Ndingabhadhara here kana ndisingashandi?
Nyaya iyi yatekeshera nenyaya dzevanokweretesa zviri kuita kuti vamwe vakweretesi vatadze kuwana zvikwereti zvedzimba. Asi kunyangwe ichi chingave chokwadi, vanokwereta vane mamiriro akasiyana havafanirwe kudziviswa. Vazhinji vanokweretesa vanoshanda nevakwereta vasina kujairika kuti vavabatsire kuwana zvikwereti.
Icho chinonyengera ndechokuti mukwereti anofanira kuratidza nhoroondo yemakore maviri ekushanda panguva imwe chete mumabasa ose. Mukweretesi anokumbira maW2 uye tsigiro kubva kune vese vashandirwi kwemakore maviri apfuura, uye iwe unogona kuwana avhareji yemakore maviri chero mari kubva kumabasa akawanda.
Chiri kutsvagwa nemukweretesi kugona kwemukwereti kubata mabasa akawanda panguva imwe chete. Saka haugone kungobuda wowana basa rechipiri pamwedzi usati wanyorera remba uye kutarisira kuti izvozvo zvikubatsire. Kutaura zvazviri, zvinogona kukukuvadza. Basa rechipiri risina rekodhi sezvo basa idzva richaonekwa senjodzi kune basa guru remunyoreri, iyo ine njodzi kumari yavo yemwedzi nemwedzi.
Nekuda kwekuti iwe hausi kushanda panguva yekukumbira kwako imba, unogona kunge uchikodzera kuhodha. Zvose zvinoratidza kuti achadzokera kubasa kana mwaka wehove watanga uye achakwanisa kuramba achibhadhara mari yemwedzi nemwedzi kunyange mumwaka wakaderera.
Nzira yekutenga imba pasina basa uye nechikwereti chakanaka
Kana iwe parizvino uine chikwereti chakajairika - chinotsigirwa naFannie Mae kana Freddie Mac - uye usingashande, ungangoda humbowo hwebasa idzva nemari yeramangwana usati wagadzirisa chikwereti chako.
Nekudaro, iwe uchiri kufanirwa kusangana neiyo makore maviri enhoroondo mutemo. Kana mushandi wenguva pfupi achigona kunyora kuti akagara achitambira mari dzekurovha kweanenge makore maviri, izvi zvinogona kufungwa nezvazvo paunenge uchinyorera imba yemba.
Nepo mari yekusashanda inogona kuverengerwa mumakore maviri apfuura uye gore-kusvika-zuva, mukweretesi anofanira kuona mari kubva kune razvino basa mumunda mumwe chete. Izvi zvinoreva kuti unofanira kushanda panguva yaunonyorera.
Kuti izvi zvishande, mubhadharo wako wepamwedzi wekuremara — ungave kubva kwauri wega inishuwarenzi yekuremara yenguva refu kana kubva kuSocial Security — inofanirwa kurongwa kuti ienderere mberi kweanenge mamwe makore matatu.
Zvekare, iwe uchafanirwa kuratidza kuti mari yekubhadhara pamwedzi yakarongerwa kuenderera kwemamwe makore matatu. Iwe unogona zvakare kuratidza kuti wanga uchigamuchira mubhadharo nguva nenguva kwemakore maviri apfuura.
basa remumba
Carissa Rawson inyanzvi yezvemari uye yekiredhiti kadhi akaburitswa mumabhuku akawanda anosanganisira Forbes, Business Insider, uye The Points Guy. Carissa akapedza kudzidza kubva kuAmerican Military College uye ane MBA kubva kuNorwich University, MA kubva kuYunivhesiti yeEdinburgh uye parizvino ari kutsvaga MFA paNational University.
Vanokweretesa vari kutsvaga mari yakasimba kana vabvumidza imba yemba, saka unozotarisana nekuomarara kwezvinyorwa zvinodiwa uye miyedzo yekuwana mari mushure mekunyorera. Saka unogona kuwana chikwereti pasina basa here? Mhinduro ndeyekuti hongu, asi uchafanirwa kusangana nemamwe maitiro kuti izvi zvishande.
Kune dzakasiyana siyana dzemortgages dziripo kune yega yega mhando yemutengi. Izvo zvinodikanwa zvinosiyana zvichienderana nechikwereti chauri kutsvaga, asi mari inzira yepasirese yekubvumidzwa. Izvo zvakati, zvichiri kugoneka kuwana rendi kana usingashande; Mabhangi anogona uye anozofunga dzisiri dzechinyakare nzira dzekubhadhara chikwereti chako.
Mortgage isina makore maviri enhoroondo yebasa
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. "
