Kutora chikwereti chemondi zvinoreva
Chechipiri zvikwereti zvikwereti zvakachengetedzwa panzvimbo yako neimwe sosi isiri yako mukweretesi. Vanhu vazhinji vanoashandisa seimwe nzira yekuunganidza mari, kazhinji yekuvandudza imba, asi pane zvinhu zvishoma zvaunofanira kuziva usati wanyorera.
Net value ndiyo chikamu chepfuma yako yauinayo zvakananga, ndiko kuti, kukosha kwemba kubvisa chero chikwereti chechikwereti pachiri. Mari inobvumirwa nemukweretesi kukwereta ichasiyana. Nekudaro, inosvika 75% yemutengo wepfuma yako inokupa iwe zano.
Izvi zvinoreva kuti vanokweretesa vanofanira kuitawo macheki ekukwanisa kutengeka uye "stress test" yekukwanisa kwako kubhadhara remba remangwana sezvavaizoita nemunhu anenge akumbira imba yepuraimari kana yemba yemba.
Kukodzera kwemienzaniso iri pamusoro kunotsamira pamamiriro ako ezvinhu. Chero bedzi iwe uripo pakubhadhara imba yako yemba, zvakakosha kuti utarise kuwana mari yepamberi kubva kune wako anokweretesa zvazvino pamatemu ari nani, sezvo ingave iri sarudzo iri nani.
Nekuti chechipiri chibatiso chinoshanda zvakanyanya seyekutanga, imba yako iri munjodzi kana usiri kusvika panguva yekubhadhara kwako. Sezvakaita chero chikwereti chemba, kana ukadzokera kumashure uye ukasabhadhara, imwe mhindu inogona kuwedzera.
Ungawane kupi mari yembavha?
Pamari yako yekutanga, unogona kuisa pasi zvishoma se5%, zvichienderana nechikwereti chako nezvimwe zvinhu. Nekudaro, kune imwe imba yechipiri, ungangozofanira kuisa pasi mubhadharo weinenge 10%. Sezvo chechipiri chemba chinowanzoisa mari yakawanda pamutengi, vanokweretesa vanowanzoda chibodzwa chechikwereti chepamusoro pane chechipiri chemba. Mari yemubereko pachikwereti chechipiri inogonawo kunge yakakwira kudarika muyero wemari yekutanga.
Zvikasadaro, maitirwo ekunyorera kwechipiri chembavha akafanana neaya ekutanga emba yemba. Sezvakaita chero chikwereti, iwe unofanirwa kuita tsvakiridzo yako, taura nevazhinji vanokweretesa, uye sarudza chikwereti chakakunakira.
Kuti utenge imba yechipiri, ungangoda imwe mari yakachengetwa iyo inogona kuvhara mubhadharo wembavha kana ukasangana nekurasikirwa kwemari kwechinguva. Vanhu vane ruzivo rwakakwana vangangoda mwedzi miviri yekuchengetera, nepo vashoma vanyoreri vangangoda mwedzi mitanhatu yekuchengetedza. Mwedzi mumwechete wemari yekuchengetedza inofanira kukwana kubhadhara mari yemwedzi yemwedzi padzimba dzose.
Zviri nani here kukumbira chikwereti chemba kana kubhadhara nemari?
Pfungwa yekurarama yemahara-yemahara inogona kunyanya kufadza kune vanhu vava pedyo nemudyandigere. Panguva ino, zvakajairikawo kuti avo vasina chinhu vafunge kutengesa imba yemhuri huru vachifarira nzvimbo diki kana kuti condominium iri nyore kuchengetedza. Varidzi vedzimba vakagara mumba kwenguva yakareba uye vava nechikwereti chepasi chembavha kana kuti pamwe vasina mbavha zvachose vangada kufunga kuti zvine pundutso here kutenga chivakwa chitsva nemari inowanikwa mukutengesa nemari pane kutora mortgage. Kunyange zvazvo vanokurumidza kuenda pamudyandigere vangazengurira kutora chikwereti mukurega basa, simba rinogona kubhadhara.
Kuwedzera ndipo apo mwero unotarisirwa kudzoserwa pane yako yekudyara portfolio yakakura kudarika mubereko wechikwereti. Kana iwe uchikwanisa kukwereta zvishoma pane zvaungatarisira kuwana nekudyara mari yacho panzvimbo, saka zvine musoro kufunga nezvechikwereti. Hongu, kusarudza kutenga nemari kana kutora mbavha kunosanganisira zvinopfuura kungopararira pakati pezvaunotarisira nemitengo yazvino yemubereko, asi inzvimbo yakakosha yekutangira.
Nehomwe kana isina
Kana iwe uri kufunga nezvemuridzi wemba uye uchinetseka kuti wotanga sei, wauya kunzvimbo chaiyo. Pano tichabata zvese zvekutanga zvemortgages, kusanganisira mhando dzezvikwereti, mortgage jargon, maitiro ekutenga imba, nezvimwe zvakawanda.
Pane zvimwe zviitiko apo zvine musoro kuve nechikwereti chemba pamusha wako kunyangwe uine mari yekuibhadhara. Semuyenzaniso, zvivakwa dzimwe nguva zvinosungirwa kuti zvisunungurwe mari kune mamwe ma investments.
Mortgages "yakachengetedzwa" zvikwereti. Nechikwereti chakachengetedzwa, mukwereti anovimbisa rubatso kune mukweretesi kana akatadza kubhadhara. Kana iri remba, garandi ndiyo imba. Kana iwe ukatadza kubhadhara chikwereti chako, mukweretesi anogona kutora imba yako, nenzira inozivikanwa sekuvhara.
Kana wawana chikwereti chemba, mukweretesi wako anokupa imwe mari yekutenga imba. Unobvuma kubhadhara chikwereti - nemubereko - kwemakore akati wandei. Kodzero dzemukweretesi kumba dzinoenderera mberi kusvika imba yabhadharwa zvizere. Zvikwereti zvakazara zvine hurongwa hwekubhadhara, saka chikwereti chinobhadharwa pakupera kwenguva yacho.
