Borrow Money Kuti Ubhadhe Kutenga Kwepasi

Kwatingawana Mari Yokutenga Nyika

Kutenga nyika kunokubvumira kuvaka imba yekurota kwako kana kuchengetedza chikamu chezvakasikwa. Zvisinei, nyika inogona kudhura munzvimbo dzakawanda dzinoda, kuitira kuti iwe unogona kutenga chikwereti kuti uwane mari yako yekutenga. Iwe unogona kufunga kuti nyika ndeyekuchengetedzwa kwakachengeteka (mushure mezvose, "havasi kuwedzerazve"), asi vanokweretesa vanoona zvikwereti zveminda seyengozi, saka nzira yekubvumirwa inogona kuva yakaoma kupfuura yekwereti yemisha yakawanda.

Kuzorodza uye mari yekukwereta kunobva pane rudzi rweimba yauri kutenga:

1. Nyika yaunoda kuvakira munguva inotevera
2. Nyika yakawanda yausingadi kukura

Pamusoro pezvizhinji, zvikwereti zvevhu zvinenge zvidiki zvishoma zvishoma, zvikwereti makore maviri kusvika mashanu kubhadhara kubhaluni kuripo . Zvisinei, nguva yakareba yezvikwereti zviripo (kana iwe unogona kutendeukira kune chikwereti chakareba kwenguva refu), kunyanya kana uri kuvaka imba yekugara pane imwe nzvimbo.

Tenga uye Zvivakire Munhanho Rimwe

Vatengesi vanonyanya kuda kupa chikwereti paunenge uine zvirongwa zvekuvaka pane yako. Kuchengeta miti yakasvibiswa inofungidzira. Kuvaka kunewo ngozi, asi mabhangi anonyatsogadzikana kana iwe uchiwedzera kukosha kweimba (nekuwedzera imba, somuenzaniso).

Zvikwereti zvekuvaka: Unogona kukwanisa kushandisa chikwereti chimwe chete kutenga nyika uye mari yekuvaka . Izvi zvinokubvumira kuti utambure kuburikidza nemabhuku mashomanana uye zvishomanana kuvhara mari. Uyezve, unogona kuchengetedza mari yebasa rose (kusanganisira kugadziriswa kwekuvaka) - iwe haungatambi wakabata pasi apo iwe unotarisira chikwereti.

Zvigadziriro yekuvaka: Kuti uwane mvumo yekukweretesa chikwereti chekuvaka, iwe uchada kupa zvirongwa kune wako chikwereti, uyo achada kuona kuti muvaki ane ruzivo ari kuita basa. Mari ichagoverwa kwenguva, sezvo purojekiti ichifambira mberi, saka makontrakiti enyu achada kutevera kana vakatarisira kubhadhara.

Mari yezvikwereti : Zvikwereti zvekuvaka zvikwereti zvenguva pfupi, zvinowanzoshandisa kubhadhara-kutenga chete uye kubhadhara kudarika gore rimwe chete (zvakakodzera kuti purojekiti inopedzerwa panguva iyoyo). Mushure menguva iyoyo, chikwereti chacho chinogona kuchinjwa kuva chikwereti chemakore makumi matatu nemakore kana chegore rechigumi nemashanu, kana iwe uchagadzirisa chikwereti uchishandisa hurongwa hwako huchangobva kuvakwa sehupfumi .

Kubhadhara kuripo: Kukweretesa nyika uye mari yekuvaka, iwe uchada kubhadhara . Ronga kuti uuye ne10 kusvika ku20 muzana yezvinokosha mune ramangwana reimba.

Yapedza Lots vs. Raw Land

Kana uri kutenga zvakawanda izvo zvatova zvinobatsira uye kugona mumugwagwa, iwe uchava nenguva yakare yakagamuchirwa.

Nyika yakasviba: Nyika yakawanda inogona kugadziriswa mari, asi vatengi vanowedzera kutyisidzira (kunze kwekuti izvi zvinowanikwa munzvimbo yako - somuenzaniso, dzimwe nzvimbo dzinotsigira propane, tsime, uye septic systems). Zvinodhura kuwedzera zvinhu zvakadai semigwagwa yemagetsi uye magetsi kune imwe nzvimbo yako, uye kune mikana yakawanda yezvinhu zvisingatarisirwi uye zvinonoka.

Kubhadhara kuripo: Kana uri kutengesa zvakawanda (muchikamu chinokurudzirwa, somuenzaniso), unogona kuisa pasi zvishoma kana 10 kana 20 muzana. Nokuda kwenyika yakasvibirira, urongwa huri pasi pe30 kubva muzana pasi, uye iwe unogona kuunza 50 muzana patafura kuti ugamuchirwe.

Zvikwereti zvemari : Kupedza mijenya hakusi pangozi kune vanokweretesa, saka ivo vanowanzopa zvikwereti zvisingatauriki zvekuvakira zvinoshandurwa kuti "zvisingaperi" (kana makore makumi matatu) zvikwereti mushure mekugadzirwa kwapera. Nejeri risina kukwana, vateresi vanowanzochengetedza chikwereti chemashoko maduku (makore mashanu kusvika gumi, somuenzaniso).

Kuderedza dambudziko rekukweretesa: Kana uri kutenga nyika yakasvibiswa, iwe hausi kutora chikwereti chakaipa. Iwe unogona kuvandudza mikana yako yekutora chikoro chakanaka kana iwe uchibatsira mutengi achidzivirira ngozi. Zvinogona kuve zvakakosha kuwana nguva yakareba yezvikwereti, kuderera kwechikwereti, uye zviduku zvishoma zvekubhadhara zvinodiwa. Zvinhu zvinobatsira zvinosanganisira:

1. Chikwata chekwereti chepamusoro (pamusoro pe680), kuratidza kuti wakabudirira nekukwereta uye kubhadhara munguva yakapfuura.
2. Chikwereti chiduku kusvika kune mari inowanikwa, inoratidza kuti une mari yakakwana yekuita zvikwereti zvinoda.

1. Chechi chikwereti chiduku, zvichiita kuti zvikwereti zvishoma uye imwe nzvimbo iyo inogona kunge iri nyore kutengesa.

Hapana Zvirongwa Zvokukudziridza

Kana uri kuenda kunotenga nyika pasina zvirongwa zvekuvaka imba kana sangano rebhizimisi panyika, kuwana chikwereti kuchava kwakaoma. Zvisinei, kune dzimwe nzira dzakasiyana-siyana dzokuwana mari.

Mabhenji emunharaunda nemakambani emakwereti: Tanga nekubvunza nemari yezvemari iri pedyo nenyika yauri kuronga kutenga. Kana iwe usati wagara kare munharaunda yacho, vatengi vako vekune imwe nzvimbo (uye vari vatengesi vekutsvaga ) vangave vachizeza kubvuma chikwereti kune nyika isina kubhadhara. Masangano emunharaunda anoziva misika yemunharaunda, uye vanogona kuva nehanya mukufambisa kutengesa munzvimbo yaunotarisa. Kunyange zvazvo masangano emunharaunda angave achida kupa chikwereti, vangave vachitsvaka kusvika ku50 muzana muhutano uye mhemberero dzenguva pfupi.

Musha wehutano: Kana iwe uine mukana wakaenzana mumba mako , unogona kukwereta kune chikwereti ichocho nechipiri chekutenga chikwereti . Nekutaura ikoko, iwe unogona kukwanisa kubhadhara mari yose yenyika uye usapedza kushandisa mamwe marikwereti. Zvisinei, iwe uri kutora ngozi yakawanda uchishandisa imba yako sechisimbiso - kana iwe usingakwanisi kubhadhara chikwereti, wako chikwereti angatora imba yako mukutaridzirwa . Nhau dzakanaka ndeyokuti chido chekuda mari paimba yemari chikwereti chinogona kuva chakaderera pane chiyero pane chikwereti chekutenga pasi.

Vatengesi vezvekutengesa: Kunyanya kana iwe ukashandisa iyo nzvimbo yebhizimisi kana yekushambadzira, vatengesi vevatengesi vangave sarudzo. Kuti uwane chibvumirano, iwe uchada kugutsikana mukuru wezvikwereti kuti iwe uri ngozi inonzwisisika. Kubhadhara kunogona kungopera makore gumi kana kudarika, asi mari inogona kuverengwa kuburikidza nemakore gumi nemashanu kana makumi matatu ekugadzirisa purogiramu . Vatengesi vezvokutengeserana vanogona kunge vachigara zvakanyanya kana zvasvika pakubhadhara. Vanogona kukubvumira kuti uite zvivimbiso zvako pachako nekugara kwako, kana iwe ungakwanisa kushandisa zvimwe zvinhu (kufanana nemari yekutsinhanisa kana zvigadziri) sechikwata.

Muridzi wekubhadhara: Kana iwe usingakwanisi kutenga chikwereti kubva kubhangi kana kubhadhara chikwereti, muridzi weimba iye zvino angave achida kubhadhara kutenga. Kunyanya nevhu rakaoma, vadzidzisi vangaziva kuti zvakaoma kune vatengi kuwana mari kubva kune vatenzi vemazuva, uye vangave vasina kukurumidza kubuda. Mune mamiriro ezvinhu, vatenzi vanowanzowana mari yakakura, asi zvinhu zvose zvinotaurirana. Iro remakore mashanu kana gumi rekubhadhara rinowanikwa, asi mari yacho inogona kuverengwa kuburikidza nekugara kwenguva refu. Kubatsirwa nemuridzi wemari ndeyekuti iwe haungabhadhara mari yakafanana yekuvhara iwe waizobhadhara vatengesi vechikwereti (asi zvichiri kukodzera kubhadhara kutsvakurudza musoro nemiganhu - vatenzi veminda vanovimbika vanogona kukanganisa).

Specialized lenders: Kana iwe wakamirira nguva yakakodzera yekuvaka kana uri kutora chirongwa cheimba yako, iwe unogona kunge uchishandisa nzira dziri pamusoro apa. Asi kana uine zvirongwa zvisina kujairika zvepfuma yako, pangave neine chikwereti chinotarisa pane zvaunoda kushandisa kune iyo nyika. Kusiyana nebhangi (kushanda nevanhu vanovaka dzimba, nokuda kwechikamu chikuru), vakweretesa vakakurudzira vanoita chinangwa chekunzwisisa zvengozi uye zvikomborero zvezvimwe zvikonzero zvekutora ivhu. Vachave vakagadzirira kushanda newe nokuti havafaniri kutora chikamu chimwe chete. Vaya vatengesi vangave vemuzinda kana nyika, saka tsvagai paIndaneti chero chaunenge uchifunga. Semuyenzaniso:

• Kuchengetedzwa kwezvinhu zvakasikwa
• Kunze kwekunze kunze kweimba yega
• Solar or wind farms
• Masero kana kuparadzira shongwe
• Zvekurima kana kushandiswa kwezvipfuwo, kusanganisira ranching, mapurazi ehomwe, mapurazi ekutamba, uye bhiza rebhadha

Mazano kune Vatengi

Ita basa rako rechikoro usati watenga munda. Iwe unogona kuona imba yacho sechinhu chisina chinhu chisina kukwana chakakwana chekugona, asi iwe haudi kupinda mukati memusoro wako.

Kuvhara mari: Kuwedzera pamutengo wekutenga, iwe unogonawo kuva nemari yekuvhara kana ukawana chikwereti. Tsvaga mari yekutanga, kushandiswa kwemari, kubhadhara chikwereti mari, kuongorora mari , nezvimwewo. Tsvaga kuti iwe uchabhadhara zvakadini, uye ita sarudzo yako yokupedzisira nemari iyo nhamba mupfungwa. Kune imwe nzvimbo isingadhuri, mari yekuvhara inogona kuenderana nehuwandu hwemutengo wekutenga.

Tsvaga tsvakurudzo: Usafungidzira kuti ikozvino fence mitsara, zviratidzo, kana "pachena" nzvimbo inonyatsoratidza zvakajeka muganhu weimba. Wana chiremba kuti apedze kuongororwa kwemiganhu uye uone kuti usati watenga. Parizvino pfuma vadzidzisi vangave vasingazivi zvavari, uye ichava dambudziko renyu mushure mekutenga.

Tarisa musoro: Kunyanya kana uri kukwereta zvisina kurongwa (uchishandisa imba yako yekutengesa kana kuti mutengesi mari, somuenzaniso), ita izvo zvikwereti zvemakwereti zvavanoita - tsvakurudzo chekutsvaga. Tsvaga kana kune zvipi kana zvikwereti kana zvimwe zvinhu zvine pfuma usati wapa mari.

Budget kune zvimwe zvinodhura: Kana uchinge uine iyo nyika, unogona kunge uri pachikwereti chezvikwereti zvakare. Dzokororai iyo mari muwedzera kune chero mari yekubhadhara mari yaunenge waita nokuda kwenyika. Zvingangodhura mari dzinosanganisira:

1. Municipal or county county tax (check with your tax adviser to see if you qualify for deduction)
2. Inishuwarenzi munyika isina kubviswa kana zvivako zvisina kusiyiwa
3. Vashandi veimba yeimba (HOA) vanobvumirwa, kana zvichibvira
4. Chero chipi zvacho chekuchengetedza chinodiwa, chakadai sekugadzira mitsara yefence, kuchengetedza mvura, nezvimwewo.
5. Kuvaka mari, kana iwe ukambosarudza kuvaka, kuwedzera mazano, kana kuvandudza kupinda kweimba
6. Mvumo yemvumo, chero ipi zvayo yawakaronga pane imwe nzvimbo

Ziva Mitemo

Paunoona nyika isina munhu, unogona kutora chero chinhu chinogoneka. Zvisinei, mitemo yemunharaunda uye zvigadziro zvemiganhu zvinogadzirisa zvaunogona kuita - kunyange iwe pachake pfuma yako. HoA mitemo inogona kunyanya kuodza mwoyo. Taura nehurumende dzenharaunda, imwe imba yemugovera, uye vavakidzani (kana zvichibvira) usati wabvumirana kutenga.

Kana iwe ukawana chero nyaya nenyaya yaunenge uine ziso rako, bvunza nezvekugadzirisa. Iwe unogona kunge uri kunze kwemahombekombe, kana iwe unogona kuita zvaunoda mushure mekutevera nzira dzakakodzera (nokuzadza mapepa uye kubhadhara mari). Zvichida zviri nyore kana iwe ukakumbira mvumo panzvimbo yekugumbura vavakidzani vako.