Heano mibvunzo mishanu yekuzvibvunza usati watenga imba yako.
Uchave Uchareba Rini Munharaunda Iyo?
Uyu mubvunzo uchasiyana uye mhinduro inogona kuchinja kamwe-kamwe nekuda kwemamiriro ehupenyu hwako. Zvakanaka, iwe unofanira kugara muimba yako yekutanga kwemakore matatu kusvika mashanu usati waenda zvakare. Iwe unofanirwa kugara nguva yakareba kuitira kuti usiye kunyange pane chikwereti. Kana iwe uchiziva kuti iwe uchange uchitamira kune imwe nzvimbo kana kuti uchida kuenda kune huwandu mugore, zvingava zvakanaka kumirira kutenga imba ipapo. Izvi zvinokubvumira kuti uchengetedze chikwereti chakakura uye iwe ungaita kuti zvive nyore kwauri kuti uwane imba yaunoda.
Iwe Unogona Kubhadhara Mari Yakawanda Sei?
Mari yako yose yekubhadhara mari yako haifaniri kunge inopfuura 25% yemari yako yakawanda. Iwe unogona kutambanudza izvi kusvika ku 28% kana usina imwe chikwereti zvachose. Kana uri kutora zvikwereti zviviri (80/20 kana 80/15) zvino unoda kubatanidza zvikwereti izvi kuti uone kana iwe unosangana nemirairo.
Mari yako yose yegore roga roga (kusanganisira iyo chikwereti) haifaniri kudarika anenge 33% yemari yako yakawanda. Kana iwe ukasvika kune izvo zvaunokwanisa kubhadhara, unoisa pangozi yekugona kurasikirwa neimba yako, saka iva nechokwadi pakutenga imba yako. Kana iwe usingakwanisi kutenga imba yaunoda , unogona kufunga kubhadhara kwenguva refu kana kutsvaga chimwe chinhu chinodhura.
Uri Kubhadhara Mari Inotora Mari?
Kana iwe uri kubhadhara mari neArm (adjustable rate mortgage) iwe haufaniri kunge uri kutenga imba . Nharaunda yako yekuda kufara ichakwira uye kuwedzera mari yako, uye iwe unogona kuwana zvakaoma kuita zvikwereti. Kuenzanisa kwako hakukwanise kukura nekukurumidza kukubvumira kuti iwe uchinatsire mberi kwekuda kwako kuchinjwa kukanganisa. Kana iwe uri kubhadhara mari ine 80/20 unofanira kushanda kuti ubhadhara 20 nokukurumidza sezvaunogona. Iwe unogona kukodzera chikwereti cheFHA kana iyi ndiyo imba yako yekutanga. Iwe unofanirwawo kufunga nezvehurefu hwechikwereti. Iwe unogona kusarudza 10, 15, 20, kana makore makumi matatu. Iyo yakareba izwi raunosarudza, pasi pekubhadhara kwako pamwedzi, asi paunowedzera kubhadhara uchifarira hupenyu hwechikwereti.
Ko Kudarika Kwenyika Yepasi? Ndezvipi Zvido Zvebasa Zvingaitwa?
Usati watenga iwe unofanirwa kuve nechokwadi chokuti imba inopfuura zvose zvinoongorora. Zvakakosha mari kubhadhara kuongororwa. Izvi zvinogona kukubatsira kuti urege kudzikanganisa zvakakosha. Kana uri kuronga kugadziridza, unofanira kuwedzera izvi mubhajheji yako, zvakare. Iyi danho ichakuchengetedza kuti urege kupinda mune zvinoshamisa kana iwe uchitenga imba. Kana uri kutenga imba iwe uri kuronga kuita zvigadziriswa, iwe uchiri kuda kutarisa musha wakanaka .
Wakagadzirira Here Mutoro?
Kana uchinge uri muridzi weimba iwe unofunga kana chando ichibuda kana kana firiji yako ichifa. Iwe unofanirwa kuva nehomwe yekunyura yakagadzirirwa kugadziriswa kumba. Kana bhajeti yako yakanyanya kusimba nekutengesa imba, saka iwe unenge usina kugadzirira uye unofanira kumirira kutenga imba. Iwe unogona kuda kuchengetedza $ 5000 kubhadhara mari yekugadzirisa musha usati watenga. Iva nechokwadi chokuti iwe unogona kutenga imba yako yveshuwarisi muwedzerwa kubhadharo kweimba yako. Usapinda mumanikidziro ekutenga imba usati wakagadzirira, pane kudaro, kumirira kusvikira iwe unogona kupindura hongu kumibvunzo yese. Iwe unogona kuongorora kana iwe uchifanira kukodha kana kutenga gore negore kusvikira unonzwa wakagadzirira kutenga imba. Iva nechokwadi kuti iwe unofunga nezvekusafungidzirwa kana mari yakawedzerwa kana uchitenga imba inotenga fenisha itsva kana pende.
Ichi chinyorwa chezvikonzero zvokutenga kana kumirira zvinogona kukubatsira kuita sarudzo yako.