Nws tseem tsim nyog xav txog tias txawm hais tias tsis ntev los no tau nce siab ntawm cov paj laum, cov nqi qiv nyiaj hauv tsev tseem nyob hauv keeb kwm qis.
Nov yog Freddie Mac daim duab qhia txog kev txav ntawm 30-xyoo kev qiv qiv nyiaj txij li lub Plaub Hlis 1971, nrog 15-xyoo qiv ntxiv rau xyoo 1991 thiab cov nqi qiv nyiaj kho tau ntxiv rau xyoo 2005:
Freddie Mac
Raws li Freddie qhov kev tshawb fawb rau lub lim tiam xaus lub Peb Hlis 31, 2022, qhov nruab nrab cov paj laum rau 30-xyoo qiv yog 4.67% thiab qhov nruab nrab rau 15-xyoo qiv yog 3.83%.
Cov piv txwv ntawm kev them nyiaj hauv qab no tsis cuam tshuam cov nqi pib lossis cov ntsiab lus, lossis lwm yam nqi rau ntau yam kev pabcuam thaum lub sijhawm qiv-tsim. Cov nyiaj qiv nyiaj kuj tsis suav nrog cov se vaj tse thiab cov nqi tuav pov hwm, uas feem ntau yog escrowed thiab sau los ntawm tus neeg pabcuam qiv nyiaj ua ib feem ntawm tag nrho cov nyiaj them txhua hli.
Rau 40-xyoo qiv, peb siv tib cov paj laum li 30-xyoo qiv. Ib qho laj thawj rau qhov no yog tias tsis muaj qhov nruab nrab muaj rau 40-xyoo tsev-m yuav khoom lossis kev lag luam rov qab uas tseem tsis tau muaj tiag.
Lwm qhov laj thawj yog tias 40-xyoo qiv yuav tsis tas yuav muaj tus nqi siab dua li 30-xyoo qiv. (Raws li lub Plaub Hlis 1, cov txiaj ntsig ntawm 20-xyoo US Treasury bonds TUBMUSD 20Y, 2.618% yog 2.59%, uas yog siab dua 2.44% tawm los ntawm 30-xyoo Treasury bonds TUBMUSD 30Y, 2.457%. )
Kev them nyiaj amortizing qiv yog ib qho uas them rov qab cov nyiaj qiv nyiaj hauv lub sijhawm qiv nyiaj. Yog li cov nyiaj qiv pib pib hnyav hnyav rau cov paj, thiab cov nyiaj them mus rau qhov kawg ntawm cov nyiaj qiv yog hnyav hnyav rau tus thawj xibfwb.
Ntawm no yog kev sib piv ntawm cov nyiaj hli thiab cov paj laum rau peb qhov kev xav tau 40-xyoo qiv qiv nyiaj thiab 30-xyoo thiab 15-xyoo qiv ntawm $ 326,480, raws li 20% nqes them rau kev yuav tsev ntawm $ 408,100, lub teb chaws tus nqi nruab nrab raws li cov ntaub ntawv tsis ntev los no muaj los ntawm St. Louis Fed:
Term
Tus paj laum
Txhua hli P&I
Tag nrho cov paj laum them
Tag nrho cov paj tau them - thawj 5 xyoo
Tag nrho cov paj tau them - thawj 10 xyoo
Kev ncaj ncees tau tsim tom qab 5 xyoos
Kev ncaj ncees tau tsim tom qab 10 xyoos
40 xyoo
4.67%
$1,504
$395,244
$74,500
$144,875
$97,336
$117,177
30 xyoo
4.67%
$1,687
$280,970
$73,133
$138,890
$109,729
$145,215
15 xyoo
3.83%
$2,387
$103,218
$54,430
$90,151
$170,423
$277,936
Tag nrho cov nyiaj daus las tau muab sib npaug.
Lub rooj muaj kev sib piv ntawm tag nrho cov paj laum them rau lub neej ntawm txhua qhov qiv. Obviously cov paj tag nrho yog siab dua li cov nqe lus tau ntev. Tab sis kuj tseem muaj kev sib piv rau thawj tsib xyoos thiab thawj 10 xyoo ntawm kev them nyiaj paj rau txhua qhov qiv, thiab kev sib piv ntawm cov nyiaj tau los ntawm thawj tsib thiab 10 xyoo, suav nrog cov nyiaj them poob haujlwm.
Hauv qhov piv txwv no, cov paj laum them rau lub neej ntawm 40-xyoo qiv yuav ntau dua li cov nyiaj qiv. Nws los ze rau ob npaug ntawm tus nqi ntawm lub tsev.
Koj tseem tuaj yeem pom tias nrog 15-xyoo qiv, koj yuav tsim kev ncaj ncees ntawm ze li 70% ntawm tus nqi yuav khoom tom qab 10 xyoo.
Qhov zoo thiab qhov tsis zoo
Cov nyiaj qiv 40-xyoo muaj qhov qis tshaj them txhua hli ntawm $ 1,504. Tab sis nws sawv cev rau "txuag" tsuas yog $ 183 ib hlis los ntawm 30 xyoo qiv. Thaum xav txog tag nrho tus nqi ntawm lub tsev hauv qhov piv txwv no, ntxiv 10 xyoo ntxiv rau lub neej ntawm cov nyiaj qiv zoo li tus nqi siab kom txo cov nyiaj them tsawg dua $ 200 ib hlis.
Nws yog ib qho yooj yim hais tias rau ib tug neeg yuav tsev, 40-xyoo qiv tsis tshwm sim zoo li no. Tab sis rau tus tswv tsev tawm tsam ua lawv cov nyiaj them txhua hli uas tau txais kev hloov pauv nyiaj qiv 40 xyoo, qhov nyiaj qis dua yuav ua rau txhua qhov sib txawv.
Qhov sib piv ntawm 30-xyoo thiab 15-xyoo tus lej yog qhov hnyav dua. Cov nyiaj them txhua hli rau 15-xyoo qiv yog $ 700 siab dua. Qee cov neeg yuav khoom hauv tsev tuaj yeem them nyiaj ntau dua. Qhov zoo ntawm 15-xyoo qiv yog tias tag nrho cov paj laum them rau cov nyiaj qiv yog $ 103,218, piv nrog $ 289, 970 rau 30-xyoo qiv. Kaum tsib xyoos tuaj yeem zoo li mus sai sai, thiab nws zoo siab heev kom tsis txhob them nyiaj.
Tus neeg yuav tsev yuav tsum tsawg kawg nkag siab tias hom qiv nyiaj sib txawv ua haujlwm li cas.
Kev khawb tob rau hauv amortization
Saib ntawm amortization breakdown yog lwm txoj hauv kev los qhia seb koj tau them nyiaj npaum li cas rau koj lub tsev. Piv txwv li, nrog rau 30-xyoo qiv, paj paj ua rau $ 1,271 ntawm koj thawj cov nyiaj them txhua hli $ 1,687 (dua, daim duab yog sib npaug). Nov yog qhov kev sib piv ntawm qhov tseem ceeb ntawm cov nyiaj qiv txhua hli rau peb hom qiv nyiaj hauv thawj lub hlis thiab txuas ntxiv mus rau kab:
Term
Tus paj laum
Txhua hli P&I
Thawj feem - thawj lub hlis
Thawj feem - lub hli 60
Thawj feem - lub hli 120
40 xyoo
4.67%
$1,504
$233
$293
$370
30 xyoo
4.67%
$1,687
$417
$524
$662
15 xyoo
3.83%
$2,387
$1,345
$1,623
$1,966
Ua ke, cov ntxhuav qhia sai npaum li cas koj cov nyiaj qiv nyiaj tau them (lossis koj qhov kev ncaj ncees tau txhim tsa) nrog lub sijhawm qiv luv.
Kev xav zaum kawg thiab ceeb toom
Thaum yuav ib lub tsev - tshwj xeeb tshaj yog koj thawj lub tsev - txhua yam yuav tsum tau nyob ntawm lub rooj. Kev sib tham mus ntev yuav tsum suav nrog txhua lub hom phiaj nyiaj txiag thiab kev xav tau, suav nrog kev txuag nyiaj laus, kev kawm, kev siv nyiaj kho mob yav tom ntej thiab txawm tias lub tsheb, tsheb thauj khoom lossis SUVs koj npaj yuav lossis xav yuav. Koj kuj tseem yuav ua tib zoo saib koj qhov kev kwv yees thawj zaug ntawm qhov chaw koj xav tau ntau npaum li cas. Qhov ntau npaum li cas yog rau kev khaws cia? Koj khaws dab tsi? Yog tias koj khaws tsawg dua, koj yuav tau them tsawg dua.
Kev yuav tsheb feem ntau yog nyiaj txiag, thiab rau ntau tus khub niam txiv tuaj yeem them nyiaj txhua hli uas mus txog kev them nyiaj qiv tsev txhua hli. Yog li ntawd, ib qho nyuaj saib hauv daim iav yog qhov tsim nyog. Muaj ntau qhov sib txawv uas yuav tsum tau xav txog thaum yuav lub tsheb, suav nrog kev ua haujlwm - koj yuav xav tau lub tsheb thauj khoom kim. Los yog tej zaum koj yuav tau pom tsav tsheb zoo lig-qauv los ua kom muaj kev zoo siab yog tias koj muag vaj tse, piv txwv li.
Tab sis qee tus neeg tuaj yeem tuaj yeem ncua sijhawm yuav lub tsheb tshiab, uas tuaj yeem ua rau muaj kev ntxhov siab thaum ua qhov kev txiav txim siab nyiaj txiag hauv tsev ntau xyoo.
ceeb toom ceeb toom
Cov se vaj tse raug xam los ntawm ntau txoj hauv kev, nyob ntawm seb koj nyob hauv lub xeev twg. Hauv qee lub xeev, cov se yog nyob ntawm tus nqi muag tsev lossis tus nqi se vaj tse tam sim no kwv yees ntawm lub tsev tus nqi, nrog kev nce txhua xyoo tuaj yeem txwv qis feem pua. Qhov no tuaj yeem txhais tau tias tus neeg yuav tsev yuav them se vaj tse ntau dua li tus neeg muag khoom tau them.
Thaum ntxov ntawm koj txoj kev txiav txim siab hauv tsev, nco ntsoov ua koj tus kheej kwv yees ntawm koj cov se vaj tse yuav ua li cas, tsis yog tso siab rau tus qiv lossis lub tuam txhab cov npe kwv yees, uas yuav yog raws li cov se vaj tse xyoo dhau los. Koj tuaj yeem tiv tauj tus neeg soj ntsuam cov khoom hauv lub nroog kom tau txais kev pab nrog qhov kwv yees no.
Lwm qhov tseem ceeb uas yuav tsum xav txog yog kev pov hwm tus tswv tsev, suav nrog kev pab them nqi ntxiv uas yuav xav tau yog tias koj nyob hauv thaj chaw nyab xeeb lossis hauv thaj chaw muaj kev phom sij, xws li nag xob nag cua. Yog tias koj tsiv mus rau sab qab teb los ntawm lub xeev nyob rau sab qaum teb sab hnub tuaj lossis Midwest, piv txwv li, koj yuav ntsib qhov sib txawv - thiab kim dua - kev lag luam pov hwm dua li koj tau ntsib yav dhau los.
Tau qhov twg los: https://www.marketwatch.com/story/heres-how-much-a-40-year-mortgage-would-save-you-each-month-vs-a-30-year-loan-and- the-ultimate-cost-11649084594?siteid=yhoof2&yptr=yahoo
Nov yog ntau npaum li cas 40-xyoo qiv yuav txuag koj txhua lub hlis vs. 30-xyoo qiv. Thiab tus nqi kawg.
Tebchaws Asmeskas kev lag luam nyiaj txiag hauv tsev tau raug tswj hwm los ntawm 30-xyoo tus nqi qiv nyiaj qiv rau ntau xyoo.
Tam sim no qee tus neeg tseem ceeb hauv Asmeskas kev lag luam vaj tsev xav tias nws yog lub sijhawm los muab cov neeg yuav khoom hauv tsev xaiv qhov kev qiv qiv rau 40 xyoo. Cov nyiaj them poob qis hauv ib hlis tuaj yeem pab qee tus neeg qiv nyiaj los daws cov nqi tsev-tus nqi nce nqi. Tom qab ntawd ib zaug ntxiv, nws yuav tsis tsim nyog ntxiv 10 xyoo ntawm kev qiv nyiaj.
Hauv qab no yog ib qho piv txwv ntawm cov nyiaj qiv nyiaj yuav zoo li cas rau 40-xyoo tus nqi qiv nyiaj qiv, piv nrog cov nyiaj qiv 30-xyoo thiab 15-xyoo.
Jacob Passy tau piav qhia tias kev sib tham ntawm tsoomfwv cov koomhaum ntawm 40-xyoo qiv qiv nyiaj tau los txog tam sim no nyob rau hauv kev hloov pauv nyiaj qiv rau cov neeg qiv nyiaj tsis txaus kom coj lawv cov nyiaj tam sim no. Tab sis qhov no tuaj yeem taw qhia txoj hauv kev rau kev lees txais dav thiab muaj 40-xyoo qiv rau txhua tus neeg yuav khoom hauv tsev.
Nyeem: Tiag tiag, 40 xyoo qiv nyiaj? Ib tus neeg ua haujlwm Fed xav tias nws yog ib lub tswv yim zoo. Tab sis lwm tus hais tias nws yog qhov kev pheej hmoo txaus ntshai.
Tebchaws Asmeskas muaj kev lag luam qiv nyiaj qiv nyiaj tsis txaus ntseeg, coj los ntawm Fannie Mae
-0.73%
-1.10% ,
FNMA,
thiab Freddie Mac
FMCC,
uas yuav feem ntau ntawm cov nyiaj qiv tshiab, ntim lawv thiab muag cov nyiaj qiv nyiaj rov qab rau cov tub ua lag luam. Ob lub tsev qiv nyiaj loj, ob qho tib si tau raug coj los ntawm tsoomfwv kev saib xyuas hauv xyoo 2008, tau teeb tsa cov qauv qiv nyiaj rau cov nyiaj qiv uas lawv yuav. Ob leeg twb tau koom nrog hauv cov kev pab cuam los hloov cov qiv qiv nyiaj uas twb muaj lawm rau 40-xyoo cov nqe lus rau cov neeg qiv nyiaj nyuaj, thiab ob qho tib si yuav koom nrog yog tias 40-xyoo qiv tau dav dav rau cov neeg yuav tsev.
Muaj peev xwm zoo ntawm 40-xyoo qiv
Qhov pom tseeb muaj peev xwm zoo ntawm 40-xyoo qiv nyiaj yog qhov them nyiaj qis dua. Ua ntej peb ua kev sib piv qiv nyiaj, ntawm no yog ib daim ntawv qhia los ntawm Tsoom Fwv Teb Chaws Reserve Bank ntawm St. Louis, uas qhia txog kev txav ntawm nruab nrab US cov nqi muag tsev txij li xyoo 1970:
Tsoom Fwv Tebchaws Reserve Bank ntawm St. Louis
Lub St. Louis Fed qhov kev kwv yees tsis ntev los no rau qhov nruab nrab USUS tus nqi muag hauv tsev tau tshaj tawm thaum Lub Ib Hlis 26 thiab yog $ 408,100, thiab peb cov piv txwv yog raws li tus lej no. Daim ntawv qhia ntau xyoo qhia pom tias muaj ntau qhov kev thim rov qab rau kev ua lag luam, suav nrog qhov ntev thiab mob hnyav los ntawm thawj peb lub hlis twg ntawm xyoo 2007 txog rau thawj peb lub hlis twg ntawm xyoo 2009, tab sis txwv tsis pub, cov kev taw qhia ntawm daim ntawv qhia tau meej meej, tshwj xeeb tshaj yog thaum xav txog qhov ntev ntawm cov nyiaj txais feem ntau. qiv.
Tso tseg cov kev pab cuam tshwj xeeb rau cov neeg qiv nyiaj qis, uas tej zaum yuav muaj qhov yuav tsum tau them qis qis, peb cov piv txwv yuav xav tias 20% them nqi ntawm $ 81, 620 rau cov nyiaj qiv ntawm $ 326,480.
Tus nqi nruab nrab ntawm lub tebchaws yuav tsis siv rau thaj chaw uas koj tab tom nrhiav yuav tsev, tab sis nws yuav tsum ua haujlwm zoo los qhia txog qhov sib txawv ntawm cov nqe lus qiv nyiaj thiab qhia seb qhov hnyav ntawm cov nyiaj qiv nyiaj rau tus thawj xibfwb thiab cov paj laum li cas.
Cov paj laum thiab amortizing qiv nyiaj
Txij li tam sim no kev lag luam qiv nyiaj qiv nyiaj hauv Teb Chaws Asmeskas yog tus thawj coj los ntawm 30-xyoo thiab 15-xyoo cov nyiaj qiv nyiaj qiv, peb yuav muab piv rau ob qho no nrog kev qiv nyiaj 40 xyoo. Kho-tus nqi tsev qiv nyiaj kuj muaj. Txawm li cas los xij, cov no muaj qhov sib txawv ntawm lub sijhawm teem tseg.
Ib qho kev txav loj: Cov nqi tsev qiv nyiaj zoom dhau los 4.5% - ntawm no yog cov neeg yuav khoom hauv tsev yuav tsum paub
Nws tseem tsim nyog xav txog tias txawm hais tias tsis ntev los no tau nce siab ntawm cov paj laum, cov nqi qiv nyiaj hauv tsev tseem nyob hauv keeb kwm qis.
Nov yog Freddie Mac daim duab qhia txog kev txav ntawm 30-xyoo kev qiv qiv nyiaj txij li lub Plaub Hlis 1971, nrog 15-xyoo qiv ntxiv rau xyoo 1991 thiab cov nqi qiv nyiaj kho tau ntxiv rau xyoo 2005:
Freddie Mac
Raws li Freddie qhov kev tshawb fawb rau lub lim tiam xaus lub Peb Hlis 31, 2022, qhov nruab nrab cov paj laum rau 30-xyoo qiv yog 4.67% thiab qhov nruab nrab rau 15-xyoo qiv yog 3.83%.
Cov piv txwv ntawm kev them nyiaj hauv qab no tsis cuam tshuam cov nqi pib lossis cov ntsiab lus, lossis lwm yam nqi rau ntau yam kev pabcuam thaum lub sijhawm qiv-tsim. Cov nyiaj qiv nyiaj kuj tsis suav nrog cov se vaj tse thiab cov nqi tuav pov hwm, uas feem ntau yog escrowed thiab sau los ntawm tus neeg pabcuam qiv nyiaj ua ib feem ntawm tag nrho cov nyiaj them txhua hli.
Rau 40-xyoo qiv, peb siv tib cov paj laum li 30-xyoo qiv. Ib qho laj thawj rau qhov no yog tias tsis muaj qhov nruab nrab muaj rau 40-xyoo tsev-m yuav khoom lossis kev lag luam rov qab uas tseem tsis tau muaj tiag.
Lwm qhov laj thawj yog tias 40-xyoo qiv yuav tsis tas yuav muaj tus nqi siab dua li 30-xyoo qiv. (Raws li lub Plaub Hlis 1, cov txiaj ntsig ntawm 20-xyoo US Treasury bonds
2.618%
2.457% .
TUBMUSD 20Y,
yog 2.59%, uas yog siab dua 2.44% tawm los ntawm 30-xyoo Treasury bonds
TUBMUSD 30Y,
)
Kev them nyiaj amortizing qiv yog ib qho uas them rov qab cov nyiaj qiv nyiaj hauv lub sijhawm qiv nyiaj. Yog li cov nyiaj qiv pib pib hnyav hnyav rau cov paj, thiab cov nyiaj them mus rau qhov kawg ntawm cov nyiaj qiv yog hnyav hnyav rau tus thawj xibfwb.
Ntawm no yog kev sib piv ntawm cov nyiaj hli thiab cov paj laum rau peb qhov kev xav tau 40-xyoo qiv qiv nyiaj thiab 30-xyoo thiab 15-xyoo qiv ntawm $ 326,480, raws li 20% nqes them rau kev yuav tsev ntawm $ 408,100, lub teb chaws tus nqi nruab nrab raws li cov ntaub ntawv tsis ntev los no muaj los ntawm St. Louis Fed:
Tag nrho cov nyiaj daus las tau muab sib npaug.
Lub rooj muaj kev sib piv ntawm tag nrho cov paj laum them rau lub neej ntawm txhua qhov qiv. Obviously cov paj tag nrho yog siab dua li cov nqe lus tau ntev. Tab sis kuj tseem muaj kev sib piv rau thawj tsib xyoos thiab thawj 10 xyoo ntawm kev them nyiaj paj rau txhua qhov qiv, thiab kev sib piv ntawm cov nyiaj tau los ntawm thawj tsib thiab 10 xyoo, suav nrog cov nyiaj them poob haujlwm.
Hauv qhov piv txwv no, cov paj laum them rau lub neej ntawm 40-xyoo qiv yuav ntau dua li cov nyiaj qiv. Nws los ze rau ob npaug ntawm tus nqi ntawm lub tsev.
Koj tseem tuaj yeem pom tias nrog 15-xyoo qiv, koj yuav tsim kev ncaj ncees ntawm ze li 70% ntawm tus nqi yuav khoom tom qab 10 xyoo.
Qhov zoo thiab qhov tsis zoo
Cov nyiaj qiv 40-xyoo muaj qhov qis tshaj them txhua hli ntawm $ 1,504. Tab sis nws sawv cev rau "txuag" tsuas yog $ 183 ib hlis los ntawm 30 xyoo qiv. Thaum xav txog tag nrho tus nqi ntawm lub tsev hauv qhov piv txwv no, ntxiv 10 xyoo ntxiv rau lub neej ntawm cov nyiaj qiv zoo li tus nqi siab kom txo cov nyiaj them tsawg dua $ 200 ib hlis.
Nws yog ib qho yooj yim hais tias rau ib tug neeg yuav tsev, 40-xyoo qiv tsis tshwm sim zoo li no. Tab sis rau tus tswv tsev tawm tsam ua lawv cov nyiaj them txhua hli uas tau txais kev hloov pauv nyiaj qiv 40 xyoo, qhov nyiaj qis dua yuav ua rau txhua qhov sib txawv.
Qhov sib piv ntawm 30-xyoo thiab 15-xyoo tus lej yog qhov hnyav dua. Cov nyiaj them txhua hli rau 15-xyoo qiv yog $ 700 siab dua. Qee cov neeg yuav khoom hauv tsev tuaj yeem them nyiaj ntau dua. Qhov zoo ntawm 15-xyoo qiv yog tias tag nrho cov paj laum them rau cov nyiaj qiv yog $ 103,218, piv nrog $ 289, 970 rau 30-xyoo qiv. Kaum tsib xyoos tuaj yeem zoo li mus sai sai, thiab nws zoo siab heev kom tsis txhob them nyiaj.
Koj tuaj yeem khiav koj tus kheej qhov kev sib piv ntawm 15-xyoo thiab 30-xyoo qiv, nrog rau lwm lub sijhawm thiab kho tus nqi qiv nyiaj siv MarketWatch's nqi tsev cuab tam.
Kev sib cav sib ceg rau 15-xyoo qiv yuav suav nrog cov sijhawm poob. Cov nyiaj qiv 30 xyoo muaj cov paj laum ntawm 4.67%, thiab ib tus tuaj yeem cia siab tias lub sijhawm ntev yuav tau txais txiaj ntsig los ntawm ntau dua tus nqi rov qab los ntawm kev nqis peev dav hauv kev lag luam Tshuag. Tab sis qhov ntawd ua rau cov lus nug ntawm seb puas yog $ 700 hauv cov nyiaj ntsuab txhua hli pub dawb los ntawm 30-xyoo qiv yuav raug nqis peev. Tej zaum nws yuav ntxias kom siv cov nyiaj ntawd rau lub tsheb kim tshaj li qhov koj xav yuav.
Qhov kev txiav txim siab ntawm lub tsev yuav thiab qhov kev txiav txim siab qiv nyiaj yuav tsum muaj nyob rau hauv tsev neeg cov kev xav tau, suav nrog qhov chaw, txuag thiab nqis peev rau nyiaj laus thiab kev kawm, thiab ntau cov nuj nqis hauv tsev.
Tus neeg yuav tsev yuav tsum tsawg kawg nkag siab tias hom qiv nyiaj sib txawv ua haujlwm li cas.
Kev khawb tob rau hauv amortization
Saib ntawm amortization breakdown yog lwm txoj hauv kev los qhia seb koj tau them nyiaj npaum li cas rau koj lub tsev. Piv txwv li, nrog rau 30-xyoo qiv, paj paj ua rau $ 1,271 ntawm koj thawj cov nyiaj them txhua hli $ 1,687 (dua, daim duab yog sib npaug). Nov yog qhov kev sib piv ntawm qhov tseem ceeb ntawm cov nyiaj qiv txhua hli rau peb hom qiv nyiaj hauv thawj lub hlis thiab txuas ntxiv mus rau kab:
Ua ke, cov ntxhuav qhia sai npaum li cas koj cov nyiaj qiv nyiaj tau them (lossis koj qhov kev ncaj ncees tau txhim tsa) nrog lub sijhawm qiv luv.
Kev xav zaum kawg thiab ceeb toom
Thaum yuav ib lub tsev - tshwj xeeb tshaj yog koj thawj lub tsev - txhua yam yuav tsum tau nyob ntawm lub rooj. Kev sib tham mus ntev yuav tsum suav nrog txhua lub hom phiaj nyiaj txiag thiab kev xav tau, suav nrog kev txuag nyiaj laus, kev kawm, kev siv nyiaj kho mob yav tom ntej thiab txawm tias lub tsheb, tsheb thauj khoom lossis SUVs koj npaj yuav lossis xav yuav. Koj kuj tseem yuav ua tib zoo saib koj qhov kev kwv yees thawj zaug ntawm qhov chaw koj xav tau ntau npaum li cas. Qhov ntau npaum li cas yog rau kev khaws cia? Koj khaws dab tsi? Yog tias koj khaws tsawg dua, koj yuav tau them tsawg dua.
Kev yuav tsheb feem ntau yog nyiaj txiag, thiab rau ntau tus khub niam txiv tuaj yeem them nyiaj txhua hli uas mus txog kev them nyiaj qiv tsev txhua hli. Yog li ntawd, ib qho nyuaj saib hauv daim iav yog qhov tsim nyog. Muaj ntau qhov sib txawv uas yuav tsum tau xav txog thaum yuav lub tsheb, suav nrog kev ua haujlwm - koj yuav xav tau lub tsheb thauj khoom kim. Los yog tej zaum koj yuav tau pom tsav tsheb zoo lig-qauv los ua kom muaj kev zoo siab yog tias koj muag vaj tse, piv txwv li.
Tab sis qee tus neeg tuaj yeem tuaj yeem ncua sijhawm yuav lub tsheb tshiab, uas tuaj yeem ua rau muaj kev ntxhov siab thaum ua qhov kev txiav txim siab nyiaj txiag hauv tsev ntau xyoo.
ceeb toom ceeb toom
Cov se vaj tse raug xam los ntawm ntau txoj hauv kev, nyob ntawm seb koj nyob hauv lub xeev twg. Hauv qee lub xeev, cov se yog nyob ntawm tus nqi muag tsev lossis tus nqi se vaj tse tam sim no kwv yees ntawm lub tsev tus nqi, nrog kev nce txhua xyoo tuaj yeem txwv qis feem pua. Qhov no tuaj yeem txhais tau tias tus neeg yuav tsev yuav them se vaj tse ntau dua li tus neeg muag khoom tau them.
Thaum ntxov ntawm koj txoj kev txiav txim siab hauv tsev, nco ntsoov ua koj tus kheej kwv yees ntawm koj cov se vaj tse yuav ua li cas, tsis yog tso siab rau tus qiv lossis lub tuam txhab cov npe kwv yees, uas yuav yog raws li cov se vaj tse xyoo dhau los. Koj tuaj yeem tiv tauj tus neeg soj ntsuam cov khoom hauv lub nroog kom tau txais kev pab nrog qhov kwv yees no.
Lwm qhov tseem ceeb uas yuav tsum xav txog yog kev pov hwm tus tswv tsev, suav nrog kev pab them nqi ntxiv uas yuav xav tau yog tias koj nyob hauv thaj chaw nyab xeeb lossis hauv thaj chaw muaj kev phom sij, xws li nag xob nag cua. Yog tias koj tsiv mus rau sab qab teb los ntawm lub xeev nyob rau sab qaum teb sab hnub tuaj lossis Midwest, piv txwv li, koj yuav ntsib qhov sib txawv - thiab kim dua - kev lag luam pov hwm dua li koj tau ntsib yav dhau los.
Tau qhov twg los: https://www.marketwatch.com/story/heres-how-much-a-40-year-mortgage-would-save-you-each-month-vs-a-30-year-loan-and- the-ultimate-cost-11649084594?siteid=yhoof2&yptr=yahoo