Chikwereti chikwereti chemari chaunokwereta nechitarisiko chekuripa zvakare kana kamwe chete kana kupfuura kwenguva, kazhinji neine chido. Mari iyo inowanzo yakagadziriswa, se $ 5,000 kana $ 15,000. Nhamba chaiyo yekwereti uye chikwereti chechibereko chinowirirana zvichienderana nemari yako, chikwereti, chikwereti chenhoroondo, nezvimwe zvinhu zvishoma. Kune marudzi akasiyana-siyana akweretwa iwe unogona kukwereta. Kuziva zvikwereti zvako zvingakubatsira kuti uite zvisarudzo zviri nani pamusoro pemhando yemari yaunoda kuti uite zvinangwa zvako.
Mariro Yakazarura-Yakagadzirirwa uye Yakapedzwa
Imari yakasununguka ine zvikwereti iwe unogona kukwereta kudarika. Makadhi emakadhi uye mitsara yechikwereti ndiyo inowanzove yakawanda yemaripo yakazaruka. Zvose izvi zvikwereti zvine chikwereti chemari yechikwereti iyo ndiyo yakawanda yaunogona kukwereta panguva imwechete. Iwe unogona kushandisa zvose kana chikamu chemari yako chikwereti zvichienderana nezvido zvako. Nguva imwe neimwe paunenge uchitenga, chikwereti chako chiripo chinoderera. Paunenge uchibhadhara, kuwedzera kwako kunowedzera kukubvumira kushandisa chikwereti chimwe chete nekudarika chero bedzi iwe uchigara nemashoko.
Zvikwereti zvakavharwa ndeimwe nguva-zvikwereti zvisingakwanisi kubhadharwa zvakare kana vadzorerwa. Paunenge uchibhadhara chikwereti chakavharidzirwa, chikwereti chechikwereti chinoderera. Zvisinei, hauna chikwereti chiripo chaunogona kushandisa pazvikwereti zvakavharwa. Pane kudaro, kana uchida kukwereta mari yakawanda, unofanira kushanda kune imwe chikwereti uye uende kuburikidza nekubvumirwa kwekare zvakare.
Mienzaniso yakawanda yezvikwereti zvakavharwa zvinosanganisira zvikwereti zvinotora chikwereti, auto chikwereti, uye vadzidzi chikwereti.
Mari Yakachengeteka uye isina Kudzivirirwa
Zvikwereti zvakachengetwa zvikwereti zvinotendesa pane zvakasikwa sezvikwereti kune chikwereti. Kana chikwereti chisina kukwana, uyo anokweretesa anogona kutora nhaka yeassetsi uye anoishandisa kuti avhare chikwereti. Nhamba dzezvikwereti zvemari yakachengetedzwa dzinogona kunge dzakaderera kupfuura dzezvikwereti zvisina kuchengetedzwa.
Nhaka yacho inogona kuongororwa kuti ione kukosha kwayo usati waita chikwereti chakachengetedzwa. Iko chikwereti chinogona kukubvumira kukukwererera kune kukosha kwefa. Chikwereti chekodzero ndiyo muenzaniso wechikwereti chakachengetedzwa.
Zvikwereti zvisina kuchengetedzwa hazvitsvaki mari yekuchengetedza. Izvo zvikwereti zvinogona kuva zvakaoma kuwana uye kuva nezvikwereti zvepamusoro . Zvikwereti zvisina kuchengetedzeka zvinovimba chete nezvekwereti chenhoroondo yako uye mari yako kuti iwe ukwanise kukupa chikwereti. Kana iwe usina kukweretesa pane chikwereti chisina kuchengetedzwa, uyo anokweretesa anofanira kupedza zvigadziriswa zvekuunganidza zvinosanganisira vateresi vatengesi uye mhosva yekudzorera chikwereti.
Mikopo inowanikwa
Kana zvasvika kune zvikwereti zvekubhadhara mari, izwi rokuti "chikwereti chairo" rinowanzoshandiswa. Zvikwereti zvikwereti ndezviya zvisingaitikwi nehurumende yehurumende seye Federal Housing Administration (FHA), Rural Housing Service (RHS), kana Veterans Administration (VA). Zvikwereti zvinowanzoridzana zvinogona kuenderana, zvinoreva kuti vanotevera mazano akataurwa naFannie Mae naFreddie Mac . Zvikwereti zvisina kufanana zvinosangana naFannie naFreddie zvakakodzera.
Mari Yokudzivisa
Mimwe mhando dzezvikwereti dzinofanira kudzivirirwa nokuti dzinodya uye dzinoshandisa vatengi. Payday zvikwereti zvikwereti zvenguva pfupi zvakakweretwa uchishandisa chikwereti chako chinotevera sechirango chechikwereti.
Payday zvikwereti hazvizivikanwi nezvegore repamusoro pamadhora (APRs) uye zvinogona kuva zvakaoma kubhadhara. Kana iwe uri mune zvemari, tsvaka dzimwe nzira usati watora chikwereti chemari.
Zvikwereti-zvekubhadhara mari hazvikwereti zvikwereti zvachose. Ichokwadi, ivo vanonyengedza kukunyengedza kuti mubhadhe mari. Zvikwereti-mari yekushandisa zvikwereti zvinoshandisa nzira dzakasiyana-siyana kuita kuti vakweretesi vatume mari yekuwana chikwereti, asi vose vanoda kuti munhu akakwereta abhadhara mari yepamusoro kuti awane chikwereti. Kana imwe nguva iyo inotumirwa (kazhinji inowanikwa), "mutengi" anonyangarika asingatongo kutumira chikwereti.