Ko mari yekugadziridza inogona kuwedzerwa kune yakajairika mortgage?
Kunyangwe vanhu vazhinji vari kutsvaga kutenga dzimba kuti vagadzirise, mutengo wepamusoro wezvekugadzirisa maturusi, zvekushandisa, uye vashandi zvinoreva kuti vanofanirwa kuwedzera mutengo wekugadziridza kune yavo yemba. Uye dzimwe nguva varidzi vemba vanoda rubatsiro rwekubhadhara kugadziridza kuti imba igare ichigarika kana kuti iite kuti ive yakanaka.
Izwi rekuti "renovation mortgage" rinoreva chikwereti chakachengetwa nereal estate kuti igadziriswe. Huwandu, mubereko, nguva uye mamwe mazwi echikwereti zvinoenderana nerudzi rwechikwereti chekugadzirisa imba yaunowana.
Danho rokutanga nderokusarudza zvaunoda kana zvaunoda kuita. Tevere, iwe unozofanirwa kuwana fungidziro yemutengo wako. Izvi zvinogona kukubatsira kudzikisira yako yekuvandudza mortgage mari yekusarudza uye kuona kuti renovation mortgage chikwereti chingashanda sei kune yako mamiriro.
Dzimwe dzeiyi nzira dzekugadziridza dzimba dzekugadziridza dzinoyevedza nekuti dziri nyore uye dzinokurumidza kumisikidza nekuwana. Nekudaro, kana iwe uri kuronga hombe yekuvandudza chirongwa, imba yekugadziridza imba yechikwereti inogona kupa zvinotevera zvakanakira:
Renovation mortgage kune wekutanga mutengi
Isu tiri yakazvimirira, ad-inotsigirwa kuenzanisa sevhisi. Chinangwa chedu ndechekukubatsira kuita sarudzo dzemari dzakangwara nekupa maturusi ekudyidzana uye macalculator emari, kuburitsa zvepakutanga uye zvisina tsarukano, uye kubvumidza iwe kuti uite tsvagiridzo uye kuenzanisa ruzivo rwemahara, kuti iwe ugone kuita sarudzo dzemari nechivimbo.
Izvo zvinopihwa zvinoonekwa pane ino saiti zvinobva kumakambani anotiripa. Muripo uyu unogona kukanganisa kuti zvigadzirwa zvinoonekwa sei uye kupi pane ino saiti, kusanganisira, semuenzaniso, kurongeka kwazvinogona kuoneka mukati mezvikamu zverondedzero. Asi muripo uyu haukonzeri ruzivo rwatinoburitsa, kana wongororo yaunoona pane ino saiti. Isu hatisanganisire zvakasikwa zvemakambani kana zvipo zvemari zvinogona kuwanikwa kwauri.
Isu tiri yakazvimiririra, inotsigirwa nekushambadzira sevhisi yekuenzanisa. Chinangwa chedu ndechekukubatsira kuita sarudzo dzemari dzine hungwaru nekupa maturusi ekudyidzana uye macalculator emari, kuburitsa zvepakutanga uye zvine chinangwa, uye nekukubvumidza iwe kuita tsvagiridzo uye kuenzanisa ruzivo rwemahara, kuti iwe ugone kuita sarudzo dzemari nechivimbo.
Kuvandudza Mortgage Vakweretesi
Chikwereti cheFHA 203(k) chinorerutsa hurongwa hwekugadzirisa imba nekukubvumidza kukwereta mari yekutenga imba yako nemitengo yekugadziridza uchishandisa chikwereti chimwe chete. FHA 203 (k) zvikwereti zvinotsigirwa nehurumende yemubatanidzwa uye isarudzo huru yechikwereti kune avo vanoda kutenga imba nekugadzirisa, kugadzirisa, kugadzirisa, kana kugadzirisa kune zvavanoda nezvavanoda. Chikwereti chekuvandudza chinokutendera kuti ugare mumusha wako wazvino uye nharaunda, dzidza zvakawanda nezve maitiro aungaita imba yako yemaroto!
Kana uri kuronga kutenga imba yakare kana kuti uchida kuvandudza imba yako yazvino, FHA 203 (k) chikwereti chinogona kunge chiri chikwereti chakakwana chekudzorera iwe. Kubatanidza mari yekuvandudza neimba yako yemba neFHA 203 (k) chikwereti chinokupa chikwereti chekubhadhara chimwe chete kune zvese zvemba uye kugadzirisa.
Kunyange zvazvo mimwe mitemo yakakosha uye zvirambidzo zvichishandiswa, 203(k) zvikwereti zvinogona kushandiswa kutenga nekugadzirisa macondominiums³, maviri-kusvika mana-mayuniti zvivakwa⁴, uye-musanganiswa-kushandisa, pamwe chete nedzimba dzemhuri imwe chete nedzimba muzvikamu zvakarongwa.
Zvinoita here kuwana chikwereti chemba chemari yakakura kudarika yekutenga kuti uite shanduko?
Musika wechikwereti chemondgage unokwikwidza zvakanyanya uye mamiriro anochinja zvakare. Kungoti chikwereti chemumba chine nguva yemakore makumi maviri kusvika makumi matatu hazvireve kuti chinofanira kusungirirwa kumukweretesi mumwe chete panguva iyoyo.
Kuchinja vanokweretesa kazhinji kunopa iri nani mubereko uye maficha, asi iwe unozofanira kubhadhara mutengo wekudzoreredza. Kutaurirana nemukweretesi wako wazvino uye kuwedzera chikwereti chako navo zvinogona kukubvumidza kuti udzivise mitengo iyi.
Mutemo wakanaka wechigunwe wekuti imarii yekushandisa pakugadzirisa kwako kushandisa isingapfuuri 10% yemutengo wepakati wepfuma. Shandisa yedu amortization calculator kuona kuti imarii yaunofanira kukwereta.
Kana wanga uchiwedzera kubhadhara pachikwereti chako chemba, kugoverazve imwe yeiyi mibhadharo yepakutanga kunogona kubatsira mari yekugadziridza kwako. Ehe, iwe unongokwanisa kushandisa imwe yakawedzerwa, saka ita shuwa kuti yakakosha usati waishandisa zvakare.
Kukosha kwemba ndiko musiyano pakati pekukosha kwemba nemari yaunokwereta pachikwereti. Muchidimbu, chikamu cheimba yako ndechako. Vanokweretesa vachakubvumira kushandisa imba yekuenzanisa sechibatiso chedhipoziti kuitira kuti ugone kukwereta mari kuburikidza nechikwereti cheimba.
