Zvinosungirwa here kuzivisa mamiriro ewanano kana uchisaina chikwereti chemba?

Kunyepa nezve marital status pane mortgage application

Chimwe chezvisungo zvakakura zvatingaite ndezvekugamuchira hukama hwakakomba uye hwenguva refu, kungave nemumwe munhu kana, kana iri nyaya yemari yako, uine imba inotengeswa muSan Francisco, CA, kana muBoulder, CO, uye iyo 30-year-mortgage inoenda nayo. Uye, zvinofadza, pane hukama pakati pemari newanano, kunyanya kana mari iyoyo ine chekuita nekubhadharwa kwechipo cheimba yako. Hukama hwenyu hwehukama hunogona kukonzeresa kugona kwako kuwana mbavha, ungave usina kuroora, uri muhukama hwenguva refu, kana wakaroora.

Hazvirevi kuti hukama hwehukama hunosarudza kana iwe uchigona kuwana chikwereti. Asi chimiro ichocho chinogona kukanganisa mamiriro emari anotorwa nemukweretesi pakuona kuti wobvumidza here chikwereti chako chemba. “Hatitarise vatengi nenzira dzakasiyana; tinodziona sechokwadi,” anodaro Chris Copley, mutungamiriri wezvikwereti paCitizens Bank, Greater Philadelphia Area. “Unogona kuva nemunhu anogara achikwereta, uye zvakanaka. Ukafona uchiti hauna murume hapana chinoitika. Tiri kutarisa chikwereti ichi tichitarisa kuti chii chaicho uye kuti mari yaunowana ndeipi uye zvauri kutsvaga kutenga."

Hazvibvumirwi nemutemo here kureva nhema nezvevakaroorana?

Ko kodzero dzekugara ndedzipi? Sei ndichifanira kunyoresa kodzero dzangu dzekugara? Ndingaziva sei kana mumwe wangu ari muridzi wemba? Ko kana mumwe wangu ari muridzi wemba pamwe chete nemumwe munhu? Ndinganyoresa sei pfuma yangu? Ndinokwanisa here kunyoresa pfuma yangu pamusoro pedzimba dzinopfuura imwechete? Imba yemhuri Uye zvakadini nedzimwe dzimba? Ndingachinjisa kodzero dzangu dzepfuma? Kuendeswa Kwepfuma Yako Yakanyoreswa Kumba Itsva Ndinoda here mvumo yemumwe wangu kuti ndinyorese pfuma yangu? Mudzimai wangu achaziva here kuti ndakanyoresa pfuma yangu? Imba yacho inopera rinhi? Kuwedzerwa kwekodzero dzemidziyo Kubviswa kwekodzero dzemidziyo Ko kana tiine imba yedu tose?

Kana wakaroora, une kodzero yekugara mumba mako, nyangwe riri muzita remurume wako kana remukadzi wako. Iyi inozivikanwa sekodzero yedzimba dzewanano. Mugwaro rino uchawana rumwe ruzivo nezvekodzero yedzimba dzewanano uye manyorerwo ayo.

Mugwaro rino tinotaura nezvevakaroorana newanano, asi mutemo wakafanana kune vasina kuroorana. Kuti uwane rumwe ruzivo nezve kudyidzana kwepamba, ona gwara rekutanga hukama hwepamba. Mugwaro rino, tichanongedzera kumurume wako, mukadzi, kana mudiwa wako wepamba semurume wako.

Muchato Siginicha Zvinodiwa State neNyika 2021

Kunze kwezvishoma zvakakosha, midziyo yese yakatorwa panguva yemuchato inotorwa sepfuma yenharaunda. Midziyo yewanano inowanzosanganisira zvinhu zvakaita sedzimba, mota, fenicha, midziyo, masheya, mabhondi, zvishongo, maakaundi ekubhangi, penjeni, zvirongwa zvekurega basa, uye maakaundi emunhu. Midziyo yewanano kazhinji haisanganisi kukosha kwemadhigirii ehunyanzvi / marezinesi.

Pfuma yese yakawanikwa panguva yewanano imidziyo yemunharaunda, zvisinei nekuti ndiani akaibhadhara. Kunze kwemutemo uyu mukuru ipfuma inogamuchirwa nemumwe wevakaroorana sechipo, nhaka kubva kune wechitatu, kana kusabatanidzwa nechibvumirano chakanaka. Sezvakataurwa pamusoro apa, zvinhu izvi zvinoonekwa sezvisiri zvewanano. Zvinhu zvevakaroorana zvinogona kusanganisira zvivako, maakaundi okubhangi, masheya, fenicha, penjeni uye midziyo yemudyandigere, motokari, uye zvimwe zvinhu zvomunhu.

Unhu husina kuroora kana kuroorwa chinhu chipi nechipi chakawanikwa musati maroorana. Inoramba iri pfuma yebato vaiva nayo vasati varoorana. Pfuma isina kuroora inoramba isiri yewanano chero isina chipo kana kupihwa zita kune mumwe mukadzi.

Ko iyo kambani yezita inoda chirevo chekurambana?

Kunyangwe iwe uchida kuchengetedza mumwe wako kunze kwemumba nekuda kwechimwe chikonzero kana iwe uchida kutenga yako wega imba, pane hunhu mukutsvaga imba semutengi wega. Zvichienderana nemamiriro ako ezvinhu, kuva newawakaroorana naye mumwe chete pachikwereti chingava sarudzo yakanakisisa.

Zita reimba igwaro rinoratidza kuti ndiani muridzi wemba ari pamutemo. Inogonawo kukanganisa chimiro chemortgage. Zvakanakisa kutaura negweta uye mortgage broker kuti unzwisise sarudzo dzekuti ndiani anofanirwa kunyorwa pazita uye remba.

Unogona kufunga kusiya zita remumwe wako pazita kana: - Ukachengeta mari yako yakaparadzana uye uchida kuramba uchidaro - Unoda kuchengetedza zvinhu zvako kubva kune wawakaroorana naye ane chikwereti chakashata - Unoda kutonga kwakazara nezvekutamiswa kwepfuma mu ramangwana (somuenzaniso, kana uine vana kubva kune wawakaroorana naye)

Chibvumirano chekurega chinokutendera iwe kuendesa muridzi wezvivakwa kubva kune mumwe munhu kuenda kune mumwe. Kana ukafunga kusiya zita remurume/mukadzi wako pazita racho, unogona kugara uchishandisa gwaro rekusiya basa kuendesa muridzi wakazara weimba kwavari.