Zvingaita sei mari yekugadzirira
Chikwereti chibvumirano chinobvumira anenge akwereta kushandisa zvinhu sechibvumirano kuti awane chikwereti.
Muzviitiko zvakawanda, izwi racho rinoreva chikwereti chemusha: Kana ukwereta kutenga imba, iwe unopinda chibvumirano chekuti mukwereti wako ane kodzero yekutora matanho kana iwe usingakwanisi kubhadhara chikwereti chako pamutero. Chinonyanya kukosha, bhangi rinogona kutora iyo nzvimbo mukufananidzira - kukumanikidza kuti uende kunze kuti vagone kutengesa imba.
Mari yekutengesa ichashandiswa kubhadhara chikwereti chero chipi zvacho chaunenge uchikwereta paimba yacho.
A Mortgage Chibvumirano:
Izwi rokuti "chikwereti" uye "chikwereti chemusha" chinowanzoshandiswa zvakasiyana. Nenzira chaiyo, kutenga chikwereti isungano inoita kuti musha wako wekukwereta unogona - kwete chikwereti pachako. Nokuda kwekutengesa zvivako, zvibvumirano zvinofanira kuve zvakanyorwa, uye chikwereti chikwangwani icho (pakati pezvimwe zvinhu) chinopa mukwereti wako kodzero yekutarisa pamba pako.
Zvikwereti Zviita Kuti Zvigone Kutenga
Real estate inodhura. Vanhu vazhinji havana mari yakakwana yekuchengetedza imba, saka vanobhadhara chikamu che20 kana zvimwe uye vanokwereta zvimwe. Izvo zvichiri kusiya kudiwa kwemazana ezviuru zvemadhora mumisika zhinji. Mabhangi anongoda kukupa iyo mari yakawanda kana vane nzira yekuderedza ngozi yavo.
Yakachengeteka kumabhangi: Mabhenji anozvidzivirira pachakukumbira kuti ushandise imba yaunenge uchiitenga semari . Kuti uite kudaro, iwe "unovimbisa" chivako sechibvumirano, uye icho chibvumirano ndechekuti "chikwereti." Mukudhinda kwakanaka kwechibvumirano chako, bhangi inowana mvumo yekuisa huni paimba yako kuitira kuti vagone kunyatsogadzirira kana zvichidiwa.
Mamwe Marikiti Inotengeswa:
Vanokwereta vanowanawo rubatsiro pane urongwa urwu. Nokubetsera chikwereti kunoderedza ngozi, uyo akakwereta anopa chikwereti chinoderera. Zvikwereti zvinowanzoshandiswa nevatengi (vanhu nemhuri), asi mabhizimusi nemamwe masangano anogonawo kutenga zvivako nekutora chikwereti.
Mhando dzeMariji
Kune marudzi akasiyana-siyana ezvitoro, uye kunzwisisa izwi rinogona kukubatsira kuti uwane chikwereti chakanaka chemamiriro ako ezvinhu (uye usarega kuenda nenzira isina kururama).
Zvakare, kana iwe uchida kuva munhu anonamatira, isu tiri kutaura pamusoro pemhando dzakasiyana-siyana dzezvikwereti - kwete mhando dzakasiyana dzezvikwereti (nokuti chikwereti chinongova chikamu chavanoti vanogona kutarisa kana iwe ukarega kubhadhara).
Fixed-rate mortgages ndiyo rudzi rwakarongeka rwechikwereti. Iwe uchaita zvakakwana kubhadharo imwechete yeiyo nguva yose yechikwereti (kunze kwekuti iwe uchibhadhara kupfuura izvo zvinodiwa, izvo zvinokubatsira kubvisa chikwereti nokukurumidza). Fixed rate mortgages inowanzogara kwemakore makumi matatu kana gumi nemashanu, kunyange zvazvo mamwe mazwi asinganzwisisiki. Matanho pazvikwereti izvi zvakajeka zvakanyanya: Zvichipiwa chikwereti chemari, chikwereti chechido , uye makore akawanda kuti udzorere chikwereti, wako chikwereti inotora chikwereti chakatarwa pamwedzi.
Fixed-rate loans zviri nyore zvokuti iwe unogona kuverenga kubhadhara chikwereti uye kubhadhara iwe pachako ( mahwendefa uye mapuraneti ari paIndaneti anoita kuti zvive nyore). Izvi zviyero zvakakosha kukubatsira kuti uenzanise vatengesi uye usarudze chikwereti chipi zvacho chaunoshandisa. Iwe unogona kushamiswa kuona kuti nguva yakareba yeizvikwereti inotungamirira kune mari yepamusoro inobhadharwa pamusoro pehupenyu hwechikwereti chako-kubudirira kugadzira imba inodhura kupfuura inofanirwa kuva.
Chirongwa chinogadziriswa chechikwereti chakafanana nezvikwereti zvakakwana, asi chido chekufarira chinogona kuchinja pane imwe nguva munguva yemberi.
Kana izvozvo zvikaitika, kubhadhara kwako kwemwedzi kunoshandurawo - kune zviri nani kana kuipa (kana zvikwereti zvikwira, hutori hwako huchawedzera, asi kana uwandu hukawa, unogona kuona zvishoma zvinowanikwa mwedzi imwe neimwe).
Matengo anowanzoshanduka pashure pemakore akawanda, uye kune mimwe miganhu yekuti yakawanda inogona kufamba sei. Izvi zvikwereti zvinogona kuva mungozi nokuti hauzive kuti mari yako yepamwedzi ichave yakadini mumakore gumi (kana iwe ukazokwanisa kuripa).
Chechipiri yekubhadhara mari , iyo inozivikanwawo semari yemari yemari, haisi yekutenga imba - ndeyekukwereta kune imwe nzvimbo yaunenge iwe. Kuti uite kudaro, iwe unowedzera imwe chikwereti (kana imba yako iripo, iwe uri kuisa itsva, kutanga, kutengesa pamba). Chechipiri chekutenga chikwereti chikwereti "chinzvimbo chechipiri," zvinoreva kuti vanongobhadharwa kana pane mari yakasiyiwa mushure mekunge mari yekutenga chikwereti ichibhadharwa. Chechipiri yekubhadhara mari dzimwe nguva inoshandiswa kuribhadhara kuvandudza kwemusha uye dzidzo yepamusoro. Mune dambudziko rezvemari , idzi zvikwereti zvaizivikanwa kushandiswa ku "mari" yeimba yako yakakwana .
Kudzorera zvikwereti zvinopa mari kune varidzi veminda (kazhinji vanopfuura makore makumi matanhatu) vanove vakakosha mumisha yavo. Vashandi dzimwe nguva vanoshandisa reverse mortgage kuti vatsigire mari kana kuwana mari yemari yemari yavakabhadhara kare kare. Nekutora chikwereti, iwe haubhadhara chikwereti - uyo anokupa chikwereti anokubhadhara iwe - asi zvikwereti hazvisi nguva dzose sezvazvinonzwika .
Kuda chikwereti chete kunokubvumira kuti ubhadhara chete mari inofarira kune chikwereti chako mwedzi mumwe nomumwe. Somugumisiro, iwe uchange uine chikwereti chiduku pamwedzi (nokuti hauri kubhadhara chero chikwereti chako chemari). Chinokanganisa ndechokuti iwe hausi kubhadhara chikwereti uye kuvaka chiyero mumba mako , uye iwe uchafanira kudzorera chikwereti ichocho rimwe zuva. Izvi zvikwereti zvinogona kuve zvine musoro mune dzimwe nguva zvenguva pfupi, asi haisi iyo nzira yakanakisisa kune vimba veimba vakawanda vanotarisira kuvaka upfumi.
Balloon zvikwereti zvinoda kuti iwe ubhadhe chikwereti zvachose nehomwe huru ye "balloon" . Panzvimbo yekuita kubhadhara kumwechete kwemakore gumi nemashanu kana makumi matatu, iwe uchafanirwa kuita mari yakawanda kuti ubvise chikwereti (shure kwemakore mashanu kusvika kumanomwe, somuenzaniso).
Izvozvi zvikwereti zvinoshanda kwenguva pfupi, asi zvinokuvadza kufunga kuti iwe uchakwanisa kuwana mari yaunoda apo kubhadhara kubhaluni kunokonzerwa.
Kudzosera zvikwereti zvinokubvumira kuti iwe uchinje imwe yekutengesa kune mumwe kana iwe ukawana bhizimisi iri nani. Kana iwe uchigadzirisa chikwereti, iwe unowana chikwereti chitsva chinobhadhara chikwereti chekare. Izvi zvinogona kudhura nekuda kwekuvhara mari, asi inogona kubhadhara kwenguva yakareba kana iwe ukawana nhamba kuenderera mberi zvakanaka . Mari yechikwereti haifaniri kuva imwecheteyo. Semuenzaniso, unogona kuwana chikwereti chakasimwa chekubhadhara chikwereti chinogadziriswa chekubhadhara mari.
Nzira Yokuwana Nayo Imba Yomunharaunda
Kukwereta mari, iwe uchada kubhadhara chikwereti. Mari yechikwereti inoda zvakawanda zvinyorwa kudarika mamwe marudzi ehukwereti (semotokari yemotokari kana mari yemari yako), saka gadzirira kwenguva yakareba.
Chikwereti uye Mari:
Sezvakawanda nezvikwereti, chikwereti chako uye mari yako ndiyo inonyanya kukosha kuti uone kana usingazogamuchirwa. Usati waita chikwereti chemusha, chengetedza chikwereti chako kuti uone kana pane nyaya dzingakonzera matambudziko (uye dzigadzire kana dziri zvikanganiso chete). Kutora nguva, kutonga, nedzimwe nyaya zvinogona kuguma pakuita kuti chikumbiro chako chirege-kana iwe uchawana chikwata chapamusoro chekuda, zvinoreva kuti iwe uchabhadhara zvakawanda pamusoro pehupenyu hwechikwereti chako.
Zvinyorwa uye Ratios:
Vatengesi vanodiwa kuti vaone kuti mune mari yakawanda yekubhadhara chero zvikwereti zvavanobvuma. Somugumisiro, iwe uchada kupa uchapupu hwekuwana mari (tora fomu yako W-2, yako yazvino yakadzoka mutero, uye mamwe magwaro akakwana kuitira kuti ugozviisa pasi kune ako chikwereti).
Chikwereti kuRatio Ratio:
Vatengesi vachatarisa zvikwereti zvenyu zviripo kuti vaone kuti mune mari yakakwana yekubhadhara zvose zvamakweretesa - kusanganisira iyo itsva yaunenge uchikumbira. Kuti vaite kudaro, vanoverenga chikwereti chekuwana mari , iyo inovataurira kuti mari yakawanda yemari yako yemwedzi inodyiwa sei nekubhadhara kwemwedzi mumwe nomumwe.
Chikwereti Kukoshesa Ratio:
Kunyange zvazvo zvichikwanisika kutenga nezvishoma zvishoma, mikana yako yekugashiriswa iri nani kana iwe ukaita chikwereti chikuru pasi. Vatengesi vanoverenga chikwereti chinokoshesa chiyero , izvo zvinoratidza kuti uri kukwereta zvakadini kana uchienzanisa neimba yakawanda sei. Kana uchinge uchinge uchinge uine chikwereti, pasi pangozi yekutengesa yako (nekuti vanogona kutengesa pfuma yacho nokukurumidza uye vanowana mari yavo yose).
Kugadziriswa:
Zvakanakisisa kuziva kuti unogona kukwereta kwenguva yakareba sei usati watanga kutenga zvemba (kana zvikwereti). Imwe nzira yekuita iyo ndeyekuti utange kutenderwa neavoti. Iyi inotangira nzira apo vatengi vanoongorora chikwereti chenyu ruzivo nemari yako. Nezvo ruzivo, vanogona kukupa chikwereti chakakura chekubhadhara chavanokwanisa kubvuma. Izvi hazvirevi kuti iwe unobvumirwa - kunyanya kwete kune imwe nzvimbo - asi iyo inobatsira ruzivo, uye tsamba yekufananidza inogona kubatsira kusimbisa kupa kwako. Kana uchinge uri pasi pechibvumirano, vateresi vachanyatsoongorora zvinhu zvose uye vanobva vabvumirana nepamutemo (kana kurambwa).
Mari Yakadini?
Vatengesi nguva dzose vanokuudza kuti unogona kukwereta zvakadini, asi havatauri kuti iwe "unofanira" kukwereta zvakadini. Mutoro unowira kwauri kuti usarudze kuti ungashandisa mari yakawanda sei paimba, chikwereti chei chekushandisa, uye iyo yakawanda yekubhadhara iwe unoda kuitei (inoshandisa chikwereti chako kuti uwane chiyero ). Zvose izvi zvinotarisa kuti muchabhadhara mari yakawanda sei mwedzi mumwe nomumwe, uye kuti unofarira kubhadharwa hupenyu hwechikwereti chako (zvikwereti zviduku zvinoita kuti zviduku zvidhinwe pamwedzi uye zviduku zvinowanikwa). Zviri nyore kukwereta mari yakawanda inowanikwa, kunyanya kana iwe uchida kuva ne "kukandira" mubhadharo yako yemwedzi.
Kwokuenda kune Borrow
Mari yekukwereta kumusha inowanikwa kubva kumarudzi akasiyana-siyana. Tora zvinyorwa kubva kune vatatu vatengesi vakasiyana, uye sarudza iyo inoshanda zvakakunakira iwe.
Imba vatengesi vanopa zvikwereti kubva kune vakawanda vakweretesi. Vanokwanisa kubhadhara zvikwereti kubva kune mabhanga akawanda uye mamwe mavhesi ekubhadhara, uye vachakubatsira iwe kusarudza chikwereti chinoenderana nehuwandu hwechibereko uye zvimwe zvinhu. Imba vatengesi vanogona kutengesa mari yekutanga yaunobhadhara, kana kuti inogona kubhadharwa nemutengi (kana kusanganiswa kwezvose). Kana iwe usingazivi chero zvikwereti zvekutengesa, bvunza iwe weimba yako yemugovera kana vamwe vanhu waunovimba nekuda kwekurudziro.
Mabhandi nemakambani emakwereti anopa zvikwereti kune vatengi. Mari inotarisa nekuchengetwa kwekodhi inoda kuiswa mari, nekukweretesa kuti mari ndiyo imwe nzira yekuisa mari iyo . Aya masangano anotorawo mari kubva pamari yepakuvamba, chido, uye zvimwe zvekuvhara mari.
Vatengi vepaIndaneti vanogona kubhadhara zvikwereti ivo pachavo (vachishandisa mari yevatengesi, somuenzaniso), kana kuti vanogona kushanda semari yekubhadhara mari. Aya mazano anonyanya kukosha nokuti unogona kuita zvose zvese, uye iwe unogona kazhinji kuwana zvinyorwa zvishoma kana zvishoma pakarepo.
Munhu wese anokweretesa anofanira kukupa neUkweretesa Kwemari , iyo inokubatsira kuti uenzanise mari yekukwereta kubva kune vakweretesi vakasiyana. Verenga nemabhuku acho zvakanyatsonaka, uye bvunza mibvunzo kusvikira unonzwisisa zvose zvaunoona. ICFPB inotsanangura zvikamu zvitanhatu zveMari Inotarisirwa kukubatsira kuti unzwisise zvikwereti chako.
Mitsarudzo yeMari
Zvingave zvichibvira kuwana rubatsiro nemari yako yawakakweretesa uchishandisa zvikwereti kubva kune hurumende nemasangano emunharaunda. Aya mapurogiramu anoita kuti zvive nyore kugamuchirwa, uye vamwe vanopa kukurudzira kwekuita kuti pamba pamba ive yepamusoro uye inokwezva. Mukuwedzera pakutengesa imba, zvingave zvichibvira kutsvaga nemapurogiramu (kunyange kana iwe une chikwereti kupfuura imba yako inokosha ).
Hurongwa hwehurumende huripo humwe humwe hune rupo. Muzviitiko zvakawanda, munhu anokweretesa wega (sebhangi) anopa mari, uye hurumende yehurumende inovimbisa kubhadhara chikwereti kana iwe ukakundikana kuzviita. Iko kune zvakasiyana-siyana zvezvirongwa, uye zvimwe zvezvinonyanya kuzivikanwa zvakanyorwa pasi apa.
FHA Mari:
Mari dzinotsigirwa neHeral Housing Housing (FHA) dzinowanikwa kune vashandi vemunharaunda vanoda kubhadhara mari shoma. Zvinogona kutenga nechepasi pe 3.5 kubva pasi, uye ivo vari nyore kuti vawane (kana iwe usina chikwereti chakakwana, somuenzaniso). Dzidza zvakawanda pamusoro peFHA zvikwereti .
VA Mariro:
Veterans, Servicemembers, uye vakaroorana vakakodzera vanogona kutenga imba nekwereti inopihwa neDhipatimendi reVeterans Affairs (VA). Izvi zvikwereti zvinokubvumira kubhadhara pasina mvumo ye mortgage inshuwarisi uye kwete kubhadhara (pane dzimwe nguva). Iwe unogona kukwereta nechikwereti chiduku-kudarika-chakakwana, kupfigira mari kunopera, uye chikwereti chinogona kutora (kubvumira mumwe munhu kuti atore mari kana achikodzera).
Vokutanga-Time Vashandi vekumba veimba vanoita kuti zvive nyore kuva neimba yako yekutanga , asi vanouya nemaketani akabatanidzwa. Kazhinji inokurudzirwa nehurumende dzenharaunda uye masangano asingabatsiri, mapurogiramu aya anogona kubatsira nekudhura mari, kubvumirwa, kudiwa kwezvibereko, nezvimwe. Zvisinei, ivo vakaoma kuwana (uye vanofanirwa), uye vanogona kugadzirisa kuti iwe unogona kubatsirwa sei kana iwe uchitengesa imba yako.
4 Nzira dzekuchengetedza mari
Mari yekukwereta kumusha inodhura, saka kuponesa kunyange zvishoma (muzana yemashoko) zvinogona kutungamirira kumazana kana zviuru zvemadhora mukuchengetedza.
1. Pasi Pose
Zvakare, zvinokosha kuti uwane zvinyorwa zvitatu kubva kune vakweretesi vakasiyana - zvichida marudzi akasiyana evakweretesi (a mortgage broker, anowanikwa muIndaneti, uye yako yekodhi kubatana, somuenzaniso). Munhu wose ane maitiro akasiyana, uye iwe uchadzidza zvakawanda mukugadzirisa.
2. Tarisa muIndaneti
Mari yakakura (uye yakareba) yako chikwereti, iyo inowedzera kukosha kwako. Iwe unobhadhara chikwereti kune chikwereti chako chemari gore negore, uye iyo inotora mari inogona kuva makumi ezviuru zvemadhora. Dzimwe nguva zvinonzwisisika kubhadharira mberi mberi - kunyange kutenga "pfungwa" pachikwereti chako - kana iwe unogona kuvhara muzinga shoma kwenguva refu.
3. Chengeta Kuchengetedzwa KweInitender Insurance
Kana iwe ukaisa pasi pasi pe20 muzana, iwe unenge uchida kubhadhara chikwereti cheshuwarisi. Iyi inshuwarisi haisi yekubatsira kwako - inochengetedza chikwereti kana ukamira kurega kubhadhara uye haigone kuwana mari yavo-saka zvakanakisisa kudzivisa mari iyi. Ongorora nzira dzakasiyana dzekuuya ne20 muzana, uye tsvaga kuti ungabvisa sei mari yekutengesa inshurenzi nokukurumidza. Nezvikwereti, seFHA zvikwereti, haugoni kubvisa zvachose mari iyo kunze kwekuti iwe uchinatsiridza.
4. Chengetedza Mari yekupfiga
Paunowana chikwereti chemusha, iwe uchada kubhadhara mari yakawanda. Iko kune mari yekushandira, mari yekuongorora chekwereti, mari yekutanga, yekuongorora mari , uye nezvimwe. Vamwe vanokweretesa vanodhura mari yakakwirira uye yakaderera, asi iwe unoguma uchibhadhara imwe nzira kana imwe. Ngwarira "pasina mari yekuvhara" zvikwereti kunze kwekuti iwe une chokwadi kuti iwe uchave uri pamba kwenguva pfupi.