Nzira Yokuderedza Nayo Mari Yako NeKutora Kwematokari
Kuvandudza Mabasa
Nezvikwereti zvakawanda zvemusha (zvakadai semakore gumi nemashanu kana makumi matatu emakore zvakatarwa zvekutengesa mari ), iwe unobhadhara chikwereti chacho nekugadzirisa mwedzi mumwe nomumwe. Zvikwereti izvozvo hazvidi kuchinja pane hupenyu hwechikwereti chako kunze kwekuti iwe ukashandisa kugadziriswa kwekubhadhara chikwereti - kana iwe uchibhadhara $ 1,500 pamwedzi pazuva rimwe, ucharamba uchibhadhara mari yakafanana.
Kana iwe uchikwereta chikwereti, iwe unobhadhara chikwereti chikuru, uye wako chikwereti anowedzerazve mari yako yekubhadhara mari pamwedzi. Izvi zvinogona kubatsira mumamiriro anoverengeka:
- Pay Monthly Payments:
- kana zvikwereti zvako zvaunoda zvakanyanya, kukanganisa kunogona kuita kuti pave nyore kubhadhara mwedzi mumwe nomumwe
- Bhadhara Chikwereti:
- f iwe une mari yakawanda uye iwe unoda kuderedza chikwereti chako, kunonoka kunoita kuti uite izvozvo uye unakidzwe nebhasiro rakaderera
Mari yekubhadhara inotarwa zvichienderana nezvimwe zvikonzero :
- Chikwereti Nhamba - kuti wakakwereta zvakadini
- Mutengo Wechikwereti pane chikwereti
- Nguva yaunotora kubhadhara chikwereti (inozivikanwawo sezwi )
Kana ukashandura chimwe chezvinhu izvozvo, kubhadhara kwemwedzi unozochinja. Zvisinei, kubhadhara chikwereti hachisi kuchinja mushure mokunge chikwereti ichiitwa . Iwe unogona kutumira mari yakawedzerwa mwedzi mumwe nomumwe kana kunyora cheki chikuru, asi mutengi wako haazoshandisi kubhadhara kwedzimwe mwedzi kunze kwekunge iwe uchikumbira (uye kubvumidzwa kuti) kugadziriswa.
Kuwana Kurasikirwa
Kuti ugadzirise chikwereti chako, taura nemutengi wako. Tanga kubvunza pamusoro pekugadzirisa kwekutanga kare nokuti unoda mamwe mazwi anokosha:
Ko Mutevedzeri Wako Anobvumira Mortgage Kunonoka Here?
Vamwe havakwanisi, uye hazvina kukodzera kuparadza nguva yako kana iyo isiri nzira.
Chii Chisingakoshi Chinodiwa Lump-Sum Payment Yakafanirwa Nekugadziriswa?
Iwe unogona kumira kumirira nekuchengetedza kwenguva yakareba.
Zviduku zve $ 5,000 hazvishamisi.
Izvo Zvakawanda Zvakadii Kubva?
Iwe uchazofanira kunge uchibhadhara mari yemadhora mazana emadhora. Chinhu ichi munguva yaunofunga kuti iwe uchachengeta chikwereti kwenguva yakareba sei. Zvakare, iwe ungada kumirira nekuita kubhadhara kukuru (kana mamiriro acho akanaka) kuitira kuti uwane humwe huzhinji huri buck yako.
Chii Chachabhadhara Mitsva Yako Yitsva?
Tsvaga kuti yakawanda sei iyo inokonzera kuti chikwama-sum chizoita. Ingave isingave yakakura sezvaunotarisira.
Iwe Uchaponesa Zvakawanda Zvakadini?
Vanhu vazhinji vanofunga nezvekubhadhara kwemwedzi, asi mari yekutora inokosha zvakare . Zvechokwadi, iwe unogona kunyatsochengetedza zvakawanda kana iwe uchiita chikwereti chemari uye iwe hausi kudzokorora chikwereti. Kugadzirisa kuderedza chikwereti chako (mushure mekunge wakaderedza chikwereti) kuitira kuti iwe ubhadhe chikwereti pamusi wekutanga-wakarongwa. Zvisinei, kana iwe uchiramba uchitenga chikwereti chepakutanga - mushure mekugadzira chikwereti chemari yekuderedza kuderedza chikwereti chemari yako - iwe uchabhadhara pasi chikwereti chako nekukurumidza uye uchengetedze mari muchibereko.
The Formalities
Kana wagara wakagadzirira kuenda mberi, inongova nyaya yekuzadza mafomu uye kutumira mari. Iva nechokwadi chekuti unoziva nguva ipi yekuderedza yako kubhadhara uye kumirira kusvikira wava nechokwadi kuti zvakachengeteka kuita saizvozvo. Mushure meizvozvo, tsvaka chimwe chinhu chinobudirira kuita nemari yakawedzerwa mwedzi woga woga: chengeta kubhadhara kana zvimwe zvinangwa zvakakosha.
Runza Numeri
Mari yako yekutenga chikwereti inogona kukupa ruzivo rwakakosha. Zvisinei, iwe ungasarudza kutarisa nenhamba iwe pachako. Kuti uite kudaro, iwe uchada kuenzanisira kuti chikwereti chacho chinobhadharwa sei kupfuura nguva. Izvi zvinozivikanwa sekumanikidza - uye hazvisi izvo zvakaoma kuzviita.
Iwe unogona kuverenga chikwereti chako chafambira mberi noruoko, asi mahwendefa anoita kuti basa rive nyore. Sarudza zuva raunenge uchiita kuti uwane chikwereti chemari, uye kuderedza chikwereti chako chemari maererano naizvozvo. Zvadaro, kuverenga kuti mubhadharo mutsva ungadai uri kutora nguva yakafanana yeiyo (mune mamwe mazwi, kana uine makore gumi nemasere akasara pachikwereti chako, kuverenga kwemakore gumi nemaviri - usatanga kupfuura nemari yemakore makumi matatu).
Zvadaro, tarisai nhamba kuti uone kuti uri kuchengetedza zvakadini. Ongorora nemari yakasiyana-siyana yokubhadhara uye ona kuti chii chinoshanda kwauri.
Kudzosera kana Kudarika?
Zvakare, kugadzirisa haisi nguva dzose yakanakisisa.
Imwe nzira yakajeka ndeye kungoita mubhadharo wemari uye kuramba nemari yako iripo (yakakura) mwedzi yemwedzi. Kudzosera mari yako chikwereti ndeimwe nzira.
Dzimwe nguva zvinobatsira kuenzanisa nekusiyanisa, saka heino maitiro anoenzanisa nekugadzirisa:
- Mitero yakaderera nekunonoka
- Amamiti (kana kuti "awa") haatangi kupera apo iwe unodarika (mumakore iwayo epakutanga wembairo yemakore makumi matatu, iwe unobhadhara mari yakawanda kupfuura iwe unobhadhara chikwereti chako)
- Mari yekuvhara inobhadharwa chete kana iwe uchigadzirisa, kunyange zvazvo kungave nemari yekudarika
- Iyo nzira inogona kuva nyore uye iri kukurumidza nokuti haifaniri kuongorora, kubhadhara chikwereti, kana kuti kunyora pasi kunotarisirwa chikwereti chitsva
- Inhara yekutambira iwe unobhadhara haifaniri kuchinja nekunonoka, asi inogona kuchinja kana iwe uchigadzirisa
Pakupedzisira, kugadzirisa kunonzwisisika paunenge uine mari yakawedzerwa uye iwe unowana chikwereti chakanaka. Kudzokorora ndeye mhinduro apo iwe unogona kuita zvakanyanya zviri nani nokupedza chikwereti chiripo uye kutanga zvitsva - ingova nechokwadi kuti haugumiri kubhadhara humwe ruzivo nekuwedzera hupenyu hwechikwereti chako.