Amortization yemitengo yakakwira yechikwereti
Zviri kuedza kufuratira mari isingatarisirwi. Asi kuva nemari yakaiswa parutivi semutsamiro wezvinhu zvingada kugadziriswa paunowana imba itsva, semhepo inofefetera, kudziyisa, uye pombi dzemvura, ipfungwa yakanaka.
Kana dhipoziti yako iri pasi pe20%, uchafanirwa kubhadhara mukweretesi mortgage inishuwarenzi (LMI) premium. Imari yenguva imwe chete inowedzerwa kumari yechikwereti, saka haufanirwe kubhadhara chero chinhu pamberi. Zvakakosha kuti utaure nesu pamusoro pehuwandu hwemutengo uyu: kana ukatenga imba ye $600.000 ine 5% deposit, inogona kudarika $20.000, zvichienderana nenyika yaunogara.
Kana uri kuchengetedza imba, zvinogona kuva zvakaoma kuziva nguva chaiyo yekumira. Iwe uchave riini chaizvo mari yakakwana yekuenda kunovhima imba uye kuisa pasi dhipoziti? Mushure mezvose, chikwereti chemondgage kuzvipira kukuru kwehupenyu. Kazhinji, hautarisirwi kuibhadhara mukati memakore asingasviki 25-30. Iwe hausi kuda kumhanyira.
Zvichipa zvese izvi, pfungwa iri pachena inoratidza kuti iwe unofanirwa kuchengetedza mari yakawanda sezvinobvira kwenguva yakareba sezvinobvira usati waenda kunovhima imba. Asi, isu tiri vapenyu kwechinguvana. Hatigoni kugara uye kuunganidza mari zvachose. Saka zvakare. Unomira rinhi? Imarii inodiwa kubhadhara dhipoziti paimba? Pane mhinduro chaiyo kumubvunzo iwoyo here?
Rental Guide Ato 2021
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.
Iko hakuna mari yekuroja, asi kune mari
Paunenge uchizadzisa chikumbiro chako chepenjeni yevakuru, tinokukumbira kuti utipe ruzivo uye mamwe magwaro anotsigira. Tinoda magwaro anotsigira kuti tisimbise ruzivo rwaunopa muchikumbiro chako. Pasina ivo hatigone kuongorora chikumbiro chako. Isu tinogona zvakare kukubvunza iwe kuti uwane rumwe ruzivo mushure mekunge waendesa chikumbiro chako.
Ungangoda kutipa zvitupa zvako kuitira kuti tigoona chitupa chako. Kana tikakubvunza, unofanirwa kuunza zvitupa zvako usati waendesa chikumbiro chako. Pasina ivo hatigone kutanga kuongorora chikumbiro chako. Kuita kuti vagadzirire kuchakubatsira kuti upedze kuda kwako uye usanonoke kuita. Kana usina chokwadi nemagwaro aunoda kuendesa, tifonere paSenior Helpline.
Mushure mekutumira chikumbiro chako chepenjeni yevakuru, tichaongorora mamiriro ako ezvinhu. Kana tichida mamwe mashoko, tichakumbira. Isu tichatumira tsamba kubhokisi rako retsamba reMyGov, kana uinayo. Kana usina imwe, tinokutumira iyi application netsamba.
Kazhinji, iwe unofanirwa kupa magwaro atinokumbira mukati memazuva gumi nemana. Kana ukasadaro, tinogona kuramba chikumbiro chako. Tifonere paSenior Australian Helpline kana uri kunetseka kutipa ruzivo rwatinokumbira.
Kubviswa kwemutero kune real estate investment muAustralia
Matemu netsanangudzo dzinotevera dzakagadzirirwa kupa chirevo chakareruka uye chisina kurongeka kumazwi nemitsara iwe yaunogona kuona pawebhusaiti yedu uye inogona kunge isina kujaira kwauri. Chirevo chaicho chetemu kana mutsara zvinoenderana nekuti chinoshandiswa kupi uye sei, semagwaro akakodzera, kusanganisira zvibvumirano zvakasainwa, zvirevo zvevatengi, zvinyorwa zvemukati zveChirongwa chemitemo, uye mashandisirwo eindasitiri, zvichadzora zvinoreva. Matemu uye tsananguro dzinotevera hadzina chinosungirwa kuita chinangwa chekondirakiti chero ipi zvayo kana zvimwe zvekutengeserana nesu. Mumiriri wako weCampus Housing Programs kana vashandi veLoan Programs Office vachafara kupindura chero mibvunzo yaungave unayo.
Rondedzero Yekunyorera: Rondedzero yakanyorwa yezvinyorwa izvo mukwereti uye kambasi inoda kupa kuHofisi Yezvirongwa zveChikwereti kuti isati yatenderwa kana mvumo yechikwereti. Iyo inozivikanwa zvakare seOLP-09 fomu.
Automated Clearing House (ACH): Iyo yemagetsi mari yekufambisa network inobvumira kutamiswa kwemari zvakananga pakati pekutora chikamu maakaundi ekubhangi nevakweretesi. Iyi ficha inowanikwa chete kune vanokwereta avo vasiri pari zvino mubhadharo wekubhadhara.
