Waxaad u Baahan Tahay Inaad Ogaato About Heerarka Mortgage

top 3 su'aalaha heerka amaahda in Trulia waa kan Economist Chief ka Trulia Mortgage Xarunta uu inta badan la weydiiyay


First: sidee mortgage heerka saamayn sayladda guryaha?

Bal aan ka bilowno cad u: ka mortgage Heerka go'aamiso danta aad bixiso on your mortgage amaah marka aad ka amaahan si ay u iibsadaan ama refinance gurigaaga. Your bixinta amaahda bil kasta waxaa ka mid ah

(1) danta lagugu leeyahay aad u fiican amaah dheelitirka iyo
(2) qayb ka mid ah laftiisa maamulaha, taas oo yaraynaysa haray amaah dheelitirka.

heerka amaahda waa muhiim sababtoo ah farqiga hal dhibic-boqolkiiba heerka amaahda tarjumaysaa ugu yaraan a 10% Farqiga in bixinta amaahda bil kasta.

Tusaale ahaan: on caadiga ah 30-sano mortgage go'an heerka a, lacagta bil kasta on a $200,000 amaah noqon lahaa $955 for a 4% mortgage kasoo horjeeddo $1074 for a 5% mortgage. Taasi waa farqiga bil ah $119.

laga yaabaa in aad u malaynayso in heerka u hooseeya dadka ku dhiiri si ay u iibsadaan guryaha laakiin ma ahan arrin sahlan in. heerka amaahda Hoose sameeyo lahaanshaha guryaha jaban laakiin badan oo arrimo kale tagaan go'aanka ku saabsan in si ay u iibsadaan guri. Ka mid ah kireystayaasha kuwaas oo doonaya in gadashada, badbaadinayo lacag hormaris ah waa caqabad ka weyn ay awoodaan in ay u helaan ama awoodaan amaahda. Oo, maxaa yeelay heerka amaahda yar yahay foodhyi kartaa dhaqaalaha daciif ah (eeg su'aasha soo socota), gadashada guriga hoos u dhigi karaa xitaa marka heerka yar yihiin. At height ah ee xumbo guryaha ee 2005 iyo 2006, marka lahaanshaha guriga iyo guriga iibka halkii, 30-sano heerka amaahda go'an dul heehaabayeen u dhexeeya 5.5% iyo 7%; tan iyo markaas, lahaanshaha guryaha iyo iibka ka dhaceen, inkastoo heerka amaahda ayaa hoos tan 2007 in ka yar 4% sanadkaan.

heerka Mortgage saamayn dheeraad ah si toos ah maalgelinta. Si ka duwan guri iibsashada, taas oo ku xiran badan oo qodobada kale ee wareega dhaqaalaha iyo nolosha, maalgelinta ku xiran tahay oo kaliya in farqiga u dhaxeeya heerka deynta iyo heerka suuqa ee hadda waa weyn oo ku filan in ay qiimihii waraaqaha iyo lacagta ah maalgelinta. Iyada oo heerka ugu record hooseyso sanadkan, dhaqdhaqaaqa Huang wuxuu ku dhuftay in ay heerka ugu sareeya ee saddex sano - oo waa ka sii badan heerka maalgelinta sannadaha xumbo sarreysa ee 2005 iyo 2006.


labaad: sababta waa heerka amaahda si hooseeyo, oo waxay joogi doono hooseeyo?

maanta, heerka amaahda hoos jira 4%, heerka ugu hooseeya ee tobanaan. Arrimo badan dhaqaale iyo siyaasadeed saamayn heerka amaahda. Saddex qodob sharaxo sababta ay maanta tahay si hooseeyo:

• Dawladdu waxay of dhaqaalaha. In dhaqaalaha aayar u kordhaya, maal-welwelin yar oo ku saabsan sicir bararka. Sidoo kale, qoysas iyo ganacsiyo ay leeyihiin baahida hoos-celceliska amaahashada lacagta. Kuwani waa 2 sababaha heerka amaahda (iyo heerarka kale ee xiisaha muddo-dheer) waa yar yahay in dhaqaalaha la'ahay.

• siyaasadaha Dowladda. Reserve Federaalka ayaa riixay heerka amaahda hoose iyada oo loo marayo "marooji Operation" oo fududeeyntii taranta. Waa maxay sababta Caal ah waxan u samaynaysaan? Si dardargelinay dhaqaalaha daalid: dowladda ayaa rajeynaya in heerka amaahda hoose iyo heerka kale xiiso muddo dheer oo horumari doona homebuying iyo maalgelin kale oo, si ay u dardar-kabashada dhaqaalaha.

• baahida Investors 'hantida ammaan. In times of hubaal la'aan dhaqaale, maalgashadayaasha doonaya in ay lacagtooda ku riday hantida ammaan. Waxay is barbar fasalada hanti kala duwan - sida bonds, kaydka iyo badeecooyin sida dahabka - guud ahaan dalal kala duwan. Rumayso ama ha rumaysan, inkastoo laga xoreeyo sii kordhaya. deficit federaalka iyo isku dhaceen guryaha, American securities mortgage-shabaab oo dhaaraheedii ay dawladda waxaa loo arkaa hantida ammaan ah - gaar ahaan marka loo eego hantida ee dalalka ku jira qaab xisaabeedka ka xun, sida dalalka dhibaatada zone Euro. Maxaa yeelay, maal qabaa laga xoreeyo. securities mortgage Al-shabaab ay yihiin kuwo ammaan ah, heerka amaahda joogo hooseeyo.

dayn doonaa heerka joogo hooseeyo weligeedba? iyo jawaabta waa MAYA. Haddii iyo marka dib u soo kabashada dedejisaa, baahida loo qabo amaahashada lacagta u kici doonaa oo walaac sicir bararka mar kale soo bixi doona, taas oo kor u lahaa heerka. Intaas waxaa sii dheer, ee dhaqaalaha ka xoog, Caal ku jiid lahaa siyaasadaha loogu talagalay in ay hoos u heerarka dib, saareen sabab labaad ee heerka u hooseeya. Dhinaca kale, dhibaatooyin dhaqaale ee ba'an ee laga xoreeyo dalka ah. sidoo kale u diro heerka sii weynaydba haddii maal-go'aansaday in laga xoreeyo dalka. securities mortgage-shabaab ahaayeen hantida mar dambe ammaan.

saddexaad: Sidee baad ku heli kartaa heerka ugu hooseeya ee suuragalka ah mortgage?

Haddaba qaar ka mid ah wararka aad isticmaali kartaa. Sidee baad ku heli kartaa heerka amaahda ee heerka maanta hoose ee 3.60% - celcelis ahaan ay soo sheegeen Freddie Mac in August - ama xataa ka yar? Si kastaba ha ahaatee, score credit Your arrimaha BADAN a: score sare aad credit, bangiyada ka badan diyaar u yihiin in ay wax amaahisaan lacag heerka hoose. Dadka qaba dhibcaha credit weyn laga yaabaa inay awoodaan si ay u helaan heerka amaahda in ay hal dhibic ka buuxa boqolkiiba ama ka badan oo ka hooseeya dadka qaba dhibcaha credit kaliya-OK ah - oo la xusuusto in farqiga heerka amaahda ee boqolkiiba hal dhibic ka hoos doonaa lacag aad bil kasta by 10% ama ka badan. laga yaabaa inaadan awoodin inaad si aad u hagaajisid credit gool habeenkii aad ka hor codsato amaahda, laakiin aad ugu yaraan u hubin kartaa si aad u hubiso ma jiraan qaladaad warbixinta credit aad. Oo, dabcan waa in aad ka fogaato wax kastoo laga yaabo in ay ka sii dari score credit aad marka aad codsanayso mortgage ah sida amaahashada jidka oo dhan ilaa xad aad credit ama halmaamay in uu bixiyo biilasha aad samaynayso.

Waxa kale oo laga yaabaa in aad awoodid in aad hesho heerka amaahda hoose haddii aad u adag ka feker nooca mortgage aad runtii u baahan tahay. A dhaqameed 30-sano mortgage heerka go'an aad damaanad ah lacagta bil kasta guri la kadis ah ma. Laakiin noocyada kale ee amaahda qaado heerka hoose, sida a 5/1 mortgage heerka hagaajin karo (ARM), oo sidhab ah ee heerka hoose go'an muddo shan sano ah ka dibna sanad walba habaysaa si ay heerka amaahda jirta, oo waxay noqon kartaa wax badan ka badan heerka maanta. Haddii aad diyaar u ah inay qaataan khatarta in tahay - ama haddii aad ogtahay in aad u baahan tahay deyn ah ee ka yar shan sano - waxaa laga yaabaa inaad si fiican iska leh mortgage non-dhaqameedyada. laakiin, xusuuso, dad badan oo waayay guryahoodii ay dhibaatooyin guryaha sababtoo ah waxay ahaayeen kooraystay la khatar ah amaahda in soo baxday in bet xun.
Ugu dambeyntii, dukaan ku wareegsan! Waxaa laga yaabaa inaad hesho ama xaajooto heerka hoose haddii aad is barbar amaahda ka deyn kala duwan.

credit : Forbes.com

Waxba ma ay helin.
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Waxaad u Baahan Tahay Inaad Ogaato About Heerarka Mortgage | mortgage, amaahda, amaahda hantida maguuraanka ah, daymaha mortgage, refinance mortgage, refinance mortgage

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