Musha vatengi havawanzobvunza nezvekuenzaniswa kwekutengesa, asi vanofanira. Apo mutengi wemusha anotarisa dzimba, mutengi uyu ari kuenzanisa dzimba dzekutengeswa nedzimwe dzimba dzinotengeswa. Chinhu bedzi mutengi anoziva ndechekuti mutengesi ari pasi mumugwagwa arikumbira chirongwa chepasi chakafanana.
Chii Chinoita Kuti Kuve Nokuda Kuenzaniswa?
Kuenzaniswa kwekutengesa ndiko kutengesa kwemazana emisha yakafanana yakatengesa. Kuenzaniswa kwekutengesa hakusi kushanda mazita kana kurindira kutengesa ; kunyange zvazvo vachigona kuenzaniswa, iyo mitemo haina kutakura kuenzana kwakafanana neimba yakatotengesa. Kuenzaniswa kwekutengesa kunoshandiswa semuenzaniso kuratidza kuti nei mutengi asingadi kubhadhara kupfuura munhu wokupedzisira akabhadhara imba yakafanana.
Heino zvikamu zvikuru zvekutengeswa kwakafanana:
- Nguva ichangopfuura nguva yekutengesa. Makore akawanda akapfuura, vaverengi vanoshandiswa kudzoka kumashure emwedzi 6 mumasangano evanhu kuti vatengese kutengesa. Kubvira muna 2007 sub-prime chikwereti chechikwereti , nguva iyoyo yakasimbiswa zvikuru. Mazuva ano, vaongorori vese vanoshandisa chete mwedzi mitatu yekupedzisira yekutengesa zvakafanana.
- Swedera pedyo. Zvakanaka, mumwe mutsvakurudzi angatarisa nhamba dzezvitengesi mukati meimwe nzvimbo, kazhinji mukati memamita makumi maviri kusvika kumakiromita edzimba. Izvo zviri pedyo nepamusoro. Imba inowanikwa mumigwagwa yakabatikana ingave yakakosha kudarika imba inotarisana negungwa.
- Saizvozvowo square footage. Iwe haugoni kutora mutengo we1000 square-foot-home uye uchitora kaviri kuti uone kukosha kwema 2,000 square-foot-home. Izvi ndezvokuti mari yepamusoro-yepamusoro-gumbo yemisha miduku yakakwirira kudarika imwe-yepamusoro-nhanho dzemakumbo emusha mukuru. Zvakanaka, iwe unoda kuenzanisa dzimba mukati me 10% yemuzinda wako wepaji square footage.
- Zvakafanana nezera uye kuvaka. Iwe uchanzwa vanhu vachiti: Havana kuvaka dzimba sezvavakamboita. Asi hazvirevi kuti misha yekare yakanaka pane dzimba itsva. Maitiro, zvisinei, asi akasiyana nekuda kwehutano uye kukwidza. Denga reatari, somuenzaniso, rinogona kufara hupenyu hwemakore makumi mashanu pamusoro pemakore 25 kusvika kune makumi matatu ehupenyu hwehuwandu hwekushongedza shingle.
- Saizvozvowo mujenya. Mune mamwe mapepa emusha matsva, unogona kuwana kusanganiswa kwemazhinji mashoma. Semuenzaniso, zero-mutsara unoreva kuti imba haina chaizvo yadhi. Rutivi kana ruvanze rinogona kunge ruduku pasina uswa kana miti, izvo zvisingafariri mhuri dzine vana. Nzvimbo dzakawanda dzinoshandisa huwandu hwakawanda hunowanikwa kune chaiyo yepamusoro pezvikwereti zvakagoverwa ma 43,560 makumbo mana. An acre is 43,560 square feet. A quarter ye an acre, kana kuti 10 890 makumbo marefu is .25 yea acre.
- Saizvozvowo mamiriro. Kunze kwekuti iwe uri kushanda nemudzidzi wenharaunda ane ruzivo rwepamusoro nezvemamiriro emhuri zhinji mune imwe nzvimbo, zvinogona kuva zvakaoma kuziva mamiriro ekutengesa kwakafanana. Imba yakabviswa yekutengesa iyo yebhangi, iyo inoshayika midziyo yayo nemhangura yemapuranga, inokosha kudarika imba yekutsva-musha, yakarongedzwa nemidziyo mitsva, kubatanidzwa nekupenda.
Kana iwe uri nyanzvi uye iwe uchifananidza dzimba mune imwe nzvimbo, unogona kutsvaga zvakakosha zvakakoshandiswa kuti uzvishandise zvakafanana nekutengesa.
Nei Kufanira Kutenga Mutengi Nezvokutengesa Kuenzaniswa?
Mutengesi anogona kushandisa kutengesa zvakafanana kuitira kuti iye apiwe mutengo kumutengesi. Zvisinei, pakupedzisira, mutengi achabhadhara mari iyo mutengi anotenda inokosha mutengo. Iwe hauna kumbobvira uchinzwa mutengi achiti, "Ndaifanira kunge ndakabhadhara zvimwe zveimba iyoyo." Vatengi kazhinji vanoda kubhadhara zvishomanana.
Kusiyana naizvozvo, vatengi dzimwe nguva vanonetseka kuti vachabhadhara zvakanyanya imba. Kunyanya pavanenge vachitenga mune imwe nzvimbo yemari misika . Hapana mutengi anoda kuwana musha waanenge achangotenga unokosha kudarika zvayo yakatanga yekutanga.
Kana muchengeti ari kuwana mari, bhangi yebhangi inopinda mumufananidzo. Mabhandiwo anodawo kudzivirira kushandiswa kwavo uye kuchengeteka kwekutsvaga kwavo. Ndicho chikonzero mabhanhire achibhadharira mudzidzi pamutengo wemutengesi kuti aone uye anzwisise kukosha.
Zvisinei, zviongorori maonero ekukosha. Kuongororwa kwakanaka chete sechiitiko uye ruzivo rwemunhu akaigadzirira.
Kana mutengi wemutengesi achiendesa kuongorora kwakaderera , mutengesi ane sarudzo yekuderedza mutengo wekutengesa. Kana mutengesi anoramba, ndiyo apo mutengi angakwikwidza kuongororwa. Vatengi vanogona kukwikwidza kuongorora kuburikidza nekuisa kutengesa kwakafanana.
Kunyange zvazvo zvichikwanisika kugadzirisa kuongororwa kwezvinhu zvinoshamisa apo makomisheni ari mashomanana uye ari kure, zvakanakisa kutengesa kutengesa nguva dzose zvichava neine nzira dzinowirirana zvakanyanya kune iyo yezvinyorwa. Bvunza wako weimba yemugovera kuti agadzirire kutengesa kwakafanana.