Mhemberero yekubhadhara inoitika apo dare rinorayira chikamu chebhadharo chako kuti chidzivirire kugutsa chikwereti chaunokwereta. Vakawanda vane chikwereti havagoni kuwana mvumo yekugadzirisa mubairo wenyu pasina kutanga kutonga mhosva pamusoro penyu uye kukunda mutongo munyaya iyoyo. Zvadaro, kana iwe usina kugutsikana kutongwa kwemhosva, uyo ane chikwereti anogona kukumbira mudare kuti ave nemvumo yekugadzirisa mubayiro wako.
Ndezvipi Zvikwereti Zvako Zvikwereti Zvingawanikwa?
Kana iwe uchangobva kuziviswa kuti mubairo wako uchagadziriswa kana iwe iye zvino une muchero wehomwe, ungashamisika kuti mari yako yakawanda inogona kugadziriswa sei.
Mutemo, chete chikamu chemuzana wemari yako inogona kugadzirwa. Mutengi Mutengo Wechekudzivirira Mutemo ndiyo mutemo weGerald unogadzirisa chikamu chemari yako inogona kugadziriswa.
Nhamba yepamusoro inogona kuchengetwa kubva pamari yako ndeyezasi kweiyo inotevera:
- 25% yemari yako yakawanikwa kana mari yako yakawanikwa yakawanda kupfuura $ 290.
- Chero chiyero chakakura kudarika makumi matatu makumi matatu emadhora emadhora emadhora: $ 217.50.
Kubviswa Kwokubhadharwa Kwemari Kunobatsira Mari Yako Kugadzirirwa Zviyero
Nhamba yemari yako inogona kugadziriswa inobva pazana yezana rako raunowana. Nekugadzirisa mubhadharo kuwanikwa, mari yako inogadziriswa ndeyemari yako yakawandisa kunze kwezvimwe zvikwereti zvinoshandiswa nemutemo zvinosanganisira federal, nyika neyemunharaunda yemitero, inshurensi yekusashanda, kubviswa kwehutano hwevanhu, uye hurumende yekurasikirwa.
Kudzingwa kusingadikanwi nemutemo-kufanana nehutano inshuwarisi uye zvipo zvezvipo - hazvibvumi kubva pamari yako yakawanda kuti uone kuti iwe unowana sei mari.
Izvi zvakabviswa zvinotorwa kubva pamubhadharo wako mushure mekugadzirisa muhomwe uye zvichawedzera kuderedza kuwanda kwekutora kwako kubhadhara kumusha. Kana iwe uri kuve nekugadzirisa mubhadharo wako, dzokerazve kubhadhara kwako kuti uone kana iwe unogona kuchinja chero kuwedzera mari yakawanda kune yako kutora kubhadhara kumba.
Kusiyanisa kuKugadzirirwa Kwemari Murairo
Iyi miganhu haina kushandiswa kune zvishongo zvezvikwereti zvisina kubhadhara mitero, bankruptcy court orders, rubatsiro rwemwana kana kuti mukaroorana, kana kuti mibairo yokuzvidira.
Kune rubatsiro rwemwana uye mukaroorana, kusvika ku50% inogona kugadziriswa kana iwe une imwe mwana kana mudzimai wako kutsigira. Kana zvisina kudaro, unogona kugadzirirwa kusvika 60%. Kana iwe uchifanira kubhadhara mavhiki gumi nemasere ekubhadhara, iwe unogona kugadzirirwa zvimwe zve5% kuti uvhare zvikwereti izvi.
Masangano ehurumende anogona kugadzirisa kusvika 15% uye Dhipatimendi reZvondo inogona kugovera 10%.
Nyika yako inogona kuva nemiganhu yakasiyana yekugadzirisa muhomwe. Mune mamiriro ezvinhu, apo hurumende inobhadhara zvipfeko zvakasiyana neyemiganhu ye federal, iyo inoguma muchekeri wepamusoro inoshandiswa inoshandiswa.
Kana Kugadzirirwa Kwemari Kunounza Matambudziko
Mari yekugadzirisa mari inogona kuve yakakwirira zvikuru zvokuti inokusiya iwe usingakwanisi kuwana mari yekushandisa yekushandisa. Kana iri ichokwadi, iwe unogona kukwanisa kubvunzurudza kubhadharwa kuderedza muchero wehomwe yemari. Kubhadhara ndeimwe imwe nzira yezvikwereti zvezvikwereti zvisina kuchengetedzeka, asi kwete yezvikwereti zvevadzidzi, rubatsiro rwevana, uye mamwe madhora emitero.