Ini ndinofanira kubhadhara imba yangu yemba muna 2020?
Uri kufunga nezvekudyara munzvimbo yekurenda kana kushandisa seimba yezororo yevamwe vafambi? Inogona kuva manyuko akavimbika emari. Asi unoziva sei kana wagadzirira kuva muridzi wemba?
Imba yekudyara inzvimbo chaiyo inotengwa kuti iwane mari (kureva, kuwana kudzoka pakudyara) kuburikidza nemari yekurenda kana kuonga. Zvivakwa zvekudyara zvinowanzo tengwa nemuitisi mumwe chete kana nevaviri kana boka revanoisa mari pamwechete.
Zvivakwa zvekudyara zvinoda mwero wakanyanya kugadzikana mune zvemari kupfuura pekugara kwekutanga, kunyanya kana imba yacho yakarongwa kurojeswa kune vanoroja. Vazhinji vanokweretesa vemortgage vanoda vanokwereta kuti vaise inokwana gumi neshanu muzana mubhadharo pazvivakwa zvekudyara, chimwe chinhu chisingawanzo kudiwa kana uchitenga imba yekutanga. Pamusoro pemubhadharo wepamusoro, varidzi vezvivakwa zvekudyara vanorenda kuvaroja vanofanirwawo kuve nedzimba dzavo dzakabvumidzwa nevanoongorora mumatunhu mazhinji.
Iva nechokwadi chokuti une mari yakakwana mubhajheji yako yekuvhara mari yekutanga yekutenga imba (yakadai sekubhadhara pasi, kuongorora, nekuvhara mari), pamwe nekuenderera mberi kwekugadzirisa nekugadzirisa. Semuridzi wemba kana muridzi wemba yekurojesa, unofanirwa kuwana gadziriso yakakosha iitwe nenguva, izvo zvinogona kureva kudhura kwepombi dzemvura uye kugadzirisa kweHVAC. Dzimwe nyika dzinobvumira varidzi kuti vanyime mari yerendi kana ukasagadzirisa zvinhu zvemba yako nenguva.
Isa 100 zviuru kana kubhadhara chikwereti
Kazhinji, unogona kutora chikwereti chemba chekutanga kutenga imba kana imba, kugadzirisa, kuwedzera uye kugadzirisa imba yako yazvino. Mabhangi mazhinji ane mutemo wakasiyana kune avo vari kuenda kunotenga imba yechipiri. Rangarira kubvunza bhangi rako rekutengesa kuti uwane tsananguro chaiyo pazvinhu zviri pamusoro.
Bhangi rako rinoongorora kugona kwako kubhadhara kana uchifunga nezvekukodzera kwechikwereti chemba. Kubhadhara mari kunoenderana nemari yako yaunoraswa/yakawandisa pamwedzi, (zvinobva pazvinhu zvakaita semari yakawandisa/yakawandisa pamwedzi kubvisa mari yemwedzi wega wega) uye zvimwe zvinhu zvakaita semari yemumwe wako, midziyo, zvikwereti, kugadzikana kwemari, nezvimwe. Chinonyanya kunetsa nebhanga ndechekuona kuti iwe unobhadhara chikwereti chacho zvakanaka nenguva uye kuona kushandiswa kwayo kwekupedzisira. Iyo yakakwirira mari inowanikwa pamwedzi, inokwira iyo mari iyo chikwereti chichave chakakodzera. Kazhinji, bhangi rinofungidzira kuti inenge 55-60% yemari yako yepamwedzi inoraswa / yakawedzera inowanikwa kuti ubhadhare chikwereti. Nekudaro, mamwe mabhanga anoverengera mari inoraswa yemubhadharo weEMI zvichienderana nemari yakawandisa yemunhu uye kwete mari yavo inoraswa.
Bhadhara chikwereti
Pane zvinhu zvakati wandei zvaunofanira kufunga nezvazvo paunenge uchifunga kuti inguvai yaunoda kushandisa kubhadhara chikwereti chako. Zvinogona kuita sekuti sarudzo yako inofanira kunge yakanangana nekuwana mubereko wakaderera uye mubhadharo wepamwedzi, asi pane zvimwe zvinhu zvekufunga nezvazvo - semararamiro ako, mari yaunowana uye bhajeti - zvinokanganisa ramangwana rako rezvemari.
Imwe nzira yakakurumbira kune iyo 30-year fixed mortgage ndeye 15-year fixed-rate mortgage. Vanokwereta vane makore gumi nemashanu vanobhadhara zvakanyanya pamwedzi pane avo vane temu yemakore makumi matatu. Mukuchinjana, vanowana mubereko wakaderera, vanobhadhara chikwereti chavo chemba nehafu yenguva, uye vanogona kuchengetedza makumi ezviuru zvemadhora muupenyu hwose hwembavha yavo.
Pamusoro pezvikwereti zvembavha, vanokwereta vanogonawo kufunga nezvemamortgages, ayo anofarirwa nemitengo yakaderera yekutanga, kunyanya kana vasina kuronga kugara mumba kwenguva yakareba.
Kunyange zvazvo chikwereti chemakore gumi neshanu chinogona kuita pfungwa huru pabepa, sarudzo pakati pemashoko maviri inoenderana nemamiriro ako ega. Iwe unozofanirwa kuongorora mari yako pachako uye kudzidza nezve kugona kwako kuenderana nekubhadhara. Ngationei zvakanakira ese ari maviri emortgage mazwi.
Une zera ripi raunofanira kubhadhara rendi?
Mushure mekugara mumba kana kuwana zvishoma zvishoma zvekugadzirisa zvemari, varidzi vemba vazhinji vanotanga kushamisika, "Ndinofanira kuita imwe mari yekubhadhara chikwereti here?" Mushure mezvose, kuita mubhadharo wekuwedzera kunogona kuchengetedza pamitengo yemubereko uye kupfupisa urefu hwechimba chako, zvichikuunza iwe padyo nekuve neimba yako.
Nekudaro, kunyangwe iyo pfungwa yekubhadhara imba yako nekukurumidza uye nekugara mumba mako usina remba inonzwika kuva yakanaka, panogona kunge paine zvikonzero nei kuita imwe kubhadhara kune mukuru wechikoro kungasava nemusoro.
"Dzimwe nguva zvakanaka kuita imwe mari yekubhadhara imba, asi kwete nguva dzose," anodaro Kristi Sullivan weSullivan Financial Planning muDenver, Colorado. “Somuenzaniso, kubhadhara imwe $200 pamwedzi pachikwereti chako kuti udzikise kubva pamakore 30 kusvika kumakore 25 paimba yaungangofungidzira kugara mune mamwe makore mashanu hazvikubatsiri. Iwe unozomisa iyo yekuwedzera kubhadhara pamwedzi uye haufe wakawana bhenefiti yacho ».
Kunyange zvazvo vakawanda vachibvuma kuti kufara kwokurarama usina chikwereti kunosunungura, kunogona kuitwa nenzira dzinopfuura imwe. Saka unoziva sei kana zvine musoro kuti iwe utange kubhadhara imwe principal mwedzi wega wega pachikwereti chako? Izvo zvinoenderana nemamiriro ako emari uye mabatiro aunoita discretionary mari yako.
