Tsanangudzo & Mari Kuponesa Mazano
Zvii Zvakabhadhara Mhosva?
Mhosva yekubhadhara inowanzoverengwa mune imwe yenzira dzinoverengeka.
Percentage yemari yekukwereta: vamwe vanokweretesa vanokupa chikamu chemari yako yakakwereta.
Somuenzaniso, kana iwe unokwereta $ 100,000 uye chirango chiri 2%, iwe unogona kubhadhara $ 2,000 mubhadharo wokubhadhara.
Kuda mari: zvimwe zvikwereti zvinotengesa zvikwereti zvichienderana nemari yakawanda yakakweretesa chikwereti kuti uwane kana iwe wakachengetedza chikwereti kwenguva yose. Kuverenga kunowirirana nekukweretesa, uye kazhinji kunowanikwa kune mwedzi inoverengeka inokosha.
Mari yepamusoro: vamwe vanokweretesa vanozvichengeta zviri nyore. Semuenzaniso, Wells Fargo inokwereta $ 500 kana iwe uchibhadhara imwe nzvimbo yemari yekuenzanisa chikwereti (HELOCs) mukati memakore matatu.
Kuchengetedza Mari
Iwe unogona sei kudzivisa kutora chikwereti chekubhadhara? Kumirira kubhadhara ndiyo mhinduro iri nyore, asi iwe unogona kunge usingadi kubvumira chikwereti chako kumakore makumi emakore.
Zvichienderana nechikwereti chako, unogona kukwanisa kubhadhara chikwereti chemari yako yegore negore usina kutarisana nemitengo. Somuenzaniso, vamwe vateresi vanokubvumira kubhadhara kusvika ku20% yemari yako gore negore usingatori chikwereti chekubhadhara.
Zvikanganiso zvinogonawo kuchinja pane nguva (dzinogona kuderedza kana kunyangarika zvachose mushure memazana emakore), saka iva nechokwadi kuti unoziva kuti chikwereti chako chinoshanda sei usati wafanirwa kubhadhara; inogona kubhadhara kumirira.
Musha Mibairo
Mushure mekunge 2008 mortgage crisis , Dodd-Frank Mutemo mhirizhonga yekubhadhara mari pamitero. Nezvikwereti zvemusha zvakabudiswa mushure meJanuary 10, 2014, vatengesi vanogona kungoisa mvumo yekubhadhara mubhadharo kwemakore matatu ekutanga emari yako (uye chikamu chikuru chiri 2%). Kana uri kukwereta kutenga imba, chengetedza kana kana pane chekubhadhara chikwereti, uye ona kana chikwereti chako chinowira pasi pemitemo iyi - zvikwereti zvakawanda zvinoita.
Vatengesi vanodikanwa kupa vashandi nemashoko akajeka achitsanangura chibharo chekubhadharwa (saka ruzivo urwu runofanira kuva nyore kuwana, asi vamwe vanokweretesa vangave vasina kubatsira kupfuura vamwe).
Mamwe Miripo
Neimwe mhando dzezvikwereti, iwe uchada chaizvo kuverenga zvibvumirano zvako zvakanyatsonaka . Zvikwereti zvekubhadhara zvichiri kuwanikwa pamotokari yemotokari uye zvikwereti zvebhizimisi. Pamusoro pezvikwereti zvemunhu , hazvina zvishoma, asi iwe nguva dzose unoda kuverenga zvinowanikwa.
Nei Vateresi Varipa Mari
Sei tisingakwanisi kurarama munyika isati tambobhadharwa? Sezvaunogona kufungidzira, vateresi havaiti nguva dzose kana iwe uchibhadhara chikwereti kare. Vatengesi vakaronga kuwana mari kubva kune chikwereti chako, uye iwe uri kutora bhora rako uye uchienda kumusha. Somugumisiro, vachatora mari iyo nzira imwe neimwe.
Kunyange zvazvo isiri nguva dzose, zvingava zvine musoro kuti usarudze chikwereti nemhosva yekubhadharwa (kubvuma iwe une chivimbo chokuti iwe hauzobhadhari mangwanani). Kana iwe ukadaro, unoderedza ngozi yaunotora chikwereti chako, uye izvi zvinogona kuvakurudzira kuti vadzivise mari yako mukutora. Zvisinei, izvi zvinongoshanda chete kana iwe uine zvingasarudzwa - kana iwe uchikwanisa kuenzanisa nemitemo yezvikwereti uye uye pasina zvikwereti zvekubhadhara uye unosarudza zvakanakisisa.