Ndingawana here imba yemba pasina basa kana ndine mari yandakachengeta?
Nhamba yekutora chikamu chebasa, iyo inoyera nhamba yevanhu vezera rekushanda (15-64) vari chikamu chevashandi, iri pamwero wayo wakaderera kubva kuma 1970. Muna Nyamavhuvhu, 4,3 mamiriyoni eAmerica akasiya mabasa avo, nhamba yepamusoro-soro Makore makumi maviri nerimwe, apo US Bureau yeLabour Statistics yakatanga kutevera iyi data muna 21.
Asi zvakadini kana vanhu vakasiya mabasa vachida kutenga imba mumwedzi mishomanana kana makore anotevera, kunyanya kana mitengo yedzimba ichikwira? Kunyange zvazvo nyaya dzevanhu vakasiya mabasa dziri nekuda kwezvikonzero zvakasiyana-siyana, kubva kuneta nekushanda mumaresitorendi vachitambira mari shoma, vopedzisira vasarudza kuenda pamudyandigere, kutsvaga mabasa anobhadhara zviri nani, kana kuda kutanga Bhizinesi Idzva. Nekudaro, havasi vese vanoregera vanosikwa vakaenzana mumeso evakweretesi vemortgage.
Vasisadi kushanda muhofisi huru yeguta, vamwe vashandi vekumba vakatama kubva munzvimbo huru dzemaguta kuti vawane nzvimbo yakawanda (uye dzimwe nguva, mutengo wakaderera) munzvimbo dzepasi peguta nekumaruwa. Vamwe vanogona kunge vakangofunga kuti yaive nguva yekutevera chiroto chavo chekuva nemba kana vatarisana nedenda rinochinja hupenyu.
Iwe unofanirwa kushanda kwenguva yakareba sei kuti uwane rendi?
Kana chikumbiro chako chemba chikarambwa, pane zvinhu zvakawanda zvaunogona kuita kuti uvandudze mikana yako yekubvumidzwa nguva inotevera. Usamhanyire kune mumwe mukweretesi, sezvo chikumbiro chega chega chinogona kuoneka pafaira rako rechikwereti.
Chero zvikwereti zvepayday zvawakave nazvo mumakore matanhatu apfuura zvichaonekwa pane rekodhi yako, kunyangwe iwe wakazvibhadhara nenguva. Inogona kuramba ichipokana newe, sevanokweretesa vangafunga kuti hauzokwanisi kubhadhara mari yekuva nechikwereti.
Vanokweretesa havana kukwana. Vazhinji vacho vanoisa data rako rekushandisa mukombuta, saka unogona kunge usina kupihwa imba nekuda kwekukanganisa pafaira rechikwereti. Mukweretesi haakwanisi kukupa chikonzero chaicho chekutadza chikumbiro chechikwereti, kunze kwekunge chine hukama nefaira rako rechikwereti.
Vanokweretesa vane maitiro akasiyana ekunyora pasi uye vanotora akati wandei ezvikonzero paunenge uchiongorora chikumbiro chako chemba. Inogona kuve yakavakirwa pamusanganiswa wezera, mari, chinzvimbo chebasa, chikwereti-ku-value ratio, uye nzvimbo yepfuma.
Mortgage ine isingasviki 1 gore rebasa
Kana uine basa remwaka uye uchishanda chikamu chegore chete, unganetseka kuwana chikwereti chekutenga kana kugadzirisa imba. Ingave basa rako riri remwaka chaiwo, rakadai sekurima gadheni kana kuchenesa sinou, kana kuti basa rechinguvana raunoita apo neapo, rudzi urwu rwebasa runogona kurongwa senguva dzose.
Iwe uchada kupa zvinyorwa, zvakadai seW-2 mafomu uye mitero inodzoka, kuratidza kune inshuwarisi kuti wakashanda kune mumwe mushandirwi-kana kuti akashanda mumutsara mumwe chete webasa-kwemakore maviri apfuura. Waunoshandira anofanirawo kukupa magwaro anoratidza kuti vachakupinza basa mumwaka unotevera.
Kuve nemagwaro akakodzera kunogona kuve mutsauko pakati pekuve nekodzero yekutenga imba kana kusapihwa. Usati watanga chikumbiro chako chechikwereti, ita shuwa kuti une maW-2s ekupedzisira 2 makore, mutero unodzoserwa, muripo wemari, zvirevo zvebhangi, uye chero humwe humbowo hwekubhadhara. Iwe zvakare unozofanirwa kupa humbowo kubva kune wako waunoshandira kuti uchashanda mwaka unotevera.
Ndingawana here mari yembavha kana ndichangotanga basa idzva?
Kune vazhinji vanokweretesa, chimwe chezvinodikanwa zvekutanga inhoroondo yemakore maviri yebasa, kana makore maviri mubhizinesi rako kune vanozvishandira vanokwereta. Kana iwe usina makore maviri enhoroondo yebasa uye wanga uchitsvaga imba yemba, unosungirwa kuwana kuti vashoma vanokweretesa vanogona kukubatsira.
Chinodiwa chenhoroondo yebasa chinotungamirwa naFannie Mae naFreddie Mac nhungamiro kuti vakwanise kuwana chikwereti chenguva dzose. Vechivanhu vanokweretesa, sebhangi raungawana munharaunda yako, tevera iwo nhungamiro.
Kana iwe usina makore maviri akazara enhoroondo yebasa, unogona kuwana chikwereti chekutenga imba yako yemaroto. Zvisinei, zvichave kuburikidza nepurogiramu isiri yechinyakare. Iwe unozofanirwa kuratidza kuti iwe unoshanda uye uine yakadzikama nzira yekuwana mari. Rega tikubatsire iwe kuwana mukweretesi anobvumidza imba isina makore maviri enhoroondo yebasa.
Vazhinji vanokweretesa havakubvumiri iwe kuve nemakwanza mumabasa pasina tsananguro yakanyorwa inogamuchirwa. Mukaha unogona kugadzirwa nekurasikirwa nebasa uye nguva yaitora kuti uwane basa idzva. Zvingakonzerwa nokurwara kana kuti kutarisira mumwe wemumhuri. Mune zvimwe zviitiko, kukanganisa kwakagadzirwa mushure mokunge mwana achangoberekwa auya munyika. Kazhinji chikumbiro chechikwereti chinorambwa nekuda kwekushaya basa. Isu tinokwanisa kukunda dambudziko iri uye kuti chikumbiro chako chechikwereti chitenderwe.
