Taura zviri nyore, kubhadhara chikwereti nemari kubva kune imwe nzvimbo inobvumira Mariya kuchengeta imba.
Mune dzimwe nyika, kunewo kodzero yepamutemo yekuregererwa, kupa humwe nguva yakatarwa iyo, mushure mekufananidzwa, muridzi anogona kudzikinura pfuma kuburikidza nekubhadhara zvose zvinoda uye mari.
The Mortgage
Paunotenga imba nebhadharo yakaderera panzvimbo yekubhadhara zvakakwana, iwe uchange uri kutora chikwereti, kana kuti chikwereti. Iko kutora chikwereti chinopikirwa neimba. Mune mamwe mazwi, kana iwe usingabhadhari sezvaakabvumirana, uyo anokweretesa anogona kutora iyo pfuma uye kuitengesa kuti adzorere mari yayo. Dzimwe nguva vatengesi vanogona kutorazve kurasikirwa kwavo, asi kazhinji havagone. Mazuva ano, zvikwereti zvakawanda zvinotsigirwa mune chimwe chikamu kana zvakakwana nehurumende kana hupfumi-hurumende masangano akadai seFHA, Federal Housing Administration, Fannie Mae , Freddie Mac , uye USDA zvikwereti zvekumaruwa .
Chibvumirano chehurumende chinobatsira vanhu kuti vawane chikwereti chavasingakwanisi kuwana kunze kwezvimwe zvivimbiso zvakaitirwa kune chikwereti.
Inodzivirira zvakare kuti uyo anokweretesa achawana chikamu kana kuti azere zvakakwana kana uyo anenge akwereta asina kukwana. Vatengesi vanofanira kusangana nezvimwe zvidikaniso zvechibvumirano, zvimwe zvayo ndiyo nzira dzavanokodzera kubhadhara, uye izvo zvavanoda kune anenge akwereta kuti awane chikwereti. Mienzaniso ndiyo yekubhadhara pasi uye zvikwereti zvekwereti zvinoda.
Kana Zvinhu Zvichienda Zvakaipa
Kana munhu akakwereta achipinda mumatambudziko emari uye asingakwanisi kuchengeta mari yekubhadhara chikwereti, uyo anokweretesa, pane imwe nguva, achada kubhadhara zvakakwana kana kuti "kukurumidza" kutora chikwereti. Izvi zvinoreva kuti uyo akwereta anofanira kubata pabhadharo kana kubhadhara mari yacho yose yakazara kuti arege kudzivisa.
Kana uyo anokweretesa achikwanisa kubhadhara chikwereti chakakwana, uyo anenge akwereta anogona kutsvaga imwe mari yekuwana mari uye achibhadhara chikwereti zvachose, pamwe nekufarira uye chirango. Zvechokwadi, kana uyo akwereta ari mumatambudziko emari, hazvigoneki kuti achawana mari yekubatsiridzira kubhadhara chikwereti. Kana uyo akakwereta awana mari, zvakadaro, anogona "kudzikinura" iyo nzvimbo.
Vamwe vanoti kunyange kubvumira vanokwereta kudzoka mushure mekudzivirira kana kutora mutero uye kubhadhara mari muzvikwereti kuti vadzokere kumisha yavo. Nguva yekudzikinura inogona kupedza mwedzi mishomanana kana kusvika kumakore mashomanana pane dzimwe nguva. Izvi ndizvo izvo vashandi vanofanirwa kuziva, kunyanya kana vakanyatsogadzirisa kutenga kana kutora zvinhu. Mune dzimwe nyika apo vatengi vane kodzero yekuregererwa, kune nguva dzose njodzi yokuti vanogona kuuya nemari yekudzorera misha yavo.