Kurega Kurega Hazvirevi Iwe Unogona Kubvumira Mutengo Wakanaka Kuwira Nzira Yenzira
Kuvaka zvakanaka maitiro ekukwereta pakutanga kwehupenyu kunogona kutungamirira kumanho ane simba uye chikwereti chako chichiri kutarisirwa kana uchinge wasvika pakubhadhara.
Kunyange iwe usingave wakakurumidza kukwereta pakubhadhara , pane zvimwe zvikwereti zvekwereti zvemibvunzo yekufungisisa gare gare muupenyu.
1. Kuvhara Chikwereti Chekwereti Chekwereti Chikamu changu here?
Kuvhara kadhi kadhi rechikwereti pakubhadhara mari kunogona kukanganisa chikwereti chako chikoro kana iwe uchiri kutakura chikero apo iyo nhoroondo yakavharwa. Izvozvo ndezvokuti chikamu chikuru chekwereti yako chikoro chakavakirwa pamutengo wako wekushandisa chikwereti . Ichi ndicho chiyero chekwereti chiripo unoshandisa.
Kuvhara nhoroondo apo iwe uchiri nechikwereti zvakananga kunopikisa chiyero chako chekushandisa, icho icho chinogona kukanganisa zvakanyanya chikwereti chako chikoro. Kana uri kufunga kuvhara kadhi rechikwereti mubasa rekurega basa nokuti iwe hausati waronga kuishandisa, iva nechokwadi chekubhadhara chikamu kubva pakutanga kuti uderedze chero matambudziko akaipa ekuderedza chikwereti chako chekwereti.
2. Chikwereti Chekubhadhara Pamusoro Pemhuri Equity?
Kurega basa kunogona kukupa nguva yaunoda kuti ugadzire pakugadzirisa misha yemhuri kana kugadziriswa kwave kuri pane iwe-kuita urongwa.
Kana iwe uri chikwereti-usina kana iwe wakawana mari yakawanda yemhuri yekuenzanisa , unogona kutora chikwereti pamusoro payo kuburikidza neimba yemari chikwereti kana mutsara wechikwereti kuti uvhare mari. Kana zvakadaro, chikwereti chako chichagadzirisa zvakakwana chikwereti chako sechikamu chekushandira uye kubvumirwa.
Chikwereti chakanaka chekwereti chinogona kureva nyore kugamuchirwa uye muzinga wakaderera pane zvauri kukwereta.
Asi, iyi ndeimwe yezvikwereti zvikwereti zvingava nemhinduro dzakawanda. Kana iwe uchida kuunza imwezve yekushambadzira mari mukutora basa, reverse mortgage ndiyo imwe nzira yekuwana nayo imba yako yekuenzanisa. Misiyano ndeyokuti mari yako uye mari yechikwereti hazvina kukosha pane izvi. Zvechokwadi, hapana chikwereti chekwereti chinotarisirwa kuti chiwane chikwereti chekubhadhara mari.
3. Ungagadzirisa sei Mari Inobatsira Zvikwereti Zvokukwereta?
Iyi ndiyo imwe yenhau dzinonyanya kukosha pamibvunzo yekubvunza kana iwe wakabatanidzwa pamatokari emotokari, chikwereti chemusha kana chikwereti chemudzidzi kune mumwe wevana vako kana vazukuru. Kusayina mari pachikwereti , zvichienda mberi kana pakurasikirwa, kunogona kuva nemigumisiro yakakomba kune chikwereti chako.
Sezvo mubatanidzwa wekubatirana, iwe unofunga kuti mutoro wemugove wakagoverana wechikwereti, kunyange iwe hausi iwe uri kuripira. Kana wako-mupiriri wako akasafa pane chikwereti chawakasayina zita rako kune, vateresi vanokwereta vanogona kutevera iwe mose kuti muwanezve chikwereti. Izvo zvinosanganisira kuiswa pasi pekutongwa kwekodzero dzevanhu. Kana kutonga kwasvika kunopesana newe, iwe unomhanyira mungozi yekuti iwe wega wega rekuregeresa rekodhi kana imwe mari inogadziriswa , kana kuti yebhangi yako yebhangi yakaoma, zvichienderana neunogara.
(Cherechedza: Hapana hurumende inobvumira 401 (k) pfuma kana Social Security inobatsira kuti igadzirwe nokuda kwekukwereta chikwereti.)
4. Ko Chikoro Chine Chikwereti Chingaita Kuti Ma Inshurensi Awandise?
Kana uri kutarisira kuchengetedza mari pamubhizimisi wemotokari kana yeimba yaunogara mukurasikirwa, chikwereti chako chinokonzera nyaya. Kunze kweHawaii, California neMassachusetts, nyika yose inobvumira makambani emishuwarisi yemotokari kuti aongorore chikwereti chako chisati chakubvumirana nemutemo. Nhamba yako inogonawo kutaridzirwa neinishuwarenzi yeimba yeimba.
Vatsigiri vanoshandisa purogiramu yako yekwereti kuti uone kuti iwe uri pangozi yakadii uye kuti zvingave sei kuti iwe unogona kubvunza. Nhoroondo yakasimba yekwereti uye chikoro chakanaka chekwereti chinogona kukubatsira kuti uwane mukana wakaderera pamushuwarisi wokuvhara, asi chikoro chechikwereti chakaderera chingaita kuti zvikwereti zvakakwirira kana kuti kusaregera kubhadhara.
5. Kufamba Chikamu Chikuru Chezvandiri Kubatira Purogiramu Here?
Kufamba kwenyika chinangwa icho vazhinji vakasiya mari vanogovana asi zvinogona kudhura.
Kuzarura mhanho yekufambisa kadhi rechikwereti iro rinopa mairasi kana mapepa ekutenga, pamwe chete nemamwe mafambiro ekuchengetedza mari, zvinogona kuva nzira yakanaka yekuona zvinhu kunze kwekudhonza dendere rako mazai. Zvisinei, tsvina iyi, ndeyekuti makadhi akawanda ekufambisa makadhi anopa mibayiro yepamusoro uye zvikwereti zvinoda kuti iwe uve nekodzero yakaisvonaka yekukodzera.
Chikwereti chako chikwangwani chinokanganisawo gore roga roga purogiramu iwe uchabhadhara nokuda kwekadhi yekubhadhara kadhi. Kubhadhara mari yako yakazara mumwedzi wega wega ndiyo nzira yakanakisisa yekudzivisa mitero inofarira asi kana uri kutengesa rwendo rwakawedzerwa, unogona kunge uchida nguva shoma yekuripa. Ndiko apo chikwereti chako chikoro chinogona kuita mutsauko muhuwandu hwemari yekutora inowedzera kuwandu.
6. Ndeipi nzira yakanakisisa yekuchengetedza mazano akanaka mukurega basa?
Paunokumbira mibvunzo yechikwereti, zvakakosha kufungisisa nezvemhando yekwereti yawakatokura . Kana iwe uri kupinda mukutora nemukana wakanaka, ipapo kuchengeta icho chikwata chinhu chekutevera maitiro akafanana.
Icho chinosanganisira:
- Kubhadhara zvikwereti zvako nenguva
- Kuchengetedza zvikwereti zvekadhi rechikwereti pasi
- Kushandisa kwechikwereti chitsva zvishoma
- Kuchengeta nhoroondo dzakwegura dzikazarurwa
- Kushandisa mhando dzakasiyana dzekwereti
Kana zvikwereti zvako zvekwereti pakubhadhara mari zvisingasviki sezvaunoda, iwe unogona zvakare kushandisa tsika dzakafanana kuti uwedzere kukoshesa chikwereti chako. Yeuka zvakare kutarisa chikwereti chako nguva dzose mukurega. Izvozvo zvinoreva kutevera chikamu chako kubva pamwedzi kusvika pamwedzi, pamwe nekuongorora chikwereti chako chekwereti nguva dzose chero ipi zvayo inogona kunyevera zviratidzo zvehutsotsi hwehuzivi . Nokukurumidza paunoona chikwereti chechikwata chekundu, nokukurumidza iwe unogona kuita chimwe chinhu kuti udzivise mubavha wechiratidzo kuti urege kuparadza chikoro chako.