neveraged financing
Fungidzira kuti upenyu hungava hwakareruka sei kana ukanyora cheki kuti utenge imba yako inotevera. Hapana maitiro ekunyorera imba, hapana mubhadharo wepamwedzi, chengetedzo yekuve neimba yako zvachose - inonzwika senge isina-brainer, handiti?
Nzvimbo ine musoro yekutangira pasarudzo yekubhadhara mari kana kubhadhara nemari imari yekukwereta.Mazano eMotley Fool Stock Advisor ane avhareji yekudzoka ye618%. Nemadhora makumi manomwe nepfumbamwe (kana $79 chete pasvondo), batanidza nhengo dzinopfuura miriyoni uye usarasikirwa nesarudzo dzako dzinotevera. Mari yekudzoserwa garandi mumazuva makumi matatu. Register now
Maererano neZillow, mutengo wemusha wepakati muUnited States i $ 248.857 kubva kutanga kwaMay 2020. Irizvino mibairo yakatenderedza 3,5% ye30-year fixed-rate mortgages uye yakakomberedza 2,75% ye15-year fixed mortgages.
Kana iwe ukakwanisa kubhadhara bhiri pasina chikwereti chemba, kubhadhara mari yeimba sezviri pachena kunochengetedza mari yakawanda nekufamba kwenguva: $50.000 kusvika ku $150.000 mukurasikirwa kwakarasika kune avhareji mutengi wemba. Asi zvakanakira kubhadhara nemari hazvipereri ipapo.
Zviri nani kutenga nzvimbo yekudyara nemari kana nechikwereti?
Kwose kwose unonzwa kuipa kwazvo kuva nezvikwereti. Saka, zvinonzwisisika, zvine musoro kuti kutenga imba nemari-kana kuisa mari yakawanda mumba mako sezvinobvira kuti udzivise chikwereti chikuru chine chekuita nehomwe-ndiyo sarudzo yakangwara yehutano hwako hwemari.
Kubhadhara mari yeimba kunobvisa kukosha kwekubhadhara mubereko pachikwereti uye mari yekuvhara. "Hapana mari yekubhadhara imba, mari yekuongorora, kana imwe mari inobhadhariswa nevakweretesi kuti vaone vatengi," anodaro Robert Semrad, JD, shamwari yepamusoro uye muvambi weChicago-based DebtStoppers Bankruptcy Law Firm.
Kubhadhara nemari zvakare kunowanzo kukwezva kune vatengesi. "Mumusika une makwikwi, mutengesi angangotambira mari inopihwa pane imwe nekuti haafanire kunetseka kuti mutengi achatsigirwa nekunyimwa mari," anodaro Peter Grabel, maneja director weMLO Luxury Mortgage. Corp. in Stamford, Conn. Kutenga imba yemari zvakare kune mukana wekuvhara nekukurumidza (kana zvichidikanwa) pane imwe inosanganisira zvikwereti, izvo zvinogona kukwezva kune mutengesi.
Zvikonzero zvekubhadhara mari yerendi yemba
Isu tiri yakazvimiririra, inotsigirwa nekushambadzira sevhisi yekuenzanisa. Chinangwa chedu ndechekukubatsira kuita sarudzo dzemari dzine hungwaru nekupa maturusi ekudyidzana uye macalculator emari, kuburitsa zvepakutanga uye zvine chinangwa, uye nekukubvumidza iwe kuita tsvagiridzo uye kuenzanisa ruzivo rwemahara, kuti iwe ugone kuita sarudzo dzemari nechivimbo.
Izvo zvinopihwa zvinoonekwa pane ino saiti zvinobva kumakambani anotiripa. Muripo uyu unogona kukanganisa kuti zvigadzirwa zvinoonekwa sei uye kupi pane ino saiti, kusanganisira, semuenzaniso, kurongeka kwazvinogona kuoneka mukati mezvikamu zverondedzero. Asi muripo uyu haukonzeri ruzivo rwatinoburitsa, kana wongororo yaunoona pane ino saiti. Isu hatisanganisire zvakasikwa zvemakambani kana zvipo zvemari zvinogona kuwanikwa kwauri.
Isu tiri yakazvimiririra, inotsigirwa nekushambadzira sevhisi yekuenzanisa. Chinangwa chedu ndechekukubatsira kuita sarudzo dzemari dzine hungwaru nekupa maturusi ekudyidzana uye macalculator emari, kuburitsa zvepakutanga uye zvine chinangwa, uye nekukubvumidza iwe kuita tsvagiridzo uye kuenzanisa ruzivo rwemahara, kuti iwe ugone kuita sarudzo dzemari nechivimbo.
pekugara remba
Elizabeth Weintraub inyanzvi inozivikanwa munyika mune real estate, zita, uye escrow. Iye ari real estate agent uye broker ane anopfuura 40 makore ezita uye escrow ruzivo. Chiitiko chake chakaratidzwa muNew York Times, Washington Post, CBS Evening News, uye HGTV's House Hunters.
Doretha Clemons, Ph.D., MBA, PMP, anga ari mukuru weIT uye mudzidzisi kwemakore makumi matatu nemana. Iye adjunct purofesa kuConnecticut State Colleges nemaYunivhesiti, Maryville University, uye Indiana Wesleyan University. Iye anodyara zvivakwa uye director weBruised Reed Housing Real Estate Trust, uye ane rezinesi rekuvandudza imba kubva kuHurumende yeConnecticut.
Nzira yekutenga imba inogona kunonoka uye yakaoma, kunyanya kana uri kuedza kutenga mumusika unopisa uye uchikwikwidzana nevamwe vatengi. Mupiro wemari inzira yekumira kunze uye nekumhanyisa maitiro.
Kunyange chiri chokwadi kuti kutengeserana kwese kunopera mumari, chokwadi chekupa mari vatengi varipo nezvipingamupinyi. Vatengesi vanowanzoda kubata nevatengi vane zvipingamupinyi zvishoma. Mari inopihwa inzira yakanaka yekubvisa zvipingamupinyi izvozvo, asi haisi iyo yakanyanya kunaka sarudzo.
