Ndinofanira kubhadhara imba yangu here?
"Kana iwe uchida kuwana rusununguko rwemari, unofanirwa kubvisa chikwereti chose, uye hongu, izvo zvinosanganisira chikwereti chako," munyori wezvemari uye mubatsiri weABC's "Shark Tank" anoudza CNBC Make It. nezera makumi mana nemashanu, zvese kubva. zvikwereti zvevadzidzi kuchikwereti chekadhi rechikwereti zvakabhadharwa, anodaro O'Leary.
Unogona here kuwana 30-year mortgage chikwereti kana wakura? Chekutanga, kana uine nzira, hapana zera ranyanya kuchembera kuti utenge kana kugadzirisa imba. Iyo Equal Credit Opportunity Act inorambidza vanokweretesa kuvhara kana kuodza moyo chero munhu kubva pakutora imba yemba inoenderana nezera.
Sei uchifanira kukurumidza kunyora imba yako? Nekubhadhara chikwereti chako, uri kuita chokwadi chekudzoka pakudyara kwako zvakaenzana nereti yemubereko pachikwereti. Kubhadhara chikwereti chemba kare kunoreva kuti uri kushandisa mari yaigona kunge yaiswa kumwe kunhu kweupenyu hwese hwembavha, kusvika pamakore makumi matatu.
Kubhadhara chikwereti chemba kare inzira yakanaka yekusunungura mwedzi wega wega uye kubhadhara mari shoma. Asi iwe ucharasikirwa nechikwereti chemubereko wekubvisa mutero, uye iwe ungangozowana yakawanda nekudyara panzvimbo. Usati waita sarudzo, funga nezvekuti waizoshandisa sei mari yakawedzerwa mwedzi wega wega.
Hupenyu mushure mekubhadhara chikwereti
Di Johnson munguva yakapfuura akawana mari yekutsvagisa kubva kuFinancial Planning Education Council (FPEC), uye akabatsira kumapurojekiti akatsigirwa zvishoma kana kutsigirwa nevanoshanda navo muindasitiri yekuronga mari. Ndiye Shamwari yeChikoro cheDzidzo yepamusoro, Mudzidzi weFinancial Planning Association (FPA), Shamwari yeFPEC (Australia), US Academy of Financial Services (AFS), uye Australian Economics Society. (ESA) , kusanganisira iyo Women in Economics Network (WEN). Ichi chinyorwa chikamu chenhevedzano yezvemari nehupfumi dzidzo inotsigirwa neEcstra Foundation.
Kana mari yako yekukurumidzira ichiita seyakanaka uye uine yakakwana yekukuvharira kwemwedzi mitatu kusvika mitanhatu kana ukarasikirwa nebasa rako, mubvunzo wekutora imba kana pamudyandigere isarudzo yakanaka yekufungisisa. Hapana mhinduro imwechete kune wese.
Pakutanga kuona, kune nharo dzinokurudzira dzekuunganidza kurega basa; unogona kutora mukana wemashiripiti emubereko wemukomboni (uye pamwe mamwe mareti emutero zvakare), zvese nepo mareti embavha ari pasi.
Sei usingambofi wakabhadhara chikwereti chako?
Isu tiri yakazvimirira, ad-inotsigirwa kuenzanisa sevhisi. Chinangwa chedu ndechekukubatsira kuita sarudzo dzemari dzine hungwaru nekupa maturusi ekudyidzana uye macalculator emari, kutsikisa zvekutanga uye zvemukati zvine chinangwa, uye nekukubvumidza kuti utsvage uye uenzanise ruzivo mahara, kuti ugone kuita sarudzo dzemari uine chivimbo.
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.
Imba inobhadharwa mu45
Funga nezvechikwereti chakanaka neiyi nzira: Kubhadhara kwega kwega kwaunoita kunowedzera muridzi weiyo asset, apa imba yako, zvimwe zvishoma. Asi chikwereti chakaipa, sekubhadhara kadhi rechikwereti? Chikwereti ichocho ndechezvinhu zvawakatobhadhara uye pamwe uri kushandisa. Iwe hauchazo "vane" peya ye jeans, semuenzaniso.
Pane mumwe musiyano mukuru pakati pekutenga imba nekutenga zvinhu zvakawanda nemasevhisi. Kazhinji, vanhu vanogona kubhadhara mari yezvinhu zvakaita sembatya kana zvemagetsi. “Ruzhinji rwevanhu vaisakwanisa kutenga imba nemari,” anodaro Poorman. Izvi zvinoita kuti mari yembavha ive yakakosha kutenga imba.
Uri kuunganidza mari yekuchengeta pamudyandigere. Nemitengo yemubereko yakaderera, "kana ukaisa mari yaungadai wakashandisa kubhadhara chikwereti muakaundi yekurega basa, kudzoka kwenguva refu kunogona kudarika mari yakachengetwa kubva pakubhadhara chikwereti," anodaro Poorman.
Zano: Kana uine rombo rakanaka rekukwanisa kubhadhara chikwereti chako nekukurumidza uye pfungwa inoenderana nemari yako, funga kutamira kune chirongwa chekubhadhara kaviri vhiki, kupeta iyo yose yaunobhadhara, kana kuita imwe mubhadharo pagore.
