Zvaunofanira Kuita Kana Ukazviwana Uri muHuman Financial Trouble Neimba Yako
Handisi kureva kukandira mvura inotonhorera pamutambo wenyu, asi ndinoda kutumira tsamba yekuchenjerera.
Ichokwadi ndechekuti mamiriyoni edzimba dzeimba akavhara mukutaridzirwa . Vakawanda vevanhu ava vakambonzwa sevanofara uye vane tariro pamusoro pekutenga kwavo sezvamunoita.
Mushure mezvose, kana iwe uchitenga imba, pfungwa yokuti imba iyo rimwe zuva inogona kuzviisa pasi pekufananidzira ndiyo zvimwe chinhu chokupedzisira mupfungwa dzako.
Ungadzivisa sei dambudziko iri? Verenga pamusoro.
Nei Varidzi Vemhuri Vanorasikirwa Nemisha Yadzo?
Mhuri dzakawanda dzinopinda mukutsvaga mushure mekunge muridzi wacho asina kukwana - kana kumira kubhadhara zvizere - pamutengo wavo wekutora chikwereti. Izvi zvinoitika sei?
Dzimwe nguva, izvi zvinowanzoitika nokuti muridzi anowedzera, achitenga musha kupfuura zvaangagona kuwana. Saizvozvowo, uyo akwereta akapawo chikwereti kumutengesi asina kukodzera; mumwe munhu aisafanirwa kupiwa chikwereti chemusha chechiyero ichocho. (Pamberi pematambudziko, vakawanda vakakwereta havana kuongorora mari yomunhu asati apa chikwereti. Hazvishamisi kuti vazhinji vaiti vembhodha vakaita sevakawana mari yakawanda kudarika zvavakaita.)
Dzimwe nguva, muridzi wacho anofa pashure pokunge atova nezviitiko zvezviitiko zvoupenyu zvisingatarisirwi, zvakadai sokurasikirwa nebasa kana kutarisana nemitemo mikuru yezvechiremba, iyo inokanganisa kukwanisa kwavo kuita mari yavo yepamwedzi yekubhadhara mari.
Mune zvimwe zviitiko, muridzi wacho akatora chikwereti chechipiri uye akashandisa mari pane zvikwereti (panzvimbo pekuwana mari-kuunza zvinhu), izvo zvakaderedza mari yavo yose yakakosha uye yakakuvadza kukwanisa kwavo kubhadhara pamutsamba wechipiri.
Mune zvimwe zviitiko, muridzi wacho anobvuma kugadzirisa-kutora chikwereti , achifunga kuti vachakwanise kusangana nemitemo yekubhadhara kana mukana wacho uchikwira.
(Mutemo weBurumende unoda mutengi kuti abudise huwandu huwandu hwekutora iyo muridzi wayo angabhadhara pasi pemashoko ekugadziriswa kwavo-kutengesa mari yekubhadhara mari.) Muridzi anofarira zvinyorwa zvitsva zvekuda kwekanguva, asi kana zvikwereti izvozvo zvichikwira, muridzi wacho anoona kuti kusangana nezvikwereti izvozvo zvakaoma kudarika zvavaitarisira, uye inowira mumishure.
Uye muzviitiko zvizhinji, muridzi wemba unoziva kuti iye "ari pasi pemvura" pane yavo yekubhadhara (chirevo chatichakurukura pasi apa) uye anogumisa kuti kufamba kure ndicho chisarudzo chakanaka.
Sezvaunogona kuona, kune zvikonzero zvakawanda nei vaenzi vachiwa shure pamitero yavo.
Ungazvidzivirira Sei?
Hapana anoda kufungisisa nezvekuita kwekutarisana nekutarisana. Asi isu tinofanira kutarisisa zvakanyanya pane ngozi pane izvo zvingatitungamirira kune kutyisidzira kwekufananidzira kana tichida kukudziridza nzira yakasimba, inotarisirwa kumari yedu pachedu.
Mukuwedzera, tinofanirwawo kunzwisisa kuti nzira yekufananidzira inoshanda sei kuitira kuti kana ramangwana redu risati raita kuti rive rakanyanya kuipa, tinenge tine pfungwa yekuti chii chingave chiri mberi. Izvi zvichatibatsira kuziva kuti ndezvipi zvimwe zvatinogona kusarudza kubva.
Muchikamu chino, tichazotanga kuvhara hurukuro dzezvinhu zvinogona kutungamirira pakuzarura uye dzozopinda muhutano chaihwo.
Njodzi Dzinotungamirira Mukufananidzira
Vanenge mamiriyoni manomwe vanhu vakarasikirwa nemisha yavo munguva yeHarare Recession, maererano neBBCS News.
Kunyange zvazvo nhamba yezvipfeko zvishoma zvanyanyisa kubva ipapo, varidzi vepamba vakawanda vachiri mumatambudziko. Sekuguma kwegore ra2015, vagari vemunharaunda vanosvika mamiriyoni 4.3 vaiva pasi pemvura, zvinoreva kuti mwenedzimba ane pamba inokosha kudarika chikwereti chavanofanira kubhadhara.
Kuva pasi pemvura pamba pako ndechimwe chezvinhu zvakanyanya kuisa njodzi zvinoratidza kufambisa. Mushure mezvose, kana imba yacho yakakosha kudarika chikwereti chaunokwereta, unogona kugumisa kuti zvinongonzwisisika kuti uende.
Iwe usati waita chisarudzo ichi, zvakadaro, heino shoko renyevero: kufamba kure kunobatsira zvikuru kune chikwereti chako . Inogona kukuvadza kukwanisa kwako kutenga rimwe imba mune ramangwana, pamwe nekukwanisa kwako kukwereta misha, makadhi ekukwereta, kubhadhara kune mamwe marudzi ezvikwereti, uye kunyange kukodzera mamwe mabasa.
Chii chaunofanira kuita kana imba yako iri pasi pemvura ? Iwe ungada kubata pamba uye kumirira kuti imba yacho iwedzere kukosha kwayo. Kana iwe uchida kufamba, unogona kubhadhara imba kumudzidzi. Zvimwe, kana iwe uchifanira kutengesa imba, unogona kukumbira wako chikwereti kuti uwane mvumo yekutengesa pfupi (tichakurukura izvi pasi) kana kuunza mari kumatafura ekuvhara.
Ko kana iwe usiri pasi pemvura asi uri kutambura kubhadhara ?
Kutanga, usati watenga musha, tenga imba isina kudhura kupfuura iyo yaunofanirwa nayo. Iwe haufaniri kutenga imba yemari pamutengo wepamusoro wemari yako yaunokodzera kugamuchira.
Vanhu vazhinji mukati mekambani yeimba yekutengesa vanoti chikwereti chako pachako chinofanira kukwidza chikamu chimwe chetatu chemari yako yokutora kumusha. Ichi chiverengero hachirevi kugadzirisa, kugadziriswa , zvishandiso uye zvimwe zviyero zvinoshandiswa. Zvisinei, chiyero ichocho chingave chakakwirira kwazvo. Edza izvi, pane: semutemo wegumbo wegumbo, chinangwa chekubhadhara kwako kwose kweimba yako, kusanganisira zvibatsiro, kugadzirisa, nekugadzirisa, kusvika kune anenge 25 kusvika ku30 muzana yemari yako yokutora kumba.
Pamusoro peiyo, chengetedza mari inokurumidza inotakura mwedzi mitanhatu yemari yako. Chengetedza iyi mari yekukurumidzira mune imwe mari yekuchengetedza yakachengetwa mari, kwete pane chero mhando dzekutsvaga (sematokisi). Usatora izvi nekuda kwemazororo, mazuva ekuzvarwa, kana kuti mari yegore negore. Chengetedza izvi chete nokuda kwekukurumidza kwezvinhu zvinoitika.
Kana iwe ukazviwana uchinetseka kuti ubhadhara, tanga kunyanya kuderedza mari muzvikamu zvakasiyana zvehupenyu hwako. Iwe uri pakati pematambudziko emari; shandisa saiyo. Usangotema kambo yako; kutengesa iyo yose TV. Usangoita bundu-bhandi kudya kwako kwemasikati; shandura kukiraji mudzidzi mupunga-uye-bean kudya kusvika iwe udzoka netsoka dzako. Gamuchira mari yakawedzerwa mune imwe nguva yega yega yekunheru kwako uye kwemavhiki ekupedzisira nebasa rekuzvipira, raunogona kubata paIndaneti kubva kumba apo vana vako vakarara. Ona kana iwe uchikodzero yekugadzirisa muchengeti wezvishoma-kutora chikwereti .
Kana iwe ukawa kumashure pamari yako uye iwe usingafungi kuti unokwanisa kubata, inguva yekutengesa imba yako. Kutengesa imba yako kunonyanya kufanirwa kufanirwa.
Kana imba yako isingakoshi kudarika chikwereti chaunokwereta, iwe uchada kubhadhara chikwereti chako kwekutengeswa pfupi. Kutengesa kutsva ndiko kutengeswa kweimba iyo munhu akwereta anogamuchira zvishoma kudarika zvavari kuita iye zvino. Iko chikwereti chinopera mutsauko.
Kana uyo anokweretesa anoziva kuti ivo vanowanzokwanisa kubvisa kurasikirwa kwavo kuburikidza nekutengesa kutsva kudarika kuburikidza nehutano hwekugadzirwa kwetsika, vanozobvumira anenge achikwereta kuti aenderere mberi achinyora pfuma yavo sekutengeswa pfupi.
Nhamba shomanana yekutengesa ndeimwe nzira yekudzivisa kutarisana nemigumisiro yechikwereti yekugadzirisa zvakakwana, asi haisi yakanaka. Chengeta ichi muhomwe yako kumashure senzvimbo yekupedzisira.
Nezvose zvataurwa, ngatitaurire pamusoro pechiratidzo chaiyo chekufananidzira. Sezvaunenge wava kuda kuona, kutora matanho kune nguva yakareba uye kune mikana yakawanda mukati mehutano uhwu iwe unogona kuedza kusunungura imba yako kuburikidza nekutengeswa pfupi, panzvimbo pekutsvaga.
Ngatitarisei nezvekuita kuitira kuti iwe unzwisise zviri kuitika pane imwe nhanho yenzira.
Nzira yekufananidzira
Chokutanga, kusazvidzivirira: iyo nzira inosiyana-siyana nehurumende. Mune dzimwe nyika, uyo anokweretesa anobata simba rekutengesa uye anogona kutevera "kutonga kusina kutonga." Nzira inotevera inotsanangurwa pasi apa inotsanangurwa zvakazara pamusoro pekutonga kwekutsvaga kwekutonga mune dzimwe nyika. Kana iwe ukazviwana uri kutarisana nekugadziriswa kwekutsauka, taura ne gweta.
Kana munhu akwereta akanganisa kutora chikwereti chekubhadhara chikwereti, uyo anokweretesa anokwanisa kuisa chiziviso chevanhu chisingazivikanwi, chinonzi inozivikanwa seChitsauko cheDhiga kana Lis Pendens. Izvi zvakabudisa pachena Zuva reKutadza kunotsanangurira akakwereta kuti pakave nokuputsa kwechibvumirano.
Mushure mokunge akwereta akagamuchira Chirongwa cheKutadza, vane nguva yenyasha, yakatemwa nemutemo wehurumende, umo vanogona kudzorera chikwereti chavo kuburikidza nokubhadhara chikwereti chakanyanya kupfuura uye kubatwa zvakasvibiswa nemari yavo yekubhadhara mari. Iyi nguva yenguva inozivikanwa sepamberi pekufananidzira.
Kutangira-kufanirwa ndiyo nguva iyo pakati peChitsauko cheZvirevo uye apo imwe pfuma inogona kudzorerwa zvakare kana kutengeswa munharaunda yevoruzhinji. Munguva iyi yenguva yenyasha, akakwereta ane zvishoma zvingasarudzwa zvokukwira kusvika iye zvino pachikwereti chake:
- Anokwereta anogona kubhadhara mari yavo kusvika kune imwe nguva uye kudzorera chikwereti chavo kuburikidza nokubhadhara zviyero zvakapfuura.
- Vanogona kukumbira kubhadhara chikwereti kuti vaderedze mari yavo yekubhadhara mari.
- Vanogona kuedza kutengesa imba yacho kune mumwe wechitatu kuti arege kudzivisa.
- Vanogona kubvumira nzvimbo yacho kuti iitengeswe pane pre-foreclosure public auction.
Kana uyo akakwereta asingakwanisi kudzorera chikwereti chake, uyo anokweretesa ane kodzero yekudzorerazve pfuma yacho uye kutora umwene nechinangwa chokudzorerazve chivako chacho. Zvigaro zvakadzorerwa zvakare nemunhu anokweretesa (kazhinji bhangi) anozivikanwa se Real Estate Owned (REO).
The Bottom Line
Tevera mazano mashomanana ekutadzisa dambudziko rako rekutarisana nehupfumi hwemari yako: kutenga zvakanyanya musha kupfuura iwe unogona kuwana. Chengetedza mari yekukurumidzira ine mwedzi mitanhatu inotengwa mari.
Gadzira mitsva yakawanda yemari, kuitira kuti kana imwe nzvimbo inopera, mari yako haigone kusvika ku zero. Dzivisa zvikwereti zvisingatengi zvevatengi, sekukweretesa kwemotokari kana kadhi rechikwereti chikwereti . Kunzwisisa kuti basa racho rinoshanda sei, kuitira kuti iwe usapinda mune zvinoshamisa.
Nezvo izvo zvataurwa, farira imba yako. Izhinji huzhinji hwevaridzi vemunharaunda havatombozivi. Iwe unofara zvakakwana kuti utore kutarisa-kutarisa pamatambudziko makuru anowanzoita kuti uwane ruzivo rwakashata kuitira kuti iwe unogona kuchengetedza kune avo. Uye izvozvo zvidziviriro, zvakakura, zvinotenderera mberi nehupenyu husina maturo huripo hwekugara pasi pezvinhu zvako.