Zviri nani here kuwana chikwereti chemba kana chikwereti?
Kune akati wandei masangano emari anopa zvikwereti kune vanhu vanotenga chivakwa, semuenzaniso, makambani ekukweretesa uye mabhangi. Iwe unozofanirwa kuona kana uchikwanisa kutora chikwereti uye, kana zvakadaro, kuti imarii (kuti uwane rumwe ruzivo nezve mortgages, ona chikamu cheMortgages).
Mamwe makambani ezvimba anopa vatengi chitupa chinoti chikwereti chinenge chiripo chero bedzi nzvimbo yacho ichigutsa. Unogona kuwana chitupa ichi usati watanga kutsvaga imba. Makambani ezvivakwa anoti chitupa ichi chinogona kukubatsira kuti mutengesi agamuchire chipo chako.
Iwe uchafanirwa kubhadhara dhipoziti panguva yekutsinhana kwezvibvumirano, mavhiki mashoma kutenga kusati kwapera uye mari inogamuchirwa kubva kune mukweretesi wemba. Iyo dhipoziti inowanzo 10% yemutengo wekutenga wemba, asi inogona kusiyana.
Kana iwe wawana imba, iwe unofanirwa kuronga yekutarisa kuti uve nechokwadi kuti ndiyo yaunoda uye kuti uwane zano rekuti iwe uchafanirwa kushandisa imwe mari paimba, semuenzaniso kugadzirisa kana kushongedza. Zvakajairika kuti munhu angangotenga ashanyire nzvimbo kaviri kana katatu asati afunga kuita chinopihwa.
Zviri nani kutenga nzvimbo yekudyara nemari kana nechikwereti?
Imwe yesarudzo yakakosha iyo chero munhu angaite muhupenyu hwake kutenga imba. Vamwe vanotenga imba vangashamisika kana chisarudzo chavo chekutenga imba chiri chisarudzo chakanaka kwavari, sezvo munhuwo zvake achichinja pfungwa dzake pamusoro pechisarudzo chake makore mashanu kusvika kumanomwe oga oga. Tichipihwa ruzivo urwu, vanhu vazhinji vanoshamisika kana kutenga imba iriyo yakanakira sarudzo kwavari. Zvisinei, kutenga imba kune zvakawanda zvakanakira. Asi panewo zvazvakaipira, zvinoreva kuti kuroja kungave iri sarudzo yakanakira ivo. Nzira yakanakisa yekuziva kana kutenga kana kurenda ndiyo yakanyanya kunaka mamiriro; munhu wacho anofanira kuongorora mamiriro ake ezvinhu kuti aite chisarudzo chakanaka.
Mutengi ndiye ane mhosva yezvinopfuura muripo wemortgage chete. Kune zvakare mitero, inishuwarenzi, kugadzirisa uye kugadzirisa kunetseka nezvazvo. Iwe zvakare unofanirwa kufunga nezve mubhadharo wenharaunda yevaridzi.
Musika uye mitengo yemba inochinja-chinja. Iko kudzokororwa kana kuderera kwekukosha kweimba kunoenderana nenguva iyo yakatengwa, ingave panguva yebhoom kana dambudziko. Iyo midziyo inogona kusakoshesa pamutengo unotarisirwa nemuridzi, ichikusiya usina purofiti paunoronga kuitengesa.
Tenga-ku-rega modhi muAustria
1. Kutenga kuroja kunogona kunetsa uye kutora nguva2. Mitemo mitsva yezvemari inofanirwa kudzidzwa3. Kugadzirwa kwekambani shoma kunogona kuderedza mutengo4. Kuwana mbavha kunoda dhipoziti hombe5. Vatengi vekutanga-nguva vanogona kunge vasina kukodzera6. Hazvisi zvese zvivakwa zvine pundutso7. Mortgage komisheni inogona kunge yakakwira8. Funga kaviri usati watora penjeni9 yako. kuziva nzvimbo
Kuisa mari mukutenga chivakwa kunogona kutakura njodzi dzakakura uye kwakakodzera chete kune vanhu vane cushion yemari kuti vatarise mari isingatarisirwe. Uyezve, kutonga kwezvivakwa kunogona kutora nguva uye hakufanirwe kutorwa sekudyara kwenguva pfupi.
Kune vamwe vanhu ingori mhando isiriyo yekuisa mari. Zvinogona kutaurwa kuti mari yemasheya iri nyore kubata pane real estate. Isu tinotsanangura kuti ungadyara sei mumusika wemasheya kana usina mari yakawanda.
Kusvika Kubvumbi 2020, varidzi venzvimbo vakazvimiririra vaigona kubvisa muripo wemubereko wemubereko kubva pamari yavo yekurenda pavanenge vachiverenga mutero wavo, unozivikanwa sekubvisa mutero wemubereko.
Nzira yekuisa mari mu real estate nemari shoma
Musika wezvivakwa wakatsvuka kupisa, uye hapana denda kana kukwira kwemitengo yemba kunogona kudzima moto. Zvikumbiro zvemortgage zvekutenga imba zvakakwira zvishoma gore-pamusoro-gore kubva muna Chivabvu, sezvo zvivakwa zviri kuramba zvichidhura munyika yose.
Semuenzanisi nemitengo iyi iri kukwira, mitero yezvikwereti pazvikwereti inoramba ichidonha, uye vhiki ino vakaputsa rekodhi zvakare, maererano naFreddie Mac.Avhareji yemakore makumi matatu ekugadzirisa mari yekubhadhara mari ikozvino inomira pa 30%. Gore rakapera panguva ino yaive 2,72%.
“Kuva nemba ndiyo nzira iyo vanhu vazhinji vekuAmerica vanovaka hupfumi hwavo. Chikamu chemubhadharo wemba wega wega unoitwa nemuridzi wemba unoshandiswa pakubhadhara mari yechikwereti chemba (muripo mukuru), izvo zvinowedzera kuenzana kwemba uye zvinobatsira kuvaka muridzi wemba mambure.
“Muzvinafundo akahwina Mubairo weNobel uye purofesa weYale, Robert Shiller, anoita gakava rinogutsa rekuti zvivakwa, kunyanya dzimba dzekugara, imari yakaderera zvikuru kana ichienzaniswa nemasheya. Shiller anoona kuti, yakagadziridzwa kukwira kwemitengo, mutengo wepakati peimba wakangokwira 0,6% pagore mumakore zana apfuura.