuti mazwi ave akareba uye akareba, parizvino pane makumi matatu-gore-yakatarwa-reti mogeji, ine mutengo unodhura kwazvo nemitengo.
- Zvipo zvinowedzera; yakatarwa rate regeji iri kuwedzera kuve inozivikanwa, vazhinji uye vazhinji vashandisi vanonzwa vakachengeteka nemari yakatarwa uye yakatarwa mhindu, izvo zvinoita kuti musika ushanduke. Inopa yeyakagadziriswa-reti mogeji yepamusoro kuti ienderane nezvinodiwa nevatengi. Izvi zvakanaka asi panguva imwe chete zvakashata, nekuti mune ramangwana tichaona kuwedzera kwemabhengi ayo achawedzera kuchinjika kumusika nechisarudzo cheyakagadziriswa-reti mogeji.
Kukanganisika kweyakagadziriswa mwero regeji
- Chikwereti chakakwira; Yakagadziriswa-rateti mogeji inochengetedza, iwe unogara uchiziva huwandu hwemari yauri kuzobhadhara, izvo zvinogona dzimwe nguva kukonzera kuti huwandu hwechimbadzo huve hwakati kwirei pane yakatarwa-reti mogeji pane pane mamwe marudzi emamogeji. Izvi zvinogona kuchinja, sezvo mukurumbira uye zvinopihwa zveyakagadziriswa-reti mogeji inovandudza mabhenefiti.
- Zvimwe zvinorambidzwa kutengesa; Kana iwe ukasarudza yakatarwa yemubereko mogeji, unofanirwa kufunga kuti anosanganisira akasarudzika makomisheni, senge njodzi nekuda kwenzvimbo inowanikwa yemubereko, inozoshanda kwatiri kana tasarudza kukanzura basa redu rekutenga.
Rudzi rwemakomisheni urwu runobata zvingangoita zvachose retigeji, kunyangwe ichikanganisa zvikwereti zvakasiyana pasi pemamwe mamiriro. - Makomisheni makuru; mune yakatarwa-rate regeji isu tinowanzo kuwana ekuvhura makomisheni e1%. Aya makomisheni akaderera mumhando dzakasiyana dzechikwereti, zviri 0.5%.
Musiyano uripo pakati peyakagadziriswa uye inoshanduka mogeji
- Sezvandambotaura kare, yakatarwa reti mogeji inokupa kugadzikana, yakatemwa kubhadhara, iyo isingachinje zvachose kubva panguva yaunotora yako mogeji yechikwereti, uye mukana wekugadzirisa gare gare kana mamiriro ako emari achivandudza; iwe unofanirwa kufunga nezve iyo flat flat rate kana iwe uchitarisira kupa fungidziro yekubhadhara.
- Variable rate regeji dzinopa yakaderera yekutanga kufarira; zvisinei, kubhadhara kunogona kuwedzera nekukurumidza uye zvinoshamisa, saka chengeta izvi mupfungwa. Mhando dzakasiyana dzechikwereti chakanakira vanhu vanoronga kugara muchivako kwenguva pfupi. Pane akasiyana mwero regeji, iwe unogona kutarisira shanduko muhuwandu hwemubhadharo uyo unoderedza huwandu hwemari yauchiri nechikwereti.
Izvo zvinodawo kuratidza kuti aya haazi iwo chete mutsauko uripo pakati peyakagadziriswa uye inoshanduka reti reti mogeji. Izvo zvakare zvakasiyana muhunhu senge yekubhadhara nguva uye makomisheni.
Mari yaunopihwa nebhangi inogona kusiyana maererano nemamiriro maviri aya. Mune mwero wakatarwa, bhangi rinogona kukubhadharira mari zvishoma pane nemutengo wakasiyana wemutero. Bhengi rinogona kuwedzera mari, asi dambudziko neiri nderekuti mari yakawanda kubva kubhangi, inowedzera chikwereti chemubereko chavanokupa.
Yakanaka maficha eakagadziriswa mogeji
- Nguva inosvika pamakore makumi matatu.
- Makomisheni ari pasi pe1%, inova ndiyo yakajairwa tsika.
- Kufarira kusiri pasi pe3%.
- Yakagadziriswa kufarira, iyo isingashanduke nekufamba kwenguva.
- Hapana chikamu chepasi, icho chinogona kukanganisa kubhadhara.
Yakagadziriswa-rate regeji nhasi
Pakave nekuchinja kukuru mukubhadharwa kwemari yakatarwa pamitengo mumusika, mitengo yashanduka zvakanyanya, nekuda kwekuti mabhanga anokwikwidza zvakanyanya uye nekupa izvo zvinokwezva zvemamogeji zvinopa kune vashandisi. Mitemo iri kuramba ichireba, mamwe makomisheni anobviswa uye mitengo inoderedzwa, izvo zvinoita kuti zvive nyore kutenga dzimba.
Nekudaro, nhasi uno isu tinowana kuwedzera kwemitengo mune yakatarwa-reti mogeji, sezvo ivo vari kuwedzera kudikanwa nevatengi. Izvi hazvingowedzere mitengo chete, asiwo zvinoshandura makomisheni uye kufarira kunodiwa kuti uwane imba.
Euribor uye nemabatiro ainoita iyo mogeji
Euribor ndiyo index index iyo inoburitsa avhareji yemari yekutambira pamabhangi anoita zvikwereti zvenguva pfupi zuva nezuva. Icho chirevo icho isu chatinofanira kugara tichive nacho kana tichida kuita iyo yekubhadhara chikwereti yatakaronga. Ko Euribor inokanganisa yangu mogeji here?
Zvinoenderana, musiyano mukuru ndewekuti mogeji yatinotora iri yakatarwa kana chiyero chakasiyana. Kana iyo mogeji iri chiyero chakasiyana, saka pane hukama pakati peEuribor neyedu regegeji, nekuti kufarira kuri kuramba kuchisiyana uye zvikwereti zvebhangi zviri kuchinja. Kune rimwe divi, kana iyo mogeji iri yeyakaenzana mwero, hapana hukama hwakananga pakati peEuribor neyedu regeji.
Ndicho chikonzero nei kusiyaniswa kwehuwandu hwezvikwereti zvinokurudzirwa kune vanhu vasingade kuzviisa pasi pekunetseka kwekuchinja kwakanyanya mubhengi rezvibereko, kugadzirisa chigaro chakatsiga uye kusiana.
Ndingaite sei kuti ndiwane yakanyanya yakatarwa reti mogeji?
Iwe wakatsunga kana kusarudza pane yakatarwa reti mogeji? Zvakanaka, asi kuti uwane iyo chaiyo mogeji unozoda mamwe matipi ekuti uwane chibvumirano chakanakisa.
- Usangogarira kubhengi rimwe chete; Mabhangi akasiyana anopa akasiyana chikwereti chemogeji. Tsvaga zvakanaka nezvemamiriro ezvinhu mumakambani ekubhengi akasiyana, kuti uve nerakareba sarudzo.
- Verenga mari yekubhadhara; Wakatosarudza kubhangi chairo, ikozvino ini ndinokurudzira iwe kutevedzera iyo mitengo yekubhadhara zvichibva pane akasiyana ayo ako bank anokupa. Iko kune zvemahara kunyorera pa internet izvo zvinokubatsira iwe kuverenga izvo zviyero zvauchabhadhara, iwe unongofanirwa kuzadza mamwe mafomu ane mamiriro ayo ako ekubhangi anokupa iwe, senge kufarira, inishuwarenzi uye makomisheni.
- Mortgage anotungamira; Kune zvakare mamwe madhaidhi akakosha ekukubatsira iwe kusarudza pane chaiyo mogeji. RubatsiroMyCash nderimwe remagwara aya anogona kubatsira zvakanyanya.
Mhedziso
Kana zano rako riri rekutenga imba uye iwe uchiziva kuti iwe uchagara ipapo kwenguva yakareba, saka iwe unofanirwa kutarisa kune yako mari yakatarwa mwero mutero, nekuti haufanire kunetseka nezve shanduko dzinogona kuunzwa neramangwana maererano nemabhadharo ako. Mitero yemitero inoshanduka, iyo inogona kukukanganisa iwe kwemakore anouya, uye ungazopedzisira wabhadhara zvakati wandei pane yako mogeji pane zvawaifanira kubhadhara chaiko.
Rangarira kuti ichi chisarudzo chakakosha, chaunofanirwa kutora mushure mekutarisa zvese zviripo sarudzo. Icho chisarudzo chako pachako chaunofanira kufunga nezvacho mamiriro emari mauri, usazvikoshesa uye sarudza zvakanaka.