Ini ndinogona kuwana rendi semudzidzi?
Cosigner munhu anobvuma kubhadhara chikwereti kana munyoreri akatadza. Inogona kuva mumwe wevabereki vako kana kuti mumwe wako. Vanozoda kushandirwa kana kuve nemutengo wepamusoro.
Mari yekupinda inogona kazhinji kubva kudzimba dzekurenda kana bhizinesi rausina kuita basa. Mimwe mienzaniso yemuhoro wekuita madividendi, mari yekurojesa, mari yemendenenzi, alimony, nezvimwe.
Kana uchangobva kurasikirwa nebasa, unogona kuedza kupa mukweretesi nhoroondo yako yebasa uye uchivazivisa kuti uri kutsvaga basa nesimba. Iwe unofanirwawo kuratidza mamwe masosi emari kana dhipoziti yakachengetwa sehumbowo hwekuti unokwanisa kubhadhara.
“…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. "
Mortgage pasina basa
Kune vanhu vanozvishandira kana vemwaka, kana avo vane gaka rebasa, kukumbira chikwereti kunogona kuva chiitiko chinotyisa. Vakweretesi vemortgage vakaita senge nyore kuongorora basa uye makore mashoma eW-2s pavanenge vachifunga nezve chikumbiro chechikwereti chemba, nekuti vanoiona haina njodzi pane mamwe marudzi ebasa.
Asi semukwereti, haudi kupihwa chirango chekusava nebasa kana uine chivimbo mukukwanisa kwako kubhadhara chikwereti cheimba, kana kana uchida kudzorerazve chikwereti chako kuti uderedze mari yechikwereti chemwedzi wega wega. Kubhadhara kwechikwereti chidiki kunogona kunyanya kubatsira kana uchangobva kurasikirwa nebasa uye uchinetseka nezvebhajeti yako yemwedzi.
Kutenga kana kudzosera mari yako yembavha iwe usingashandi hazvigoneke, asi zvinotora kanguva kadiki uye nehunyanzvi kuzadzisa zvakajairwa kudzoreredza zvinodiwa. Nehurombo, vanokweretesa havawanzo gamuchira mari yekurovha sehumbowo hwemari yechikwereti chako. Pane kunze kwevashandi vemwaka kana vashandi vari chikamu chemubatanidzwa. Heano mamwe maitiro aungashandisa kukubatsira kuti uwane kana kudzorera chikwereti chako pasina basa.
Ndingabhadhara here kana ndisingashandi?
Mushure mezvose, chimwe chezvinonyanya kudiwa kuti uwane remba ndeye kukwanisa kuratidza kuti unokwanisa kubhadhara mari yechikwereti chemba. Kana wakarasikirwa nebasa rako uye mari yako chete ndeye Centrelink mabhenefiti, zvingave zvakaoma kuratidza kugona kwako kubhadhara chikwereti.
Muchokwadi, havazi vese vanokweretesa vanoverenga Centrelink mubhadharo sechikamu chemari yaunowana paunenge uchiongorora chikumbiro chako chechikwereti chemba. Vamwe vanongozviona semari yechipiri uye vanotarisira kuti iwe ugamuchire mari kubva kune mamwe masosi zvakare kana iwe ukanyorera imba yemba.
Kana mukweretesi aona kuti imarii yaungakwereta, vanogara vachitarisa kuti watambira marii uye kuti washandisa marii. Kana mukweretesi akatambira mabhenefiti eCenterlink semuhoro, ivo vanozoda kuziva kuti vakakwana kubhadhara imba yemba mwedzi wega wega.
Kana iwe ukagamuchira mari kubva kune mamwe masosi, senge real estate investimendi kana stock dividends, izvi zvinogona kuverengerwa zvakare. Kunyange zvazvo, tichifunga nezvedambudziko rezvemari riripo iye zvino, vangaderedza uwandu hwavanoda kurangarira nokuda kwomuhoro wako.
Ndingawana here mari yembavha ndisina basa asi nemari yasara?
Kana iwe usina basa, kuwana mvumo yechikwereti chako pachako kunogona kuve kwakaoma: iwe uchafanirwa kuratidza kuti unozokwanisa kubhadhara chikwereti neimwe nzira. Nekudaro, usati wazviyedza, nyatsofunga nezve kana chikwereti chiri mhinduro kwayo yemamiriro ako ezvinhu.
Chinyorwa chekunyora: Chikwereti Karma chinogamuchira muripo kubva kune vechitatu vashambadziri, asi izvi hazvikanganise maonero evapepeti vedu. Vashambadziri vedu havatarise, kutendera kana kutsigira zvinyorwa zvedu zvekunyora. Yakarurama kusvika kuruzivo rwedu uye kutenda kwedu painoburitswa.
Isu tinofunga zvakakosha kuti iwe unzwisise maitiro atinoita mari. Chaizvoizvo, zviri nyore. Izvo zvinopihwa zvezvigadzirwa zvemari zvaunoona papuratifomu yedu zvinobva kumakambani anotibhadhara. Mari yatinowana inotibatsira kukupa iwe mukana wemahara kiredhiti zvibodzwa uye mishumo uye inotibatsira kugadzira edu mamwe makuru maturusi ekudzidzisa uye zvekushandisa.
Muripo unogona kukanganisa kuti sei uye kupi zvigadzirwa zvinoonekwa papuratifomu yedu (uye nenzira ipi). Asi nekuti isu tinowanzo kuita mari kana iwe ukawana chinopihwa chaunoda wochitenga, tinoedza kukuratidza zvinopihwa zvatinofunga kuti zvakakunakira iwe. Ndosaka tichipa zvinhu zvakaita semvumo uye fungidziro dzekuchengeta.
