Nhengo dzeMhuri Dzinogona Kuita Imba Here?
Chii Chinoitika Kumatokari Pakufa?
Rufu rwewakwereta hunochinja zvinhu, asi zvichida kwete zvakanyanya sezvaunofunga. Mari yechikwereti ichiripo uye inoda kubhadharwa, sezvinongoita imwe chikwereti. Asi matanda akareba ane chikwereti chemhuri, sezvo nhengo dzemhuri dzinogona kugara mumba kana kuti dzine zvido zvepfungwa nazvo. Vakapukunyuka vanogona kutora chikwereti nenzira dzakawanda, uye vamwe vachava vanofadza kupfuura vamwe.
Ramba uchibhadhara: Zvakakosha kuita urongwa hwekubhadhara kwako pamwedzi kana uchifa. Kuita izvozvo kunodzivirira mukwereti kubva kushandisa mari yekuripira uye kutanga kushandiswa kwekutengesa . Mudzimai anoramba aripo, muurayi wako, kana ani zvake mumwe munhu anogona kubhadhara paunenge uchigadzirisa nzvimbo (kana kuti mabhiriro ebhadharo anogona kuita basa ). Ichokwadi, iyo inofunga kuti iyo mari iripo.
Vakaroorana: Kune vakawanda vakaroora, nzira yacho yakananga. Kana vaviri vakaroorana vaine imba uye vakashandisa chikwereti pamwe chete, mudzimai anoramba aripo anowanzoita zvinhu zvose (pfuma yeimba uye mutoro wechikwereti).
Kupfuura imba kune hama: Nzvimbo yako inobhadhara kubhadhara chikwereti , asi imba yakasiyana. Pasi pemutemo wehurumende, vateresi vanofanira kubvumira nhengo dzemhuri kutora chikwereti pavanogara nhaka yeimba. Izvi zvinodzivirira vanokwereta kuti varege kubhadhara chikwereti pasi pekuda-on-sale clause, iyo inogona kukonzerwa apo umiridzi uchitumira kune vagari venhaka yako.
CFPB inotaura kuti vagari venhaka havadi kuratidza kuti vane "kukwanisa kubhadhara" chikwereti vasati vatora chikwereti.
Co-signers: Kana chero munhu akabatanidza kubhadhara chikwereti chemusha , munhu uyu angave ane mhosva yekubhadhara chikwereti-angave kana kuti havagari mumba kana kuti ane unhu hwekuita. Kwete-mumiriri wevashandi vekuparidzira vangangodaro vari pangozi kana iwe ukafa nekodzero yakawanda yekutora chikwereti.
Kudzokorora uye kugadzirisa: Vagari venhaka havakwanisi kuchengetedza chikwereti panzvimbo mushure mokufa kwenyu. Vanokwanisa kugadzirisa chikwereti kana kune chikwereti chiri nani chiripo, kana kuti vanogona kungobhadhara chikwereti zvachose. Kana uine zvinhu zvinokosha muimba yako paunenge wafa, kuva nemutongi wako achibhadhara chikwereti anopa vagari venhaka kutora imba yacho pasina-uye pachena.
Kutengesa Imba
Mune zvimwe zviitiko, vagari venhaka vangasazokwanisa kutora chikwereti. Vangave vasingakwanisi kutenga mari kana kuti havadi imba, kutengesa imba nguva dzose inosarudzwa.
Kururamisira kwakanaka: Kana imba ichikosha kupfuura iwe unokweretesa pamusoro payo , musiyano unoenda kune vagari venhaka yako. Muurayi wako anogona kutengesa imba yacho uye anoshandisa mari yekubhadhara zvimwe zvikwereti kana kugovera nhaka kune vagari venhaka. Zvimwe, kana munhu mugari wenhaka achitora chikwereti uye muridzi wemba, munhu iyeyo anogona kukwanisa kuisa mutsauko.
Kana iwe uri pasi pemvura: Kana iwe unokwereta kupfuura imba inokosha-uye hakuna munhu anoda kutora mari-iwe murairi anogona kukwanisa kutengesa kushambadzira pfupi nemukweretesi wako. Kana zvimwe zvose zvisingakwanisi, uyo anokweretesa anokwanisa kungotarisa mberi, asi zvingava zvakanakisisa kusiya "kufamba kure" sechisarudzo chekupedzisira.
Kudzorera zvikwereti zvekare: Kuchinja mari yakasiyana-siyana kwakasiyana nokuti haugadziri pamwedzi . Izvo zvikwereti zvinofanira kubhadharwa mushure mekunge munhu akakwenga chikwereti (kana akakodzera wawakaroorana naye) afa kana kuti akabuda kunze, asi nhengo dzemhuri uye vavakidzani vanogona kuchengetedza imba yekubhadhara chikwereti.
Nzira Yokugadzirira Sei Rufu
Zvimwe zvekugadzirirwa kwemaimba zvichaita kuti zvinhu zvive nyore kune vose. Taura newe gweta remunharaunda, tsanangura zvaunotarisira kuita, uye bvunza kuti zvakanakisisa sei zvichiita kuti zviitike-nokukurumidza, zviri nani. Izvo zvinoda kuita zvinyengeri, kana iwe unogona kushandisa dzimwe nzira.
Unoda inshuwarisi here? Mari haitengi mufaro, asi inogona kugadzirisa matambudziko mazhinji. Inishuwarenzi yehupenyu inopa mari yekukurumidza mujeri kuti ubhadhara chikwereti chako chemusha kana kuchengetedza nemari yekubhadhara pamwedzi. Iko mari inogona kupa munhu wose zvingasarudzwa, kusanganisira mudzimai anoramba aripo angave kana angave asingadi kuchengeta imba. Kunyanya, kana mubati wekubatsira akakubatsira kuti uwane chibvumirano, unogona kuvabvisa kubva pachigoni.
Unhu hupi: Nekubatsirwa kwevashandi vanogadzirisa, chengetedza kuti kana kuti hazvina musoro here kubata nzvimbo yako yekutengesa mu trust kana sangano rebhizimisi rakafanana ne LLC. Kuwedzera mamwe maimba kumusoro kunogonawo kuva sarudzo. Chinhu chero chipi zvacho chinoita kuti musha wako urege kuongororwa chinogona kubatsira kuderedza mari uye kugadzirisa kuchinja kune vagari venhaka. Zvisinei, izvozvo zvinogona kuve nemigumisiro yemitemo uye yemitero-saka bvunzai gweta renzvimbo uye CPA musati matora matanho.
Chengetedza mvura yemari: Kunyanya kana nhengo dzemhuri yako dzichaomerwa kubhadhara mushure mokufa kwako, ita kuti mari iwanikwe kwavari. Vachada kubhadhara chikwereti, kuchengetedza imba, uye kugara ikozvino pamitero. Izvi zvinovabatsira kuderedza kushungurudzika uye mapepa, uye vanogona kutengesa imba yemutengo wakakwana kana ndizvo zvinoda kuitika.
Taura pamusoro pazvo: Kurukura nezvezvinangwa zvako nemunhu chero upi zvake achabatwa nehupenyu hwako. Hazvina kufadza, uye zvakaoma kune vamwe kune vamwe, asi kukurukurirana kunogona kufamba nenzira yakareba yekudzivirira kushungurudzika kana kusingagoni kuitika. Tsvaga kana vadikanwa vanoda kuchengetedza imba, kana kuti vangada kuenderera mberi. Kana uine vagari venhaka vazhinji, tsanangura kuti ndiani anowana chii-uye pasi pemamiriro api. Somuenzaniso, kana munhu mumwe chete akawana imba, imba yacho ichabhadhara chikwereti, kana kuti munhu wacho anogamuchira chikwereti chemusha pamwechete neimba yacho here?