Ungawane kupi mari yembavha?
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.
Tenga imba pasina chikwereti
Haukwanise kusarudza kutenga imba nemari kana kutora rendi? Chengetedzo ndiyo imwe yemabhenefiti makuru ekukwanisa kutenga imba nemari. Iwe unoziva kuti iyo pfuma ndeye 100% yako uye iwe haukundirwe nemari yemwedzi nemwedzi yemortgage. Asi kana zvasvika paimba yekurojesa, zvaunokoshesa zvingangove zvakati siyanei, uye kutenga imba nemari haisiriyo nzira yakanakisa yekuona kudzoka kwepamusoro pakudyara kwako.
Zvisinei nekuti iwe ndiwe muridzi wepfuma kana kubhadhara dhipoziti uye kutora chikwereti chebhangi, kukura kwemari ndekwako (kubvisa chero capital gains tax yakafanira). Saka kana uine chikwereti, unobatsirikana nekukura kwemari yebhanga neyako. Izvi zvinoreva kuti iwe unogona kuita purofiti yakakwira nekugovanisa equity yako pakati pezvivakwa zvakati wandei, pane kuiisa yese mune imwe.
Kunyangwe iwe uchifunga kuti uri kuchengetedza hombe uye kuwedzera mabhenefiti ako epamwedzi ekurenda nekusabhadhara rendi, kana uine zvimwe zvivakwa, zviri pachena kuti uchawana imwe rendi.
Σχόλια
Unogona kunge uine imwe mhando yechikwereti, chingave zvikwereti zvemudzidzi, chikwereti chekadhi rechikwereti, kana chimwewo chinhu. Nekudaro, kana iwe uri munzira yekuve usina chikwereti, ingave nguva yekufunga nezvekudyara mumba.
Chibodzwa chako chechikwereti chine basa rakakosha mukugona kwako kuwana chikwereti chemba. Kazhinji inodzikira paunenge uchitanga basa rako kana kana uchangopedza kudzidza kuyunivhesiti. Sezvo iwe uchibhadhara pasi zvikwereti zvako uye uchizviratidza kuti uri mukwereti akavimbika nekufamba kwenguva, chikwereti chako chinosimuka. Iwe unokodzera kuwana zvikwereti zvakawanda zvine kiredhiti mamakisi anosvika mazana matanhatu nemakumi maviri.
Kusiyana nekutenda kwakakurumbira, haudi mubhadharo we20% kuti utenge imba. Ikozvino zvave kuita kuti utenge imba ine zvishoma se3% mubhadharo wepasi pachikwereti chakajairika kana 3,5% mubhadharo wepasi pachikwereti cheFederal Housing Administration (FHA). Unogona kunge uchikodzera chikwereti cheVeterans Affairs (VA) kana US Department of Agriculture (USDA) pasina kubhadhara.
Muzviitiko zvakawanda, iwe uchaona kuti iwe unobatsirwa kana iwe uchiunza yakakura pasi kubhadhara kune yekuvhara tafura. A 20% yekubhadhara pasi inokubvumira kuti udzivise kubhadhara private mortgage insurance (PMI). PMI inochengetedza mukweretesi wako kana ukatadza kubhadhara chikwereti. Vazhinji vanokweretesa vanoda kuti iwe ubhadhe PMI kana ukasaisa iyo 20% pasi pachikwereti chako. Unogona kuchengetedza zviuru zvemadhora mumitengo yeinishuwarenzi nekufamba kwenguva nekubhadhara kwakasimba. Inogona kunge iri nguva yekuisa mari mubhadharo yakaderera kana uine mari yakachengetedzwa.
Chii chingave chakaipa chekutenga imba nemari pane kutenga imba?
Kuve wakagadzirira kubhadhara mari kunogona kukupa mupendero nevatengesi vanoshuvira kuvhara dhiri, asi zvinogona zvakare kukubatsira nevatengesi mumisika yezvivakwa uko inventory yakaoma uye mabidhi anogona kunge achikwikwidza pfuma.
Nhanho yekutanga yekutenga imba nemari, hongu, kuiwana. Kunze kwekunge uine mari yakawanda kudaro mubhangi, ungangoda kubvisa mamwe mainvestimenti uye woendesa mari yacho kuaccount yako yekubhangi. Ramba uchifunga kuti kutengesa zvibatiso zvawakaita purofiti pazviri kuchaita kuti ubhadhare mutero wekuwana mari.
1. Iwe uri mutengi anoyevedza. Mutengesi anoziva kuti hausi kuronga kunyorera imba yemba anogona kukutora zvakanyanya. Maitiro ekukweretesa anogona kutora nguva, uye panogara paine mukana wekuti munyoreri arambwe, dhiri rinopera, uye mutengesi achafanira kutanga patsva, anodaro Mari Adam, murongi wezvemari akasimbiswa muBoca Raton, Florida.
2. Unogona kuwana dhiri iri nani. Sezvo mari ichikuita iwe mutengi anoyevedza, zvakare inoisa iwe munzvimbo iri nani yekutengeserana. Kunyangwe vatengesi vasina kumbonzwa mutsara wekuti "nguva kukosha kwemari" vanonzwisisa kuti nekukurumidza ivo vanogamuchira mari yavo, nekukurumidza ivo vanogona kuiisa kana kuiisa kune imwe kushandiswa.
