Ndinogona kutenga imba muAustralia semunhu asiri mugari?
Chinyorwa ichi chinoda mamwe mashoko kuti chionekwe. Ndokumbirawo mubatsire kuvandudza chinyorwa ichi nekuwedzera zvinyorwa kubva kunzvimbo dzakavimbika. Zvinhu zvisina kugadzirwa zvinogona kupikiswa uye kubviswa. Tsvaga Kwazvakabva: "Chikwereti Chemba" - Nhau - Mapepanhau - Mabhuku - Nyanzvi - JSTOR (Kubvumbi 2020) (Dzidza kuti uye rinhi kubvisa chinyorwa ichi patemplate)
Vakwereta vemortgage vanogona kunge vari vanhu vari kuisa imba yavo mudzimba kana vanogona kunge vari makambani anokweretesa zvivakwa zvekutengesa (semuenzaniso, nzvimbo dzebhizinesi ravo, nzvimbo dzekugara dzakarendwa kuvaroja, kana mari yekudyara). Mukweretesi anowanzo inzvimbo yezvemari, senge bhangi, mubatanidzwa wechikwereti kana kambani yekukwereta, zvichienderana nenyika iri kutaurwa, uye zvibvumirano zvechikwereti zvinogona kuitwa zvakananga kana zvisina kunanga kuburikidza nevarevereri. Hunhu hwezvikwereti zvembatya, sehuwandu hwechikwereti, kukura kwechikwereti, mubereko wemari, nzira yekubhadhara chikwereti uye mamwe maitiro, anogona kusiyana zvakanyanya. Kodzero dzemukweretesi kumudziyo wakachengetedzwa dzinoisa pamberi pevamwe vakweretesi vemukwereti, zvinoreva kuti kana mukwereti akabhuroka kana kutadza kuita mari, vamwe vakweretesi vanongowana muripo wezvikwereti zvavanenge vakwereta nekutengesa midziyo. inobhadharwa zvizere kutanga.
unogona kutenga imba pasina basa reddit
Dambudziko guru nderekutsvaga bhangi chairo rinoenderana neprofile yako. Zvigadzirwa zvebhangi uye maitiro ekukodzera anosiyana zvakanyanya uye bhangi rimwe rinogona kunge rakakodzera kune mumwe mutengi uye risinganyatsokodzera mumwe. Bhangi rinogona kuramba chikwereti chemutengi apo rimwe bhangi raizobvumira. Kusaziva kuti nderipi bhangi rakakodzera rinogona kukonzera
Rimwe dambudziko nderekuti mutengi akangogara muSpain (kana kubhadhara mutero muSpain) kwenguva pfupi. Kuti ukwanise kuwana mamiriro ekugara, mabhanga anowanzo kuda humbowo hwepamutemo hwekubhadhara mutero weSpanish, senge chirevo chekutanga chegore negore. Zvinogara zvichikurudzirwa kuti uende kubhengi rako kutanga kana ukaisa mari yako muakaundi yekubhangi yeSpanish.
Musika weSpain wemortgage unoramba wakasimba, kunyangwe panguva yedenda. Mabhangi ari kukweretesa akasununguka uye achipa mazwi emakwikwi kune vese vagari nevasiri vagari. Nekudaro, mabhanga anoramba akangwarira zvikuru pakupa zvikwereti uye nekuona kuti zvese zvinodiwa zvekukwanisa kutarisika zvinoitwa.
Ndiani anogona kutenga nzvimbo muAustralia?
Zvinowanzofungidzirwa kuti vanhu vazhinji vanoziva kukosha kweimba yavo. Zvisinei, vanhu vakawanda vanoramba vakavhiringidzika panyaya iyi. Semuridzi wemba, unofanirwa kunzwisisa kuti kuenzana kwemba kunoshanda sei. Izvi ndezvechokwadi kunyanya kana iwe uchida kudzorerazve chikwereti chemba kana kutora chikwereti kumba kwako.
Chikwereti chinowanikwa kwauri semukwereti kuburikidza nechikwereti cheimba chinoenderana nehuwandu hwemari yaunayo. Ngatiti imba yako inokosha $250.000 uye une chikwereti che $150.000 pachikwereti chako chemba. Ingobvisa imwe mari yembavha kubva pakukosha kwemba kuti uwane $100.000 yekuenzana kwemba.
Vashoma kwazvo vanokweretesa vanokubvumidza iwe kukwereta huwandu hwakazara hwekuenzana kwemba. Vanowanzo kubvumira kukwereta kusvika ku80% kusvika ku90% yehutano hwako huripo, zvichienderana nemukweretesi wako, chikwereti chako, uye mari yako. Saka kana uine $100.000 yemambure akakosha, semumuenzaniso uri pamusoro, unogona kuwana $80.000 kusvika $90.000 kumba equity line yechikwereti (HELOC). Rudzi, mabviro enyika, uye zvimwewo zvisiri zvemari hazvifanire kuita basa mukuona kuti imarii yemumba yaungakwereta.
Mortgage isina mari asi ine assets
Mune hupfumi hwakaderera kana kudzikira chaiko, zviri nani kuti utarise mashandisiro aunoita uye usatora njodzi dzisina kufanira dzinogona kukanganisa zvinangwa zvako zvemari. Kuderera kwehupfumi kunogona kukanganisa mari yako pachako. Kuve wakagadzirira uye kutora matanho mashoma ekudzikisa njodzi kunogona kukubatsira kukurira dutu rehupfumi. Pazasi ndedzimwe njodzi dzemari dzinofanirwa kudzivirirwa nemunhu wese panguva yekuderera kwehupfumi.
Co-kusaina chikwereti kunogona kuve chiitiko chine njodzi kunyangwe munguva yakanaka yehupfumi. Kana mukwereti akasaita mubhadharo unodiwa, cosigner angangofanira kukuitira iwo. Munguva yekuderera kwehupfumi, njodzi dzine chekuita nekusaina chikwereti dzakatokura, sezvo mukwereti neanosaina vanogona kutarisana nemukana wakakura wekurasikirwa nebasa ravo kana kuona mari yavo yebhizinesi ichidzikira.
Izvozvo zvakati, unogona kuzviwana iwe uchida kuvimbisa nhengo yemhuri kana shamwari yepedyo pasinei nezviri kuitika muhupfumi. Muzviitiko izvi, zvinobhadhara kuve neimwe mari yakaiswa parutivi secushion. Kana kuti, pachinzvimbo chekusaina, zvingatove zvakanaka kubatsira nekubhadhara kana kutora chikwereti chako pane kuti ubatanidzwe nechikwereti chakasaina.
