Ndingawana here imba yemba pasina kubhadhara?
Cosigner munhu anobvuma kubhadhara chikwereti kana munyoreri akatadza. Inogona kuva mumwe wevabereki vako kana kuti mumwe wako. Vanozoda kushandirwa kana kuve nemutengo wepamusoro.
Mari yekupinda inogona kazhinji kubva kudzimba dzekurenda kana bhizinesi rausina kuita basa. Mimwe mienzaniso yemuhoro wekuita madividendi, mari yekurojesa, mari yemendenenzi, alimony, nezvimwe.
Kana uchangobva kurasikirwa nebasa, unogona kuedza kupa mukweretesi nhoroondo yako yebasa uye uchivazivisa kuti uri kutsvaga basa nesimba. Iwe unofanirwawo kuratidza mamwe masosi emari kana dhipoziti yakachengetwa sehumbowo hwekuti unokwanisa kubhadhara.
“…Akakwanisa kutiwana nekukurumidza uye nekupokana kwechikwereti aine mubereko wakanaka apo vamwe vakatiudza kuti zvaizonyanya kuoma. Kufadzwa zvikuru nebasa ravo uye vangakurudzira zvikuru Nyanzvi dzeMortgage Loan mune ramangwana ”
"... vakaita kuti kunyorera uye kugadzirisa maitiro kuve nyore uye kusanetsekana. Vakapa ruzivo rwakajeka uye vaikurumidza kupindura chero mibvunzo. Vaive vakabuda pachena mune zvese zvaiitwa. "
Kutenga imba sei pasina mari
Mushure mezvose, chimwe chezvinonyanya kudiwa kuti uwane remba ndeye kukwanisa kuratidza kuti unokwanisa kubhadhara mari yechikwereti chemba. Kana wakarasikirwa nebasa rako uye mari yaunowana ingori mabhenefiti eCenterlink, unogona kuona zvakaoma kuratidza kugona kwako kubhadhara chikwereti.
Muchokwadi, havazi vese vanokweretesa vanoverenga Centrelink mubhadharo sechikamu chemari yaunowana paunenge uchiongorora chikumbiro chako chechikwereti chemba. Vamwe vanongozviona semari yechipiri uye vanotarisira kuti iwe ugamuchire mari kubva kune mamwe masosi zvakare kana iwe ukanyorera imba yemba.
Kana mukweretesi aona kuti imarii yaungakwereta, vanogara vachitarisa kuti watambira marii uye kuti washandisa marii. Kana mukweretesi akatambira mabhenefiti eCenterlink semuhoro, ivo vanozoda kuziva kuti vakakwana kubhadhara imba yemba mwedzi wega wega.
Kana iwe ukagamuchira mari kubva kune mamwe masosi, senge real estate investimendi kana stock dividends, izvi zvinogona kuverengerwa zvakare. Kunyange zvazvo, tichifunga nezvedambudziko rezvemari riripo iye zvino, vangaderedza uwandu hwavanoda kurangarira nokuda kwomuhoro wako.
Mortgage isina makore maviri enhoroondo yebasa
Kuchinja kubva pakuroja kuenda pakutenga chinhu chakakosha kune vazhinji vekuAmerica. Tese takadzidziswa kuti muridzi wemba chinhu chakakosha chezviroto zveAmerica. Asi kana muri pakati pemabasa maviri, muridzi wemba hausvikike here? Ngatitarisei zvakadzama pamubvunzo wekuti iwe unogona kutenga imba iwe usingashande. Kana uine mibvunzo nezve ruzivo rwemamiriro ako emari, funga kubvunza chipangamazano wezvemari.
Mhinduro iri nyore kumubvunzo uyu ndeye "kwete" nokuti vose vanokweretesa vanoda kuti iwe uwane mari inovimbiswa. Kuva nemari iri muchimiro cheW-2 yemushandi ndiyo nzira iri nyore yekukodzera kuwana imba yemba. Vazhinji vanokweretesa havafunge kukupa chikwereti kana usingakwanise kupa mari inobatika yerudzi urwu.
Zvisinei, zvinokwanisika kuwana mari yembavha nenzira isina kujairika. Vamwe vanokweretesa vanozofunga imwe mari kana yakakosha zvakakwana kubhadhara mari yemwedzi wega wega pane zvavachakukweretesa. Kazhinji, kana iwe uchikwanisa kuratidza kuti une mari kunze kwebasa rinobhadhara W2, iwe unozofanirwa kuratidza huwandu hunoenderana hwemuhoro pane yapfuura mutero kudzoka.
Ndingawana here imba yemba ndisina basa muUK?
Kune vanhu vanozvishandira kana vemwaka, kana avo vane gaka rebasa, kukumbira chikwereti kunogona kuva chiitiko chinotyisa. Vakweretesi vemortgage vakaita senge nyore kuongorora basa uye makore mashoma eW-2s pavanenge vachifunga nezve chikumbiro chechikwereti chemba, nekuti vanoiona haina njodzi pane mamwe marudzi ebasa.
Asi semukwereti, haudi kupihwa chirango chekusava nebasa kana uine chivimbo mukukwanisa kwako kubhadhara chikwereti cheimba, kana kana uchida kudzorerazve chikwereti chako kuti uderedze mari yechikwereti chemwedzi wega wega. Kubhadhara kwechikwereti chidiki kunogona kunyanya kubatsira kana uchangobva kurasikirwa nebasa uye uchinetseka nezvebhajeti yako yemwedzi.
Kutenga kana kudzosera mari yako yembavha iwe usingashandi hazvigoneke, asi zvinotora kanguva kadiki uye nehunyanzvi kuzadzisa zvakajairwa kudzoreredza zvinodiwa. Nehurombo, vanokweretesa havawanzo gamuchira mari yekurovha sehumbowo hwemari yechikwereti chako. Pane kunze kwevashandi vemwaka kana vashandi vari chikamu chemubatanidzwa. Heano mamwe maitiro aungashandisa kukubatsira kuti uwane kana kudzorera chikwereti chako pasina basa.
