Kutenga musha inzira inonyadzisa - imwe inogona kuva inofadza uye inotarisira dzimwe nguva, inogumbura uye inonyadzisa kune vamwe. Izvo zvikwereti uye pasi zvinogona kukupfekedza kunze uye kupisa kutonga kwako, kusvikira paunoita zvinosarudzira zvisarudzo iwe ungazozozvidemba. Chimwe chisarudzo ichocho chokuti vanotarisira kumusha vanogara vachigadzira kutenga imba vasingakwanisi .
Kunyange zvazvo mabhizimisi anodiwa kuti awane chikwereti nhasi ane simba kudarika zvavakanga vasati vamboita nhamo yeimba ya2007 , vashandi vekumba vanogona kuwana nyore nyore kutamba kupfuura zvavanogona kutsva - uye vangasazviziva kusvikira mushure mekunge kutenga kwapera.
Heano zviratidzo zvishanu zvauri kutenga imba yausingakwanisi kutenga.
1. Kuchengeta Mortgage Terms
Kana mitemo yekubhadhara mari yako yakaita seyakasanganiswa yezvikwereti (semuenzaniso, kutanga kutora chikwereti, yechipiri chikwereti, chikwereti chete, kugadziriswa kwezinga, nguva yakawedzerwa, uye kubhadhara kubhaluni), iyo chiratidzo chikuru chekuti haugoni kutenga imba iwe achitarisa kutenga.
Saizvozvowo, kana mutengesi wako anokukurudzira kuti ubvume mazwi ekubhadhara mari asingasviki nechinangwa chekugadzirisa pane imwe nzvimbo pasi pemugwagwa, iyo pachayo iyo mutsvuku mutsvuku, sezvo pasina chivimbo iwe uchakwanise kugadziridza mune zviri nani .
Kana mari iyo ichinzwa yakamanikidzwa chero ipi zvayo, uri kuunza pane zvaunogona kuita uye ungazozviwana uri mumatambudziko.
2. Kubhadhara Purogiramu Inobatsira Kubhadhara
Kune zvirongwa zvizhinji zvakagadzirirwa kubatsira vashandi vekubhadhara nemari yavo pasi uye mari yekuvhara. Kunyange zvazvo zvirongwa izvi zvakagadzirirwa kubvisa zvipingamupinyi kumusha weimba uye pamwe nekusimudzira hupfumi hweimba, zvinorevei kuva rubatsiro hausi nguva dzose.
Kana iwe usati wakagadzirira mari yezvinhu zvekutenga uye kuva neimba, kupinda mune imwe usati wakagadzirira kana kupinda mune imwe yausingakwanisi kutenga pasina rubatsiro ruchaita kukuvadza kupfuura kunaka.
3. Iwe Wangoita Zvakakwana Kuvhara Mutero
Wakaita kushingaira kwako uye wakashandisa chikwereti chekubhadhara chikwereti kuti uone kuti iwe unogona kukodzera kubhadhara patsva mubhajheji yako.
Hakuna gumbo, asi iwe unonzwa iwe unogona "kuita kuti iite."
Ramba uchifunga mupfungwa, mari yeimba yeimba yako inopfuurira mberi kwekutora chikwereti chako. Pamusoro pekubhadhara kwako kwedzimwe mwedzi, iwe uchada kubhadhara mari yekuchengetedza nekuvandudza imba yako neimba. Uye iwe unoda kukwanisa kubata zvisingafungidziki - chidimbu chakakoromoka, denga rakanyarara, kana zvimwe zvakawanda zvinodhura zvinouya nekuva neimba .
4. Kukwereta Kubva kuAkambani yeMutoro
Vakawanda vanobhadhara musha vanobhadhara kubva kumakambani avo ekurega basa kuti vabatsire kubhadhara mari yavo pasi. Kunyange zvazvo chiri chokwadi kuti iwe unogona kubvisa mari isina mhosva kubva kuRoth IRA kutenga imba yako yekutanga, zvakare ichokwadi kuti uri kubvisa mari yaive yakarongerwa mune remangwana.
Yeuka chikonzero chawakasarudza kuchengetedza kubhadhara mukutanga. Kana kuvhara mukusara kwako kwekusarura ndiyo yako chete sarudzo yekutsvaga imba, iyo chiratidzo chekunyevera.
5. Unonzwa Kunzwa
Hazvisi zvisizvo kuti uwane tsoka dzinotonhora vasati vatenga zvikuru. Asi kana iwe usingakwanise kuzunguza manzwiro anonzwa kuti iwe uri kuda kuruma kupfuura iwe unogona kutsva, saka iyi intuition inogona kuva chiratidzo chikuru chekuti uri kufamba nenzira yaunofanira kubva nayo.
Hazvisi nyore kubvuma, asi iwe uchaziva zvakaderera kana imba yako yauri kutenga yakawandisa.
Kana uine chokwadi kana kusava nehanya, iwe uri kuzviitira iwe rudo nekuvateerera - kunyange kana zvinoreva kupfuurira pamba yawaisa mwoyo wako.
Dzivisa Kuita Chisarudzo Uchazozozvidemba
Nokuti kutenga imba kune chisarudzo chakakosha, iva nechokwadi chokuti uri kusvika kwairi ne musoro wakajeka. Usaita saizvozvo kuti ubatanidzwe mumanzwiro ekuva neimba yako kuti iwe uri bofu kuchokwadi chemamiriro ako ari kupinda.
Zvakanaka, boka rako revashandi richakutungamirira kune chisarudzo chakanaka kwauri. Asi iwe unotora chikwereti mutengesi uye weimba yemugove anogona kunge ane zvikwereti zvake zvekubhadhara, uye anogona kukuendesa kune chinangwa chinovabatsira. Iwe unoda kuva iwe unofanirwa kuongorora zvaunosarudza uye kusarudza zvakakunakira iwe.
Kana iwe uchida kudzivisa kufamba nenzira yaunogona kuzvidemba, ziva zviratidzo izvi zvekunyevera, uye ude kunonoka kutenga imba kusvikira iwe uchigona kuzvipa.
Iwe uchazvionga iwe gare gare!