Ndirini pandinofanira kutenga imba 2022
Mumakore achangopfuura, mubereko wechikwereti muJapan wakaramba wakaderera, ndosaka vanhu vazhinji vanotenga zvivakwa vachifunga kushandisa chikwereti kuita kudaro. Kunyangwe vatorwa vachigona kutenga zvivakwa muJapan, masangano ezvemari eJapan anozeza kupa zvikwereti kune vekune dzimwe nyika. Kuti uwane chikwereti unofanirwa kusangana nezvakawanda zvinodikanwa, kunyangwe zvingasiyana zvichienderana neiyo institution.
KuPLAZA HOMES tinoda kukuzivisa iwe kumasangano ezvemari anopa zvikwereti zvembavha kune vekunze uye tinokutsigira kubva pachikumbiro chechikwereti kuenda kuchibvumirano chechikwereti zvinoenderana nechikumbiro chako uye chirongwa chemari.
Zvinodiwa zvechikwereti chemba zvinosiyana zvichienderana nesangano rega rega rezvemari. Pazasi pane zvakajairwa zvinodikanwa uye tarisiro yezvikwereti zvemba muJapan. Chikwereti chemba chinowanzo shandiswa paunenge uchitenga (imba iwe nemhuri yako yamucharonga kugara), kugadzirisa, kana kubhadhara imba.
Zvikwereti zvinowanzovhara kusvika 70-80% yemari yekutenga uye inosvika 90% yekukosha kwemba kubva kusangano rezvemari. Huwandu hwechikwereti hunofanirwa kubhadharwa gore rega rega (chikwereti-muyero wemari) chinofanira kunge chiri mukati mehuwandu hwepakati pe25% ne35% yemari yegore.
Chii chingave chakaipa chekutenga imba nemari pane kutenga imba?
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.
Ndotenga imba here?
Chinhu chekutanga chaunofanirwa kuita kuverenga kuti imarii yaungashandisa. Iwe unofanirwa kugadzira bhajeti zvichienderana nemari yako yazvino uye mari yekushandisa, uye wozoverenga kuti yakawanda sei yaunokwanisa kubhadhara kune yemba yemba semari yemwedzi wega wega. Kana iwe uchizotenga nemumwe munhu, unofanirwa kuverenga bhajeti zvichienderana nemari yako yakabatana uye mari.
Kana wangoziva kuti imarii yaungakwereta, zvinobatsira kugadzira bhajeti idzva, kunyanya kuona kuti imarii yauchazorarama nayo mushure mekunge wabhadhara zvese zvitsva zvinoshandiswa mwedzi wega wega. Uku kuronga pachine nguva mberi kunogona kuva kunokosha mukukudzivisa kupinda muchikwereti gare gare.
Mamwe masangano ekuvaka anopa vatengi chitupa chinoti chikwereti chinenge chiripo chero nzvimbo yacho ichigutsa. Unogona kuwana chitupa ichi usati watanga kutsvaga imba. Masangano ekuvaka anoti chitupa ichi chinogona kubatsira mutengesi kugamuchira yako nekupa vimbiso yekuti mari iripo. Ruzivo rwakawanda nezve mortgages uye zvikwereti zvakachengetedzwa.
Ndinofanira kutenga imba pazera ripi
Dzimwe sarudzo, dzakaita sechikwereti cheFHA, iyo HomeReady mortgage, uye yakajairwa 97 chikwereti, inopa yakaderera-yekubhadhara sarudzo inotangira pa3% pasi. Mortgage inishuwarenzi mapremiums anowanzo kuperekedza mbavha ine yakaderera kana isina pasi kubhadhara, asi kwete nguva dzose.
Kana iwe uchida kutenga imba isina mari, kune maviri makuru emari yauchafanirwa kudzivirira: kubhadhara pasi uye yekuvhara mari. Izvi zvinogona kuitika kana iwe uchikodzera kuwana zero yekubhadhara mortgage uye/kana chirongwa chekubatsira kutenga imba.
Pane maviri chete makuru zero pasi ekubhadhara chikwereti zvirongwa: iyo USDA chikwereti uye VA chikwereti. Ose ari maviri anowanikwa kune ese ekutanga-nguva uye anodzokorora vanotenga imba. Asi vane zvinodiwa zvakakosha kuti vakwanise.
Nhau dzakanaka nezve USDA Rural Home Loan ndeyokuti haisi "chikwereti chekumaruwa" chete: inowanikwawo kune vatengi munzvimbo dzepasi peguta. Chinangwa che USDA ndechekubatsira "vane mari shoma-kusvika-yepakati vanotenga dzimba" munzvimbo dzakawanda dzeUnited States, kunze kwemaguta makuru.
Vazhinji veterans, nhengo dzebasa rinoshanda, uye vashandi vebasa vakaburitswa zvine ruremekedzo vanokodzera chirongwa cheVA. Pamusoro pezvo, vanotenga dzimba vakapedza angangoita makore matanhatu muReserve kana National Guard vanokodzera, sezvakaita vakaroora venhengo dzebasa vakaurayiwa mumutsara webasa.
