Mazano ekuvaka Equity Anogona Kuwedzera Nhamba Yako Inokosha
Heino muenzaniso wakaoma kunzwisisa: Iko mari yakakosha yemari yeimba yako iri $ 200,000 uye iwe unokwereta $ 150,000 pane chikwereti.
Kuita kwako kwakakwana $ 50,000.
Tsanangudzo yeNet Equity
Net equity yakasiyana nezvakawanda zvakaenzana. Nhamba yekutengesa ndeyekuenzanisa zvakaderera zvishoma kudhura kwekutengesa imba. Izvi zvinogona kuisa mutemo we realtor, mari dzisina kubhadhara mitero, uye zvinhu mumari yekuvhara yausina kuendesa kumutengesi weimba.
Semuenzaniso: Musha wako unotengesa $ 200,000 uye chikwereti chako pamusha chaive $ 150,000. Kuita kwako kwakakwana $ 50,000. Zvisinei, iwe unogona kubhadhara mutengo we $ 12,000 kune Realtor yako. Zvimwe zvipfeko zvekuvhara zvakadai sekubhadhara mari, zvinyorwa zvemhosva uye kubhadhara mitero, nezvimwewo, zvinogona kuwedzera imwe $ 3,000 mumatengesi ekubhadhara. Muchengetedzo wako wekutevedza ndeye $ 35,000. Nhamba yekutengesa ndiyo mari yaunogona kuisa pfuti pakuguma kwekutengesa.
Imba Equity Inovakwa Sei?
Varidzi vepamba vanogona kuvaka imba yakakwana nenzira dzakasiyana-siyana:
- Kubhadhara kuripo: Mari yaunopinza mumusha inoderedza kutanga kwekutengesa. Semuenzaniso, chikamu che20 kubva mubhadharo paimba inokosha ye $ 100,000 i $ 20,000. Iwe unotanga nehutengo we $ 20,000 uye usakosha kudiwa kubhadhara mortgage inshuwarisi . Mari yako yaizova yekusara $ 80,000 kutanga.
- Mari yekubhadhara mari: Nemari yekubhadhara mari imwe neimwe, iwe unovaka kuenzana nekubhadhara kune mukuru, uye uchibhadhara chikwereti kune chikwereti uye chero inshuwarisi uye mutero wemitero iwe unowedzera muhuwandu. Unyoro hwako hunowedzera apo iwe unotora chikwereti chekubhadhara .
Kubhadharwa kwakanyanya pane chikwereti chekutora chikwereti: Unogona kubhadhara mari yakawanda pamutero wako wokushandisa kune mukuru. Izvi zvinowedzera kuenzana kwako.
Kugadziriswa Kwemusha: Kana iwe ukaita kuti zvinhu zvivandudzike kumba zvinosimudza mararamiro akanaka pamusha wako, izvi zvinowedzera kuenzana kwako. Semuenzaniso, unoshandisa $ 50,000 pamakodhi ekicheni anowedzera kukosha kwemusika ne $ 30,000. Iye zvino wave wakasimudza kuenzana kwako ne $ 30,000, uchifunga kuti iwe hauna kutora chikwereti chekodzero yeimba kuti ubhadharire. Iyi inofanirwa kuwedzera muhutano. Iwe uchaziva chete kuti yakawedzera sei kukosha kwemusha wako kana wazvitengesa.
Mutengo unokoshesa kukoshesa: Iko mari yakakosha yemari yeimba yako inogona kusimuka nekuti dzimba dzakafanana munharaunda yako dziri kutengesa mari yakawanda. A chikwereti chinogona kunge chichida kugadzirisa chikwereti chako pamutengo wepamusoro. Somuenzaniso, wakatenga imba yako ye $ 100,000 ne 20% mubhadharo pasi. Mumakore maviri apfuura, misha yakafanana iri kutengesa madhora 120 000. Kuenzanisa kwako mumusha kwakawedzera ne $ 20,000 nekuda kwekukura uku. Izvi zvinorevawo. Iwe unofanira kutengesa imba yacho kuti uone izvi zvakaenzana.
Ko Equity Equity inoderedzwa sei?
Iwe unogonawo kuwona imba yako yakakwana yakawa. Hatidi kutarisa kumashure zvikuru kuti tione kuti izvi zvinogona kuitika sei, kutora makore a2006 kusvika muna 2011 munenge chero ipi zvayo yemisika yemashamba munyika, uye maitiro akawira. Kana dzimba dzichiwa, hutano hunowira pamwe chete nayo.
Hewa nzira shomanana dzaunogona kuderedza kuenzana kwako:
- Wedzerai zvikwereti zvikuru pamusha : Kana iwe uchigadzirisa chikwereti chako , tora chikwereti chechipiri kana chikwereti chekuwana chikwereti, unogona kuderedza kuenzana kwako.
- Kurara mumusika kukosha : Kana dzimba dziri kutengesa zvishoma munzvimbo yako, kuenzana kwako kunowirawo. Izvi ndizvo zvinoitika kana iwe uri pasi pemvura paunotora mari yako . Somuenzaniso, iwe wakatenga imba ye $ 200,000 ne 20% muhutano, inokwana $ 40,000. Asi misika yematengoro yakawira, uye zvino misha yakafanana iri kutengesa madhora 150 000. Kuita kwako kwakaderera ne $ 50,000, uye iwe hauna kana kuenzana mumba mako. Kana iwe wakatengesa $ 150,000, iwe unofanirwa kubhadhara chikwereti chikwereti $ 10,000 kuti uite mutsauko.
- Imba yako inopisa , uye iwe hauna inishuwarenzi yakawanda yekubhadhara kurasikirwa kwako.
- Kugadziriswa kusarudzwa. Kana iwe usingarambi uchigadzirisa imba yako nezvinhu zvinowedzera kana kumira kushanda zvakajeka, mari yekurapa ichadya muhutano hwako.
Chinokosha ndechokuti iwe chete unoziva kuenzana mumba mako pamagumo ekutengeswa. Kusvikira ipapo, iyo yose inofungidzira. Kana iwe uchikwanisa kutaurirana nekutengesa zviri nani kubva kune mutengi, iwe uchawedzera hutano iwe huchabhadhara kunze. Kusiyana naizvozvo, kana iwe usingabhadhara mari yekugadzirisa sezvaunokumbirwa nemutengesi kana kupa mutengi chikwereti chekuvhara mari, kuenzana kwako kuchakwira.