Halifax tenga kurega
Vanhu kazhinji vane sarudzo mbiri kana zvasvika pakusarudza nzvimbo yekugara uye, pekupedzisira, imba yavo. Imwe yacho ndeyekuroja imba yemumwe munhu uye imwe yacho kutenga imba yemumwe munhu. Kunyangwe zvichinzi kuve neimba "chiroto cheAmerica", hazvisi nguva dzose, uye haisi iyo sarudzo yakanaka kune wese munhu. Hapana chisarudzo chakanaka kana chakaipa pakusarudza kuti ndorenda here kana kuti kuva nemba. Sezvo kutenga imba iri mari yakakura kune vanhu vazhinji, zvakakosha kuti vasamhanyire kuita sarudzo yekumhanyisa. Asi, vachada kuita chisarudzo chakanyatsofungwa chichienderana nemamiriro avo ezvinhu.
Pane zvinhu zvakawanda zvinogona kukanganisa sarudzo yemunhu yekuroja maringe nekutenga imba. Chinhu chinonyanya kupesvedzera chinowanzova chemari. Vanhu vanowanzoroja kana vasingakwanisi kubhadhara imba yavo, vane chikwereti chisina kunaka, chikwereti chakawandisa, kana kuti vari mukugadzira chikwereti. Kana munhu achiroja haana basa rekugadzirisa imba kana kugadzirisa gadheni. Zvisinei, kana munhu aine imba, ibasa rake kuichengeta uye kubhadhara gadziridzo dziri madikanwa. Kune vamwe vanhu, mari yekugadzirisa inodzivisa. Vanhu vasina kugara munzvimbo imwechete kana kuti vanoronga kutama mumakore mashoma vangangosarudzawo kuroja pane kutenga imba. Izvi zvichavachengetedza dambudziko rekutengesa imba yavo uye kurasikirwa kunogona kuitika kwemari kubva mukubhadhara imba mbiri pamwedzi panguva imwe chete ivo vachitama.
Vanokweretesa vanogamuchira mari yekurenda
Kutenga imba chikamu chakakosha chekurota kweAmerica. Nekudaro, kusarudza kutenga kana kurenda isarudzo yakakosha inobata hutano hwako hwemari, mararamiro ako, uye zvinangwa zvako pachako. Ndeipi sarudzo yaunosarudza zvinoenderana zvachose nemararamiro ako uye mamiriro emari. Ose ari maviri anoda mari yenguva dzose (kukwanisa kuita mubhadharo uye mari inosanganisirwa) uye ingangoda imwe nhanho yekuedza kuchengetedza.
Asi pane misiyano yakati wandei inoita kuti kurojesa uye varidzi zvive zvakasiyana. Kurenda chivakwa hakutakure mabasa ese ane chekuita nemuridzi wemba uye une zvakawanda zvinoshanduka sezvo usiri kusungirwa kupfuma yako. Kuva nemba ikudyara kwakakura, asi ine mutengo wakakura, pakutanga uye mukufamba kwenguva.
Nyaya huru yerendi ndeyekuti mari inoraswa mwedzi wega wega. Icho hachisi chokwadi. Mushure mezvose, unoda pekugara uye izvo zvinogara zvichidhura mari neimwe nzira. Kunyange chiri chokwadi kuti mari yerendi yepamwedzi haisi kuvaka hupfumi, hazvisi zvese zvinodhura zvemuridzi wemba zvinogara zvichienda pakuvaka hupfumi.
Tenga kana kurenda imba
Kana iwe wakambofunga nezvekudyara muzvivakwa zvekurojesa, ikozvino ingave nguva yakanaka. Mari dzemubereko dzemondgage dzinoramba dzakaderera munhoroondo, uye mari yekurenda inogona kupa dziviriro yakakosha kubva mukusagadzikana kwehupfumi kwazvino. Zvakare, nevezvehupfumi vachifanotaura mafambiro ekuvhara muna 2021, vanhu vazhinji vanogona kunge vachitsvaga kuwanikwa kwerendi.
Asi, nzvimbo yekurojesa inopihwa mari sei? Mhinduro, kune vanhu vazhinji, ndiyo nzira imwechete yekutenga imba inopihwa mari: nechikwereti. Pasinei nokuti unoronga kugara mumba here kana kuti kwete, chikwereti ndiyo nzira yakachengeteka yekubhadhara mari yekutenga rendi, sezvo inovimbiswa neimba.
"Zvikwereti zvemortgage zvese zvine chekuita nenjodzi," anodaro Brooke Dalzell, director wezvekugadzira paMinute Mortgage muScottsdale, Arizona. "Chikwereti cheimba yekudyara chinotakura njodzi yepamusoro pane yekukwereta imba yekutanga, nekuda kwekuti muridzi wemba haagari mumba."
Nekudaro, kune isingasviki 20% yekubhadhara pasi pamba pavo, mukwereti anofanirwa kubhadhara yakavanzika mortgage inishuwarenzi (PMI), iyo inogona kuita pakati pe0,25% ne2% yechikwereti chemari pagore. PMI haivhare zvivakwa zvekudyara, saka vanoisa mari vanofanirwa kuita mubhadharo wakakura.
Rendi inokanganisa here kukumbira imba?
Zvivakwa zvekurojesa zvinogona kuve yakanakisa sosi yemari kumuridzi anoda chinzvimbo, izvo zvakakurudzira huwandu huri kukura hwevanhu muUnited States kuti vatarise zvivakwa zvekudyara seyakanyanya kuwedzera kune yavo yega mari.
Nekudaro, kekutanga vatengi vanowanzoona kuti kutenga nzvimbo yekurojesa kunove kwakaoma kupfuura zvavaifunga. Izvi zvinonyanya kuitika kana zvasvika pakukodzera iyo-yakakosha-yekuwedzera mortgage ... iyo yekurojesa imba yemba.
Kuita mari yekutenga nzvimbo yekurojesa hakuna kufanana nekubhadhara imba yekutanga. Vanokweretesa vanowanzove vakanyarara kana zvasvika pakunyorera pasi zvikwereti zvezvivakwa zvekurojesa, uye vatengi vekutanga vanofanirwa kugadzirira kusangana nezvimwe zvakaomesesa zvinodiwa vasati vatarisira kupihwa mvumo yekubhadhara imba.
Mabhangi nevakweretesi vemortgage vanoita mutsauko wakajeka pakati pemhando dzezvivakwa kana zvasvika pakunyorera zvikwereti. Izvi zvinogona kuvhiringidza kune vanotanga real estate investimendi, vanotora imwe mortgage yakafanana neimwe kana isiriyo.
