Iyi kuverenga yakajeka inokubvumira kuona zvaunogona kupedza pane chikwereti
Iwe unofunga kuti izvi zvinosanganisira kuoma kwakaoma kunosanganisira makore akawanda ekubhadhara mutero, uye zvichida chikoro chepamusoro mune zvehupfumi. Asi chaizvoizvo, kudzidza misha yako-kutenga mitsara kunotora maminetsi mashomanana uye mamwe mashoma nyore.
Mortgage Rule of Thumb
Chinonyanya kukosha icho vanokweretesa vanoshandisa sekutonga kwechigunwe chekuti ungakwereta sei chikwereti chako-kune-purogiramu yako, iyo inosarudza kuti mari yako yakawanda inodiwa sei kubhadhara chikwereti chako, zvakadai sekubhadhara kwako, kadhi rako rechikwereti kubhadharwa, uye yako chikwereti chikwereti.
Vatengesi havakwanisi kudarika 28% yemari yako yakawandisa (kureva,, musati mutero) mwedzi wega wega kuti uende kune yeimba yako mari, kusanganisira kubhadhara chikwereti chako, mitero yemitero, uye inshuwarisi. Kana ukangowedzera mubhadharo pamwedzi kune imwe chikwereti, iyo yose haifaniri kudarika 36% yemari yako yakawanda.
Izvi zvinonzi "kutora chikwereti chechigunwe," kana dzimwe nguva "mutemo we 28/36."
Kana chikwereti chako-kusvika-muhomwe chinodarika miganhu iyi pane imwe imba iwe uri kutarisa kutenga, saka iwe unogona kusakwanisa kuwana chikwereti, kana iwe unogona kubhadhara chikwereti chapamusoro.
Kuverenga Madhora Ako-ku-Kuwana Ratio
Sezvandareva, izvi zviri nyore kuverenga.
Chinhu chokutanga chaunoda kuita ndechekuti mari yako yakawandisa pamwedzi - mari yako isati yabhadhara mitero uye dzimwe mari inoderedzwa. Kana iwe wakaroorana uye uchange uri kubhadhara chikwereti pamwe chete, unofanira kuwedzera pamwe zvose zviripo zvako.
Zvadaro tora uwandu wohuwandisa kutanga ne 0.28, uye ipapo ne 0.36.
Somuenzaniso, kana iwe newawakaroorana naye mune mari yakabatanidzwa mwedzi miviri ye $ 7,000:
$ 7,000 x 0.28 = $ 1,960
$ 7,000 x 0.36 = $ 2,520
Izvi zvinoreva kuti mari yako yokubhadhara mari, mitero uye inshurensi mari yako inogona kudarika $ 1,960 pamwedzi, uye yako yose mwedzi yemari chikwereti haafaniri kunge inopfuura madhora 2,520, kubhadhara chikwereti chinosanganisira.
Zvinosuruvarisa, iwe unofanirwa kuchengetedza mari yako yepamwedzi pasi pemisara miviri iyi. Saka danho rinotevera nderokuona kuti mamwe madhora ako ane sei. Wedzera mwedzi wako wega wega wega kwete yekutengesa chikwereti chikwereti, zvakadai semwedzi wekwereti yemari kana kutengesa motokari.
Nokuda kwemuenzaniso uyu tichafunga kuti chikwereti chako chemwedzi nemwedzi chinouya kusvika ku $ 950. Kushandisa mari yakawanda yekubhadhara chikwereti:
$ 2,520 - $ 950 = $ 1,570
Kubva mumuenzaniso uyu iwe unorema usingaiti chikwereti chikwereti, iwe unongopedzisira kushandisa $ 1,570 pamutengo wemari, mitero uye inshuwarisi yemusha mutsva. Kana, kune rumwe rutivi, iwe waive ne $ 500 chete mune zvisiri zvekubhadhara chikwereti pamwedzi, iwe unogona kushandisa mari yakazara $ 1,960 pamba pako, kubva $ 1,960 + $ 500 = $ 2,460 (kana kuti pasi pemutengo wako wekubhadhara pamwedzi we $ 2,520).
Yeuka, Ichi ndicho Chete Chirevo cheChimbwa
Zvakakosha kuyeuka kuti nekuda kwekuti bhagheni inokweretesa kusvika pamari iyo, haufaniri kubhadhara mari yakawanda.
Izvi zvinongova nhungamiro yaungashandisa kana uchitenga imba, saka iwe unogona kuisa pfungwa pamisha iri mukati mekutengeswa kwemari.
Muzvokwadi, mamiriro ako emari chaiwo acharaira kuti ndeupi rudzi rwekubhadhara uye kubhadhara chikwereti chichava nani kwauri.