Iyo mortgage ndeye 50% yemuhoro wemari
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Kana zvasvika kumaakaundi ekuchengetedza muWest Virginia, zvinoita sekunge munhu wese ane fomula kana hurongwa hwavanoti hwakanakisa. Kubva pakuchengetedza chikamu chakatarwa chemari yako mwedzi wega wega kusvika pakuisa mari yaunofanirwa kuchengetedza pazera rako kana kuti wasara nguva yakareba sei kusvika waenda pamudyandigere, mikana - uye kurudziro - hazviperi.
Heino muenzaniso wakakurumbira. Mubhuku rinonzi "All Your Worth: The Ultimate Lifetime Money Plan," US Senator uye aimbove purofesa weHarvard Elizabeth Warren vakagadzira chirongwa che50/30/20, icho chinokurudzira vanhu vekuAmerica kuti vapatsanure mari yavo yemutero mumakubhi matatu makuru.
Kune rimwe divi, Fidelity investment managers vanokurudzira kuti kanenge kamwechete muhoro wako uchengeterwe pamudyandigere uine makore makumi matatu, katatu muhoro wako nekusvitsa makore makumi mana, katanhatu muhoro wako nekusvitsa makumi mashanu, uye kasere muhoro wako paunosvitsa makumi matanhatu negumi. muhoro wakachengetwa pakusvitsa makore 30.
Mari yemubereko
Mari yemumba ndiyo inodiwa nesangano pamari yakakweretwa. Mari yemubereko imari isiri-yekushandisa inoonekwa pachiratidziro chemari. Vanomiririra mubereko unobhadharwa pane chero chikwereti - mabhondi, zvikwereti, chikwereti chinochinjika kana mitsara yechikwereti. Inonyanya kuverengerwa seyero yemubereko pamari yasara yechikwereti. Mari yemubereko iri mugwaro remari inomiririra mubereko wakawaniswa mukati menguva yakavharwa nezvitetimende zvemari, uye kwete huwandu hwemari yakabhadharwa panguva iyoyo. Nepo mari yemubereko ichibviswa mutero kumakambani, kana iri yemunhu vanovimba nemasimba avo uyezve chinangwa chechikwereti.
Kune vanhu vazhinji, mubereko wembandi ndiyo chikamu chikuru chemubereko weupenyu hwese, sezvo mubereko uchikwanisa kusvika makumi ezviuru zvemadhora mukati mehupenyu hwemumba.
Mari yemubereko inowanzoitika sechinhu chiri pabalance sheet yekambani, sezvo paine kazhinji misiyano yenguva pakati pemubereko unowanikwa uye mubereko unobhadharwa. Kana mhindu yawanda asi isati yabhadharwa, ichaonekwa muchikamu che "current liabilities" chebalance sheet. Nekune rumwe rutivi, kana mhindu yakabhadharwa kare, ichaonekwa muchikamu che "current assets" sechinhu chakabhadharwa kare.
Ndeipi chikamu chemuhoro chinofanira kuenda kune remba muAustralia
kuburitsa: Iyi positi ine affiliate links, zvinoreva kuti tinogashira komisheni kana ukadzvanya pane chinongedzo uye wotenga chimwe chinhu chatakakurudzira. Ndokumbira utarise mutemo wedu wekuburitsa kuti uwane rumwe ruzivo.
Kuchengetedza zvakakwana kutenga imba kunogona kuita sekusingabviri. Asi nehurongwa hwakasimba hwekuchengetedza, chero munhu anogona kuchengetedza zvakaringana kuti abhadhare paimba yavo yemaroto. Muchokwadi, iwe unogona kunge uri padyo nekuva nemari yaunoda yekubhadhara pasi usingatombozviziva. Uye kana zvisiri, pane akati wandei akapusa aungashandisa kuita kuti kuchengetedza imba kuve nyore.
Kuve neimwe mari paruoko chinhu chinodiwa kune avo vari kutsvaga kutenga imba, asi imarii mari inodiwa chaizvo? Vamwe vangangotenga vatengi vanotenda kuti havazombokwanisi kutenga imba nekuti havakwanise kubhadhara 20% yekubhadhara. Chokwadi ndechekuti vazhinji vanokweretesa havachada 20% yekubhadhara pasi. Saka unoda marii pakubhadhara pasi? Inogona kunge iri shoma pane yawakatungamirirwa kuti utende.
Zvichienderana nechikwereti chako uye mari yaunowana, unogona kuwana chikwereti chenguva dzose neinenge 3% pasi. Kana iwe uchikodzera chikwereti kubva kuUnited States Dhipatimendi rekurima (USDA) kana Dhipatimendi reVeterans Affairs (VA), unogona kutotenga imba pasina kubhadhara. Panguva ino, Rocket Mortgage® haipe USDA zvikwereti.
Chikamu chemari pamortgage uk
Chimwe chezvinhu zvakaoma kutenga imba kekutanga kuuya nekubhadhara. Iwe unogona kunge wakanzwa kuti kutenga, unofanirwa kuve ne20% yemutengo wakazara wemba wakachengeterwa kubhadhara. Muchokwadi, iwe unogona kusarudza huwandu hwemari yekupa kumberi zvichibva pane izvo zvinonyatsoenderana nemamiriro ako. Zvisinei, kuchengetedza mari yakakwana ye20 muzana yekubhadhara pasi kunogona kunetsa, kunyanya kune vanotanga kutenga imba.
Maitiro eKusarudza iyo Yakakodzera Kubhadhara Kubhadhara KwauriPane matanho maviri akakosha pakuita sarudzo pamusoro pemari yako yekubhadhara pasi. Kutanga, ongorora kuti imarii yaungaisa pakubhadhara pasi. Chechipiri, ongorora sarudzo dzechikwereti nevakweretesi kuti unzwisise kuti kubhadhara kwawakasarudzwa kunobata sei mutengo wakakwana.
