Mitsara inoshandiswa inoshandiswa nevanhu, mabhizinesi, hurumende, uye mamwe masangano. Nguva ipi neipi kushanduka kwezvinhu kunokosha - kukwanisa kukurumidza kukwereta mari isingazivikanwi kana kuti isingazivikanwi - rudzi rwechikwereti runogona kubatsira.
Nzira dzekwereti dzinoshanda sei?
Chikwereti chekwereti rudzi rwechikwereti, asi chakasiyana nemusha wekutanga nemari yemari. Kana iwe ukazivana nezvikwereti zvemakadhi, iwe unenge watoziva zvinhu zvinokosha zvezvikwereti zvakawanda zvekwereti.
Borrow kana zvichibvira : Kana wabvumirwa, unogona kukwereta pose paunenge uchida, uye haufaniri kutora mari yacho mushure mokunge wagamuchirwa.
Borrow chete sezvamunoda: Mitsara yekwereti ine chikwereti chikuru chekukwereta. Chero bedzi usati wakakwereta zvakanyanya, iwe unogona kuramba uchiwana mari - haufaniri kutora chikamu chakagamuchirwa mune imwe bundu yemari. Tichifunga kuti mutsara wako wemukwere unoramba wakazaruka, unogona kukwereta mari shoma nhasi uye kukwereta mwedzi unotevera kana uchida.
Dhora uye nguva dzekubhadhara: Nezvikwereti zvakawanda zvekwereti, unofanirwa kuita mari shoma mushure mekunge watanga kukwereta. Asi iwe unogona kukwereta uye kubhadharazve kakawanda iwe uri mu "kutora nguva" (iyo inogona kudarika makore gumi kana zvakadaro).
Pakupedzisira, zvimwe zvikwereti zvekwereti (zvakadai semiganhu yekuenzanisa kumusha) zvinoda kuti iwe usiye chikwereti uye udzorere chikwereti chako nehuwandu hwekubhadhara mari inobvisa chikwereti kwemakore akawanda. Marikiti yemakadhi haatori nguva uye nguva yekubhadhara - unogona kukwereta uye kubhadhara nguva dzose.
Mienzaniso yeMari
Kune marudzi akasiyana-siyana ezvikwata zvekwereti.
Marikiti yemakadhi ingangove muenzaniso wakazara. Iwe unotanga nezera re zero uye upedze nekadhi chete apo unoda. Iwe unobhadhara chikwereti pamari yauri kukwereta, uye iwe unogona kugara uchibhadhara chikwereti uchitanga kukwereta zvakare mumwedzi iwoyo.
Musha wezvikwata zvekwereti (HELOCs) vanobvumira vagari vepamba kuti vawane mari vachishandisa kuenzana mumisha yavo . Vatengesi vanowanzopedza chikwereti chaunogona kukwereta kusvika ku80 muzana (kana kuti pasi) chekukosha kweimba yako.
Mabhizimisi emarikiti anopa basa rekuita kumabhizimisi maduku. Nokuti bhizimisi rinoda kuchinja nguva dzose, hazvibatsiri kushanda kune chikwereti chitsva pamwe nekuchinja kwese kwemwaka kana vatsva. Chikwereti chekwereti chinokweretesa kushandiswa kwemashizha.
Mamwe marudzi emakero emakwere aripo. Chero nguva iyo vakwereta vanoda nzira yakajeka yekuwana mari, mabhanhire ari kukwira.
Enzanisa nekusiyanisa
Kusiyanisa chikwereti chekwereti nechikwereti chakaratidzika semari yemari yemari kana chikwereti chemusha. Nezvikwereti izvi, iwe unongokwereta kamwe chete - kana chikwereti ichibvumirwa - uye iwe unowana mari yose iyo yako chikwereti ichibvumira mberi. Hapana chakanaka chekudzoka nemari yakawanda (iwe uchafanirwa kubhadharira chikwereti chitsva, kubhadhara mari yekuvhara , uye kumirira kugamuchirwa).
Marikiti inowanzosvika yakazara nemubhadharo wepamwedzi wepamwedzi unoita kuti uwedzere kubhadhara kwako munguva.
Izvo zviri nyore kana iwe uchiziva kuti mari yacho ichave yakawanda sei, kufarira kwakadini kuripo, uye kana chikwereti ichida kubhadharwa. Asi mitsara yechikwereti inobvumira kubhadharwa nekubhadhara zvakadzokororwa, saka kuisa mari yekubhadhara hakushande zvakare (kusvikira iwe uchipinda nguva yekubhadhara).
Kushandisa Line Line Chikwereti
Mitsara inokwereta inonakidza nokuti inoshanduka. Iwe haufaniri kutora chikwereti chitsva nguva dzose iwe unoda mari. Kana iwe unotarisira kukwereta kakawanda gore rose, chikwereti chekwereti chingava chiri nyore. Izvozvi zvikwereti zvakanakisisa nokuda kwekutengesa-mari-kutonga kana mari isingazivikanwi. Vanogona kunyatsobatana nekutarisa mabhizinesi kuti vadzivise zvinodhura zvekare .
Nzira yekushandisa nayo: Y ou'll anowanzowana bhokiti kana kuti kadhi yekubhadhara inotora kubva mudziva rako rine mari.
Chengetedza kufarira mari: Kuda mari kunotanga kuwedzera kana iwe watanga kutora chikwereti.
Aya mashoko akanaka kana iwe usingashandisi chikwereti chako (kana kana iwe uchibhadhara chikwereti chako nokukurumidza). Ichi ndicho chimwe chinhu chakanaka pane zvikwereti zvikwereti: Unogona kubhadhara chikwereti chako nhasi uye kukwereta zvakare mumwedzi mishomanana kana zvichidiwa.
Shandisa nekuchenjera: Mari dzekubhadhara dzinoshandiswa zvakanakisisa sedare rekuchengetedza kusachengetedza nyaya dzekuyerera kwemari - haisi iyo yakanakisisa yekushandisa zuva rega rega kana kwenguva refu yekukwereta. Iwe unogona kunge uchibhadhara mari yako nguva dzose paunotora pane yako chikwereti mutsara, uye iwe unogona kuwana kuti chido chekudarika chiripamusoro kupfuura iwe waizobhadhara kuitira mari shoma shoma dzakakwana (semuenzaniso wekutengesa mari kana yebhadharo yemotokari uye yakagadzirirwa mwedzi mumwe nomumwe).
Nzira Yokuwana Nheyo Yokubhadhara
Kuti uwane mutsara wechikwereti, iwe unoda kushanda, sokunge iwe waizokumbira kune imwe chikwereti. Vatengesi vachasarudza kana kuti kwete kubvumidza chikumbiro chako (pamwe nekuwanda kwekupikira) zvichienderana nezvinodiwa zvikwereti zvinowanikwa:
- Mari yako yekukwereta (kune vashandi vakawanda, chikoro chako chikoro chinoshandiswa )
- Mari yako inowanikwa yekubhadhara chikwereti
- Chero chipi nechipi chaunotora sechibvumirano
Chibvumirano chinhu chaunoshandisa kuti uwane chikwereti . Kana iwe ukakundikana kubhadhara chikwereti maererano nemashoko ako chikwereti, uyo anokweretesa anogona kutora iyo asset, achiitengesa, uye anoshandisa mari yekutengesa kuti adzorere mari yavo. Hazvisi zvisizvo kushandisa imba yako sechisimbiso kumusha wekodzero yekwereti .
Kukwereta kumusha kunokubvumira kuti ugamuchirwe mitsara mikuru yekwereti pamakwikwi emitengo yakanaka. Zvisinei, kune ngozi yakawanda: Iwe unogona kurasikirwa neimba yako mukugadzirisa kana iwe usingakwanisi kuripa.
Vashandi vebhizimisi vanogona kuwana kuti vateresi vanoda kubhadhara - kunyanya pfuma yavo seimba yaunogara-kuwana mabhizinesi emakwereti. Zviri nani kushandisa mabhizinesi sezvivako, zvigadzirwa, kana motokari, asi mabhizinesi mazhinji haave nemhando yezvinhu. Dzidza zvakawanda pamusoro pekugadzira nekudzivirira mavimbiso ega .
Iwe unogona kukwanisa kushandisa mari semubatanidzwa panzvimbo yekupikira zvinhu zvakadai semusha kana motokari yako. Mari mumabhuku ekuchengetedza uye zvigwaro zvekuisa (CDs) zvinogona kuchengetedza chikwereti kana ukwereta kubva kubhangi rimwe iro rinochengeta mari yako. Iwe ucharamba uchinge uchiwana kufarira kune iyo mazhe uye, zvinokosha zvikuru, usaisa kuisa imba yako pamutsetse. Izvi zvinonyanya kubatsira kana iwe uine chikwereti che zero chikwereti kwenguva yakareba, naizvozvo inoshanda zvakanakisisa kuti uite chikwereti chisingabviri. Kana uri kubhadhara chikwereti pane yako chikwereti mutsara, iwe unenge uchibhadhara kupfuura iwe waunowana pamari.
Zvinogonawo kuwana mitsara isina kuchengeteka yechikwereti (chikwereti hachina kuchengetedzwa kana usingashandisi dhaka). Zvisinei, zvakaoma kuti uwane chibvumirano, uye iwe unokweretesa pamitengo yepamusoro yemari nokuti bhangi iri kutora ngozi yakawanda apo iwe unowana chikwereti chisina kuchengeteka . Zvakare, makadhi emakwereti muenzaniso wakanaka: Vanowanzova nezvikwiriso zvakakwirira, asi haufaniri kutora chikwereti.
Zvinoshamisa kubva kuMuteveri Wako
Zvinosuruvarisa, haungagoni kugara uchivimba nemutsetse wako wechikwereti uripo apo iwe uchida. Mabhangi anowanzochengetedza kodzero yekubvisa chikwereti chako chechikwereti kana kuderedza chikwereti chako chekukwereta panguva ipi zvayo (uye izvo zvichida hazvizoitiki kana zvichiita iwe). Somugumisiro, zvikwereti zvekwereti zvinonetsa: Unoda kuti vavepo "kana zvichiitika," asi iwe unofanirwa kugadzirirwa kuitira kuti bhanhire rako rikwevera ipulagi panguva yakaipa.
Kana uchida kuchengeteka, zvakanakisisa kuti uchengetedze zvirongwa zvekukurumidzira zviripo (mari mumabhangi ebhangi inogara yakagadzikana mune imwe nguva). Mutsara wako wechikwereti unogona kukubatsira kuti urege kuchengetedza mari inokwira pasi kana kadhi rechikwereti chikwereti, asi unofanirwa kuchinja nzira kana wako chikwereti achisarudza kuchinja.
Imwe nyaya ine zvikwereti zvekwereti ndeyekuti inowanzova nehuwandu hwekuda kwehuwandu. Iwe unogona kufunga kuti zvisingakwanisi kushandisa kadhi yemarikiti, asi kufarira iwe unobhadhara pane chikwereti kunogona kuchinja munguva yemberi. Kana zvikwereti zvichikwira nokukurumidza, unogona kuwedzera kuwedzera kwechikwereti mari yekutora , zvichiita kuti urongwa hwako hunoshandiswa hwemari husanyanya kufadza.