Iwe unosarudza, uye Zvingave Zvakanakisisa Kuita Kuderera Kuno
Nzira Yokutenga Nayo Mari Pasina
Hurumende yehurongwa hwemari yako ndiyo nzira yako yakanakisisa.
Apo hurumende yeUnited States inopikira vatengesi kurwisa kurasikirwa, vanowanzobvumirwa kubvumira zvikwereti pasina chekubhadhara. Asi iwe uchiri kudiwa kukwanisa kubhadhara zvikwereti. Kana iwe usingaiti zvikwereti zvikwereti zvingava sarudzo, kana iwe unofanirwa kuita kuti uite chikwereti chiduku pamusha wako.
VA zvikwereti zviripo kuburikidza neUnited States of Veterans Affairs (VA). Vashumiri, veterans, uye vakaroorana vakakodzera vanogona kutenga imba ne zero muzana pasi. Izvo zvikwereti hazvina mari yemwedzi miviri yepa mortgage yeruzhinji, naizvozvo mari yepamwedzi inogona kugara yakaderera (asi pose paunotenga ne zero pasi, iwe unenge uchitenga huchakwirira). Vakawanda vanokweretesa muUnited States vanogona kupa zvikwereti izvi, saka taura nemunhu anotengesa mari kana sangano rezvemari kuti ashandise. Vatengesi vanokunda bhizinesi renyu, saka fanisa zvipo kubva pane zvakasiyana-siyana. Vose vachava nemari yakasiyana yemari uye yekuvhara mari .
USDA zvikwereti zvinotsigirwa neDhipatimendi reMari reUnited States (USDA) uye zvakagadzirirwa kukurudzira musha kumaruwa.
Izvo zvikwereti zvine muganhu wemari, kunyange zvazvo iwe unogona kugara uchiwana kusvika 115 kubva muzana yemhuri yemhuri yeUnited States (kana kushandisa shanduro yenyika yose) kuti uwane chikwereti. Sezvo neV VA zvikwereti, vateresi vanoda kubatanidzwa muchirongwa cheD USDA, asi kune zvakawanda zvekutengesa vatengesi uye mabhenji kusarudza kubva.
Wana mazano kubva kune vakweretesi vakawanda uye kuenzanisa mari usati wasarudza.
Zvimwe Sources
Kana iwe usingakodzeri chikwereti chaVA kana kuti USDA, unogona kukwanisa usina mari pasi pasi uchishandisa mamwe mabhii (kana iwe ungada kutora chikwereti chiduku). Mumakore akapfuura, zvakanga zviri nyore kutenga pasina chekubhadhara. Mushure mematambudziko epamba, hazvisi nyore.
Mari yekubhadhara pasi uye rubatsiro zvinogona kukubatsira iwe kutengesa zvakakwana nezana ye zero pasi kubhadhara. Nenzira, mumwe munhu ari kubhadhara, asi zvingasava iwe. Tsvaga masangano emunharaunda maungakodzera, uye kumbira Dhipatimendi reDhipatimendi reNzvimbo neUugust Development (HUD) chero ipi zvayo inowanikwa. Mamwe mapurogiramu epamberi ekugadzirira kumusha anogonawo kubatsira . Aya mapurogiramu akaoma kuwana uye akaoma kukodzera. Zvisinei, kana iwe uri kukodzera kwakakodzera sangano, unogona kuwana rubatsiro rwaunoda.
80/20 zvikwereti , zvakare zvinonzi piggyback zvikwereti, zvinokubvumira kutenga uchishandisa zvikwereti zviviri. Pamberi pematambudziko emari, urongwa uhwu hwakanga hwakakurumbira urongwa. Mazuva ano, iwe uchada chikwereti chakanaka uye purogiramu yekuwana mari kuti uwane. Kuti ushandise nzira iyi, iwe unogona kuwana chikwereti chekutanga chemazana makumi mapfumbamwe emapfumbamwe ekukosha kweimba (kukupa 80 muzana chikwereti kuti uone kukosha kwechikamu ichocho, izvo zvinoreva kuti haufaniri kubhadhara mari yega mortgage inshuwarisi ).
Izvo 20 kubva muzana inobva kune chikamu chechipiri chekutengesa chaunowana pane imwechete seyokutanga mari yako. Chikwereti chechipiri chichava nechikwereti chikuru, asi vakwereta vanoedza kubhadhara chikwereti ichi nokukurumidza. Tarisa nemabhengi emunharaunda uye zvikwereti zvekwereti kuti uone kana vakapa zvikwereti zve 80/20 uye kuti vaone kuti ndezvipi zvinodiwa.
Vashandi vega vega vanogona kunge vachida kukukwereta 100 muzana yemutengo wekutenga imba. Izvi zvinogona kana kuti zvingasave zvikweretesi zvemhizha. Muzviitiko zvizhinji, zvikwereti izvi zvinobva kumhuri dzemhuri dzinongoda kubatsira (hazvisi mubhizimisi yekukweretesa). Kana iwe uchienda nenzira iyoyo, shandisa chibvumirano chakanyorwa kuitira kuti munhu wose anzwisise (uye akanyora) zvido zvekugadzirira kwako. Tsvaga nemugweta wenharaunda, nyanzvi yezvivakwa, uye mumiririri wekushambadzira usati wasayina chibvumirano, sezvaunoda kutevera mitemo yose inoshanda (uye iwe unogona kukwanisa kubhadhara mutero kana zvimwe zvipo kana ukaisa zvinhu zvakanaka).
Kana iwe uine ruzivo rwakakwana kuti uwane chisarudzo ichocho, chinogona kunge chiri kukunda-kukunda mamiriro, asi munhu wose anoda kuziva zvavari kupinda .
Iyo Inogona Kuva Yakanakisisa Kuita Kuderera Kwepasi
Chikumbiro chekutenga pasina mari pasi chiri pachena: Haudi mari yakawanda, iwe unogona kushandisa mari yako yekugadzirisa zvinhu uye kugadziriswa kwemisha, uye iwe unogona kunge wakatenga nokukurumidza kupfuura gare gare. Asi pane zvipingamupinyi zvakasiyana-siyana zvokukwereta mutengo wose wekutenga.
Kubhadhara kwepamwedzi kwepamwedzi: Kubhadhara chikwereti chako, iyo inowedzera kubhadhara kwako ichava, uye iwe uchabatanidzwa nehomwe iyoyo kubhadhara chikwereti chako. Kuona kuti nhamba idzi dzinoshanda sei, kuverenga kubhadhara kune chero chikwereti chaunenge uchifunga. Edza kushandisa zvikwereti zvakakura uye zviduku (iyo kubhadhara kunoderedza chikamu chemari) kuti uone kuti zvinorevei. Paunenge uine chikwereti chikuru, une zvishoma zvingasarudzwa munguva yemberi. Kwose kukuvadzwa, basa rinochinja, kana zvimwe zvinoshamisa zvinenge zvakaoma kudzivisa.
Nzvimbo yakakwirira inobhadharwa: Kukwereta 100 muzana yemari yeimba ichawedzera mari yakawanda yeimba yako. Iwe unogona kunge usingadi kunyora cheki nhasi, asi iwe uchabhadhara chikwereti chakawanda pane chikwereti chako kupfuura iwe ungadai wakabhadhara nehutano hwakakwana. Chiyamuko ichocho muchibereko chinogona kusvika makumi makumi ezviuru zvemadhora pamusoro pehupenyu hwechikwereti chako. Kuti uone dzimwe dzezviwero izvozvo, tarisa chikwereti chekuita chikwereti chechikwereti kune zvikwereti zvaunofunga.
Pamwe mortgage inshuwarimendi (PMI): Paunokwereta zvinopfuura 80 muzana zvekukosha kweimba yako, iwe uchada kubhadhara PMI, iyo inodzivirira chikwereti chako. Iyo chete inobatsira iwe kubva mubhadharo iyo mukana wekutenga pasina mari pasi (kusanganisira zvinowedzera uye zvinokurukurwa zvinotaurwa pano). Mari iyo inogona kuwedzera zviuru kana kupfuura pane yako yose yeupenyu, uye inowedzera kubhadhara kwako kwemwedzi.
Imba yekurasikirwa kwekumba: Zvakanaka, imba yako ichawana kukosha kupfuura nguva. Asi izvi hazviiti nguva dzose - dzimba dzinorasikirwa nehuwandu, uye iwe unogona kukamanikidzwa kutengesa pakurasikirwa. Kana izvozvo zvikaitika, iwe unogona kukwereta zvakawanda pamusha pane zvakakosha. Kuti ubudise chikwereti chako, uchada kubhadhara chikwereti chako, uye iyo haisi iyo chiitiko chakanaka.
Chaizvoizvo, uri kutora ngozi yakawanda apo iwe unotenga usina mari pasi. Mari yako inoda kugara yakafanana kana kuwedzera, uye musha wako unoda kuwedzera mukukosha zvakakurumidza kupfuura iwe wainetsa mari. Isu tose tinotenda kuti zvinhu izvi zvichaitika, asi vazhinji vasati matatidzirwa zvakashata.