Tsvaga Zvakakodzera
Mupi Anotora Mari Anotora Chii?
Anotanga basa anobata nevakwereta kuti vaongorore zvikwereti uye anobatsira kuvimbisa kuti chikwereti chinobhadharwa kana zvichidiwa.
Kuti vaite kudaro, vanotora chikwereti vanotora mapurogiramu ekukweretesa anowirirana nemamiriro ezvinhu akwereta, uye anotungamirira vanofambisa kuburikidza nekuita. Vanobatsira vatengi kuunganidza ruzivo runodikanwa kuti vavhare chikwereti, chengetedza ruzivo, uye gadzirisa apo chero mibvunzo inouya panguva yekunyora pasi .
Kana iwe uri mumusika wechikwereti-kana iwe uchava mukati memakore anotevera kana maviri-dzidza pamusoro pebasa uye zvigaro zvinowanikwa kwauri. Kutanga kukurukurirana kwekutanga kunokubvumira kuti uwane chikwereti chakanaka, dzivisa zvipfeko, uye uite zvimwe zvekubhadhara mari zvinokubatsira kuti uwane. Kazhinji kune mari yekubhadhara chikwereti , iyo iwewo unofanira kubhadhara.
Vanodzidza Zvaunoda Nezviitiko
Munhu anotora chikwereti akanaka anofanira kubvunza mibvunzo yakawanda. Kuti uwane chikwereti chakanaka uye kukuwana iwe mukana wakanakisisa, ivo vachada kuziva zvakawanda zvingaita.
Basa basa: Mari inotanga mari inodiwa inonzwisiswa yemari yako. Kana uri mushandi W2, zvinhu zviri nyore.
Asi nhoroondo yako yebasa, mari yebhonasi, nezvimwe zvinhu zvinogona kukonzera nyaya. Kune vanhu vanozvishanda kana avo vanoshanda semakoratidzi akazvimiririra, zvakakosha zvikurukurukurukura nezvezvese zvebasa rako-nguva yakareba sei iwe uri mubhizimisi, maitiro ekudharawa kwaunoshandisa, nezvimwe.
Imba yauri kutenga: Zvichienderana nezvamunotenga, zvingasarudzwa nemari yako zvingave zvishoma. Zvakakosha kuti ukurukure zvakadzama pamusoro peimba ipi neipi yaunayo mupfungwa nemutengi wako. Somuenzaniso, condos nemamwe maitiro angave asingakodzeri zvimwe zvikwereti zvezvikwereti-asi mamwe maitiro anogara aripo. Kana iwe usina nzvimbo chaiyo yakasarudzwa, ingotendera chikwereti chako chemutengo kuziva zvauri kutsvaga.
Vanoziva Nheyo Yenyu Yokutora
Iwe unogona kunge uine mapurogiramu akawanda ekubhadhara chikwereti anokwanisa kusarudza kubva, uye unyanzvi wekutanga unyanzvi achabatanidza zvikamu zvose zvepikicha pamwe chete kuti awane chikwereti chaunoda. Zvisarudzo zvako zvinotenderera pa:
- Nhoroondo yako yechikwereti uye mari
- Kukura kwekubhadhara kwaunenge uchida kuita
- Kwaunogara uye rudzi rweimba yauri kutenga
- Zvauri sevas servicemember
- Chikwereti chako chiripo uye mwedzi mumwe nomumwe kubhadhara
Tsanangudzo pros uye nhamo: Anotora chikwereti akanaka anoziva kuti zvikwereti zvipi zvakakokwereta zvakasiyana, uye zvakanakisa zvidzidzo zvinokubatsira kuti unzwisise kuti zvisarudzo zvako zvinoshandisa sei mari yako. Vachapa mhando dzakawanda dzezvikwereti uye kurukura nezvehutano nehupfumi hweumwe neumwe, zvichikubvumira kusarudza chakanaka kwauri.
Muenzaniso wekuenzanisira unobva kuna Lynn Whipple, chikwama chekwereti chemvumo muMontrose, CO.
Sezvaanotsanangura, zvirongwa zvehurumende zvakadai seFHA zvikwereti zvinobvumira kudhura kwepamusoro zvakaderera se3,5 muzana, asi kubhadhara kwakaderera kunoda kuti iwe ubhadhara mwedzi wemwedzi mortgage inshuwalimi yeupenyu hwechikwereti. Pamutengo wemakore makumi matatu nematatu, iyo inishuwarenzi mari inokosha. Mamwe mapurogiramu anowirirana anokubvumira kuti iwe uite chikwereti chakafanana-saka iwe unenge uchiri kubhadhara mari yega mortgage inshuwarisi- asi iwe unogona kubvisa inshuwarisi paunenge uchivaka kukwana kwakakwana mumba mako.
Ipi chisarudzo chakanaka? Izvi zvinoenderana nemamiriro ako ezvinhu uye zvaunofarira. Mushure mekudzidza pamusoro pezvaunoda, munhu anotora chikwereti anogona kupa zvirongwa zvakakwana kuti akubatsire kusarudza nzira ipi yaunofanira kutora. Iwe uchaziva kunyatsobhadhara mari yako yemwedzi, kubhadhara mari, uye mari yehushuga inofanana neyeimba yauri kukwereta.
Panzvimbo yekufungidzira kuti purogiramu ipi yakanakisisa, unogona kuona zvose zviri madhora nemakumi, mwedzi nemwedzi. "Nhamba idzi dzinobatsira," anodaro Whipple.
Nzira Yokuwana Nayo Akatanga Muvambi
Iwe uchava nemari yakanakisisa yekukwereta kana iwe ukashanda nemubatsiri, akavimbika, uye akatendeseka chikwereti. Kuti uwane imwe, bvunza shamwari, mhuri, uye vashandi vanovimbiswa avo vanokurudzira. Vatengesi vepfuma vanogara vane ruzivo nevanobhadhara chikwereti, saka vanoziva kuti ndiani anoita kuti upenyu huve nyore-uye ndiani asingaiti.
Ngwarira kune ani zvake asingabati mibvunzo yako zvakanyanya kana kuti anokurumidza kupikira kuti zvose zvichashanda zvakanaka. Sezvo Whipple anoti, "kushamiswa hakuna kumbova kwakanaka" mukukwereta kwenyika. Zvechokwadi, haudi kutakura uye kubuda kunze kweimba yako iripo kuti uwane kuti kune dambudziko nekubhadhara kwako mari. Vakatangiri vanofanira kufambidzana uye vachikuchengetedzei muchirongwa chekushanda.
Zvakachenjera kutengesa, uye iwe unogona kuwana chikwereti kubva kune zvakasiyana-siyana.
Mabhandi emagariro uye zvikwereti zvezvikwereti zvinowanzopa zvikwereti zvemusha kuburikidza nemapurisa emari yevashandi. Vangave vane chipo chine zvishoma, asi iwe unogona kuwana zvaunoda. Iwe unogonawo kuwana mari yakaderera nemari kana iwe uine mari yakawanda kune iyo masangano.
Mortgage brokers vanotenga pakati pevazhinji vanokweretesa panzvimbo pekubatana nedzimwe nzvimbo. Uye nevatengesi, pangave pane imwe nzvimbo yekukurukura mari. Zvisinei, iyo yekupedzisira chikwereti chisarudzo ichibva kure nemutengesi iwe unoumba ukama naye.
Vanokweretesa vanozvimirira vanouya nenzira dzakasiyana-siyana. Vanogona kubhadhara zvikwereti zvavo uye vanoshandisa matawo emunharaunda uye vanyori vemuzasi, kana kuti vanogona kushanda zvakakwana paIndaneti. Vatengi ava vakawana chikamu mumakore achangopfuura uye vane mukurumbira wekuvhara zvikwereti nokukurumidza, izvo zvinogona kubatsira kana uri pane nguva pfupi.
Terminology uye zvinyorwa zvinogona kuvhiringidza, saka bvunza kuti vangakweretesa sei vanokweretesa. Uyezve, zvinokonzerwa nemunhu anokweretesa kushanda nenzira dzakasiyana-siyana: kupa zvikwereti zvakananga, zvikwereti zvemari, pamwe chete nekukwereta zvikwereti kana kupa rubatsiro rwekubhadhara kubva kumabhangi.