Kutenga imba sei pasina mari
Nepo kuwana imba yemba semushandi anobhadharwa kungave nyore pane kuzvishandira, haufanirwe kumhanya uchidzokera kucubicle yako kuti uwane chikwereti cheimba. Vamwe vanokweretesa vangave vachinetseka kuti iwe hausi kuzowana mari yakagadzikana yakakwana yekubhadhara mari yako yemwedzi yekubhadhara imba, uye vamwe vangangove vasingadi kubata nemamwe mapepa ayo kupa mari yekuzvishandira inogona kusanganisira.
Vanokweretesa havawanzoona mafreelancers sevakwereti vakanaka. Vashandi vanokwereta vanogona kutariswa zvakanyanya kunge vakakodzera kukweretwa nekuda kwemari yavo isingachinjike uye inotariswa zviri nyore, kunyanya kana vaine kiredhiti yakanaka kwazvo. Vanokwereta vanozvishandira vanozofanira kupa mamwe magwaro ekuratidza mari kupfuura vashandi vechinyakare vanogona kuisa W-2.
Chimwe chipingamupinyi pakuwana mbavha yevanozvishandira ndechekuti vane mari dzebhizimusi. Kunyange hazvo kubvisa mari idzi kunobatsira varidzi vemabhizinesi kuderedza mari yavanotambira, zvinorevawo kuti mitero yavo yemitero inoratidza mari yavanotambira pagore yakaderera, izvo zvinogona kusiya vanokweretesa vachinetsekana kana mukwereti achiita mari inokwana kutenga imba. Pakupedzisira, mabhangi angada kuona chikamu chechikwereti-ku-value (LTV) chikamu kubva kune vanozvishandira vanokwereta, zvichireva kuti mukwereti anofanira kuita mubhadharo wakakura.
Mortgage isina basa asi ine dhipoziti hombe
FHA nhungamiro yechikwereti inotaura kuti nhoroondo yekutanga munzvimbo yazvino haidiwe. Nekudaro, mukweretesi anofanira kunyora makore maviri ekutanga basa, dzidzo, kana basa rechiuto uye kutsanangura chero mapundu.
Munyoreri anofanira kungonyora nhoroondo yebasa yemakore maviri apfuura. Hapana dambudziko kana mukweretesi akachinja basa. Nekudaro, munyoreri anofanira kutsanangura chero mapundu kana shanduko dzakakosha.
Zvekare, kana iyi yekuwedzera mubhadharo ikadzikira nekufamba kwenguva, mukweretesi anogona kuibvisa, achifunga kuti mari yacho haigare mamwe makore matatu. Uye pasina nhoroondo yemakore maviri yekubhadhara nguva yakawandisa, mukweretesi anogona kunge asingakubvumidze kuti uzvitore pane yako yekutenga imba.
Pane zvisizvo. Semuenzaniso, kana uchishandira kambani imwe chete, ita basa rimwe chete, uye uine mari yakafanana kana iri nani, shanduko yemubhadharo wako kubva pamuhoro kuenda kune yakazara kana chidimbu komisheni inogona kusakukuvadza.
Nhasi hazvishamisi kuti vashandi varambe vachishandira kambani imwe chete uye kuva "consultants", ndiko kuti, vanozvishandira asi vanowana mari yakafanana kana yakawanda. Vanyoreri ava vanogona kunge vachitenderedza mutemo wemakore maviri.
Ndingawana here mari yembavha ndisina basa asi nemari yasara?
Kunyange zvazvo zvingave zvakaoma kutenga imba ine mari yakaderera-kupfuura-avhareji, kune nzira dzakasiyana-siyana dzezvikwereti uye mapurogiramu anowanikwa anobatsira kuti hutori hwemusha huve nyore kune vanhu vane mari shoma.
Kunyangwe pasina mari shoma inodiwa kuti utenge imba, zvinogona kunetsa kune avo vane mari yakaderera kana yepakati kuti vabvumidzwe kutora imba uye kutenga imba. Uye zvakatonyanya kuoma zvinogona kuve kuwana remba pasina basa.
Bazi reUnited States of Agriculture (USDA) rinoshandisa chirongwa chechikwereti chinopa zvikwereti kudzimba dzine mari shoma uye dzine mwero kumaruwa. Chirongwa ichi chinodaidzwa kuti Single Family Home Guaranteed Loan Program.
Kuburikidza nechirongwa ichi, USDA inotsigira zvikwereti zvinopihwa nevanokweretesa vari kutora chikamu. Rutsigiro rwehurumende urwu runobvumira vanokweretesa ava kuti vape 100% mari, zvichireva kuti zvikwereti izvi hazvidi kuti uise mari pasi.
Sezvo kuchengetedza kubhadhara mubhadharo kunowanzova chipingamupinyi chikuru kune vanoda kudzoka kumba, kunyanya avo vane mari shoma, USDA zvikwereti zvinogona kubatsira avo vanokodzera imba avo vangadai vasina nzira yavasingakwanisi kutenga.
Yakaderera Income Mortgage Lenders
Sangano reUK's Financial Conduct Authority (FCA) rakatara muganho wakakwana pahuwandu hwemari yembavha yavanokwanisa kupa, inodarika ka4,5 mari inotambirwa nemunhu. (Kana 4,5 nguva yakabatanidzwa mari pane yakasanganiswa application).
Semaonero avo, 'professional qualifications' ipfupi yedanho redzidzo rinopa mikana ine vimbiso yebudiriro yebasa uye mamwe mabasa kana mukwereti akarasikirwa nebasa rake.
Vamwe vanokweretesa vanoshambadzira yavo "professional mortgage" zvinopihwa. Asi kana iwe usina hunyanzvi hwekuita, bhuroka yakanyatso hukama seClifton Private Finance inogona kukuita iwe kuwana mareti akafanana.
Zvichitevera kugadziridzwa kukuru kweindasitiri yemortgage neFCA muna 2014, mabhanga nemasangano ekuvaka akange asisakwanise kutarisa huwandu hwaigona kubhadharwa nemukwereti (kusimbisa muhoro uye mamwe masosi emari).
Kunyangwe ne5% dhipoziti chirongwa, vazhinji kekutanga vatengi vari kunetseka kubhadhara kukosha kweavhareji nzvimbo yeUK nedhipoziti yavo uye mari yavanochengeta, nekuda kwekukwira kusingaenzaniswi kwemitengo yedzimba.
