Nzira yekutenga imba pasina chikwereti
Iwe unogona kuzadzisa Chiroto cheAmerica chemuridzi wemba senge imba yechinyakare-inoroja. Kuva muridzi panzvimbo yekurenda kunogonawo kubatsira pamari yako, sezvo uri kuvaka kuenzana munzvimbo yaunogona kutengesa gare gare pane kukanda mari kumuridzi wemba. Saka kana iwe uchida kutenga imba iwe nemhuri yako, hezvino zvaunofanira kuziva.
Zvichida chinonyanya kukosha pakusarudza kuroja kana kutenga inguva yaunotarisira kugara muimba yako itsva. Kazhinji, kana usingatarisire kugarako kwemakore angangoita mashanu, kurenda kungangove kufambiswa kwakangwara mune zvemari.
Kana ukaronga kugara ikoko kwemakore mashanu kana kupfuura, enzanisa chaunobhadhara rendi nezvaungagona kubhadhara panzvimbo yacho. Kubhadhara kwembandi kunowanzova kushoma pane rendi, tichifunga kuti nzvimbo yauri kuda kutenga yakafanana neyauri kurenda. Izvi zvinodaro nekuti muridzi ari kubhadhara zvakafanana newe wemukuru, mubereko, mutero, HOA inodiwa, uye kugadzirisa, pamwe nekuwedzera zvishoma kune purofiti.
Ndine imba isina chikwereti chemba
Kutenga imba pasina chikwereti hakusi nyore, asi zvinogoneka. Fungidzira kunzwa kwokusava nechikwereti, uchiziva kuti imba yako ndeyako chose uye hauna kuitenga nemari yawakakwereta kubhangi kana kuti mumwe mukweretesi.
Nzira iri pachena yekutenga imba yako ndeye kuchengetedza mari yakakwana kwenguva yekuita kudaro. Izvi zvingaite sezvakaoma, asi unofanirwa kufunga nezvemararamiro ako azvino uye maitiro aungaite kuderedza mune dzimwe nzvimbo. Pamwe unoenda kuzororo reumbozha pagore, kana kunodya kunze nguva nenguva, kana kuodha yakawanda yekutora. Kana iwe wakazvipira kutenga imba isina chikwereti chemba, hupfumi uhu hunogona kuenda.
Zvinoenderana neongororo yakaitwa neanozivikanwa basa rekupa chikafu Deliveroo, paavhareji Briton inopedza mari inosvika chiuru chemadhora pagore pakudya kunotorwa. Izvi zvakaenzana ne £1.000 pamwedzi. Munzvimbo dzakaita seLondon neEdinburgh, avhareji iyi inokwira kusvika kudarika £80 pamwedzi. Uye maererano neEvolution Money, avhareji yezororo remavhiki maviri kumhuri yevana inodhura mari inosvika £100, uye iyi yese haisanganisire kushandisa chikafu usipo. Nekudzikisira sarudzo dzemararamiro aya, unogona kuona kuti unogona kuchengetedza zviuru zvemapaundi emba mumakore mashoma.
Dzimwe nzira dzekuva nemba
Kusazivisa mukweretesi wako kuti uri kuda kuroja imba kunogona kukanganisa zvemari. Nehunyanzvi, mukweretesi wako anogona kuda kubhadharwa nekukurumidza kwechikwereti chese, chimwe chinhu chisingawanikwe nevaridzi vemba.
Kunyange zvazvo zvikwereti zvemba zvichiwanzodhura kudarika zvibvumirano zvekugara, izvi hazvirevi nguva dzose kuti chikwereti chinodhura pakarepo. Vazhinji vanopa vanozobvumidza imwe yasara yemortgage pasina kuwedzera mubereko.
Mabhangi nevamwe vanokweretesa vanowanzoona zvikwereti zvemba sezvine njodzi kupfuura varidzi vedzimba. Nguva yekuzorora - iyo nguva pasina mari yekurenda pakati pevaroja vanoenda nevatsva vari kuuya - ine mukana mukuru, izvo zvinogona kukanganisa kudzoserwa mari.
Bhizinesi reEngland rakatungamirira nzira mukugadzirisa misika yemuridzi wemba, kuunza mitemo mitsva yekuwana mari kune varidzi veimba muna 2017. Shanduko idzi, pamwe chete nekugadzirisa mutero wechirango, zvakasundira mazana ezviuru zvevaridzi vemba kubva pamusika.
tenga imba isina renji redhit
Paunenge uine imba, unogona kushandisa zvikwereti zvembavha zvakasiyana kuti uwane chikwereti pakukosha kwemba yako. Sarudzo dzakanakisa dzekusimudzira kuenzana kwemba pamutengo wakaderera zvinosanganisira mari-out refinancing, zvikwereti zveimba, uye mitsara yezvikwereti zvemba (HELOCs).
Iwe unogona kazhinji kukwereta kusvika ku80% yekukosha kwemba yako. NeVA cash-out refinancing unogona kukwira kusvika zana muzana yeukoshi hwemba yako, asi veterans chete uye nhengo dzebasa dzinoshanda ndivo vanokodzera kukwereta kuVA.
Varidzi vemba vanogona kukwereta kusvika ku80% yeukoshi hwemba yavo nechikwereti chemba, inozivikanwawo sechipiri chemongi. Nekudaro, mamwe mabhangi madiki uye masangano echikwereti anogona kukubvumidza kuti utore 100% yemari yako.
Zvikwereti zvepamba zvine mubereko wepamusoro zvichienzaniswa nekubhadharazve, asi mitengo yakaderera kana ichienzaniswa nekadhi rechikwereti kana chikwereti chako. Sezvo chiri chikwereti chechikamu chine mubereko wakamisikidzwa, unenge uinewo mari yakatarwa pamwedzi.
Unogona kushandisa mari yako. Asi kana iwe usina mari yakawanda - kana usingadi kubata mari yako yawakachengetera kana imwe mari - mari yekubhadhara mari kana imba yekodzero yechikwereti inogona kukubatsira kutenga imwe nzvimbo.
