Ndinofanira kupa mumwe wangu chiyero here pakurambana?
Vakawanda vakaroorana vanosarudza kutengesa imba; kazhinji mudiwa mumwe chete haakwanisi kutakura mutoro wekubhadhara imba. Kutengeswa kunofambisawo kugovewa kwezvinhu kana manejimendi ezvikwereti. Zvisinei, mune dzimwe nguva, mumwe wevanoshamwaridzana anosarudza kugara, dzimwe nguva kupa hupenyu hwakagadzikana kune vana kana kuti nzvimbo yeimba yakaisvonaka, kana zvichida kana misika yeimba isingafadzi.
Mubvunzo nguva pfupi yadarika wakauya pawekishopu yedu yepamwedzi yekurambana pamusoro pezvikwereti zvatisina kunzwa kakawanda. Zvakadaro, mubvunzo unounza kumwe kutya pamusoro pechikwereti icho vanhu vanowanzova nacho panguva yekuita, kunyanya kana vachibata nevakaroorana vasingadi kurambana.
Kuti tipindure mubvunzo uyu, tinotanga tafunga kuti mazita ese ari pachikwereti. Kana mazita ose ari pachikwereti, vose vane mhosva yekubhadhara. Kunonoka kana kutadza kubhadhara kunozoonekwa pane ako ese echikwereti marepoti.
Mushure mokunge kurambana kwapera, vaviri vanogara neimba vanoendesa chikwereti kune zita ravo. Kuti aise parutivi chikwereti chemba, iye anozofanira kugadzirisa zvakare. (Cherechedza kuti chirevo chekurambana hachingochinji chibatiso, chinova chibvumirano chakasiyana chawakasainira iwe nemumwe wako.)
Mibvunzo pamusoro pekurambana uye chikwereti
Kana iwe uri munharaunda yenzvimbo yenharaunda uye uchida kuti mumwe wako asabude muchikwereti, unogona, asi zvakasiyana kana uri kunyorera kuburikidza neFederal Housing Administration (FHA) kana Dhipatimendi reVeterans Affairs (VA). Kana ukanyorera chikwereti cheFHA kana VA, mukweretesi anozofanira kufunga nezvezvikwereti zvemumwe wako paunenge uchinyorera chikwereti.
Mamiriro ezvinhu aya anogona kunetsa kana mumwe wako aine chikwereti chakawanda. Zvikwereti zvako zvichawedzera chikwereti chako-ku-income ratio (DTI), kunyanya sezvo vasingazowedzeri chero mari kana vasiri pachikwereti. Zvisinei, kana iwe usingade kuti mumwe wako atore chikamu muchikwereti nekuda kwechikwereti chako chakaderera, kushandisa wega kungave nzira yekuenda nayo.
Kana iwe uchigara munharaunda yenharaunda uye uchiedza kutenga imba asi uchisiya wawakaroora kunze kwezita, haugone kuzviita. Kana iwe ukatenga imba iwe wakaroora, wawakaroorana naye achava muridzi we50% yeimba.
Kana ukasiya zita remumwe wako pazita remba uye uchida kuriwedzera gare gare, unogona kuzviita nekunyora gwaro rekurega basa. A quitclaim deed inokutendera iwe kuendesa mubereko wemuridzi kubva kune mumwe munhu kuenda kune mumwe.
Kutenga imba mushure mekuparadzana vasati varambana
Kana iwe ukaparadzana nemumwe wako uye uine imba yako pakati penyu imi vaviri, imwe yemasarudzo akakosha emari aungaite ndezvinoitika kwazviri. Ziva zvaunofanira kuita uye kuti ndezvipi zvaungasarudza kana usina kuroora kana kuroorwa.
Iwe uri mukutanga kwekuparadzana uye unoda ruzivo rwekuchengetedza sei kodzero dzako dzekugara pamba? Ipapo zvakakodzera kuverenga gwara redu Kuchengetedza Kodzero dzeVaridzi Vepamba Panguva yekuparadzana kana Iwe Uri Mumba Wepamusha.
Savaroorani vanogara pamwe chete asi vasina kuroorana kana kuti vari muukama hweroorano, havana musengwa wokuzvitsigira vamene mune zvemari pashure pokurambana. Asi sevabereki munotarisirwa kubhadhara mari yevana venyu.
Izvi hazvirevi kuti munhu anenge agara mumba ndiye muridzi wayo kana kuti ane chikamu chayo, asi kuti anogona kuva nekodzero yokugaramo kwemakore akati kuti. Kazhinji kutozosvikira mwana mudiki asvika zera rakati.
Wakabhadhara here imba, kuvandudzwa kana kuwedzera? Muchiitiko ichocho, iwe unogona kukwanisa kuisa izvo zvinonzi "kufarira kunobatsira." Izvi zvinogona kureva kuti uchakwanisa kutora chikamu chemari chepfuma, kana kodzero yekugara mairi.
Divorce mortgage muzita rangu chete
Sarudzo dzakaitwa muchibvumirano dzinogona kukubatsira kana kukukuvadza pakuona kuti imarii yaungakwanisa kutenga imba. Izvo zvakakosha kuti uverenge mari yaunowana uye mari inoenderera mberi, sezvo ichigona kukanganisa kana iwe uchigona kubhadhara pasi uye kubhadhara kune imwe imba yemba. Zvichienderana nemamiriro ezvinhu, unogona kubhadhara mari yegweta, kutsigirwa kwevana, alimony, kana zvimwewo mari.
Kana iwe uri mutoro wekubhadhara pane chero chivako chiripo chaungave nacho musati marambana, izvo zvinosanganisirwa muDTI yako. Sezvineiwo, kana mumwe wako akatora pfuma, mukweretesi wako anogona kusabvisa iyo mubhadharo kubva pane zvaunokwanisa.
Kana vakaroorana vanorambana, dare rinopa murayiro wokurambana (unozivikanwawo semutongo kana kuti murayiro) unokamura mari yavo, zvikwereti, uye zvimwe zvinhu zvewanano yavo nokusarudza kuti munhu mumwe nomumwe ane chii uye anofanira kuripa. Zvakanakisisa kuparadzanisa mari yako nemari yako, nokuti chikwereti chako chekwereti chinofanira kunyatsoratidza mamiriro ako emari.
Zviri mukati mekutsigira kwevana kana zvibvumirano zvealimony zvakakoshawo. Kana iwe ukabhadhara kune wako wekare, iwo anosanganisirwa muchikwereti chako chemwedzi. Kune rimwe divi, kana iwe uchigona kuratidza kuti unogamuchira mubhadharo wepamwedzi unozoenderera kwenguva yakati, izvi zvinogona kubatsira mari yako inokodzera.
