Ndingabvisa sei zita rangu muchikwereti neex wangu?
Sarudzo idzi dzinoenderana nezvinhu zvakaita sehuwandu hwekuenzana mumba memumwe, kuti yakatengwa sei uye yakatumidzwa zita rekuti, kana munhu achida kugara mumba, kugadzirisana kwekurambana, uye zvikwereti zvevose vanobatanidzwa.
Kana iwe usina mari yekubhadhara chikwereti iwe pachako, unogona kuona kuti mukweretesi wekukweretesa haabvumire chikwereti chitsva cheimba ine mari imwe chete. Kutoti ukagona kuwedzera mari yako nokukurumidza, ungatofanira kutengesa imba yeroorano.
Kana chikwereti chako chadzikira kubva pawakatora chikwereti chako chemba chazvino, unogona kunge usisakodzeri kuwanazve mari. Iwe unogona kukwanisa kukurira yakaderera kiredhiti mamakisi nekukasira kudzokorora, asi budiriro uchishandisa iyo nzira iri kure neicho.
Semuenzaniso, kana iwe wakangovaka chikamu chidiki cheequity, refinance inogona kurambidza kana kusawanikwa. Sezvineiwo, pane mortgage sarudzo dzinogona kukubatsira kubata nekushaikwa kwenet value.
Zvisinei, mukwanyina asara anofanira kuratidza kuti vanga vachibhadhara imba yose kwemwedzi mitanhatu yapfuura. A Streamline Refinance yakanakira avo vakaparadzaniswa kwenguva yakareba iyi.
Kana zita rangu riri pachikwereti ihafu yangu
Kana iwe uine mari yekutenga imba nemumwe wako, mese mune chikamu chepfuma. Izvi zvinoreva kuti mumwe nemumwe ane kodzero yekuramba ari mumudziyo kunyangwe vakaparadzana. Asi mese muchave nemutoro wekubhadhara chikamu chenyu chemba kana mumwe wenyu afunga kuenda.
Kana iwe newawakambodanana naye musingawirirani pamusoro pezvinofanira kuitika kumba kwemhuri mukuparadzana kana kurambana, zvakakosha kuti muedze kuita sarudzo zvisina kurongwa kana kuburikidza nekuyananisa. Nekuti kana matambudziko ako akaenda kudare uye dare richifanira kukusarudzira, zvinhu zvinogona kureba uye zvinodhura.
Magweta edu ekurambana anogona kubatsira kugadzirisa kusawirirana kuri pakati pako newawakambodanana naye. Isu tinonzwisisa kuti imba yemhuri yako inogona kureva zvakawanda kwauri, saka isu tichashanda newe kuti uwane mhedzisiro yakanakira iwe nemhuri yako.
Kurambana inguva inoshungurudza vanhu vazhinji, uye kunetseka kwekugovana mari yese yawakambogovana kunogona kutonyanya kutyisa. Isu takanyora dzimwe dzesarudzo dzako dzekugadzirisa yako yakabatana mortgage panguva yekuparadzana:
Kuchinja kwezita pachikwereti
Vedu vemortgage broker inyanzvi pamatongerwo evakweretesi vanopfuura makumi mana, kusanganisira mabhanga nemakambani emari ane hunyanzvi. Tinoziva kuti ndevapi vanokweretesa vanotendera imba yako yemba, ingave yekubhadharira kurambana kana kubhadhara pfuma.
Iwe haugone "kutora" kana kubvisa kubva muchikwereti. Nepo kune dzimwe nyika unogona kutora chibatiso chemumwe munhu kana kubvisa mumwe munhu kubva muchibvumirano chemba, muAustralia izvi hazvibvumidzwe.
Isu zvakare tinokwanisa kuwana vane hunyanzvi vanokweretesa vanogona kufunga nezvemamiriro ako ezvinhu, zvisinei kuti mangani ekubhadhara akapotsa! Nekudaro, iwe unofanirwa kuratidza kuti iwe wakakwanisa kubhadhara izvo zvekudzosera kunyangwe iwe usina kuzviita.
“…Akakwanisa kutiwana nekukurumidza uye nekupokana kwechikwereti aine mubereko wakanaka apo vamwe vakatiudza kuti zvaizonyanya kuoma. Kufadzwa zvikuru nebasa ravo uye vangakurudzira zvikuru Nyanzvi dzeMortgage Loan mune ramangwana ”
"... vakaita kuti kunyorera uye kugadzirisa maitiro kuve nyore uye kusanetsekana. Vakapa ruzivo rwakajeka uye vaikurumidza kupindura chero mibvunzo. Vaive vakabuda pachena mune zvese zvaiitwa. "
Joint Mortgage Separation Rights
Zvisarudzo zvakarongwa muchibvumirano zvinogona kukubatsira kana kukukuvadza mukusarudza kuti imba yakawanda sei yaunogona kutenga. Izvo zvakakosha kuti uverenge mari yaunowana uye inoenderera mari yekushandisa, sezvo inogona kukanganisa kana iwe uchikwanisa kubhadhara pasi uye imba nyowani. 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.
