Mubereko wemondi paimba inorendwa unogona kubviswa here?
Kwemakore 2020 na2021, vashandi vakachinjira kubasa riri kure vanogona kubvisa EUR 5 pazuva rega rega rekarenda ravanoshanda kubva kumba, saka mari yacho inogumira kuEUR 600 pagore rekarenda uye saka muganhu wemazuva ekukumbira i120.
Pane mvumo yakajairika yevashandi yekubviswa kwebhizinesi kwe1.000 euros pagore. Kusvika padanho rekuti mari chaiyo ine chekuita nebasa inodarika iyo sambu-sum huwandu hweEUR 1.000, inobviswa kana ichigona kusimbiswa.
Zvichienderana nezvimwe zvinodiwa, chikamu chemari chaiyo yekuchengeta vana inogona kuderedzwa kusvika pachiyero cheEUR 4.000 pagore/pamwana kuvana vari pasi pemakore gumi nemana kana vakaremara.
30% yemari yechikoro (kusingabatanidzi kamuri, bhodhi uye nehanya) yevana vanokodzera vanovimba inobviswa kana uchipinda chikoro chakazvimiririra chiri muEU/EEA nyika kana yekuGerman uye kana kupedza chikoro kwabvumidzwa nehurumende. Mari dzakakosha dzinogona kunzi dzinogumira ku5.000 euros pagore pamwana.
Mortgage inofarira paimba yechipiri inogona kubviswa muna 2022
Mubereko pachikwereti chechipiri chinogona kubviswa pamitero yako kana watora chikwereti cheimba yechipiri? Uyu mubvunzo wakanaka, mhinduro kune iyo pasina mubvunzo inokanganisa maverengero ako epagore ekuronga mari. Kazhinji, mhinduro ndihongu, unogona. Ramba uchifunga, zvisinei, kuti kune mamwe mazwi uye mamiriro aunoda kuziva nezve kuti uone kana iwe uchikodzera kune izvo zvekubviswa mutero, sezvakatsanangurwa pazasi.
Ko zvikwereti zvechipiri imhando yechikwereti inokwanisa kukodzera kuderedzwa kwechimbadzo chembanje pasi pemitemo yemitero iripo yevaridzi vedzimba? Uyu mubvunzo wakanaka kubvunza paunenge uchironga bhajeti rako regore, kunyanya sezvo chechipiri chemba (inokubvumira kukwereta chitsama chemari paunenge uchichida) iri chikwereti kana mutsara wechikwereti waunosarudza kutora. kuenzana mumba mako. Inosiyana nerefinance yemortgage, iyo inotsiva chikwereti cheimba yako yekare neitsva uye inobvumidza iwe kuti uwane kuenzana kwemba pasina kuunza imwe mubhadharo wepamwedzi.
Mubereko wemondi unogona kubviswa here kubva kune zvekudyara zvinhu?
Hapana zvakawanda pamusoro pemitero inofadza vanhu, kunze kwekunge iri nyaya yekubviswa. Kubviswa kwemitero kune dzimwe mari dzinoshandiswa mugore rose romutero uye dzinogona kubviswa pamari inotererwa, nokudaro kuderedza mari inofanira kubhadharwa mutero.
Uye kune varidzi vemba vane chikwereti chemba, pane zvimwe zvakaderedzwa zvavanogona kusanganisira. Kubviswa kwemubereko wemubereko ndeimwe yeakatemerwa mitero yevaridzi vemba inopihwa ne IRS. Verenga kuti uone kuti chii uye kuti ungachitora sei pamitero yako gore rino.
Kubviswa kwechimbadzo chemondga inzira yemutero kune varidzi vedzimba. Kubviswa kwechinhu ichi kunobvumira varidzi vedzimba kuti vaverenge mubereko wavanobhadhara pachikwereti chine chekuita nekuvaka, kutenga kana kuvandudzwa kweimba yavo huru zvichienderana nemari yavanotambira, kuderedza huwandu hwemitero yavanokwereta. Kubviswa uku kunogona zvakare kuiswa kune zvikwereti zvedzimba dzechipiri, chero ukaramba uri mukati memiganhu.
Kune mamwe marudzi ezvikwereti zvemba anokodzera kubvisirwa mubereko wemubereko wemutero. Pakati pazvo pane zvikwereti zvekutenga, kuvaka kana kuvandudza dzimba. Kunyange zvazvo chikwereti chiri chemba, chikwereti cheimba, mutsara wechikwereti, kana chechipiri chembavha inogonawo kukodzera. Iwe unogona zvakare kushandisa iyo mortgage mubereko wekubvisa mushure mekugadzirisa imba yako. Iwe unongoda kuve nechokwadi chekuti chikwereti chinosangana nezvinodiwa pamusoro (tenga, kuvaka kana kuvandudza) uye kuti imba iri mubvunzo inoshandiswa kuchengetedza chikwereti.
Chii chinonzi imba yechipiri yezvinangwa zvemutero
Iwe unogona kunge uri saimba weimba kana kurenda imba yako se "saona muridzi weimba" nekuti wakagara nhaka nzvimbo kana nekuti hauna kutengesa imba yapfuura. Chero mamiriro ako ezvinhu, ita shuwa kuti unoziva mabasa ako emari.
Kana iwe uine imba yekugara, pane kutenga-to-rega remba, unofanirwa kuudza mukweretesi wako kana mumwe munhu asiri iwe achizogara ipapo. Izvi zvinodaro nekuti zvikwereti zvekugara hazvikubvumidze kurojesa nzvimbo yako.
Kusiyana nezvikwereti zvekutenga imba, zvibvumirano zvemvumo yekurenda zvinogumira munguva. Dzinowanzove kwenguva yemwedzi gumi nemiviri, kana kwenguva yakareba sezvaunenge uine nguva yakatarwa, saka inogona kubatsira semhinduro yenguva pfupi.
Kana ukasaudza mukweretesi, mhedzisiro yacho inogona kuve yakakomba, sezvo inogona kutorwa sehutsotsi hwemari. Izvi zvinoreva kuti mukweretesi wako anogona kuda kuti iwe ubhadhare chikwereti chemba nekukasira kana kuisa chibvumirano pachivakwa.
Varidzi vedzimba havachakwanisi kubvisa mari yembavha kubva pamari yekurenda kuti vaderedze mutero wavanobhadhara. Ivo zvino vachagamuchira kiredhiti yemutero zvichienderana ne20% mubereko wemubhadharo wavo wembande. Kuchinja kwekutonga uku kunogona kureva kuti iwe uchabhadhara mutero wakawanda kupfuura kare.
