21/8/2023

Mugihe tugura inzu, dukeneye gutekereza kuburyo butandukanye bwinguzanyo, harimo ubwoko bubiri bwingenzi: inguzanyo yikigereranyo cyagenwe ninguzanyo zishobora kugabanywa.Kumenya itandukaniro riri hagati yubwoko bubiri ningirakamaro kugirango ufate icyemezo cyiza cyinguzanyo.Muri iyi ngingo, tuzibanda ku nyungu z’inguzanyo yagenwe, dusuzume ibiranga inguzanyo zishobora kugabanywa, tunaganire ku buryo bwo kubara ubwishyu bwawe.

Inyungu zinguzanyo zingana
Inguzanyo ntarengwa yagenwe ni bumwe mubwoko bwinguzanyo kandi busanzwe butangwa mugihe cyimyaka 10-, 15-, 20-, na 30.Inyungu nyamukuru yinguzanyo yagenwe ni igipimo cyayo.Nubwo igipimo cyinyungu cyamasoko gihindagurika, inyungu yinguzanyo ikomeza kuba imwe.Ibi bivuze ko abahawe inguzanyo bashobora kumenya neza umubare w'amafaranga bazishyura buri kwezi, bigatuma bashobora gutegura neza no gucunga ingengo yimari yabo.Kubera iyo mpamvu, inguzanyo zishingiye ku gipimo cyagenwe zitoneshwa n’abashoramari birinda ingaruka kuko zirinda inyungu zishobora kwiyongera.Ibicuruzwa bisabwa:Inguzanyo ya QM,DSCR,Itangazo rya Banki.

Isesengura ry'igipimo cy'inguzanyo Isesengura
Ibinyuranye, inguzanyo zishobora kugabanywa (ARMs) ziragoye kandi mubisanzwe zitanga amahitamo nka 7/1, 7/6, 10/1 na 10/6 INGABO.Ubu bwoko bwinguzanyo butanga inyungu ihamye yambere, nyuma yinyungu ihindurwa ukurikije uko isoko ryifashe.Niba ibiciro byisoko bigabanutse, urashobora kwishyura inyungu nke ku nguzanyo ishobora kugabanywa.

Kurugero, muri 7/6 ARM, “7 ″ byerekana igihe cyambere cyagenwe cyagenwe, bivuze ko inyungu yinguzanyo itagihinduka mumyaka irindwi yambere.“6 ″ yerekana inshuro zo guhindura igipimo, byerekana ko igipimo cyinguzanyo gihinduka buri mezi atandatu.

Urundi rugero rwibi ni "7/6 INGABO (5/1/5)", aho "5/1/5 ″ mumutwe usobanura amategeko yo guhindura ibiciro:
· “5 ″ ya mbere yerekana ijanisha ntarengwa igipimo gishobora guhindura ubwambere, kiri mu mwaka wa karindwi.Kurugero, niba igipimo cyawe cyambere ari 4%, hanyuma mumwaka wa karindwi, igipimo gishobora kwiyongera kugera kuri 4% + 5% = 9%.
· “1 ″ yerekana ijanisha ntarengwa igipimo gishobora guhinduka buri gihe (buri mezi atandatu) nyuma.Niba igipimo cyawe cyari 5% mugihe cyashize, noneho nyuma yo guhinduka gukurikira, igipimo gishobora kuzamuka kugera kuri 5% + 1% = 6%.
· Iherezo “5 ″ ryerekana ijanisha ntarengwa igipimo gishobora kwiyongera mubuzima bwinguzanyo.Ibi bijyanye nigipimo cyambere.Niba igipimo cyawe cya mbere cyari 4%, noneho mugihe cyose cyinguzanyo, igipimo ntikizarenga 4% + 5% = 9%.

Ariko, niba ibiciro byisoko bizamutse, ushobora kwishyura inyungu nyinshi.Iyi ni inkota y'amaharakubiri;mugihe ishobora kugira inyungu zinyongera, izana ningaruka nyinshi.Ibicuruzwa bisabwa:Doc Jumbo,WVOE&Kwitegura wenyine P&L.

Nigute ushobora kubara ubwishyu bwa Mortgage
Ntakibazo cyubwoko bwinguzanyo wahisemo, nibyingenzi kumva uburyo inguzanyo zawe zibarwa.Inguzanyo nyamukuru, igipimo cyinyungu nigihembwe nibintu byingenzi bigira ingaruka kumafaranga yo kwishyura.Mu nguzanyo ntarengwa, kubera ko igipimo cyinyungu kidahinduka, ubwishyu nabwo bugumaho.

1. Uburyo bungana nuburyo bukuru
Uburyo bukuru hamwe ninyungu nuburyo busanzwe bwo kwishyura, aho abahawe inguzanyo bishyura amafaranga angana ninyungu ninyungu buri kwezi.Mugihe cyambere cyinguzanyo, ibyinshi byishyurwa bigana inyungu;mubyiciro byanyuma, ibyinshi bigenda byishyurwa byingenzi.Amafaranga yo kwishyura buri kwezi arashobora kubarwa ukoresheje formula ikurikira:
Amafaranga yo kwishyura buri kwezi =
Iyo inyungu ya buri kwezi ihwanye ninyungu yumwaka igabanijwe na 12, naho igihe cyinguzanyo nigihe cyinguzanyo mumezi.

2. Uburyo bumwe Bukuru
Ihame ryuburyo bumwe bungana ni uko kwishyura umuyobozi bikomeza kuba bimwe buri kwezi, ariko inyungu zigabanuka buri kwezi hamwe no kugabanuka gahoro gahoro umuyobozi utahembwa, bityo amafaranga yo kwishyura buri kwezi nayo agabanuka buhoro buhoro.Amafaranga yo kwishyura ukwezi kwa cyenda arashobora kubarwa ukoresheje formula ikurikira:
Kwishura ukwezi kwa cyenda = (Umuyobozi w'inguzanyo / Igihe cy'inguzanyo) + (Umuyobozi w'inguzanyo - Umuyobozi wishyuwe wose) x Igipimo cy'inyungu buri kwezi
Hano, igiteranyo cyishyuwe cyose nigiteranyo cyibanze cyishyuwe mumezi (n-1).

Nyamuneka menya ko uburyo bwo kubara bwavuzwe haruguru bugenewe gusa inguzanyo zagenwe.Ku nguzanyo zishobora kugabanywa, kubara biragoye kuko igipimo cyinyungu gishobora guhinduka hamwe nisoko.

Mugihe igitekerezo cyo kugena igipimo cyagenwe hamwe noguhindura igipimo cyinguzanyo cyoroshye ugereranije, haribintu bimwe byingenzi.Kurugero, inguzanyo ntarengwa yagenwe itanga ubwishyu buhoraho, ariko ntushobora gukoresha inyungu ntoya niba ibiciro byisoko bigabanutse.Ku rundi ruhande, mugihe inguzanyo ishobora kugabanywa irashobora gutanga inyungu ntoya yambere, urashobora guhura nigitutu cyo kwishyura mugihe ibiciro byisoko byazamutse.Kubwibyo, abahawe inguzanyo bakeneye kuringaniza umutekano hamwe ningaruka, gusesengura imbaraga zamasoko mubwimbitse, no gufata ibyemezo byiza.

Mugihe uhisemo hagati yinguzanyo yagenwe cyangwa ihindagurika ryibiciro, ni ngombwa gusuzuma uko ubukungu bwifashe, kwihanganira ingaruka, hamwe nisoko ryifashe.Wige itandukaniro, ibyiza n'ibibi, kandi wige kubara ubwishyu bwawe.Ubu bumenyi ni ingenzi mu gutegura ingamba zikwiye zo gutanga inguzanyo.Turizera ko ikiganiro muriyi ngingo cyagufashije kumva neza no guhitamo inguzanyo nziza kubyo ukeneye.

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.