Izvozvo zvishoma kubva muna 2011 apo muvhareji weAmerica wakabhadhara $ 1,015. Ongororo iyi, ichangobva kuongororwa muna 2015, inosanganisira mitero uye inshuwarisi sechikamu chekubhadhara kwegore negore. Ivhareji yekubhadhara chikwereti kune mukuru uye nhanho chete yaive $ 853 pamwedzi.
Ivhareji inofananidzirei?
Iko US Census Bureau inoshuma kubhadhara kwemukati, iyo isina kufanana neyakareji.
Nharaunda inogona kutengesa nepamusoro-soro kana yepamusoro, asi mutevedzeri anopa mumiririri wepamusoro wepakati pakati nepakati pehuwandu hwakawanda hweimba yeimba.
Nharaunda dzeZimbabwe: Kutarisa mazana kubva kune imwe nzvimbo yezvinyorwa, 2017 National Profile yeVatengi VekuTenga uye Vatengesi inoratidza mutengo wekutengeserana wemadhora we $ 235,000 uye mubhadharo wepamusoro we 10% wemutengo wekutenga. Uine ruzivo urwu, unogona kuverenga svondo yemari ye $ 211,500. Kushandisa ikozvino mari yekubhadhara chikwereti, iwe unogona kuenzanisa inotevera mavhareji emwedzi mortgage payments:
$ 1,022 pamwedzi pamusana wemakore makumi matatu nemasere akatemerwa chikwereti pa4,10 muzana
$ 1,505 pamwedzi paine makore gumi nemashanu (15) akatsigirwa chikwereti chikwereti pa 3.43 muzana
Vatengi vemhuri yekutanga: Vahedheni vese vanobatanidza varidzi vemunharaunda vose, kusanganisira avo vakagadzira kuenzanisa , vakashanda nenzira yavo kumusoro kwekubhadhara mubhadharo uye vakagadziridza zvikwereti zvikwereti . Vanhu ivavo vanogona kutora zvikwereti zvakakura uye vanobvumirwa nazvo.
Vatengi vekutanga vekumba mumba vanowanzova nezvinhu zvishomanana zvinowanikwa uye vanotenga dzimba dzisina mari. Maererano neNational Association of Realtors, vekutanga-nguva vakatenga dzimba dzinokosha ye $ 182,500 uye vakaita 5 muzana pasi. Zvichipa ruzivo ichocho, zviyero zvekubhadhara zvinogona kuva:
$ 838 pamwedzi pamusana wemakore makumi matatu nemasere akatemerwa chikwereti pa4,10 muzana
$ 1,233 pamwedzi pamusana wemakore gumi nemashanu anokwidziridzwa chikwereti chikwereti pa 3.43 muzana
Zvisinei, inenge imwe muvashanu venguva yekutanga vatengi veimba vakatora chikwereti chekubhadhara zvinopfuura 20 muzana. Kuti kubhadhara kubhadharwa kunobatsira kuburitsa pasi mwedzi wekutengesa zvikwereti zvakanyanya . Achifunga kuti 20% mubhadharo pasi, nhamba dzaizochinja:
$ 708 pamwedzi pamusana wemakore makumi matatu nematatu (4) akatsigirwa chikwereti chikwereti pa4,10 muzana
$ 1,042 pamwedzi paine makore gumi nemashanu (15) akatsigirwa chikwereti chikwereti pa 3.43 muzana
Mari inoyerera kune vatengi vane mubhadharo wakakura huchavandudzika ne $ 130 pamwedzi pamakore makumi matatu emakore ekukwereta uye $ 191 pamwedzi pamakore gumi nemashanu ekubhadhara chikwereti.
Misika yemagariro: Nhamba dzapamusoro dzinotarisa kumatengo emhuri emunharaunda. Mari yako yekubhadhara mari yaunotora pamwedzi inobva pane zvakataurwa pamusika waunotenga. Misha yegungwa uye yeguta inowanzokodhura, uye pakati peAmerica, dzimba dzinodhura zvishoma. Kufananidza kubhadhara kwako kune imwe yenyika yega yega yebhadharo yekubhadhara mari inogona kunge isina kupa ruzivo rwakakosha.
Semuenzaniso, Zillow inoshuvaridza kuti mutengo wemusha wepakati muSan Diego, California ndiyo $ 586,000, iyo inopfuura yakawanda kupfuura inyika yose. Kunyange ne20% mubhadharo wekubhadhara, mutero wemwedzi wega wega wekwereti wemakore makumi matatu nematatu kubva pa1 peresenti yaizova $ 2 265.
Munguva iyi, mutengo wemusha wekumusha muOmaha, Nebraska iri $ 156,600.
Nekubhadhara kwe20 kubva muzana, Omaha vagari vanobhadhara $ 605 chete pamutengo wemakore makumi matatu.
Mortgage Payment Components
Mari yekubhadhara mari pamwedzi inonyanya kuvakirwa pazvinhu zvitatu:
Mari yechikwereti
Inhara yekutambira pachikwereti chako
Izwi , kana nhamba yemakore kusvikira chikwereti ichibhadharwa uchishandisa chikwereti chakarongwa
Nezvo ruzivo, zviri nyore kuverenga kubhadhara kwemwedzi unodiwa kunobhadhara mutungamiri uye chikwereti pane chikwereti . Asi vimba vedzimba vangatofanira kubhadhara mari yakawanda yedzimwe mwedzi isiri yakabatana zvakananga nemukwereti. Semuenzaniso, zvinotevera zvinowanzosanganiswa pakuverenga kwevhareji yekubhadhara mari:
Property tax
Vaimba veimba inshuwarisi
Pamwe mortgage inshuwarisi (PMI)
Credit Matters
Vanokwereta vane zvikwereti zvikwereti zvakanakisisa vanowana zvikwereti zvakanakisisa zvezvikwereti, uye chikwereti chechido ndechimwe chezvinhu zvinokosha mumwedzi wekubhadhara mari yekubhadhara kuverengwa kunogona kutungamirira kubhadhara kuripo.
Izvo zvakanakisa mitengo, yakafanana nemitengo inotaurwa pamusoro apa, inowanzowanika kune vakwereta nezvikoro zveFICO zviri pamusoro apa 760. Vanokwereta vane chikwereti chakaipa, chinowanzosanangurwa sechikwata chiri pasi pe 620 kana 650, vanogona kunge vane nguva yakaoma yekukodzera chikwereti cheimba yepamusoro uye pasi interest rate.
Kune avo vane nhoroondo yakaipa chikwereti, uye vanhu vakararama vasina kushandisa chikwereti, zvichiri kukwanisika kubhadhara. Tsvaga vatengi vanopa mabhuku ekunyora pasi uye vachaita kuti mumwe munhu aongorore "mamwe mazano" emari yako kuti aongorore chikwereti.
Kunopfuura Kubhadharwa Kwemwedzi
Kana uri kuedza kuongorora kuti ungashandisa mari yakawanda sei pamusha, yeuka kuti kune zvakawanda zvekutenga kwako kumba kunopfuura kubhadhara chikwereti.
Mitero uye inshuwarisi inowanzowedzerwa pamubhadharo wako wemwedzi wega woga. Anopa chikwereti chako anounganidza mari kubva kwauri, anoisa mari mukutengesa , uye anokweretesa mari yaunoda iwe.
Vimba Veimba yeHomes (HOA) vanogonawo kuva mari inokosha yemwedzi. Iko mari inobata mabasa akasiyana-siyana munharaunda yako kana chivakwa, uye kubvarura zvikwereti izvi kunogona kutungamirira kune hutano pahupfumi hwako , uye zvingangodaro kufanotaura .
Zvimwe zvinodhaka zvekumba pamba zvinogona kushamisika zvakakwirira. Iwe unogona kusabhadhara mari iyo mwedzi, asi zvinobatsira vamwe vanhu kuti vaite bhadha yemari yekugadzirisa mwedzi pamwedzi kune iyo mari. Iwe unoda kuchengetedza zvinhu zvako, shandura midziyo nguva nenguva, uye nezvimwe.
Vamwe vanhu vanoti bhajeti imwe yezana yemari yako yehupfumi gore negore yekuchengetedza, asi zviri nyore kuenda kumusoro kune izvozvo, kunyanya kune zvekare. Kana uchida kutenga midziyo kana kuvandudza usati waenda, iwe unotarisana nezvimwe zvepamusoro-pesa mari.