Ndingaratidza sei kuti ndakabhadhara imba yangu yemba?
Vazhinji vedu tinotora mari yemba kana tikatenga imba tozvipira kubhadhara kusvika makore makumi matatu. Asi fungidziro dzehurumende dzinoratidza kuti vanhu vekuAmerica vanofamba avhareji yeka30 muhupenyu hwavo, saka vanhu vazhinji vanotanga kubhadhara makumi emakore ezvikwereti kanopfuura kamwe.
Uine izvi mupfungwa, zvingave zvine hungwaru kutsvaga nzira dzekubhadhara chikwereti chako nekukurumidza, kuti iwe ugone kuvaka equity nekukurumidza kana kuchengetedza mari pamubereko. Mukufamba kwenguva, chinangwa chinofanira kunge chiri chekuva neimba yako. Mushure mezvose, zviri nyore kuenda pamudyandigere kana kuderedza maawa ebasa gare gare kana uchikwanisa kuita pasina muripo wemwedzi wemuhomwe.
Saka kana iwe uchinetseka kuti ungadzikisa sei mari yako yekubhadhara imba kana kubhadhara imba yako nekukurumidza, heano akati wandei akaedza-uye-echokwadi mazano anogona kubatsira. Ingo rangarira kuti zano rakakodzera kwauri rinoenderana nekuti yakawanda sei "yakawedzera" mari yawakatenderedza, uye kuti yakawanda sei yekutanga yaunofanirwa kutora yemahara.
Fungidzira kuti unotenga $360.000 nzvimbo ine $60.000 pasi uye mubereko pamakore makumi matatu echikwereti chako chemba i30%. Kungotarisa nekukurumidza pamari yemortgage inoratidza kuti mukuru uye mubereko wekubhadhara pachikwereti chako unouya kumadhora zana nemakumi maviri nemakumi matanhatu nenomwe pamwedzi.
Zvinotora nguva yakareba sei kuti uwane zita reimba mushure mekubhadhara chikwereti
Kana iwe ukakwanisa kubhadhara chikwereti chako pamberi pechirongwa, iwe unozochengetedza imwe mari pamubereko pachikwereti chako. Muchokwadi, kubvisa chikwereti chako chemba kwegore kana maviri kutanga kunogona kukuchengetedza mazana kana kunyange zviuru zvemadhora. Asi kana uri kufunga kutora nzira iyoyo, unofanira kufunga kuti pane muripo wekubhadhara kare here, pakati pezvimwe zvingangoitika. Heano zvikanganiso zvishanu zvekudzivisa kana uchibhadhara chikwereti chako kare. Chipangamazano wezvemari anogona kukubatsira kuona zvaunoda zvembanje uye zvinangwa.
Varidzi vedzimba vazhinji vangada kuve nedzimba dzavo uye havafanirwe kunetsekana nemwedzi wemwedzi wekubhadhara imba. Saka kune vamwe vanhu zvingave zvakakodzera kuongorora pfungwa yekubhadhara chikwereti chako chemba kare. Izvi zvinokutendera kuti udzikise huwandu hwemubereko wauchabhadhara mukati menguva yechikwereti, zvichikupawo mukana wekuve muridzi akazara wemba nekukurumidza pane zvanga zvichitarisirwa.
Pane nzira dzakawanda dzakasiyana dzekubhadhara kare. Nzira iri nyore ndeyekuita imwe mari yekuwedzera kunze kwemari yako yakajairika pamwedzi. Chero bedzi nzira iyi isingaite kuti uwedzere mari kubva kumukweretesi wako, unogona kutumira cheki gumi nenhatu gore rega rega pane gumi nembiri (kana iyo yepamhepo yakaenzana neiyi). Iwe unogonawo kuwedzera kubhadhara kwako pamwedzi. Kana iwe uchibhadhara yakawanda mwedzi wega wega, iwe unozobhadhara chikwereti chose pamberi pezvaitarisirwa.
Chii chinobhadharwa mushure mekubhadhara chikwereti?
Funga nezvechikwereti chakanaka neiyi nzira: Kubhadhara kwega kwega kwaunoita kunowedzera muridzi weiyo asset, apa imba yako, zvimwe zvishoma. Asi chikwereti chakaipa, sekubhadhara kadhi rechikwereti? Chikwereti ichocho ndechezvinhu zvawakatobhadhara uye pamwe uri kushandisa. Iwe hauchazo "vane" peya ye jeans, semuenzaniso.
Pane mumwe musiyano mukuru pakati pekutenga imba nekutenga zvinhu zvakawanda nemasevhisi. Kazhinji, vanhu vanogona kubhadhara mari yezvinhu zvakaita sembatya kana zvemagetsi. “Ruzhinji rwevanhu vaisakwanisa kutenga imba nemari,” anodaro Poorman. Izvi zvinoita kuti mari yembavha ive yakakosha kutenga imba.
Iwe uri kuvaka mari yekurega basa. Nemitengo yemubereko yakaderera, "kana ukaisa mari yaungadai wakashandisa kubhadhara chikwereti muakaundi yekurega basa, kudzoka kwenguva refu kunogona kudarika mari yakachengetwa kubva pakubhadhara chikwereti," anodaro Poorman.
Zano: Kana uine rombo rakanaka rekukwanisa kubhadhara chikwereti chako nekukurumidza uye pfungwa inoenderana nemari yako, funga kutamira kune chirongwa chekubhadhara kaviri vhiki, kupeta iyo yose yaunobhadhara, kana kuita imwe mubhadharo pagore.
Chii chinoitika kana iwe ukabhadhara chikwereti chako?
Mortgage chikwereti chenguva refu chakagadzirirwa kukubatsira kutenga imba. Pamusoro pekubhadhara capital, iwe unofanirwa kubhadhara mubereko kune mukweretesi. Imba nenyika yakaipoteredza zvichava rubatso; Asi kana iwe uchida kuve nemba, iwe unofanirwa kuziva zvinopfuura izvi zvinowanzoitika. Iyi pfungwa inoshandawo kune bhizinesi, kunyanya kana zvasvika kune yakatarwa mitengo uye yekuvhara mapoinzi.
Anenge munhu wose anotenga imba ane chikwereti chemba. Mari dzembavha dzinowanzotaurwa panhau dzemanheru, uye fungidziro pamusoro pemafambiro emitengo ichafamba yave chikamu chenguva dzose chetsika yezvemari.
Imba yemazuva ano yakabuda muna 1934, apo hurumende - kubatsira nyika kuburikidza neKuderera Kukuru - yakagadzira chirongwa chekukweretesa icho chakaderedza kubhadhara kwaidiwa paimba nekuwedzera mari yaigona kukwereta varidzi vemba. Izvi zvisati zvaitika, 50% yekubhadhara pasi yaidiwa.
Muna 2022, mubhadharo we20% wepasi unodiwa, kunyanya sezvo kana mubhadharo uri pasi pe20%, unofanirwa kutora yakavanzika mortgage inishuwarenzi (PMI), inoita kuti mubhadharo wako wepamwedzi ukwire. Zvisinei, chinodiwa hachisati chiri hacho chinowanwa. Kune zvirongwa zvemortgage izvo zvinobvumira kudzika kwakadzika kubhadhara, asi kana iwe uchigona kuwana iyo 20%, unofanirwa.
