Ndiani anogadza zuva rekuvhara rekuvaka kutsva
Mibvunzo nezve mirau uye mutemo muindasitiri yako? Kuchinja kwakarongwa kumitemo? Kutsvaga mabhuku enhau uye zviziviso? Kana iwe uri bhizinesi kana kushanda mune imwe yeaya maindasitiri akadzorwa, uchawana mhinduro pano.
Kune vazhinji veNew Brunswickans, imba ndiko kutenga kukuru kana kuisa mari kwavanoita. Naizvozvo, zvakakosha kuti unzwisise zvizere uye ufungisise padanho rega rega resarudzo yekutenga, kubva pakutsvaga imba chaiyo nemutengo wakakodzera, kusvika pakutsvaga chikwereti chakakodzera pamubereko wakakodzera, kutsvaga inishuwarenzi yakanaka.Nekuda kwako.
Paunotenga imba, haungazvifungi iwe semuridzi wezvivakwa, asi ndizvo chaizvo zvauri. Izvi zvinoreva kuti iwe unofanirwa kufunga nezvekutenga kwako sechinopfuura nzvimbo yekuti iwe nemhuri yako mugare. Iwe unofanirwa kufunga nezvenyaya dzakadai semukana wekuti imba ichakosheswa iwe uri muridzi wayo uye kuti mari yemubereko yeramangwana ingakanganisa sei iwe nekudyara kwako.
Kutenga imba kunosanganisira nhamba inokatyamadza yemitengo, mazhinji ayo aive asingatarisirwe. Saka kana uchifunga kana uchikwanisa kutenga imba yaunoda, unofanirwa kuziva mari dzese dzauchasangana nadzo usati watanga chirongwa chekutenga. Iwe haudi chero zvinoshamisa kana zvasvika kune yako mari.
Mortgage kuzvipira tsamba yekuvaka kutsva
Kana uchitsvaga imba, kukwezva kwekuvaka kutsva hakurambike. Sei uchienda mumusha memumwe munhu iwe uchigona kushanda nemuvaki kugadzira imba yezviroto zvako? Iwe uchave uine zvese zvitsva nezvese zvechizvino-zvino uye iwe ungangove uine mari shoma yekugadzirisa.
Dzimba itsva dzekuvaka dzingaratidzika sechisarudzo chiri nyore, asi dzine mhinganidzo dzadzo. Kune imwe, zvikwereti zveimba itsva dzekuvaka zvinowanzova zvakaoma kupfuura kutengesa zvakare. Uyezve, iwe unomhanyisa njodzi yekuwira munjodzi yekukweretesa nzira nevavaki. Heano mhinduro gumi neshanu kune mimwe yemibvunzo inowanzo zivikanwa nezve dzimba nyowani dzekuvaka.
Ngatitangei nezvekutanga: Imba nyowani yekuvaka chero ipi zvayo nzvimbo isati yambogarwa kubva payakavakwa. Kana iwe ukatenga kubva kumuvaki, mukana wekuti imba yako nyowani yatangwa sechidimbu chevhu. Rimwe zuva mugadziri anofunga mberi akauya, akatenga nzvimbo yacho, uye akaikamura kuva mijenya inovaka. Akabva atengesera nzvimbo yacho kune mumwe mugadziri akashandisa nguva nemari kuti avake nzvimbo pasuru imwe neimwe yaigona kutengeswa kune vanotenga imba kuti vawane purofiti.
Kutenga imba itsva yekuvaka mubhadharo
Kuvaka imba kubva pakutanga kunogona kuve mukana wakanaka wekugadzirisa nzvimbo yako nyowani. Asi kungofanana nokutenga imba, kuvaka kunogona kuva tarisiro inodhura. Sezvineiwo, zvikwereti zvekuvaka zvinopa mari inodiwa kutenga nzvimbo yacho uye kubhadhara zvinhu uye basa rinobatanidzwa mukuvaka imba itsva.
Izvo zvakati, kune akati wandei marudzi ezvikwereti zvekuvaka zvekusarudza kubva, uye maitiro ekunyorera nemvumo akaomarara kupfuura echinyakare remba. Isu tichakubatsira kudzima zvikwereti zvekuvaka nekutsanangura mashandiro avanoita, marudzi emari aripo, uye zvauchazoda kuti ukwanise.
Chikwereti chekuvaka imari yenguva pfupi iyo inogona kushandiswa kubhadhara mari ine chekuita nekuvaka imba, kubva pakutanga kusvika pakupedzisira. Zvikwereti zvekuvaka zvinogona kubhadhara mutengo wekutenga nzvimbo, kudhirowa zvirongwa, kuwana mvumo, uye kubhadhara vashandi uye zvekushandisa. Chikwereti chekuvaka chinogona zvakare kushandiswa kuwana mari yezvinoitika - kana purojekiti ichidhura kupfuura yaitarisirwa - kana matura emari, kune avo vasingade kuvabhadhara panguva yekuvaka.
Mortgage yeimba nyowani yekuvaka
Zvirongwa zvedzimba zvinotungamirwa nenharaunda zvinokodzera kupihwa mari yeimwe nyanzvi yemubhadharo. Nzvimbo iyi ine rumwe ruzivo kana shanyira iyo Community Led Homes webhusaiti kuti uwane huwandu hwakakura hwemazano. Zvingave zvakakodzera kutendeukira kune mamwe masangano makuru ekukweretesa, akadai seEcology Building Society, kunyangwe kuwana mari yezvirongwa zvekuzvivaka zveboka kunogona kuve kwakaoma sezvo uchifanirwa kuratidza kugona kwechirongwa.
Kune yekuzvivakira imba yemba, mari dzinowanzo kugamuchirwa pamatanho akasiyana ekuvaka uye tsika iyi yaivimba nemuongorori anoshanyira saiti kusaina pamatanho aya uye kuburitsa chikamu chinotevera chemari. Zvakadaro, izvi zvinogona kukuisa panjodzi yedambudziko rekubuda kwemari kana basa rikadzika 'mumutengo', izvo zvinogona kukusiya usina mari yekubhadhara mabhiri kana kufambisira mberi basa.
Vamwe vapeji vane hunyanzvi, seBuildstore, vanopa zvikwereti zvekuzvivaka zvega apo mari inoburitswa panguva yekuvaka yakabatana nemutengo wechikamu chimwe nechimwe chebasa uye haina kutsamira pakukosha kwenzvimbo, ichipa vanovaka runyararo rwakawanda. pfungwa. Iyi yanga iri shanduko chaiyo yemutambo panguva yedenda, apo kushanya kwemumunda kwaive kwakaoma.
