Kana imba yangu yakabhadharwa, ndingada marii kuti ndirege basa?
Isu tiri yakazvimirira, ad-inotsigirwa kuenzanisa sevhisi. 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.
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.
Ndeapi magwaro andinowana mushure mekubhadhara imba yemba?
Kana iwe uchibhadhara chikwereti uye uchizadzisa zvirevo zvechibvumirano cheimba yemba, mukweretesi haangoregi kodzero kupfuma yako. Pane matanho aunofanira kutevera. Izvi zvinodaidzwa kuti mortgage settlement.
Iyi nzira inosiyana zvichienderana nepurovhinzi yako kana dunhu. Kazhinji, unoshanda negweta, gweta, kana komisheni wemhiko. Mamwe mapurovhinzi nenharaunda zvinokutendera kuti uite basa racho pachako. Ramba uchifunga kuti kunyangwe ukazviita wega, ungangoda kuwana magwaro ako notarized nenyanzvi, segweta kana notary.
Kazhinji, mukweretesi wako anokupa simbiso yekuti wakabhadhara imba yemba yakazara. Vazhinji vanokweretesa havatumire iyi simbiso kunze kwekunge waikumbira. Tarisa kuti uone kana mukweretesi wako aine hurongwa hwekukumbira uku.
Iwe, gweta rako kana gweta rako unofanirwa kupa hofisi yekunyoresa zvivakwa nemagwaro ese anodiwa. Kana magwaro angogamuchirwa, kunyoreswa kwenzvimbo kunobvisa kodzero dzemukweretesi kupfuma yako. Vanovandudza zita renzvimbo yako kuratidza shanduko iyi.
Ndabhadhara chikwereti changu, ndingawana gwaro here?
Mushure mekubhadhara chikwereti, unogona kuwana pfungwa itsva yekudada mumba mako. Imba ndeyako zvechokwadi. Iwe unogona kunge uine imwe mari inowanikwa mwedzi wega wega, uye iwe unenge uri panjodzi yakaderera yekurasikirwa neimba yako kana ukarova nguva dzakaoma.
Iwe unogona kuita zvinopfuura kungobhadhara kwekupedzisira kwekubhadhara imba kuti upedze chimiro chako chitsva chemuridzi wemba. Ziva izvo zvinofanirwa kuitika kana iwe uchibhadhara chikwereti chako kuti uve nechokwadi chekuti haina muripo zvachose.
Usati waita mubhadharo wako wekupedzisira wemortgage, unozofanira kubvunza mushandiri wako wechikwereti kuti uwane fungidziro yekubhadhara. Iwe unogona kazhinji kuita izvi kuburikidza newebhusaiti yemushandi uchinge wakabatana neakaundi yako yechikwereti chemba. Kana zvisina kudaro, unogona kuvafonera. Iva nenhamba yako yechikwereti. Unozoiwana pane yako mortgage statement.
Iyo amortization bhajeti inokuudza chaizvo kuti ingani mukuru uye mubereko waunofanira kubhadhara kuti uve neimba yako isina marekeni. Ichakuudzawo zuva raunofanira kuribhadhara. Kana ikatora nguva yakareba, haisi dambudziko guru. Iwe unongoda imwe mhindu.
Avhareji yezera rekubhadhara imba muCanada
Saka urikutarisira kujoinha vangangoita 40% yevaridzi vemba vekuAmerica vanove varidzi vemba yavo.1 Unogona kuzvifungidzira here? Kana bhangi risina imba yako uye iwe unofamba pamucheka wako, uswa hunonzwa hwakasiyana pasi petsoka dzako: irwo rusununguko.
Zvakanaka, saka unenge watoziva kare kuti dhora rega rega raunowedzera pakubhadhara kwako remba rinoisa dheti yakakura mubhangi rako guru. Uye zvinoreva kuti kana ukawedzera imwe chete yekubhadhara pagore, unozopfupisa nguva yechikwereti chako nemakore akati wandei, tisingarevi kuchengetedza pamubereko.
Ngatitii une makore makumi matatu, $220.000 yembavha ine mubereko we30%. Yedu yemortgage amortization Calculator inogona kukuratidza kuti kuita imwe yekuwedzera imba kubhadhara ($4) kota yega yega inobhadhara yako yemba yemakore gumi nerimwe nekukurumidza uye kuchengetedza inodarika madhora zviuru makumi matanhatu neshanu mubereko.
Vamwe vakweretesi vemortgage vanokutendera kuti unyore biweekly mortgage payments. Izvi zvinoreva kuti iwe unogona kuita hafu yemari yako yekubhadhara imba mavhiki maviri ega ega. Izvi zvinoguma ne 26 hafu yekubhadhara, iyo yakaenzana negumi nematatu ekubhadhara mwedzi wega wega gore rega. Zvichienderana nemuenzaniso wedu uri pamusoro, iyo yekuwedzera kubhadhara inogona kutora makore mana kubva pamakore makumi matatu emumba wako uye kukuchengetedza mari inodarika madhora makumi maviri neshanu mubereko.
