Sei asina kukwereta achifanira kusaina imba yemba?
Zvinoenda pasina kutaura kuti nzira yekutenga imba ihombe. Vazhinji vangangove varidzi vedzimba vanoziva kuti kutenga imba ndeimwe yematanho makuru emari anoitwa nemunhu wepakati muhupenyu hwavo.
Kana varidzi vemba vane kodzero yekupona, zvinoreva kuti migove yenzvimbo yemumwe wevaridzi inotamiswa zvakananga kune vasara vagara (va) batira pamwe kana vasara parufu rwavo. Kunyange zvazvo muridzi wemba achigovaniswa zvakaenzana muhupenyu, varidzi vapenyu vanowana mwene wakazara wemigove yevaridzi pamwe navo vakafa.
Somuenzaniso, ngatiti vakaroorana vanotenga imba voipa mazita vachishandisa zita iri. Chero bedzi varidzi vese vari vapenyu, JTWROS zvinoreva kuti vese vane kodzero dzakaenzana kumudziyo. Hapana mumwe wenyu anogona kutengesa imba yacho kana kuisa chero rudzi rwechibatiso pairi (senge remba remba) pasina mvumo yemumwe muridzi.
Chii chinonzi "kodzero yekupona" inorevei? MuJTWROS, umiridzi hunotamiswa parufu. Kana mumwe wevakaroorana afa, kufarira kwavo pfuma kunobva kwaenda kumukwanyina anenge asara. Hachizopfuuri nenzira yekuteedzana uye hachigone kupihwa kune chero mudyi wenhaka.
Muroora pazita asi kwete pachikwereti
Paunenge uchiedza kuwana chikwereti chekubhadhara imba, zvese zvingasarudzwa zvinogona kukurira. A joint mortgage inogona kuva sarudzo huru yekufunga nezvayo, kunyanya kune vekutanga vanotenga imba, sezvo ichikubvumidza iwe kupatsanura chikwereti nemumwe munhu.
Mari yakabatanidzwa inogovaniswa nemapato akawanda, kazhinji mutengi wemba neshamwari yake, mudiwa, kana nhengo yemhuri. Vamwe vanhu vanonyorera yemubatanidzwa wemba yemubereki nemwana nevana vavo vakura. Mari yakabatana inobvumira mapato maviri kana anopfuura kuti abatanidze zviwanikwa zvavo zvemari uye vakwanise kuwana chikwereti chakakura kana chiri nani pane chavangawana vakaparadzana.
Paunotenga imba nehomwe yembavha, unogovera mutoro wechikwereti nemumwe munhu. Kunyangwe vanyoreri vemondgage vakabatanidzwa kazhinji vakaroora, havafanirwe kunge vakachata nemumwe mubato kune chikwereti, vanongofanirwa kuzadzisa zvinodiwa uye kuve anopfuura makore gumi nemasere. Zvinhu zvinoshandiswa pakusarudza kana uchikodzera kukwereta zvakangofanana nekukumbira remba iwe pachako; Mukweretesi anotarisa pachikwereti chemukwereti, mari, chikwereti, nhoroondo yebasa, nezvimwe. Mapato ese achatora chikamu muchikwereti anofanirwa kuendesa ega fomu remba.
Muroora mumwe chete pachikwereti asi vese vari pazita
Kune akati wandei masangano emari anopa zvikwereti kune vanhu vanotenga chivakwa, semuenzaniso, makambani ekukweretesa uye mabhangi. Iwe unozofanirwa kuona kana uchikwanisa kutora chikwereti uye, kana zvakadaro, kuti imarii (kuti uwane rumwe ruzivo nezve mortgages, ona chikamu cheMortgages).
Mamwe makambani ezvimba anopa vatengi chitupa chinoti chikwereti chinenge chiripo chero bedzi nzvimbo yacho ichigutsa. Unogona kuwana chitupa ichi usati watanga kutsvaga imba. Makambani ezvivakwa anoti chitupa ichi chinogona kukubatsira kuti mutengesi agamuchire chipo chako.
Iwe uchafanirwa kubhadhara dhipoziti panguva yekutsinhana kwezvibvumirano, mavhiki mashoma kutenga kusati kwapera uye mari inogamuchirwa kubva kune mukweretesi wemba. Iyo dhipoziti inowanzo 10% yemutengo wekutenga wemba, asi inogona kusiyana.
Kana iwe wawana imba, iwe unofanirwa kuronga yekutarisa kuti uve nechokwadi kuti ndiyo yaunoda uye kuti uwane zano rekuti iwe uchafanirwa kushandisa imwe mari paimba, semuenzaniso kugadzirisa kana kushongedza. Zvakajairika kuti munhu angangotenga ashanyire nzvimbo kaviri kana katatu asati afunga kuita chinopihwa.
Kana zita rangu riri pagwaro, ndini muridzi weimba yacho.
Imba inogona kuve yemunhu mumwechete kana nevanopfuura mumwechete. Kana usina chokwadi chekuti uri mwene-mumwe kana kuti muridzi weimba, unofanira kugara uchitarisa. Nzira yekuita izvi inobva pakuti chivako chacho chakanyoreswa here kana kuti kwete.
Registered property inoreva kuti Property Registry ine rekodhi remudziyo unosanganisira zvinhu zvakaita sekuti ndiani muridzi wemudziyo. Unogona kubvunza registry nekukumbira makopi epamutemo. Kuti utarise kana iwe uri muridzi, unofanirwa kubata iyo Property Registry uye kukumbira kopi yepamutemo yenzvimbo.
Nzvimbo isina kunyoreswa zvinoreva kuti ruzivo rwenzvimbo iyi haruna kuchengetwa muRekodhi neLand Registry, asi inochengetwa mumagwaro akasiyana. Magwaro aya anonzi ma title deeds . Title magwaro acharatidza kuti muridzi wemudziyo ndiani. Mazita ezvivakwa anowanzo kubatwa nemupi wako wemortgage. Kana iwe usina imba yemba, mazita ezvivakwa anofanira kunge akabatwa nemuridzi kana anogona kubatwa negweta. Nhasi, zvivakwa zvakawanda zvakanyoreswa. Unogona kutarisa kuLand Registry kana imba yemhuri yako yakanyoreswa.
