Unogona here kuwana imba yemba ye studio?
Vanhu vazhinji vanorota rimwe zuva vachitenga imba yavo pane imwe nzvimbo yakakura yevhu. Asi sezvo mitengo yezvivakwa uye kudiwa kwedzimba dzemukati-kati zvichikwira, vanhu vakawanda vari kusarudza pokugara, izvo zvinopa mubvunzo wokuti: Zvakaoma here kuwana imba yemba?
Vanokweretesa havawanzo kusarudzira rudzi rwechivako chaunotenga, ingave imba, dhorobha, duplex kana imba. Unogona kuwana chikwereti cheimba yekugara kune chero yeaya marudzi ezvivakwa, pamwe nenzvimbo isina munhu, zvivakwa zvekudyara, uye kuvaka imba (zvikwereti zvekuvaka).
Ichokwadi kuti dzimba dzakavharirwa dzinowanzove dzakakosha kupfuura mayuniti nedzimba nekuti nyika inogara imba inogona kuonga mukukosha nekufamba kwenguva. Asi imba duku itsva munzvimbo yakanaka pedyo neguta inogona kuonekwa seyakakodzera chibvumirano chechikwereti seimba huru mumasabhabhu, chero bedzi vane mutengo wakafanana wekutengesa.
“Mukweretesi anoongorora kana paine chinhu chiri pamusoro pemudziyo chinoita kuti vafunge kuti havangakwanise kudzosera chikwereti chavo nyore kana chikwereti chikasabhadharwa votengesa midziyo,” anodaro.
Mari yakavanzika yekutenga imba muMalaysia
Studios inogona kunetsa kubhadhara, asi ndeimwe yemhando dzinodhura uye dzakakurumbira dzedzimba dzine vekutanga vanotenga dzimba, vadzidzi, uye vechidiki vari kutsvaga pekugara.
Hongu, zvinogoneka, asi zvinoenderana zvakanyanya nemamiriro emumwe nemumwe uye nekiredhiti institution kwavanoenda. Pane zvakawanda zvingasarudzwa, kubva paimba yekubhadhara imba kusvika kune imwe nzvimbo yekudyara imba, uye imwe neimwe ine maitiro akasiyana.
Iko hakuna mukweretesi chaiwo ari nani kuenda kwaari - zvakanyanya zvinoenderana nemamiriro ako ezvinhu, nhoroondo yako yechikwereti uye nemari yako. Semuenzaniso, kana uine kiredhiti chakanakisa asi mari yakaderera, iwe unozoda mukweretesi anopa mari yakawanda yakawanda yekuverenga kuverenga.
Saizvozvo, kana uine chikwereti chakashata asi uchikwanisa kubhadhara zviri nyore, kubhadhara dhipoziti hombe kana kusarudza yenguva pfupi yekukwereta kunogona kuderedza njodzi kune mukweretesi uye kugadzirisa mhindu yavanokupa.
Zvisinei, nzira yacho haisi pachena nguva dzose. Kana uine kondirakiti yakatarwa, iwe uchada kutarisira kupera kwetemu kuti urege kuchinjirwa kune yakakwira mwero wakasiyana, uko mari yako yemubereko pasina mubvunzo inokwira.
Nzira yekutenga imba muMalaysia kune mutorwa
Izwi rekuti "mortgage" rinoreva chikwereti chinoshandiswa kutenga kana kuchengetedza imba, ivhu, kana mamwe marudzi ezvivakwa. Mukwereti anobvuma kubhadhara mukweretesi nekufamba kwenguva, kazhinji munhevedzano yemubhadharo wenguva dzose wakakamurwa kuva mukuru uye mubereko. Iyo midziyo inoshanda sechibatiso kuchengetedza chikwereti.
Mukwereti anofanira kunyorera remba kuburikidza nemukweretesi waanofarira uye ave nechokwadi chekuti anosangana nezvido zvakati wandei, senge kiredhiti kiredhiti kiredhiti uye kubhadhara pasi. Mortgage applications dzinopinda nenzira yakaoma yekunyora pasi isati yasvika padanho rekuvhara. Mhando dzemamortgage anosiyana zvichienderana nezvinodiwa nemukwereti, senge zvikwereti zvemazuva ese uye zvikwereti zvakatarwa.
Vanhu uye mabhizinesi vanoshandisa zvikwereti kutenga zvivakwa pasina kubhadhara mutengo wakakwana wekutenga kumberi. Mukwereti anodzorera chikwereti pamwe nemubereko kwenhamba yemakore akatarwa kutozosvikira ave muridzi wemudziyo wacho pasina mubhadharo uye usina mubairo. Mortgage dzinozivikanwawo sezvisungo zvinopesana nemidziyo kana zvikwereti papfuma. Kana mukwereti akatadza kubhadhara chikwereti, mukweretesi anogona kufanotaura nezveimba yacho.
Mortgage isingasviki 30 square metres
Iwe unogona kuzadzisa Chiroto cheAmerica chemuridzi wemba senge imba yechinyakare-inoroja. Kuva muridzi panzvimbo yekurenda kunogonawo kubatsira pamari yako, sezvo uri kuvaka kuenzana munzvimbo yaunogona kutengesa gare gare pane kukanda mari kumuridzi wemba. Saka kana iwe uchida kutenga imba iwe nemhuri yako, hezvino zvaunofanira kuziva.
Zvichida chinonyanya kukosha pakusarudza kuroja kana kutenga inguva yaunotarisira kugara muimba yako itsva. Kazhinji, kana usingatarisire kugarako kwemakore angangoita mashanu, kurenda kungangove kufambiswa kwakangwara mune zvemari.
Kana ukaronga kugara ikoko kwemakore mashanu kana kupfuura, enzanisa chaunobhadhara rendi nezvaungagona kubhadhara panzvimbo yacho. Kubhadhara kwembandi kunowanzova kushoma pane rendi, tichifunga kuti nzvimbo yauri kuda kutenga yakafanana neyauri kurenda. Izvi zvinodaro nekuti muridzi ari kubhadhara zvakafanana newe wemukuru, mubereko, mutero, mutero weHOA, uye kugadzirisa, pamwe nepurofiti yakati wandei.
