Nhungamiro yevatsvaga mari yekubhadhara uye mari yekukwereta nekuchenjera
Kukwereta kunoita kuti zvinhu zvakawanda zviitike. Kana iwe usingakwanisi kubhadhara mari yeimba (kana chimwe chimwe chinhu ine mutengo wepamusoro), chikwereti chemusha chinokubvumira kutenga musha uye utange kuvaka kuvaka. Asi kukwereta kunogona kudhura, uye kunogona kuparadza mari yako. Iwe usati wawana chikwereti, ziva kuti ingabhadhara sei chikwereti, sei kukwereta pane zvakanakisisa mari, uye kuti ungadzivisa sei zvinetso.
Borrow Wisely
Mari inoshandiswa zvakanyanya paunenge uchiita sarudzo mune ramangwana rako kana kutenga chimwe chinhu chaunoda zvechokwadi uye haugone kutenga nemari.
Vamwe vanhu vanofunga nezve "chikwereti chakanaka" uye "chikwereti chakaipa," asi vamwe vanoona chikwereti chose sechakaipa. Zviri nyore kuziva chikwereti chakashata ( mari inodhura payday zvikwereti kana holide inobhadharwa zvachose pane kadhi rechikwereti), asi chikwereti chakanaka chakanyanya kuoma.
Ticharondedzera ma mechanics yezvikwereti pasi apa. Usati wapinda mumate uye mabhoti, zvinokosha kuti uongorore kuti nei iwe uri kukwereta.
Dzidzo yekushandisa mari ine mukurumbira wakanaka: Iwe uchabhadhara zviyero uye unyanzvi hunozarura masuo iwe unyanzvi uye unopa mari. Izvi zvinonyanya kujeka, asi zvinhu zvose zviri nani mukuenzanisa. Sezvo chikwereti chechikoro chinokanganisa kusvika nguva yose yakakwirira, zvakakosha kuti uongorore kuti unobhadhara mari yakawanda sei pamusoro pekukwanisa kubhadharwa. Sarudza munda wako wekudzidza nekuchenjera uye urambe uchikwereta kune zvishoma.
Imba pamba inowanikwawo sekushandiswa kwakanaka kwechikwereti. Kunyange zvakadaro, zvikwereti zvemusha zvaive zvakakonzera dambudziko rekutenga chikwereti muna 2008 , uye vagari vomunharaunda nguva dzose vanozorodzwa kuti vaite mari yekupedzisira yekubhadhara mari. Imba iwe pachako inokubvumira kutora utongi hwemamiriro ako ega nekuvaka kuenzana , asi musha wemari mari yakakura zvikwereti - saka ivo vane ngozi zvikuru.
Motokari dzakanaka, kana zvisingadi, munzvimbo dzakawanda. Vazhinji vashandi vanofanira kuenda kune imwe nzvimbo kuti vawane mararamiro, uye hufambisi hwevanhu hungave husingasarudzo kwaunogara. Zvinosuruvarisa, zviri nyore kukwereta mari pamotokari, uye motokari dzinoshandiswa dzinowanzoregererwa sarudzo dzisina mari.
Kutanga nekukura bhizinesi kunogona kuva nemubairo, asi kune ngozi. Mazhinji mabhizimisi matsva anokundikana mukati memakore mashomanana, asi kunyatsotsvakurudzwa kushandiswa nemajoka ane utano we "sweat equity" anogona kubudirira. Pane mungozi uye mubayiro webhizimusi mune zvebhizimisi, uye kukwereta mari inowanzowanzo chikamu chekutengeserana - asi iwe haumbofaniri kukwereta nguva yakawanda nguva dzose.
Mari inogona kushandiswa kune chimwe chinhu, (kutora chikwereti chako hachiregi kuti unoshandisa sei mari). Zvingave kana kuti hazvina musoro kutora chikwereti chaunoda kuongorora nekuchenjerera. Munowanzo, kukwereta kubhadhara mari yako yezvinodiwa - kufanana nekubhadhara kweimba yako, zvokudya, uye zvekubhadhara mari - haisi yakasimba uye inofanira kudziviswa.
Kwatingawana Mari
Iwe unogona kunge wakakwereta kubva kune zvakasiyana-siyana zvakasiyana, uye inobhadhara kutengesa zvakapoteredza nokuti mutengo wemari uye mari inokonzerwa kubva kune chikwereti kunokweretesa. Tora zvinyorwa kubva kune vatatu vakweretesa vakasiyana, uye enda nechipo chinokushandira iwe zvakanakisisa.
Mabhangi anowanzouya mupfungwa pakutanga, uye angave ari chinhu chikuru, asi mamwe mavakwereti anonyatsofanirwa kutarisa. Mabhangi anosanganisira mazita makuru emhuri uye mabhenji emunharaunda ane chinangwa cheko.
Makambani emabhadharo akafanana zvikuru nemabhengi, asi anowanikwa nevatengi panzvimbo yevateresi vasiri kunze. Zvigadzirwa nemishandiro zvinowanzova zvakafanana, uye mitero uye mari inowanzova nani pane zvikwereti zvekwereti (asi kwete nguva dzose).
Mishandirapamwe yemabhadharo inowanzoita shoma kudarika mabhanga makuru, saka zvingave zviri nyore kuwana mukuru wechikwereti kuti aongororore purogiramu yako yechikwereti. Nzira yako pachako inovandudza mikana yako yekugamuchirwa kana pane zvikanganiso zvakaoma zvikuru kumagadziro ehurongwa ekugadzirisa nawo.
Vatengi vepaIndaneti vari vatsva, asi vakanyatsogadzirirwa panguva ino. Mari yezvikwereti zveInternet inobva kune zvakasiyana siyana. Vanhu vane mari yakawanda vanogona kupa mari kuburikidza nevezera ravo-kune-peer vatengesi, uye vasiri vasiri bhengi (kufanana nemari huru yemari) vanopawo mari yekubhadhara mari. Vaya vatengesi vanowanzokwikwidzana, uye vanogona kubvumira chikwereti chenyu maererano nemitemo yakasiyana pane iyo inoshandiswa nemabhengi akawanda uye zvikwereti zvezvikwereti.
Vatengesi vatengesi vanofanirwa kutarisa pavanotenga imba. Mumwe mutengesi anoronga zvikwereti uye anogona kukwanisa kutengesa pakati pemakwikwi akawanda. Bvunza wako weimba yemugovera mazano mazano.
Vatori vemari vane mari yakawanda vanopa mari kuvasimari nevamwe vanotenga zvivako - asi avo havasi ivo vanoita zveimba.
Vaya vanokweretesa vanoongorora uye vanobvumira zvikwereti zvinoenderana nekukosha kweimba yako yaunotenga uye zvaunowana, uye havatonyanyi kunetseka nemari yekuwana uye chikoro chezvikwereti.
Hurumende yeUnited States inopa mari yechikwereti chevadzidzi , uye zvirongwa zvezvikwereti izvi zvingasadi kuti zvikwereti zvikwereti kana kuti mari inogamuchirwa. Zvikwereti zvepachipiri zvinowanikwawo kubva kumabhangi nevamwe, asi iwe unoda kukodzera nevatengesi vega .
Makambani ezvemari anotora chikwereti kune zvinhu zvose kubva pamatiti kusvika kune zvokupfeka uye zvemagetsi. Vaya vatengesi vanowanzotora chikoro chemakadhi emakadhi uye "hapana chido" chinopa .
Vatengesi vemotokari vanokubvumira kutenga nokutora chikwereti panzvimbo imwe chete. Vatengesi vanowanzobatana nemabhangi, zvikwereti zvemari, kana vamwe vatengi. Vamwe vanotengesa, kunyanya vaya vanotengesa motokari dzisina mari, vanoshandisa mari yavo pachavo.
Mhando dzeMari
Iwe unogona kukwereta mari yekushandiswa kwakasiyana-siyana. Zvimwe zvikwereti zvakagadzirirwa (uye zvinongowanikwa chete) nokuda kwechinangwa chakati, asi zvimwe zvikwereti zvinogona kushandiswa kune chero chii zvacho.
Zvikwereti zvisina kuchengetedzwa zvinopa mari yakawanda.
Ivo vanonzi vasina kuchengetedzwa nokuti hapana mari yekuchengetedza chikwereti: haufaniri kutora rubatso sechipo chekupa chikwereti. Zvimwe zvezvikwereti zvakajairika zvisingaverengeki (zvinonziwo zvikwereti zvemunhu) zvinosanganisira:
- Marikiti yemakadhi ndeimwe yemhando dzakakurumbira dzezvikwereti zvisina kuchengetedzwa. Uine kadhi rechikwereti chekwereti, unowana mutsara wechikwereti waunopedza uchirwisana , uye iwe unogona kubhadhara uye kubhadhara kakawanda. Marikiti yemakadhi ingakodhura (ine mari yepamusoro-yebhadharo uye mari yegore), asi zvidimbu zve "teaser" zvinowanikwa zvinowanikwa.
- Chiratidzo chezvikwereti zvikwereti zvemunhu mumwechete izvo zvinongogadziriswa chete nechisimiriro chako: iwe unongobvuma kubhadhara, uye hauna kupa chero chibvumirano. Kana ukakundikana kubhadhara, vateresi vose vanogona kuita kukuvadza chikwereti chako uye kuunza chiito chepamutemo pamusoro pako (izvo zvingazopedzisira zvichiita kuti uwane mubairo wako uye kutora mari kubva mubhengi rebhanki ).
- Kubatanidza zvikwereti zvakagadzirirwa kubatanidza zvikwereti zviripo, kazhinji nechinangwa chokuderedza mari yako yokukwereta kana yako yaunenge uchibhadhara. Somuenzaniso, kana uine zviyero pamakadhi emakwereti akawanda, chikwereti chekubatanidza chinogona kukusunungura kubva kune-yepamusoro-chekuita uye kurerutsa kubhadhara.
Zvikwereti zvevadzidzi ndezverudzi rwechikwereti chisina kuchengetwa chinopa mari yehutano. Izvi zvikwereti zvinongowanikwa kune vanhu vakanyoreswa mune dzimwe dzidzo dzedzidzo, uye dzinogona kushandiswa pakudzidzira, mari, mabhuku nezvinhu, mararamiro ehupenyu, nezvimwewo. Hurumende yeUnited States inopa zvikwereti zvevadzidzi nemunhu ane chikwereti-ane ushamwari , uye vanokweretesa vari voga vanopa mamwe mazano ekubhadhara mari.
Mari yekuzvikwereta inokubvumira kuti uite zviduku zvishoma pamwedzi pamotokari, RVs, motokari, uye nemamwe motokari. Mamwe mazita ekubhadhara mairi ndiwo makore mashanu kana pasi. Asi kana iwe ukarega kuita zvikwereti zvinodiwa pamotokari yemotokari, vateresi vanogona kudzorera zvakare motokari yacho .
Mari yekukwereta kumusha yakagadzirirwa mari yakawanda inoda kutenga imba. Mari yechikwereti yakapera makore 15 kusvika ku30, zvichiita kuti pave nemari shoma pamwedzi. Imba yekukwereta kumusha inowanzochengetedzwa nechisungo chinopesana neimba yauri kukwereta, uye vanokweretesa vanogona kutarisa pane iyo pfuma kana iwe ukarega kubhadhara. Kusiyana kune imwe muhomwe yemari yekubhadhara mumba kunosanganisira:
- Musha chikwereti chezvikwereti (chechipiri mari): Borrow against the value of a home that you already own . Vanokwereta vanowanzobhadharira mari yekuvandudza pamba , dzidzo yezvedzidzo, uye zvimwe zvinoshandiswa.
- Hurumende yehurongwa hwekubhadhara chikwereti: Chikwata chakakosha nebhadharo shoma shoma kana chikoro chechikwereti chiduku. Vatengesi vane kumwe kuchengeteka nokuti zvikwereti zvinotsigirwa nehurumende yeUnited States. FHA zvikwereti ndezvimwe zvezvikwereti zvinowanikwa pamusha unowanikwa.
- Zvikwereti zvekuvaka: Chengetedza kuvaka kweimba itsva , kusanganisira mari yevhu, zvinhu zvokuvaka, uye makonji.
Zvikwereti zvebhizimisi zvinopa mari yokutanga nekukura bhizinesi. Vazhinji vanokweretesa vanoda kuti vhizimisi vebhizimisi pachavo vagone kupa mari yechikwereti kunze kwekuti bhizimusi rine zvinhu zvinokosha kana nhoroondo refu yekubatsira. IU US Small Business Administration (SBA) inotsigirawo zvikwereti kukurudzira mabhengi kuti akweretwe.
Zvikwereti zvinyorwa zvikwereti zvikwereti zvishoma zvemabhizimisi . Nezvipfeko zvakakosha uye vashandi vashoma, idzi zvikwereti zvingave zviri nyore kuti zvikwanisike - kunyanya kana iwe usina chikwereti, mari, uye ruzivo izvo vanhu vanowanzovakweretesa vari kutsvaga.
Mari Mari inoshanda sei
Maripo inogona kuoneka yakajeka: iwe unokwereta mari uye kuripa zvakare gare gare. Asi iwe unoda kunzwisisa ma mechanics yemarikwereti kuti uite zvikwereti zvakanaka zvokukwereta.
Kufarira ndiwo mutengo wamunobhadhara wokukwereta mari . Iwe unogona kubhadhara mari yakawanda, asi huwandu hwemari iyo inofanira kunge inobhadhara chikwereti pane chikwereti chako. Nharaunda dzekuderera dzakaderera dziri nani kudarika mazinga akakwirira, uye gore rega rega yehuwandu hwemari (APR) ndeimwe yenzira dzakanakisisa dzekunzwisisa kukwereta kwako mari .
Kubhadhara mwedzi imwe neimwe ndiyo chikamu chinonyatsooneka chechikwereti - munovaona vachibva kubhengi renyu rebhangi mwedzi mumwe nomumwe. Kubhadhara kwako kwemwedzi kuchaenderana nemari yawakakwereta, yako chido chekuda, uye zvimwe zvinhu.
- Chikwereti chekwereti yemari (nezvimwe zvikwereti zvinowirirana) zvine mari shoma inobhadharwa zvichienderana nekukwereta kwekambani uye zvinodiwa nemutengi wako. Asi kune ngozi yekubhadhara zvishoma nokuti zvinotora makore kubvisa chikwereti chako uye iwe uchabhadhara mari yakawanda mukufarira.
- Zvikwereti zvemapurisa (akawanda motokari, imba, uye zvikwereti zvevadzidzi) inobhadharwa pasi nekufamba kwenguva nebhadharo yakatarwa pamwedzi. Iwe unogona kuverenga iyo mubhadharo kana iwe uchiziva zvimwe zvishoma pamusoro pemari yako. Chikamu chebhadharo yemwedzi wega wega chinoenda kune chikwereti chako chechikwereti, uye chimwe chikamu chinoshandisa mari yekuda mari yechikwereti. Nokufamba kwenguva, kubhadhara kwemwedzi mumwe nomumwe kunoshandiswa kune chikwereti chako chemari.
Kureba kwechikwereti (mumwedzi kana makore) kunosarudza kuti iwe uchabhadhara mwedzi wega wega uye kuti unofarira kubhadharwa zvakadini. Zvikwereti zvenguva refu zvinouya nezvikwereti zviduku, asi iwe uchabhadhara chido chikuru pamusoro pehupenyu hwechikwereti ichocho. Kunyange kana iwe uine chikwereti chenguva refu, iwe unogona kuribhadhara nokukurumidza uye chengetedza pamutengo wemari.
Kubhadhara kuripo mari yaunobhadhara-pamberi pezvose zvauri kutenga . Kubhadhara kuripo kunowirirana neimba uye kutenga motokari, uye vanoderedza mari yaunoda kukwereta. Somugumisiro, kubhadhara kunogona kuderedza kuwanda kwechido chaunenge uchibhadhara uye uhu hwekubhadhara kwako pamwedzi.
Ona kuti zvikwereti zvinoshanda sei nekuona nhamba. Kana ukangonzwisisa kuti kufarira kuripo uye kubhadhara kunoshandiswa sei kune chikwereti chako, iwe uchaziva zvauri kupinda.
- Ona kuti kubhadhara chikwereti kunobhadharwa sei kupfuura nguva (vazhinji motokari, imba, uye zvikwereti zvevadzidzi)
- Shandisa spreadsheet kuti uverenge mari yekubhadhara uye mari dzechikwereti chaunofunga
- Ona kuti mari yekubhadhara uye zvikwereti zvinoshandiswa zvinoshanda sei nekodhi dzinowanikwa (makadhi emakadhi)
Nzira Yokugamuchirwa Sei?
Paunenge uchitsvaga chikwereti, vateresi vachaongorora zvinhu zvakasiyana-siyana. Kuti unyatsogadzirisa dambudziko racho, shandisa zvinhu izvozvo iwe pachako usati waita - uye utore matanho ekuvandudza chero chinhu chinoda kutariswa.
Chikwereti chako chinoudza nyaya yekukwereta kwako. Vatengesi vanotarisa mukati menyu kare kuti muedze kufanotaura kuti kana iwe hauzobhadhara zvikwereti zvitsva zvauri kukumbira. Kuti uite kudaro, vanoongorora ruzivo mune zvinyorwa zvemari yako, izvo iwe unogona kuzvionawo iwe (nokuda kwekusununguka) . Makombiyuta anogona kugadzirisa chirongwa ichi nekugadzira chikwereti chekwereti, iyo inongova nhamba yepamusoro inobva pane ruzivo runowanikwa mumarikiti yako yemari. High scores zviri nani kudarika zvidzidzo zvishoma, uye chikwata chakanaka chinoita kuti zvive nyore kuti iwe unogamuchirwa uye uwane mukana wakanaka.
Kana iwe uine chikwereti chakaipa kana iwe usati wambove nemukana wekugadzira nhoroondo yemarikiti, unogona kuvaka chikwereti chako nekukwereta nekubhadhara chikwereti nenguva.
Iwe unoda mari yekubhadhara chikwereti, saka vanokweretesa vanogara vachida kuziva nezvekuwana mari yako. Vazhinji vanokweretesa vanoverenga chikwereti chekuwana chikamu kuti vaone kuti mari yako yakawanda sei pamwedzi inoenda kune yekubhadhara chikwereti. Kana chikamu chikuru chemari yako yaunowana pamwedzi uchidyiwa nemari yekubhadhara chikwereti, havangagoni kubvuma chikwereti chako. Nenzira yakawanda, zvakanakisisa kuchengeta zvaunotarisirwa kuita pamwedzi pasi pe31 muzana yemari yako (kana 43 muzana kana iwe ukasanganisira musha wemari).
Zvimwe zvinhu zvinokosha zvakare. Semuyenzaniso:
- Dzimba dzinogona kukubatsira kuti uwane mvumo. Kuti ushandise rubatsiro , iwe "unovimbisa" chimwe chinhu icho chikwereti chinogona kutora uye kutengesa kuti chigutse chikwereti chako chisina kubhadhara (uchifunga kuti iwe unorega kuita zvikwereti zvinoda). Somugumisiro, uyo anokweretesa anotora njodzi shoma uye angave achida kubvuma chikwereti chako.
- Nheyo yekukoshesa ratios pahutano hwako inokosha . Kana uri kukwereta 100 muzana yemutengo wekutenga, vateresi vanotora ngozi yakawanda - ivo vachafanirwa kutengesa chinhu icho chiri pamusoro pebhadha kuti vadzorere mari yavo. Kana iwe uchiita kubhadhara kwemazana makumi maviri kana kupfuura, chikwereti chakachengeteka kune vanokweretesa (chikamu nokuti mune ganda rinopfuura mumutambo).
- Mumwe mubatsiri anogona kuvandudza kushanda kwako. Kana iwe usina chikwereti chakanaka kana mari yaunowana kuti ukwanise iwe pachako, unogona kukumbira mumwe munhu kuti akumbire chikwereti newe . Munhu iyeye (anofanirwa kunge ane chikwereti chakakwana uye mari yakakwana yekubatsira) anovimbisa kubhadhara chikwereti kana iwe ukakundikana kuita kudaro. Icho chikuru-uye chinokuvadza-nyasha, saka vose vakakwereta uye vashandi vanofanirwa kufungisisa zvakanaka vasati vafambira mberi.
Zvinodhura uye Ngozi dzeMari
Zviri nyore kunzwisisa zvinobhadhara chikwereti: iwe unowana mari, uye iwe unogona kuripa zvakare gare gare. Zvinonyanya kukosha, iwe unowana chero chaunoda kutenga, chakadai seimba, motokari, kana semester kuchikoro. Kuti uwane mufananidzo wakazara, chengetedza zvipingamupinyi zvekukwereta mupfungwa sezvaunosarudza kuti ungakwereta zvakadini (kana kuti kana kwete chikwereti chinonzwisisika zvachose).
Zvipo: Zvichida hazvishamisi kuti iwe uchada kubhadhara chikwereti, asi zvakaoma kunzwisisa kuti chii chichabhadharwa. Kunyanya kana zvikwereti zvisingatangi kwemakore anoverengeka (sekunge kune vamwe vadzidzi vechikwereti), zviri kuedza kufunga kuti iwe uchazviona kana nguva yasvika. Hazvina kunakidza kuita mari yekubhadhara, kunyanya pavanotora chikamu chikuru chemari yako yemwedzi. Kunyange kana iwe ukwereta zvine njere nemari inodhura, zvinhu zvinogona kuchinja. Basa rakagurwa kana kuchinja mumhuri dzemari zvinogona kukusiya iwe uchizvidemba zuva rawakabhadhara.
Mariro: Paunotsiva chikwereti, iwe unotsiva zvose zvawakakwereta - uye iwe unobhadhara. Iko mari yakawedzera inowanzofarirwa , uye nemimwe chikwereti (seimba neyemotokari yemotokari), iyo mari haisi nyore kuona. Kufarira kunogona kubikwa mubhadharo yako ye mwedzi musingaoneki, kana inogona kuva chinhu chekuyera pane yako kadhi yemari yekwereti. Chero nzira, kufarira kunosimudza mari yezvinhu zvose zvaunotenga pachikwereti. Kana iwe uchiverenga kuti zvikwereti zvako zvinoshanda sei (zvinotsanangurwa pamusoro apa), uchaona kuti kufarira kwakadini.
Chikwereti: Zvikwereti zvako zvikwereti zvinotendwa pane zvakaitika kune chikwereti, asi kunogona kuva nezvinhu zvakawanda kwazvo. Kana ukashandisa mari yechikwereti nekuchengetedza, iwe unogona (uye pamwe zvichida) uchiri nekodzero yakanaka yechikwereti. Zvisinei, kana ukwereta zvakawanda, chikwereti chako chichapedzisira chava kutambura. Kunyanya, iwe unowedzera dambudziko rekuregererwa kune zvikwereti, izvo zvichange zvichikuderedza pasi zvikoro zvako.
Kugadzikana: Mari inotenga zvisarudzo, uye kutenga chikwereti kunogona kuvhura mikova iwe. Panguva imwe chete, kana ukakwereta, iwe wakabatwa nechikwereti chinoda kubhadharwa. Mari iyo inogona kukubatanidza mumamiriro ezvinhu kana mararamiro aunoda kuti uende nawo, asi kuchinja haisi chisarudzo kusvikira iwe uchibhadhara chikwereti. Somuenzaniso, kana uchida kutamira kuguta idzva kana kurega kushanda kuitira kuti ugone kupa nguva kumhuri kana bhizinesi, zviri nyore kana usina chikwereti .