Ndoita sei kuti ndibvise zita rangu kubva kumortgage naex wangu
Zvakakosha kuti unzwisise zvinokonzeresa zvinogona kuitika kana zita riri pazita remba risiri pachikwereti chemba. Kunzwisisa mabasa uye mabasa evose vanobatanidzwa kunogona kubatsira kudzivirira kunetsana uye kuvhiringidzika mune ramangwana.
Kusiya zita remunhu pachikwereti kunovabvisa pamutoro wemari wechikwereti. Nekudaro, zvakakosha kuziva kuti bhangi rinogona kutora mubhadharo kubva kune chero muridzi kana imba yakatarisana nekuvharwa. Kunyangwe zvisingakanganisi chikwereti chako kana iwe usiri mukwereti wemukwereti, bhangi rinogona kutorazve pfuma kana kubhadhara kwechikwereti kukasaitwa. Izvi zvinodaro nekuti bhanga rine chinongedzo pazita remba.
Mune mamwe mazwi, kana iwe uchida kuramba uchigara mumba, iwe uchafanirwa kuenderera mberi uchiita iyo yekubhadhara chikwereti kana munhu akanyorwa mumba asingadaro, kunyangwe iwe usingasungirwe pane remoti reti. Zvikasadaro, bhangi rinogona kutorazve imba. Kana iwe ukave iwe wega munhu ane basa rekubhadhara mune ramangwana, unogona kugadzirisa imba muzita rako.
Kana zita rangu riri pachiito asi risiri pachikwereti, ndinogona here kugadziridza?
Kana iwe uchida kuti zita rako ribviswe muchikwereti, panogona kunge paine shanduko huru muhupenyu hwako. Kungave kurambana, kupatsanurwa kwevakaroorana, kana kungoti chido chokuva nembavha muzita remumwe munhu kuitira kuti mumwe wacho ave nekamwe kakugadzirika mune zvemari, mamiriro ezvinhu akanyatsochinja kana achienzaniswa neapo chibatiso chakabviswa. Chokwadi, kutora imba yemba pamwe chete kwaive nezvimwe zvikomborero zvakajeka, sekushandisa mari yese kana uchitarisa kuti waigona kuwana yakawanda sei uye/kana kushandisa kiredhiti yevanhu vaviri kudzikisa mubereko wako. Panguva iyo zvaive zvine musoro, asi hupenyu hunoitika uye ikozvino, chero chikonzero, wafunga kuti inguva yekubvisa mumwe munhu kubva muchikwereti. Kutaura chokwadi, haisiriyo nzira iri nyore pasi rose, asi heano mamwe matanho uye kufunga kukubatsira kuti usvike ikoko.
Chinhu chekutanga kutaura nemukweretesi wako. Vakakubvumidza kamwe chete uye vanogona kunge vaine ruzivo rwepedyo rwemari yako kusarudza kana vachida kuzviita zvakare. Nekudaro, uri kuvakumbira kuti vape mubhadharo wako wembande kumunhu mumwe panzvimbo pevaviri, vachiwedzera mutoro wavo. Vakawanda vanokwereta havazivi kuti vanhu vose vari pachikwereti ndivo vane mhosva yechikwereti chose. Semuenzaniso, pachikwereti che $ 300.000, hazvina kufanana nevanhu vose vane mhosva ye $ 150.000. Vese vari vaviri ndivo vane basa reiyo $300.000 yese. Kana mumwe wenyu asingakwanisi kubhadhara, mumwe munhu achiri nemhosva yekubhadhara chikwereti chose. Saka kana mukweretesi akangobvisa zita rimwe chete kubva pamari yembanje, mumwe wenyu anenge abva pahuku. Sezvaungave watofungidzira, vanokweretesa havawanzo kufarira kuita izvi.
Kana zita rangu riri pachikwereti ihafu yangu
Pane zvikonzero zvisingaverengeki zvekusaina remba newauri kudanana naye, shamwari, nhengo yemhuri, kana bhizinesi waanoshamwaridzana naye kana muchitenga chivakwa muCalifornia pamwe chete. Pfungwa yekuve muridzi kana kubatsira mumwe munhu kuti akwanise kutenga imba inogona kuita senge zano rakanaka pakutanga, asi inogona kutungamirira kumatambudziko munzira kana ukafunga kudzoka kubva muchikwereti kana kuda kugumisa mubatanidzwa. ukama. Hukama hunogona kudzikira nekufamba kwenguva kana kuti ungave uchinetsekana nemari yemuridzi wako kuti ubhadhare chikwereti chacho. Iwe unogona kuda kuisa mune yako pfuma, asi iwe haugone kuwana chikwereti pane yechipiri pfuma nekuti iwe watova nemhosva yechikwereti pakutanga. Ungangoda kuenzana mumusha wako unokosha wekuCalifornia, asi wako waunokwereta anoramba kuitengesa. Chirevo chako chechikwereti chinogona kuratidza kukanganisa kana kuti chikwereti chako chakaderera pane zvazvingadai zvakaita nekuti wako-wekukwereta haasi kubhadhara chikwereti nenguva.
Zvinonzwisisika kuti wako waunokwereta angada kuti uenderere mberi nechikwereti, asi chii chaunowana? Mushure mezvose, iwe hausi kuwana chero bhenefiti kubva kune ichi chivakwa, asi wako-wekukwereta ari kushandisa yako equity kugamuchira yakaderedzwa remba. Kuva newe pachikwereti kunopa vanokweretesa chengetedzo yekuziva kuti mumwe munhu ane mhosva yehuwandu hwakazara hwechikwereti kana wako-wekukwereta akatadza pachikwereti. Nekuzvibvisa kubva muchikwereti, mutoro wechikwereti chose unowira kune wako-wekukwereta, chimwe chinhu chisingafadzwe nebhangi kana wako waunokwereta.
Zvinoita marii kutora munhu kubva muchikwereti?
Vedu vemortgage broker inyanzvi mumatongerwo evakweretesi vanopfuura makumi mana, kusanganisira mabhanga nemakambani emari ane hunyanzvi. Tinoziva kuti ndevapi vanokweretesa vanotendera imba yako yemba, ingave yekubhadhara kurambana kana kubhadhara pfuma.
Iwe haugone "kutora" kana kubvisa kubva muchikwereti. Nepo kune dzimwe nyika unogona kutora chibatiso chemumwe munhu kana kubvisa mumwe munhu kubva muchibvumirano chemba, muAustralia izvi hazvibvumidzwe.
Isu zvakare tinokwanisa kuwana vane hunyanzvi vanokweretesa vanogona kufunga nezvemamiriro ako ezvinhu, zvisinei kuti mangani ekubhadhara akapotsa! Nekudaro, iwe unofanirwa kuratidza kuti iwe wakakwanisa kubhadhara izvo zvekudzosera kunyangwe iwe usina kuzviita.
“…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. "
