Inguzanyo ishobora guhinduka
Bikwiye gusuzumwa nabagurijwe
06/09/2022
Nkuko igipimo cyinguzanyo mubyumweru bishize cyazamutse kurwego rutagaragara mu myaka irenga icumi, abahawe inguzanyo munzu batekereza uburyo bwo gutera inkunga.Ishyirahamwe ry’amabanki ya Mortgage rivuga ko mu cyumweru cya mbere Gicurasi, abagera kuri 11 ku ijana basabye inguzanyo bagenewe inguzanyo zishobora kugabanywa (ARMs), hafi inshuro ebyiri umugabane w’ibisabwa na ARM mu mezi atatu ashize igihe igipimo cy’inguzanyo cyari gito.
Nk’uko abahanga bamwe babizobereyemo babitangaza, abahawe inguzanyo ubu bafunguye ARM kubera ubushobozi bwo kuzigama.Buri kibazo kiratandukanye, ariko tubona inyungu kuva ubwambere no gusubiramo abaguzi.Abaguriza benshi kandi benshi basubiramo byanze bikunze amahitamo yabo ajyanye ninguzanyo zishobora kugabanywa ninguzanyo yagenwe.Abaguzi basubiramo bafunguye guhitamo ARM, mugihe abaguzi ba mbere murugo baracyakomeza hamwe ninguzanyo yimyaka 30 yagenwe.
Iyo igipimo cyinyungu kizamutse, abahawe inguzanyo bashaka ARM kubwimpamvu zikurikira:
Ubwa mbere, ARM iracyafite akamaro mugihe abahawe inguzanyo bazi ko batazatwara imitungo mugihe gisanzwe cyimyaka 15 cyangwa 30 yinguzanyo yagenwe.Icya kabiri, raporo yasanze ubushobozi bwamazu bwarushijeho kwiyongera - ariko ntabwo ari hose.Iyo igipimo cyinyungu kizamutse, abahawe inguzanyo birashoboka cyane gutekereza kuri ARM bizeye ko ibiciro bizagabanuka mugihe kizaza.Icya gatatu, bamwe mubaguriza bashobora kumenya ko bazatunga umutungo gusa (cyangwa kuyitera inkunga) mumyaka 5 kugeza 10, bigatuma ARM iba nziza kuri gahunda yabo yimari.
Ibyiza bya ARMs
INGABO zifite inyungu nkeya mugihe cyambere (urugero, imyaka 5, 7 cyangwa 10), bityo kwishyura inguzanyo ya buri kwezi iri munsi cyane yinguzanyo yimyaka 30 yagenwe.Nubwo igipimo cyinyungu gihinduka cyane mugihe kizaza, abahawe inguzanyo mubisanzwe babona amafaranga menshi icyo gihe.INGABO zitanga amafaranga yiyongera kuko igipimo cyinyungu kijyanye nigice cyagenwe cyagenwe cyinguzanyo kiri hasi kugeza inyungu zahinduwe.INGABO zizemerera abahawe inguzanyo kubona neza inzu ihenze ku giciro cyo kwishyura.
Ibibi byintwaro
Ibiciro bya ARM mubisanzwe biri munsi yinguzanyo zagenwe.Ariko, banyiri amazu bazagira ihindagurika ryisoko hamwe ninyungu zitateganijwe.Niba igipimo cyinyungu kizamutse cyane, birashobora kongera cyane inguzanyo zamazu yabagurijwe kandi birashobora kubashyira mubibazo byubukungu.Ntamuntu uzi neza ibizaba ku gipimo cyinyungu.Niba igipimo cyinyungu kizamutse, abahawe inguzanyo barashobora kuba mumwanya mwiza wubukungu kugirango bakemure byinshi.Ibibi muri ARM bifitanye isano no kutamenya neza ejo hazaza h’ibidukikije.Kwiyongera 2% kwinyungu ku nguzanyo ya $ 500,000 (kuva 4% kugeza 6%) byongera inyungu ninyungu $ 610 kukwezi.
INGABO zakoze gute?
INGABO mubusanzwe zifite imyaka 5, 7, cyangwa 10 yambere igihe cyagenwe cyagenwe.Igihe ntarengwa cyagenwe kirangiye, igipimo cyinyungu gisanzwe gihindurwa buri mezi atandatu cyangwa buri mwaka.
Ibiciro byagenwe byabatijwe ni bike mugihe cyambere cyinguzanyo, mubisanzwe imyaka 5, 7, cyangwa 10.Ukurikije ibikubiye mu nguzanyo y'uguriza, igipimo cy'inyungu gishobora kwiyongeraho 2% ku mwaka iyo manda irangiye, ariko ntikizarenga 5% ubuzima bw'inguzanyo.Igipimo cyinyungu nacyo gishobora kugabanuka.Nyuma yigihe cyambere cyagenwe, abahawe inguzanyo bishyuye bazahindurwa hashingiwe kumafaranga asigaye muri kiriya gihe.Kurugero, igipimo cyinyungu gishobora kwiyongeraho 2%, ariko inguzanyo yinguzanyo yabagurijwe irashobora kugabanuka $ 40,000.
Abagenerwabikorwa n'abadahabwa inyungu za ARMs
INGABO irashobora kuba amahitamo meza kubaguriza bazi ko batazakomeza imitungo yabo kurenza igihe cyagenwe cyagenwe cya ARM.INGABO ni amahitamo niba uwagurijwe afite ubushobozi bwamafaranga bwo guhangana nihindagurika ryinyungu zikomeye kandi birashoboka ko yishyuwe cyane.Bamwe mu baguriza na bo bahitamo INGABO niba bemeza ko icyerekezo kigezweho cy’izamuka ry’inyungu n’izamuka ridashoboka kandi ko ibiciro bizagabanuka bikabemerera gutera inkunga mu gihe kiri imbere.Nyamara, benshi mubaguriza bahitamo umutekano wamafaranga yibicuruzwa byinguzanyo byagenwe.
Niba abahawe inguzanyo bafite disipuline nziza yubukungu, ARMs ni amahitamo meza.Niba batwaye imyenda myinshi ishobora kwiyongera mugihe, ARM irashobora guteza akaga mubukungu.INGABO zikorera abahawe inguzanyo neza bazi ko inguzanyo yabo izaba kumitungo mugihe cyambere cyagenwe.Iki kibazo kirinda gushidikanya ku nyungu zizaza.
Itangazo: Iyi ngingo yahinduwe na AAA LENDINGS;amwe mumashusho yakuwe kuri enterineti, umwanya wurubuga ntuhagarariwe kandi ntushobora gusubirwamo nta ruhushya.Hariho ingaruka ku isoko kandi ishoramari rigomba kwitonda.Iyi ngingo ntabwo igizwe ninama zishoramari kugiti cye, kandi ntizita ku ntego zihariye zishoramari, uko ubukungu bwifashe cyangwa ibikenerwa nabakoresha kugiti cyabo.Abakoresha bagomba gusuzuma niba ibitekerezo, ibitekerezo cyangwa imyanzuro ikubiye hano ihuye nibibazo byabo.Shora ukurikije ingaruka zawe.
Igihe cyo kohereza: Jun-10-2022