Mubvunzo: Chii chinonzi Mortgage?
Muverengi anonyora kuti: "Tiri varoorana vasati taroorana uye tichifunga nezvekwereti chekutenga imba." Zviri pachena kuti isu tiri vaduku zvikuru kuti tikwanise kubhadhara mari, uye isu tine kari kadi kadiki yekuchengetedza, nezviyero zvinochengetedza.Asi amai vangu vanoti zvakakwana kutenga Imba kana tikakwanisa kutenga chikwereti.Ndinogara ndichifunga kuti tinofanira kubhadhara mari yeimba uye kwete kuedza kuwedzera mari yedu.Shure kwezvose, hatina kadhi rechikwereti nokuti hatitendi mune chikwereti. Tenda kana isu tisingakwanisi kuripa mari, saka hatidi iyo asi imba inenge yakasiyana zvakanyanya iwe unogona kufanotsanangurira kuti nei tichida mari yekubhadhara uye chii chiri chikwereti? "
Mhinduro: Hongoro pamusoro pekuchata kwenyu kwechato. Ndinoda kuona madiki vakaroorana vachitanga nehupenyu nekutaura nezvemari. Zvakanyanya kudanana kupfuura chero rwiyo rworudo; Ndiyo mimhanzi inotapira munzeve dzangu. Asi regai nditaure kuti hauna kumbobvira uchiri muduku kuti ubhadhara mari, kunyange iwe ungawana iwe unogona kubhadhara mari yakawanda kudarika kupfuura chibereko chekurumidza pamari. Iwe hausi muduku zvakare kuti uwane chikwereti uye kutenga imba, kana. Nzvimbo yekugara kwenguva refu ndeyekutsvaga kwakanaka uye isu tose tinoda denga pamusoro pemisoro yedu.
Tsanangudzo yeHurumende
Chikwereti chikwangwani chakanyorwa chine mortgagor uye chikwereti. Iko gorosi ndiyo inokwereta, kazhinji, iwe, mutengi wemusha. Munhu anotora chikwereti ndiye anokweretesa, chikamu chinokweretesa mari kune mutengi. Imba yekushandisa inoshandisa dzimba sechikwata chechikwereti. Kana iwe ukaenda kuBhange reAmerica kuti uwane chikwereti, iwe ndiwe unokwereta uye Bhange reAmerica ndiye anokweretesa.
Kana munhu akakwereta, somuenzaniso, anorasikirwa zvikwereti zvishoma, uyo anokweretesa anowana kodzero yekubvisa chikwereti chemari yacho: pamba.
Iyi ndiyo nzira inofanirwa kutaridzirwa . Hurumende imwe neimwe ine mitemo yayo iyo inotsanangura nguva yekufananidzira, uye kuti mutengi anofanira kutarisira nguva yakareba sei asati atora imba kubva kune akakwereta.
Chero bedzi uyo anenge akwereta achibhadhara panguva, kazhinji chikwereti chinotapudzwa chinoderedzwa uye anenge akwereta anowana zvakakwana.
Mukwereti anowedzerawo kuchengeteka kwechikwereti sezvo kuenzana kuchikura. Apo pamba pfuma inowira, kuchengeteka kwekwereti kunowanzopera. Kana kuchengetedzwa kunowira pasi pekubhadhara mari, munhu akakwereta angafanira kutengesa sekutengeswa kwemafupi kuitira kuti abvise chikwereti. Vakawanda vanokweretesa vanotengesa zvikwereti zvavo zvekare mumusika wechipiri, uye ipapo vakwereta vachabhadhara kune mumwe mutero. Vanogona kuita izvi pasina mvumo yekukwereta.
Sei Chirongwa Chiko Chakanaka?
Chiito chisina kujeka chekubhadhara mari yekutengesa imba haitengi kutenga imba nekutora chikwereti chinowedzera ngozi. Vashandi vekumba vanopinda mudambudziko pavanopfuura. Somuenzaniso, kana zvinotora 2 vatapi vemari kuti vabhadhara chikwereti uye mumwe munhu anorasikirwa nebasa, imba yako inogona kuva pangozi. Zvisinei, iwe unogona kutaura chinhu chimwechete pamusoro pokukwereta vs. kutenga imba . Kana iwe usingakwanisi kubhadhara renti, haugoni kubhadhara chikwereti, zvimwe.
A mortgage inosunungura mari uye inokupa mukana. Ikoji yepamusoro inokupa iwe kudzora pane imwe nzvimbo usingabhadhari mari yacho. Kana chikwereti chako chekubhadhara chiri pedyo nemari yaunenge uchizobhadhara mubhadhare, iwe unenge uchiuya mberi. Chikonzero chaunacho chiri nani ndeyekuti iwe uri kubhadhara chikwereti pane chikwereti, uye kuti kutora chikwereti kune mutero deductible.
Kunyanya, kusiyana nekukwereta, kubhadhara pasi chikwereti chinovaka zvakaenzana iwe.
Mhando mbiri Idzimba dzeMuchengeti
Iwe unogona kunzwa izwi rechiito chekuvimba kana zvichida chivimbo chekuita chinoshandiswa zvakasiyana-siyana nezwi rechibhadharo, asi zvakasiyana. Chimbo chekubhadharisa mari chinoshandiswa nebazi guru rebhangi rinowanzova chimwe chezviviri:
- chikwereti
- chikwangwani chekuchengetedza chakachengetedzwa nechiito chekuvimba
Kunyange zvazvo chikwereti chine cheguru uye chikwereti, chikamu chekutendwa chinosanganisira mapoka matatu. Iko mapato ndeye trustor, trustee uye anobatsira. The trustor ndiye anokwereta / mutengi wemusha. Munhu anobatsira ndeye chikwereti, iyo inopa mari yacho. Mutrasti ndewechitatu ane simba rekutengesa.
Vakawanda vanotaura kuti vanoshandisa chikwereti sechombo chekubhadhara vanotevedzera mitemo inoita kuti nguva isati yasvika yakatora nguva yakareba kupfuura iyo inoshandisa chivimbo chekutenda.
Kufungidzira pamusoro penhepfenyuro kunogona kutora gore kana kupfuura. Kufanirwa kwekutenda kunoshandiswa kunoshandisa simba revateresi yekutengesa kunogona kupedziswa mushure memwedzi mina pashure peChinyorwa cheChinyo chakanyorwa.
Kana iwe uine hanya nezvokurasikirwa nekodzero kana kukamanikidzwa kuti uende kunze kweimba yako kana zvichiitika kuitika, iwe ungasarudza nyika iyo inoshandisa zvikwereti pane nzvimbo yekutenda. Zvisinei, kana iwe uine hanya nezvekufananidzira, iwe ungasave uri mukana wakanaka wokutenga imba .
Pakuvhara, regai nditaure kuti iwe kazhinji unoda chikwereti chakasimba kuti uwane chikwereti kutenga imba. Izvi zvinoreva kuti unofanirwa kuva nekadhi kadhi rechikwereti muzita rako. Ndinoziva kuti iwe unofanirwa kubhadhara mari, ndicho chikonzero iwe usina kadhi rechikwereti, asi usina zvikwereti zvekwereti, uzvitende kana kwete, zvinokuita urombo hunokonzerwa nekwereti mumaziso eunokweretesa.
Kunyange zvazvo zvisingakwanisi kuwana chikwereti kunze kwekusimbiswa chikwereti, zvakaoma. Iwe unogona kunge uchibhadhara chikwata chechikwata chapamusoro nekuti hapana chikwereti chinoreva kwete FICO chikamu. Saka, zviitire iwe nyasha uye uwane kadhi rechikwereti. Iwe unogona kubhadhara mari yakazara mu mwedzi woga woga uye usabhadhara mari yemari apo iwe unovaka chikwereti.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.