Ndingawana Mari Yakawanda Sei?
Sezvo iwe uchigadzirira kutenga imba, unogona kunge uchishamisika kuti ingani imba yaunogona kuwana. Izvi zvakanyatsoenderana nemari yako ikozvino uye chikwereti mamiriro ezvinhu, asi pane mimwe mitemo yaunogona kutevera. Iyi mitemo ine mari yakawanda yekuchengetedza , asi inoderedza mikana yekuti iwe uende mukugadzirisa uye uite kuti zvive nyore kwauri kuti uwane imba yako. Zvinogona kukanganisa zvikuru kuva imba yakashata uye kusakwanisa kuita zvimwe zvinhu zvaunonakidzwa nazvo kuita nokuti mari yako yakawanda inotarisana neimba yako yokubhadhara. Kana iwe usingakwanisi kutenga imba , zviri nani kumirira kusvikira wagadzirira. Iva nechokwadi chokuti hautore danho iri nekuda kwekuti unonzwa uchimanikidzwa kutenga imba .
01 Mazana makumi maviri nemashanu anotonga
02 Shandisa Bhijidhi Yako Usati Watanga Kutenga
Usati watanga kutenga imba itsva, ita basa rebhajheji neimba yokubhadhara. Mukuwedzera kune kubhadhara, iwe uchada kugadzirisa mari yemishonga inshuwarisi, mitero, nekugadzirisa dzimba. Iwe unofanirwa kuisa mari pfupi pamwedzi wega wega kuti ugadzire kugadzirisa uye kugadzirisa kumba. Paunenge uine mibvunzo yepombi, mweya wako unobuda kunze kana chero humwe humwe nyaya uine mhosva yekuuya nemari yekubhadhara. Ichi ndicho chikonzero iwe usingadi kutambanudza iwe pachako zvakasimba pazvinosvika pakubhadhara imba yako. Iwe unofanirwa kusiya mari yakakwana mubhajheji yako kuitira kuti iwe ugone kuvhara zvimwe zvekuita. Zvimwe zvinowedzera mari zvinogona kusanganisira mvura nemarara uye simba rako rinogona kukwira nokuti iwe unopisa uye unotonhora nzvimbo huru. Iwe unogona kudzidzira kurarama pane bhajeti yako itsva kwemwedzi mishomanana usati watenga imba yako. Isa mari yakawedzerwa yaunenge uri kushandisa mumari yekuchengetedza sekutanga kwechikwama chinopera cheimba yako itsva.
03 Ko Kana Ndichitsvaga Imba Yenyu?
Kana iwe pakutanga wakanetseka nezvaunogona kuwana, une zvinhu zvitatu. Chokutanga ndechekuti iwe unoponesa kubhadhara zvakanyanya uye unomirira kutenga kusvikira inoderedza chikwereti chaunofanira kukweretesa kune mari inogamuchirwa. Izvi zvinogona kureva kurega kutenga imba kwemakore mashomanana, asi zvichakubatsira iwe kuti uwane mari yekugadzirira kutenga imba uye kukudzivisa kutenga chinhu chausingawani. Chinhu chechipiri ndechokuti iwe unotenga imba yekutangira kana condo uye urarame kwemakore mashanu mumhando iyi yeimba. Zvinotora makore anenge mashanu kuti urege kupedza kunyange kutenga imba uye nekusagadzikana kwemazuva ano mumusika wemusha, unogona kuona kukosha kweimba yako kuenda kumusoro, kubata zvakasimba kana kunyange kuburuka. Zvakakosha kunyatsotarisa kuti kana iwe usingafari mumusha kwenguva refu. Nzira yechitatu ndeyokutenga imba yakwegura yaunokwanisa kugadzirisa. Kazhinji unogona kuwana yakagadziri yepamusoro nemari shoma, asi unofanirwa kuva wakagadzirira kutarisana nematambudziko uye mamwe mari ekuvandudza.
04 Kuchenjerera uye Zvimwe Zvokufungisisa
Mukuwedzera pakubhadhara kuripo, iwe uchada kuva nemari yakagadzirirwa kunze kwekuvhara mari. Realtor yako anofanira kunge akakwanisa kukuudza chiyero chakafungidzirwa chekuvhara mari, asi inenge madhora 5,000. Uyezve, iwe unofanirwa kuchenjerera kana uchitarisa pamhando yekubhadhara mari yaunosarudza . Iwe unofanirwa kusarudza yakagadziridzwa chiremba mortgage, uye kwete chekugadzirisa mutengo wekutengesa. Iwe unogona kuwana kutenderwa kwekugadziriswa kwemari asati utanga kutenga imba. Kana iwe uchiri kukanganisa, unogona kugara uchiongorora kana iwe uchida kukwereta kana kutenga kune rimwe gore. Iwe unogona kudzokorora zvikonzero izvi kutenga ikozvino kana kumirira kutenga imba asati waita chisarudzo. Izvi zvinogona kupa nguva yakawanda yekuchengetedza imba yako. Iwe unofanirwawo kuronga kuendesa mari. Inobatsirawo kuti uve nechikwata chekukurumidzira munzvimbo iyo kana iwe uine nguva yakaoma yekuita kubhadhara nekuda kwekurasikirwa kwebasa kana zvimwe zvekutsvaga kwemari.