Kuendesa chikwereti chemba kune imwe imba inodhura
PSH Mortgage mubatanidzwa pakati pePark Square Homes neFBC Mortgage, LLC. Ose ari maviri Park Square Dzimba uye FBC Mortgage, LLC mabhizinesi emhuri, anozivikanwa nemhando yezvigadzirwa nemasevhisi avo. Nekubatanidza ruzivo rwavo, ruzivo uye kudiwa kwehunyanzvi, vanokwanisa kupa chiitiko chiri nani kune vatengi vavo - timu imwe, mhuri imwe.
Park Square Home Mortgage inoshanda zvakananga nePark Square Dzimba kuti ipe nekukurumidza uye yakavimbika mabasa embavha. PSH Mortgage inopa huwandu hwakasiyana hwemakwikwi emortgage zvigadzirwa zvine hunyanzvi munzvimbo dzese dzekugara remba yekukweretesa.
Isu tiri timu yevane ruzivo vemortgage nyanzvi vakazvipira kupa vatengi vedu basa rakanakisa muindastiri. PSH Mortgage ine ruzivo rwehutungamiriri timu uye inotungamira tekinoroji ichakubatsira iwe kufamba nenzira yekukwereta.
Chinja mari yemortgage kune imwe nzvimbo
- muyero wepagore unobhadharwa pachikwereti (kana chakaitwa nekudyara), unoratidzwa senhamba imwe muzana inomiririra mutengo chaiwo wepagore wemari panguva yechikwereti. Izvi zvinosanganisira chero muripo kana imwe mari yekuwedzera ine chekuita nekutengeserana.
-Iyo amortization yechikwereti ihurongwa hwekuti inoitirwa sei kubhadhara chikwereti. Semuenzaniso, yakajairwa amortization chirongwa chechikwereti chemakore gumi nemashanu chinosanganisira mari yakakweretwa, mubereko wakabhadharwa, uye nguva. Mhedzisiro ichava kuparara kwemwedzi kwemhindu yakabhadharwa uye mari yakakweretwa.
-Idzi ndidzo mari dzinofanirwa kubhadharwa nemutengi panguva yekutora imba. Kune akawanda ekuvhara mari kubva kumari yegweta, muripo wekufambisa, uye zvimwe zvinodhura zvine chekuita nekuvhara imba yemba.
- Vanokweretesa vanotarisa nhevedzano yeratidzo uye data rezvemari kuti vaone kana vanokwereta vachikwanisa kubhadhara chikwereti. Imwe yeaya mareshiyo ndeyechikwereti-kune-mari inowanikwa. Mukuverenga uku, mukweretesi anofananidza mubhadharo wepamwedzi, kusanganisira iyo Mortgage nyowani, uye anozvienzanisa nemari inowanikwa pamwedzi. Huwandu hwemari inopatsanurwa nemutengo wemari, uye mhedzisiro inoratidzwa sechikamu. Iyo yakakwira chikamu, iyo riskier chikwereti ndeyemukweretesi.
Zvinotora nguva yakareba sei kuendesa imba yemba?
Unogona here kuwana chikwereti chekutenga imba mupaki? Nyamavhuvhu 04, 2021 Kuve neimba yakanaka mupaki munzvimbo yaunofarira ihope dzinogoverwa nevanhu vazhinji. Iko mari huru, hongu, saka vanhu vazhinji vanofanirwa kutora chikwereti vasati vatenga, uye vanowanzofunga kuti zvinoreva kutora chikwereti.
Paunotenga motorhome, zvese zvaunazvo chimiro chemuviri. Nzvimbo yacho inorendwa kubva kumuridzi wepaki yezororo kwenguva yakati. Kusave nevhu sechibatiso, hazviite kuti unyorere rendi.
Nhau dzakanaka ndedzekuti zviuru zvevanhu gore rega rega vanotenga imba yepaki pasina kudiwa kwechikwereti. Dzimwe nzira dzekupa mari dzinosanganisira zvikwereti, uye kune vakawanda vanopa mari mune iyi ndima. Ndivo vanhu vakanakisa kuenda kwavari, nekuda kwekuti vanonzwisisa kuti kutenga imba yekutandara kunoshanda sei.
Zvingangodaro, unogona kukumbira chikwereti chinosvika 80% yemutengo wekutenga wakazara, uine nguva inosvika makore gumi nemashanu. Sezvo mutemo wakazara, iyo yakareba iyo yekurenda paimba yezororo, zvichava nyore kuwana chikwereti, saka chengeta izvo mupfungwa paunotarisa kune zvingangoita nzvimbo.
Ndinogona kuendesa imba yangu kune imwe nzvimbo?
Lindsay VanSomeren inyanzvi yekadhi rechikwereti, yekubhengi, uye kiredhiti ine zvinyorwa zvinopa vaverengi tsvakiridzo yakadzama uye zano rinoshanda rinogona kubatsira vatengi kuita sarudzo dzakangwara pamusoro pezvigadzirwa zvemari. Basa rake rakaratidzwa panzvimbo dzine mukurumbira dzemari dzakadai seForbes Advisor uye Northwestern Mutual.
Doretha Clemons, Ph.D., MBA, PMP, anga ari mukuru weIT uye mudzidzisi kwemakore makumi matatu nemana. Iye adjunct purofesa kuConnecticut State Colleges nemaYunivhesiti, Maryville University, uye Indiana Wesleyan University. Iye anodyara zvivakwa uye director weBruised Reed Housing Real Estate Trust, uye ane rezinesi rekuvandudza imba kubva kuHurumende yeConnecticut.
Saka wazviitira mari shoma. Makorokoto. Zvino iwe unogona kunge uchinetseka kuti ndeipi yakanyanya kushandiswa yaunogona kupa. Kana iwe uri kutoita zvakanaka pazvinangwa zvako zvekukurumidza zvemari, sekuchengetedza njodzi, mubhadharo wemari yembavha inogona kunge iri zano rakanaka.
Kubhadhara chitsama nguva dzose kunokuchengetedza mari pamubereko. Uye, zvichienderana nekuti unoifambisa sei, mubhadharo uchapfupisa nguva yaunotora kubhadhara chikwereti chako chemba kana kuderedza huwandu hwekubhadhara kwako pamwedzi.
