Zviri nyore here kuwana rendi kana uchitova nemba?
Paunenge uchisarudza pakati pezvimwe zvigadzirwa, zvinogona kuve nyore kuenda neanonyanya kufarirwa. Asi kana zvasvika pakusarudza chakakodzera renji chigadzirwa chezvinangwa zvako, kuenda neyakanyanya kufarirwa sarudzo inogona kunge isiri iyo yakanakisa sarudzo.
Mortgages kazhinji ine imwe nguva yekubhadhara chikwereti. Izvi zvinozivikanwa setemu yemortgage. Iyo inonyanya kuzivikanwa nguva yekukwereta muUnited States makore makumi matatu. Chikwereti chemakore makumi matatu chinopa mukwereti makore makumi matatu kuti abhadhare chikwereti chake.
Vanhu vazhinji vane rudzi urwu rwekukweretesa havachengetere chikwereti chepakutanga kwemakore makumi matatu. Muchokwadi, iyo yakajairika nguva yechikwereti, kana avhareji yehupenyu, isingasviki makore gumi. Izvi hazvisi nekuti ava vanokwereta vanobhadhara chikwereti munguva yekurekodha. Varidzi vedzimba vanowanzo gadziridza imba nyowani kana kutenga imba nyowani nguva isati yasvika. Maererano neNational Association of REALTORS® (NAR), vatengi vanongotarisira kugara mumba yavanotenga kweavhareji yemakore gumi nemashanu.
Saka nei iyo yemakore makumi matatu sarudzo iri avhareji yetemu yezvivakwa zvembambi muUnited States? Kukurumbira kwayo kune chekuita nezvinhu zvakati wandei, zvakaita semibairo yembanje iripo, muripo wepamwedzi, rudzi rweimba inotengwa kana zvinangwa zvemari zvemukwereti.
Zvinorevei kukwereta imba yaunayo?
Zvinoratidza kuti 63% yevaridzi vemba vachiri muhurongwa hwekubhadhara zvikwereti zvavo. Kana iwe uri kufunga kutengesa asi wakanamatira kune mamwe makore gumi nemanomwe ekubhadhara imba, hezvino izvo zvaunoda kuziva.
Paunenge uchitengesa, iwe unoda kuve neyakakwana yakaenzana kubhadhara chikwereti chako chechikwereti, kuvhara mari yekuvhara, uye kuita purofiti. Pakuvhara, mari yemutengi inotanga kubhadhara chikwereti chakasara chechikwereti chako uye mari yekuvhara, uye inokubhadhara iwe yakasara. Kana uri kutengesa imba yako nguva pfupi mushure mekutenga, bvunza mukweretesi wako kuti uone kana chirango chekubhadhara chinoshanda kune chikwereti chako.
Kuwana huwandu hweamortization ndiyo nzira yakanakisa yekuwana fungidziro chaiyo yekuti uchiri nechikwereti chakadii pachikwereti chako. Unogona kuwana mari yekubhadhara nekufonera mukweretesi wako nerunhare kana online. Ndokumbira utarise kuti mari yeamortization yakasiyana neyasara yechikwereti yasara inoratidzwa pane yako yemwedzi nemwedzi yemortgage statement. Mari yerudzikinuro inosanganisira mubereko wakawedzerwa pazuva rekuvhara, saka nhamba ine chokwadi. Kana iwe uchinge wawana iyo amortization bhajeti, mukweretesi anokuzivisa iwe nezvenguva yaro, iyo inowanzova pakati pegumi ne10 mazuva.
Ndine imba yangu uye ndinoda kutenga imwe
Kuva nemba ndicho chiroto chevanhu vakawanda. Asi ngationei kuti kutenga imba hakudhure. Zvinoda mari yakawanda iyo vazhinji vedu hatizombokwanisi kupa. Ndicho chikonzero mari yemortgage inoshandiswa. Mortgages inobvumira vatengi kutenga zvivakwa uye kuzvibhadhara nekufamba kwenguva. Nekudaro, iyo mortgage yekubhadhara system hachisi chinhu chinonzwisiswa nevanhu vazhinji.
Chikwereti chechikwereti chinoderedzwa, zvinoreva kuti chinopararira pamusoro penguva yakafanotemerwa kuburikidza nekubhadharwa kwemondi. Kana nguva iyoyo yapera - semuenzaniso, mushure memakore makumi matatu ekubhadhara mari - chikwereti chabhadharwa uye imba ndeyako. Kubhadhara kwega kwega kwaunoita kunomiririra musanganiswa wekufarira uye principal amortization. Chiyero chemubereko kune chikuru chinoshanduka muhupenyu hwese remba. Chaungasaziva ndechekuti mari yako yakawanda inobhadhara chikamu chepamusoro chekufarira mumatanho ekutanga echikwereti. Ndiwo mashandiro azvinoita zvese.
Mortgage interest ndiyo yaunobhadhara pachikwereti chako chemondi. Inobva pamari yemubereko yakabvumiranwa panguva yekusaina kondirakiti. Kubereko kunowanikwa, zvichireva kuti mari yechikwereti inobva pane mukuru pamwe nemhindu yakawedzerwa. Mareti anogona kugadziriswa, ayo anoramba akatsiga kwehupenyu hwemortgage yako, kana kuchinjika, iyo inogadzirisa pamusoro penguva dzakati wandei zvichienderana nekushanduka kwemitengo yemusika.
Ndine imba yangu uye ndinoda chikwereti
Kwose kwose unonzwa kuti kuipa sei 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.
