Kudiwa Kwatinoita Mari Mizhinji Kunoshanda
Kuti uverenge mubhadharo pane chikwereti chechikwereti chete, kuverenga chikwereti chemari chikwereti chibereko.
Somuenzaniso, kana iwe unokwereta $ 100,000 pa5%, iwe unokwereta $ 5,000 pagore kana $ 416.67 pamwedzi.
- Ita chido chedu chikwereti chekubhadhara chiita mazamu iwe
- Zvadaro, enzanisa kufarira mubhadharo chete kune zvikwereti zvakakwana zvekubhadhara chikwereti
Chido chekubhadhara chikwereti chinopedzisira chichinjira kune zvikwereti zvakakwana zvemari (pamwe nemari yakakwirira) mushure mekuti "chido chete" chinoguma - kazhinji makore mashanu kana gumi.
Mabatsiro Okuda Kuda Mari Chete
Kufarira chete mabheji anoshamwaridzana anonakidza nekuti mwero wako wekubhadhara mwedzi wakaderera. Ndezvipi zvimwe zvikonzero zvakakurumbira (kana miedzo) yekuenda nebhadharo shoma?
Tenga imwe inodhura pfuma: chikwereti chikwereti chete chinokubvumira kutenga musha unodhura kupfuura iwe unogona kukwanisa nehuwandu hwakasarudzwa huwandu hwekutengesa . Vatengesi vanoverenga kuti munogona kubhadhara zvakadini (muchikamu) pamutengo wenyu wemwedzi mumwe nomumwe, muchishandisa chikwereti kuti muwane mari . Nokubhadhara kwakaderera kunoda mari yechikwereti chete, mari yaunogona kukwereta inokura zvakanyanya.
Kana iwe uine chivimbo chokuti iwe uchakwanisa kutenga mari inodhura - pamwe newe unoda uye unogona kutora ngozi yokuti zvinhu hazvingaendi maererano neurongwa - chikwereti chinongoita chikwereti chinoita kuti zviitike.
Kusununguka pesa: mari shoma inokubvumirawo kuti usarudze sei uye kupi kwaunoisa mari yako. Kana iwe uchida, iwe unogona kuisa mari yakawedzerwa kune imwe chikwereti pamwedzi mumwe nomumwe , zvishoma kana zvishoma uchienzanisa mubhadharo we "fully amortizing" .
Kana, iwe unogona kuisa mari mune chimwe chinhu (sebhizimisi kana zvimwe zvinangwa zvemari) - iwe unosarudza kusarudza. Imba yakawanda inokwidziridza zvikwereti inonakidza chete kuitira kuti kuwedzerwa mari yakaenda kune kuvandudzwa.
Chengetedza mari shoma: dzimwe nguva kufarira chete kubhadharwa ndiyo chete mubhadharo waunokwanisa kutenga. Iwe unogona kusarudza pfuma isina mari asi unosvika pfupi pamwedzi wemwedzi. Kufarira chikwereti bedzi kunokupa imwe nzira yekubhadhara renti - asi kune ngozi dzekutora iyi nzira.
Zvakakosha kusiyanisa pakati pezvipo zvechokwadi uye muedzo webhadharo shoma. Chikwereti chete chikwereti chinoshanda chete kana iwe uchizvishandisa zvakanaka - sechikamu cherongwa (uye kwete nzira yekuchengeta mari yako pasi).
Semuenzaniso, iyo inosarudzo yakanaka kana iwe usina mari yakawanda (kana ukawana mabhonasi akasiyana-siyana kana mamishinari panzvimbo pekubhadharwa kwemwedzi pamwedzi, somuenzaniso). Inogona kushanda kuchengeta mitemo yako yepamwedzi yakaderera uye kuita hurukuro yemari yekubhadhara kuti udzikise mukuru wako kana une mari yakawedzerwa. Ichokwadi, iwe unofanirwa kutevera pane chirongwa ichocho.
Iwe unogonawo kugadzirisa purogiramu yako yekugadzirisa purogiramu yako nechikwereti chikwereti chete. Ona Maiti Amamiti Mashandisi Anoita kuti uwane tsanangudzo yekuti kubhadhara mari kunobata sei chikwereti chako.
Mune zviitiko zvakawanda, kubhadhara kwako kwepamusoro kunotungamirira kubhadharo yakaderera inowanikwa mumwedzi inotevera (nokuti chikamu chikuru chauri kubhadhara chikwereti chaderera). Tarisa nekwereti yako, sezvo zvikwereti zvisingakwanisi kugadzirisa kubhadhara (kana kubhadhara hakugadziri kugadziriswa pakarepo ).
Zvinyorwa zveKunakira chete
Kubhadhara kwepamwedzi kwepamwedzi kunouya pamutengo. Saka iwe unoregerei kana iwe uchibhadhara chikwereti pane chikwereti chako?
Hapana kuenzana: hausi kuvaka hutano muimba yako neine chido chekutora chikwereti chete. Iwe unogona kuvaka kuenzana kana iwe ukawedzera mari, asi chikwereti hachikurudziri icho kuburikidza nekugadzira. Iwe uchava nenguva yakaoma uchishandisa zvikwereti zvakaenzana neimba mumunguva yemberi kana iwe ukamboda mari yekuvandudza.
Njodzi iri pasi pemvura: kubhadhara pasi chikwereti chako chikwereti kunobatsira nekuda kwezvikonzero zvakawanda. Mumwe wavo ari kuderedza ngozi yako apo nguva inouya yekutengesa.
Kana imba yako ichinyanya kukosha mushure mekunge utenga, zvinogona kuti iwe unokwereta pane imwe imba kupfuura iwe unogona kutengesa iyo (inozivikanwa seyokuderedza-pasi kana pasi pemvura ). Kana izvozvo zvichiitika, iwe unofanira kunyora cheki chikuru kuti utengese imba yako.
Kuvhara zvisingadzivisiki: iwe uchafanira kubhadhara chikwereti rimwe zuva, uye kufarira chete chikwereti kunoita kuti zuva iroro rive rakaoma - zuva richauya. Tinoda kutenda kuti tichava munzvimbo iri nani mune ramangwana, asi kuchenjera kungotenga zvaunokwanisa kuwana zvakanaka zvino.
Kana iwe uchingobhadhara chikwereti, iwe uchabhadhara zvakakwana mari yakafanana mumakore gumi aunofanira kuita iye zvino-uri kungoshandisa chikwereti pane kubhadhara kana kuvandudza mamiriro ako.
Muenzaniso: funga kuti iwe unotenga imba ye $ 300,000 uye iwe unokwereta 80% (kana $ 240,000). Kana iwe uchiita chikwereti chebhadharo chete, iwe uchabhadhara $ 240,000 pamusha iwoyo (kusvikira nguva inongotora nguva inoguma). Kana imba ichirasikirwa kukosha uye inokwana $ 280,000 chete kana iwe uchiitengesa, haugoni kuwana $ 60,000 yako kubva pakubhadhara kuripo shure. Kana iyo madonzvo ematengo ari pasi pe $ 240,000 paunotengesa, unofanira kubhadhara muhomwe kuti udzosere chikwereti chako uye uwane hutano pamusha wako wabviswa .
Ichokwadi, iwe unofanirwa kubhadhara chikwereti chako nenzira imwe neimwe. Kazhinji, iwe unopedzisira uchitengesa imba kana kuti kubatsiridza chikwereti chekubhadhara chikwereti chinongoita chikwereti chete. Kana iwe ukagumisa kuchengeta chikwereti uye imba, iwe pakupedzisira unotanga kutanga kubhadhara mukuru nemari yekubhadhara mwedzi mumwe nomumwe. Zvakare, uku kutendeuka kunogona kuitika mushure memakore gumi. Chibvumirano chako chechikwereti chichatsanangura kana nguva inongopera inopera uye chii chinotevera.
Chikwereti chete chikwereti hachisi chaicho chakaipa. Asi zvinowanzoshandiswa nekuda kwezvikonzero zvisina kunaka. Kana iwe uine sarudzo yakasimba yekushandiswa kushandiswa kwemari yaungadai uchibhadhara kune mukuru (uye urongwa hwokubvisa chikwereti), saka vanogona kushanda zvakanaka. Kusarudza kufarira chikwereti chete nekuda kwekutenga imba inodhura kune nzira inokuvadza.