Kubatanidza Imba mbiri kuImba Imwe Inoda Ida
Chokutanga 1: Kutenga Imba, Inoteverwa Nokutengesa Imba 2
Dambudziko rekutanga nerudzi irworwo rwerongwa ndekukwanisa kubhadhara chikwereti.
Zviri pachena kuti kana vatengesi vaviri vari kutengesa imba nechinangwa chekutenga imba imwe chete pamwe chete semhuri, uye mari haibatanidzi, zviri nyore. Vatengesi vane dzimba dzakasununguka uye dzakasununguka kana dzimba dzine hutano hwakakwana kuunza mari kutenga imba yakakwana vane rusununguko rwakawanda rwekutevera izvi. Asi chokwadi ndechokuti vanhu vakawanda vanotora chikwereti kutenga imba. Icho chinoreva kuti mapato anogona kudiwa kuti awane chikwereti pamusoro pekukwanisa kutenga mari yekubhadhara mari kune dzimwe dzimba mbiri.
Mushure mokuwedzera mari itsva yekubhadhara chikwereti kune zvipo zviviri zviripo zvekutenga mari, iyo inoyera yakaenzana nehuwandu hwekuwana mari inogona kusimbisa mapato maviri kubva kune imwe nzvimbo kuti vawane. Vatengesi vanoshandisa zviyero, izvo zvikamu zvinokwana zvose zviri mberi uye shure. Chikamu chekuguma-kuguma chikamu chemari yekubhadhara mari yekubatanidza kubatanidzwa pamwe chete mari yakawanda yemwedzi. Chikamu chemagumo ekupedzisira chikamu chemari yekubhadhara chikwereti pamwe nechikwereti chakawedzerwa chakafanana nemakadhi emakwereti anorwisana pamwe chete mari yakawanda yemwedzi.
Kana zvibvumirano zvakakwirira kwazvo, mapato haazokwanisi kuva nemisha yose mitatu panguva imwe chete. Hungu, iwe unogona kutaura, asi mapato anogona kuchinja dzimba idzodzo dzive mubhadharo uye kushandisa iyo mari yekubhadhara kubvisa chikwereti chekubhadhara mari , chakanaka? Kunyange zvazvo izvo zvaizowedzera mari, iyo inogona kuderedza chiyero, uyo anokweretesa haazobvumi mari yekubhadhara inoshandiswa mukuverenga.
Vazhinji vanokweretesa vanotevera mitemo yakasimba pamusoro pehurefu hwenguva iyo imba inofanira kunge yakabhadharwa kuti inokodzera mari yekubhadhara muchikwereti chekutengesa, uye mwedzi umwe kana maviri hauna kukwana.
Dambudziko rechipiri kuburikidza nekutenga imba inoteverwa nekutengesa dzimba mbiri ndeyekuti kana kubhadhara kuripo kwemusha mutsva kuchiuya kubva kutengeswa kweimwe dzimba mbiri, zvino vatengesi vangave vachida kunyora kupa kwechipo . Chipo chinopesana chinovapa nzira yekubuda nayo, nzira yekuregesa kutenga, uye vatengesi vakawanda havadi zvipo zvinokonzerwa nechikonzero chakanaka nokuti havasi nguva dzose chinhu chaicho.
Kana iyo misika isingabatsiri kune zvipo zvinowanikwa, izvo zvinogona kuwedzera kukanganisa urongwa uhwu. Mumutengesi wemutengesi , somuenzaniso, zvinopa zvingangove zvingave zvakaoma kuti zvigamuchirwe. Kana iyo yakatarwa kutenga imba inofadza zvikuru, inogona kuva nemigove yakawanda, uye zvigaro zvinopa zvisingambofi zvakakunda mune-multiple-offer situation.
Chokutanga 2: Kutengesa Imba Usati Watenga Imba Idzva
Kunyangwe vaviri vakaroorana vangada kutengesa dzimba idzi mbiri kana imba imwechete yekubatanidza mhuri mumusha mutsva inotarirwa zvakare pane kutora mari. Zvinogona kutengesa kutengesa imba imwe chete usati watenga musha mutsva.
A mortgage chikwereti inogona kukurudzira mune izvi.
Zvisinei, kana zvakakosha kutengesa dzimba idzi mbiri tisati tatenga musha mutsva, saka pane zvitatu zvitsva zvasarudzo:
- Kutengesa misha iripo nekambani yakabvumirana inobvumira vatengesi imwe nguva yekutenga imba itsva uye kupinda muchibvumirano chekutenga, kana kuti
- Kutengesa misha iripo nechisarudzo chekurenda shure kwekuvhara kupa nguva yevatengesi kuwana musha mutsva kutenga nekutama.
- Kutengesa dzimba mbiri, kutamira kune imwe nzvimbo ndokuzovhima imba itsva, iyo inosanganisira kutama kaviri. Iyi yekupedzisira sarudzo ndiyo yakanakisisa kubva mune mari yekutarisa nekuti mutengesi haazovi nematambudziko uye ave panzvimbo yakasimba yekukurukura kutengwa kwemusha mutsva. Asi chaizvoizvo, vanhu vazhinji havadi kutama kaviri. Kufamba kamwechete kunowanzooma zvakakwana.
Kana vatengesi vakasarudza kunyora zvipo zvisingabvumirwi, kana vari kutengesa mumusika wevatengesi, zvingava nyore kupa mutemo kumutengesi kupfuura kana vari kutengesa mumutengesi wemutengesi.
Mumutengesi wemutengesi, vatengi vanowanzoda zvikuru kumirira mutengesi kuwana imba yekutenga kune imwe nzira yakapoteredza. Iyo nzira yakachengeteka yevatengesi kuronga kutenga musha mutsva nokuti hapana ngozi kune vatengesi kana vasingagoni kuwana imba itsva kutenga.
Izvo zvakaderera, zvechokwadi, vatengesi vanogona kuwana imba yavo yekurota uye vasingakwanisi - nekuda kwezvikonzero zvakasiyana-siyana zvinogona kubva kubva pamutengo kusvika kune imwe nzvimbo-kutengesa misha yavo iripo. Kurasikirwa neimba inorota kunogona kurwadza. Imwe nyanzvi yezvivako zvemuzinda inobata maitiro aya ekutengeserana inogona kukwanisa kubatsira nekuita kuti basa racho risina kumira.
Panguva yekunyora, Elizabeth Weintraub, BRE # 00697006, ndiye Broker-Associate kuLyon Real Estate kuSacramento, California.