Imba ingatengeswa pasina inishuwarenzi here?
Isu tiri yakazvimirira, ad-inotsigirwa kuenzanisa sevhisi. Chinangwa chedu ndechekukubatsira kuita sarudzo dzemari dzine hungwaru nekupa maturusi ekudyidzana uye macalculator emari, kutsikisa zvekutanga uye zvemukati zvine chinangwa, uye nekukubvumidza kuti utsvage uye uenzanise ruzivo mahara, kuti ugone kuita sarudzo dzemari uine chivimbo.
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.
Zvakadini kana uine chikwereti chemba uye usina inishuwarenzi yepamba?
Kana iwe ukatenga imba kana furati pane yekurenda, nzvimbo yacho inoda inishuwarenzi yekuvaka, asi ungasafanirwa kuitora iwe pachako. Basa racho rinowanzova pamuridzi wemba, anova muridzi wemba. Asi izvi hazvisi nguva dzose, saka zvakakosha kuti ubvunze gweta rako rine basa rekuita inishuwarenzi chivakwa.
Sezvo zuva rekufamba richiswedera, ungangoda kufunga nezve inishuwarenzi yemukati kuchengetedza zvinhu zvako zvakare. Haufanire kurerutsa kukosha kwezvinhu zvako, kubva paterevhizheni kusvika kumushini wokuwachisa.
Kana waizoatsiva, waizoda inishuwarenzi yezviri mukati yakakwana kuti ubhadhare kurasikirwa. Zvinogona kunge zvakachipa kutora inishuwarenzi yemukati neyemukati pamwe chete, asi iwe unogona zvakare kuzviita zvakasiyana. Isu tinopa zvese zvekuvaka uye zvemukati zvekuvhara.
Inishuwarenzi yehupenyu inogona kukupa rugare rwepfungwa uchiziva kuti ivo vachachengetwa kana iwe ukafa. Zvinogona kureva kuti mhuri yako haifanire kubhadhara imba kana njodzi yekutengesa nekufamba.
Huwandu hwekuvharirwa kwehupenyu hwese hwauchazoda hunoenderana nehuwandu hwemari yako yekubhadhara uye rudzi rwemari yaunayo. Unogonawo kufunga nezvezvimwe zvikwereti zvaungava nazvo, uyewo mari inodiwa pakutarisira vanhu vanovimba navo, vakadai semudiwa wako, vana, kana hama dzakwegura.
Humbowo hweinishuwarenzi yepamba yemumba
Inishuwarenzi yekuvaka inobhadhara mari yekuvakazve imba yako kana yaparara kana kuparadzwa. Izvi zvinowanzodiwa kana ukaronga kutenga imba yako nechikwereti uye ungasakwanisa kuwana chikwereti pasina inishuwarenzi yekuvaka.
Inishuwarenzi yekuvaka inobhadhara mari yekugadzirisa kukanganisa kwechimiro chemba. Magaraji, mashedhi nemafenzi zvakavharwawo, sezvakaitawo mutengo wekutsiva zvinhu zvakaita sepombi, tambo nemadhireni.
Inishuwarenzi yekuvaka ichave mamiriro eiyo mortgage uye inofanirwa kunge yakakwana kuti ivhare iyo yasara yembavha. Mukweretesi anofanira kukupa sarudzo yeinishuwarenzi kana kukubvumidza kuti usarudze iwe pachako. Iwe unogona kuramba sarudzo yako yeinishuwarenzi, asi haugone kuvamanikidza kushandisa yako inishuwarenzi mutemo, kunze kwekunge yako yekutenga imba inosanganisira inishuwarenzi.
Kana iwe ukatenga imba, unofanirwa kutora inishuwarenzi yezvivakwa panguva yekusaina chibvumirano. Kana iwe ukatengesa imba, une basa rekuichengeta kusvika kutengeswa kwapera, saka unofanirwa kuchengetedza inshuwarisi yekuvhara kusvika panguva iyoyo.
Kusina inishuwarenzi yepamba
Asati apa makiyi emba uye kupa chikwereti, mukweretesi anofanira kupa humbowo hweinishuwarenzi yemuridzi wemba. Kusvikira imba yabhadharwa zvizere, uyo anokweretesa ane chibvumirano panzvimbo yacho, saka zviri mukuda kwavo kuti vave nechokwadi chokuti nzvimbo yacho ine inshuwarisi apo chikwereti ichibhadharwa.
Kana ukatenga imba yako itsva nemari kana mutsara usina kuchengetedzwa wechikwereti (kadhi rechikwereti kana chikwereti chako), hauzodikanirwi kuratidza humbowo hweinishuwarenzi yepamba usati wavhara. Inishuwarenzi yevaridzi vepamba haidiwi mune chero nyika, asi iwe unofanirwa kufunga nezvekuitenga kuchengetedza kukosha kweimba yako.
Munguva yekubvumidzwa kwemortgage, nyanzvi yako yechikwereti inokuudza nguva yekutenga inishuwarenzi yemba. Nekudaro, iwe unogona kutanga kutenga mutemo kana wangoisa yako kero nyowani. Kutenga inishuwarenzi yemba pamberi kunokupa nguva yakawanda yekusarudza mutemo wakakodzera uye kutsvaga nzira dzekuchengetedza.
Kunyangwe mukweretesi wako angakurudzira mutemo, itsika yakanaka kuenzanisa mitengo, mavhavha uye wongororo yevatengi usati waita sarudzo yekupedzisira. Iwe unogona kazhinji kuchengetedza mari nekubatanidza imba yako uye auto inishuwarenzi neinishuwarenzi imwechete kana kushandura inishuwarenzi yekumba. Dzidza kuti ungawana sei inishuwarenzi yakachipa yemba.
