Tsanangudzo: Kubhadharwa kwebharuon ndeye apo chikwereti chose chemari chikwereti uye chikweretwa. Zvinowanzoitika kana chikwereti chisati chagadziriswa. Mari yechikwereti iyo pachayo inowanzove yakatarwa nguva yakatarwa, inosanganisira kubhadhara kwemari yaivepo iripo. Chikwereti-chikwereti chete , chinowanzikanwa semashoko akajeka, kazhinji ane bhaibheri rekubhadhara kubhadharo, asi iwe unogona kuwana zvigadziriswa zvekugadzirisa -mortgage mortgage loans pamwe chete.
Kunyange zvazvo zvichibvira kune kambani yekubhadhara mari inosanganisira kubhadhara kubhoti yezvikwereti zvisiri zvemaimba, iyo inowanzoshandiswa yekubhadhara kubhodhi inobatana neimba yekubhadhara mari . Mhando iyi yekubhadhara inowanika kune rumwe rudzi rwechikwereti.
Pandakatanga kutengesa zvivako kumakore ekuma1970, zvaive zvakajairika kuona mutauro wokubhadhara mabhaluni sechikamu chekubhadhara. Kuita imba "penzura" kune munhu anopa mari, zvinoreva kugovera mari kana kuti nzvimbo yakakanganiswa, zvakanga zvisina kujairika kutora musoro zvichienderana nemari yaivepo uye kupa mutengesi chikamu chechipiri chekutengesa pasina mari. Izvi zvaizivikanwa semutsara wakarurama.
Chero bedzi chechipiri chikwereti chakanga chiri chiduku, zvichida pasi pe10% yemutengo wekutenga, kusina kubhadhara mari yechikwereti yaiva imwe nzira yekuita mari yekuyerera. Mumwe mutengesi anogona kugamuchira mari yakajeka inoyerera nenzira ino nokuti kubhadhara mari yekubhadhara mari, pamwe nemishuwarenzi nemitero, zvaive zvakaderera zvakakwana zvokuti mubhadhari aigona kuona rudzi rwekudzoka kubva kubhadhara rebhadharo mushure mekubhadhara mari.
Iyi tsika yaifungidzira kuti imba yacho yaizoonga pamusoro pemutambo wechipiri wechibhadharo, iyo yaive yakawanda makore matatu. Makore ekuma1970 aiva nguva yekuonga kwakakwirira pamusoro pemari yepamusoro. Chikonzero icho izvi zvakashanda zvakajeka ndechokuti 90% yehupfumi hwemaimba yakanga ichionga, asi 10% chete yehuwandu yaive yakasvibiswa.
Saka musha we $ 100 000, mukuita, unogona kukosha $ 133,100 pa 10% kuonga mushure memakore matatu, izvo zvaive zvakakwana zvakakwana kubhadhara $ 10,000 zvinyorwa zvinyorwa pa 10% inowanikwa, kunyange kuwedzerwa kufarira.
Izvo zvinokonzera njodzi ndizvo zvinoitika kana pasina kukoshesa kana, zvakanyanya, misika inowira? Ndizvo zvakaita vamwe varidzi vekumba muna 2007 vakapinda mumvura inopisa nekuda kwekutarisana ne subprime mortgage lenders. Chimwe chezvinhu zvakakurumbira zvekubhadhara mari ndiyo yaive yakasarudzika ARM mari yekugadzirisa mari, iyo ine mukana wokubhadhara-kungoita chete, pamwe nebharoon kubhadhara.
Muridzi weimba mumakore iwayo angatenga imba isina mari-pasi, tora chikwereti che 80 combo , uye zvose zvikwereti zvinogona kubhadhara uye zvichibhadhara nebharoon kubhadhara pamagumo emakore mashanu kana manomwe. Mukuderera kwemisika, zvakaita kuti zvibvirire kutengesa imba uye kubhadhara zvikwereti pasina kutengesa kutengeswa pfupi . Imwe nzira, zvechokwadi, iyo vanhu vazhinji vakabata kwaiva yekufamba kubva kumba.
Hapana chimwe chezvinhu izvi chakanga chiri zvinhu izvo vakwereta vaifunga nezvezvavakatenga imba. Vakatenda kuti hupfumi hwekumba huchagara huchikwira, hunokosha huchazombowa. Ipapo vakaguma vaine chikwereti kupfuura iyo imba yaive yakakosha uye vakanga vasingakwanisi kugadzirisa chikoro chekubhadhara chikoro.
Chero bedzi vanokwereta vanonzwisisa njodzi uye vachida kupa rubatsiro kubhodhi kubhadhara kunze kwehomwe, pasina kuisa tariro mukati mekutenda, chikwereti chebhadharo chekubhadhara chinogona kuva mhinduro. Semuenzaniso, kana uri kuwana nhaka inotora nguva yekushanda kuburikidza nekuongorora.
Mienzaniso: Chikwereti cha $ 100 000 chinogona kubhadharwa kwemakore makumi matatu, asi chikwereti uye chinowanikwa mumakore mashanu. Izvi zvinoreva kuti mutengi achabhadhara zvikwereti , zvichienderana neurongwa hwekubhadhara kwemakore makumi matatu, asi chikwereti chemari chikwereti chichave chakakonzerwa nemakore mashanu pane makumi matatu, zvichiita kuti mubhadharo webharoon .
Nemhaka yokuti chikamu chakanyanya chekubhadhara kukuru uye kubhadharwa mumakore okutanga emari yechikwereti yakagadziriswa chikwereti, kubhadhara kwemakore mashanu kumabhaloni kuchave pedyo nekwakatanga kubhadhara kusingabhadharwi. Kana zvikwereti bedzi zvinokweretwa zvibhadharwa, chikwereti chepakutanga chisina kubhadharwa chichava chiyero chekupedzisira pamagumo emutengo wechikwereti .
Uyewo Anozivikanwa Se: chikwereti chemari
Kazhinji Misspellings: kubhadhara bhaonon, kubhadhara kwebhora
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.