Avhareji yezera rekubhadhara imba
Kubhadhara chikwereti chako nekukurumidza kunogona kukubatsira kugadzikana mune zvemari uye kunogona kuchengetedza mari nekufamba kwenguva nekuwedzera mubereko wakaderera. Hedzino dzimwe dzenzira dzaunogona kubhadhara mari yako yemortgage nekukurumidza:
Imwe nzira yekuchengetedza mari pamubereko, uchidzikisa nguva yechikwereti, ndeyekuita mari yekuwedzera yekubhadhara. Kana mukweretesi wako asingabhadhari chirango chekubhadhara chikwereti chako kare, funga zvinotevera nzira dzekubhadhara mari dzekutanga.
Ingo rangarira kuzivisa wako mukweretesi kuti mari yako yakawedzerwa inofanira kuiswa kune mukuru wechikoro, kwete mubereko. Zvikasadaro, mukweretesi anogona kushandisa mubhadharo kune mubhadharo wakarongwa mune ramangwana, izvo zvisingakuchengetedzi mari.
Zvakare, edza kubhadhara kare kare muchikwereti, kana mubereko wakanyanya. Iwe unogona kusazviziva, asi yakawanda yekubhadhara kwako pamwedzi kwemakore mashoma ekutanga inoenda kune mubereko, kwete mukuru. Uye mhindu inowedzerwa, zvichireva kuti mubereko wemwedzi wega wega unotariswa nemari yese inokweretwa (principal plus interest).
Avhareji yezera rekubhadhara remba muUK
Sezvo 2020 mitengo yembanje muUnited States yakarova rekodhi, kutengesa kwemba kwakawedzera gore rose. Dhata kubva kuFreddie Mac inoratidza kuti chiyero chemubereko pamakumi matatu-gore chakagadziriswa mbanje, kusasanganisa mubhadharo nemapoinzi, yakawira pasi pe30% muna Chikunguru 3 kekutanga munhoroondo. Pakati peaya mareti embavha ari kuderera, muna Mbudzi 2020, kutengeswa kwedzimba kutsva uye kwavepo kwaive ne2020% uye 20,8% yakakwira, zvichiteerana, kupfuura gore rapfuura, sekureva kweCensus Bureau data neNational Association of Realtors.
Maitiro ekubhadhara mari yembangi anozivikanwa seamortization. Fixed-rate mortgages ine mubhadharo wepamwedzi mumwe chete weupenyu hwese hwechikwereti, kunyangwe mari inobhadharwa muprincipal uye mubereko ichichinja nekuti mari yemubereko inoverengwa zvichibva pane yasara yechikwereti chemba. Saka, chikamu chemari yemwedzi wega wega chinoshanduka kubva pakunyanya kufarira kuenda kumukuru panguva yechikwereti. Pazasi pane kuparara kwechirongwa chekubhadhara chikwereti che $30-gore-fixed-rate mortgage ine 200.000% yemubereko wepagore.
Iwe unotanga rini kubhadhara mukuru kupfuura mubereko pachikwereti chemotokari?
Kubhadhara chikwereti chemba nekukurumidza kunogona kuve kufamba kwakanaka kune vakawanda vanokwereta. Inogona kuchengetedza zviuru zvemadhora mubereko uye inokupa mimwe mikana yekusununguka kwemari. Varidzi vepamba vanogona kusarudza kuchengetedza mari yakawedzerwa, kuita mari, kana kuiisa kune zvirongwa zvekurega basa.
Pane zvikonzero zvinoverengeka zvekufunga nezvekubhadhara chikwereti chemba. Semuenzaniso, mubereko wakachengetwa pachikwereti chemakore makumi matatu pamusha we $30 unogona kuva $120.000 zviri nyore. Pasina iyo mari yemwedzi wega wega, paizowedzerwa mari yemwedzi wega wega, mari inogona kushandiswa pakudyara kana kuiswa muakaundi yekuchengetedza. Runyararo rwepfungwa rwekuva nemba pasina muripo, pasina chaungakwereta kune chero munhu, runokosha.
Kungobhadhara zvishoma zvishoma mwedzi wega wega kunobvumira mukwereti kubhadhara chikwereti chekare. Kungobhadhara $100 yakawanda pamwedzi yemukuru wemortgage kunoderedza huwandu hwemwedzi yekubhadhara. A 30 gore (360 mwedzi) mortgage inogona kuderedzwa kusvika makore makumi maviri nemana (24 mwedzi), inova mari yekuchengetedza ye279 makore. Pane nzira dzakati wandei dzekuwana imwe $6 pamwedzi: tora basa renguva-pfupi, kuderedza pakudya kunze, kusiya imwe kapu yekofi zuva rega rega, kana zvimwe chirongwa chakasiyana. Funga nezvemikana; zvinogona kushamisa kuti zviri nyore sei kuwanikwa.
Sei ndichibhadhara mari yakawanda kupfuura mukuru wechikoro pane yangu yembanje?
Chimwe chezvakanakira kutenga imba ndechekuti iwe unokwanisa kuvaka kuenzana mairi uye kushandisa iyo yakaenzana kubhadhara kicheni hombe remodel, kubvisa chikwereti chechikwereti chechikwereti chakakura, kana kubatsira kubhadhara chikoro chevana vako.
Net kukosha mutsauko uripo pakati pezvaunokwereta pamari yako yemba uye kukosha kwazvino kwemba yako. Kana uine chikwereti che $150.000 pachikwereti chako chemba uye imba yako inokosha $200.000, une $50.000 yehutano mumba mako.
Toti unotenga imba ne $200.000. Unogona kubhadhara 10% yemutengo wekutenga imba, iyo ingave $20.000. Mukweretesi wako anozokupa chikwereti chemba chemadhora zviuru zana nemakumi masere.
Chete muongorori wezvivakwa anogona kupa ongororo yepamutemo yeukoshi hwemusika wemba yako. Nekudaro, iwe unogona kufungidzira kukosha kweimba yako nekutarisa kuenzanirana kwekutengesa kwemba munzvimbo yako kana nekutarisa online real estate sales iyo inopa yavo pachavo kukosha kweimba fungidziro.
Kuwana kuti yakawanda sei yaunokwanisa kuisa pasi idanho rakakura mukunzwisisa kuti uchavaka sei kukosha mumba mako. Kufanopihwa mvumo yekutenga imba usati waita chinongedzo kuchakubatsira kuti unzwisise kuti yakawanda sei yemari yako yaungada kushandisa pakubhadhara pasi.
