Pros uye Cons for Making Down Payment
- Chekutanga chekubhadhara
- Kuramba kuripo nguva nenguva (kubhadhara mwedzi mumwe nomumwe, somuenzaniso)
- Mune zvimwe zviitiko, kuwedzera mari yemari yekubhadhara (kusarudza zvipo kuti udzivise chikwereti chako kana kubhadhara chikwereti zvachose zvachose)
Sezvo nezvinhu zvakawanda, nzira inotangira zvinhu chimwe chinhu chichakubatsira kana kukubvumira kwemakore anouya, saka zvinokosha kuti uone kutanga kwekubhadhara. Kana waita izvozvi, tanga kuponesa kuitira kuti urongwa hwako hubudirire .
Chii Chinonzi Down Payment?
Mari yekubhadhara ndeyekubhadhara kwepamusoro-soro kwaunoita kutenga chimwe chinhu. Icho chikamu chemutengo waunotenga iwe pachako (kunze kwekukwereta). Iko mari inobva pamari yako pachako uye iyo mari yaunouya nayo patafura. Zvechokwadi, kudhura kwebhadharo hakuwanzovi muchimiro cheko chaiyo pepa mari. Muzviitiko zvakawanda iwe unounza cheki kana kuti iwe unobhadhara mari yemagetsi .
Kubhadhara kuripo kakawanda, asi kwete nguva dzose, chikamu chekwereti. Paunoona "zero pasi" inopa, hapana chekubhadhara pasi kunotarisirwa, asi zvingava kuchenjera kuita imwe zvakadaro. Kubhadhara kunowanzowedzera chikamu chakanaka chetengo rekutenga (sa20%). Mari yakasara iyo inobhadharwa kwenguva yakawanda nebhadharo yezvikamu zvekare - kunze kwekuti iwe uchibhadhara chikwereti kare nekunyora cheki chikuru kana kubvisa .
Muenzaniso: unotenga imba ye $ 100,000 (kusazvidza mari yekuvhara ). Iwe wakashingaira kuchengetedza $ 20,000 nokuda kwechinangwa ichi, uye iwe unounza chekoni yemari yebhadharo ye $ 20,000 pasi kubhadhara (iyo 20% yemutengo wekutenga). Somugumisiro, iwe unokwereta $ 80,000, zvaunogona kubhadhara nemakore makumi matatu ekubhadhara mari.
Ndingabhadhara zvakadini?
Iwe unogona kazhinji kusarudza kuti mukuru wekubhadhara kunotora sei, uye chisarudzo hachisi nyore nguva dzose.
Vamwe vanhu vanotenda kuti kukura kunogara kuri nani, asi vamwe vanofarira kuchengeta mitero zviduku zvingaita. Iwe unofanirwa kuongororodza zvinobudirira uye hutano uye uzvisarudzire iwe pachako.
Chimwe chikwereti chikuru chekubhadhara chinoramba chichikwereta kune zvishoma. Paunowedzera kubhadhara mberi, zvishoma iwe chikwereti chako. Izvozvo zvinoreva kuti iwe uchabhadhara mari shoma muhutano hwekuda mari pamusoro pehupenyu hwechikwereti, uye iwe uchanakidzwawo nekuderera kwepamwedzi pamwedzi . Kuti uone kuti izvi zvinoshanda sei iwe pachako, tora nhamba kubva kuchikwereti chipi zvacho chaunenge uchitarisa uye uzviise mukoti yekutora chikwereti . Edzai nekuchinja chikwereti chikwereti uye tarisai kuti dzimwe nhamba dzinochinja sei.
Mari yakakura inogona kukubatsira iwe kuderedza mari mune imwe nzira imwe. Semuenzaniso, iwe unogona kuwana chidimbu chechikwereti chepasi kana ukaisa zvakawanda pasi. Vatengesi vanofarira kuona zvikwereti zvakakura pasi nokuti vanokwanisa kuwana nyore nyore mari yavo kumashure kana iwe usina kukweretesa pane chikwereti (uye ivo vanobhadhara zvakawanda kana dambudziko ravo riri guru). Iwe unogonawo kuvhara mortgage inshuwarisi nemimwe mari yebhadharo yakakura yepamusoro-mberi.
Kuva nekubhadhara kwemwedzi unoita kuti upenyu huve nyore munguva yemberi. Kana mari yako inoshanduka (nemhaka yekurasikirwa nebasa, somuenzaniso), pasi zvakaderera zvinowanikwa pamwedzi zvinopa iwe wiggle room. Zvimwe, kubhadhara mari shoma kunoita kuti zvive nyore kuwana mimwe chikwereti munguva yemberi.
Vatengesi vanoda kufara kuti mune mari yakawanda yekuwana mari yako yepamwedzi, uye vanoongorora izvi nechikwereti chekuwana mari .
Ko kana iwe uchida kuwana mari? Mune zvimwe zviitiko unogona kubhadhara kune chero chawakatenga. Mumuenzaniso uri pamusoro apa, iwe haungakwanisi kuvhara mu $ 20,000 iwe wawakaisa mumusha mako nekuti vatengi vanozeza kuenda pamusoro pe80% chikwereti chinokosha . Asi kana iwe pakutanga uchinge waisa pasi makumi maviri kubva muzana kana wakambova neropafadzo yakakwana yekuwana mutengo wekuonga, iwe unogona kukwevera imwe yemari iyo kunze kwekwereti yemari yakakwana .
Chiripo chiduku chekubhadhara chakanaka kune zvikonzero zvakajeka: haufaniri kuuya nemari yakawanda. Kuchengetedza 20% yekutenga pamba kunogona kutora makore. Kana iwe ukaitika kuti uchengetedze mari yakawanda, zvinotyisa kuparadzanisa nemari iyo yose - zvakadini kana chimwe chinhu chinouya (motokari yako inopera, zvinetso zveutano zvinomuka, nezvimwe zvakadaro)?
Kuisa mari yako yese muimba kana motokari zvinoreva kuti une mari yako yose yakasungwa pane chimwe chinhu chingave chakaoma kutengesa, uye vamwe vanhu havanzwisisi nazvo.
Kunyanya kana zvasvika pakutengwa kweimba, zviduku zvakaderera zviri kuedza. Iwe unogona kutenga makore mashomanana zvisati zvaitika, uye iwe unoramba uine mari pazviri nokuda kwekudzivirirwa kusingadzivisiki nekugadzirisa. Asi kuisa pasi pasi pe20% pasi kunogona kukudhura (zvishoma kwechinguva - ona pasi).
Pakupedzisira, iwe unoda kutora mukana mari. Iwe unogona kusarudza kushandisa mari kune zvimwe zvinangwa, zvakadai sokurega mari kana kukura bhizinesi rako.
Zvechokwadi, chisarudzo chacho pachako, uye chisarudzo chakanaka chinoenderana nenyaya dzakawanda. Zvakanaka iwe unowana mari yakasimba yekushungurudza mari yekugadzirisa chero zvinoshamisa, uye iwe hausi kupamba kubva muchikwama ichocho kuti uite chikwereti chako pasi.
Zvinokutengeserana zvikwereti
Hazvisi zvisizvo kune vanokweretesa kuisa zvishoma zvinoda kubhadhara pasi (asi zvirokwazvo unogona kubhadhara zvakawanda kana uchida). Zvakare, kubhadhara kukuru kunoderedza kukanganisa kwekwereti: kana vakatarisa pamba penyu kana kutorazve motokari yako , havafaniri kutengesa iyo yepamusoro-dollar kuti iwanezve mari yavo.
Kubhadhara zvikwereti zvinogona kuvewo nemafungiro epfungwa. Vanoratidza kuti une "ganda mumutambo" - uye iwe unozviita . Somugumisiro, iwe unowanzoita kuti urambe uchibhadhara (kutama kure kunodhura). Kubva pane imwe nzira, kubhadhara kunoratidzira vanokweretesa kuti munoda uye munokwanisa kuuya nechikamu chemutengo wekutenga, saka ivo vanoda kugamuchira zvikwereti.
Ndezvipi zvimwe zvinowanzodiwa? Nekutengesa kumusha, 20% inhamba inokosha. Kubhadhara 20% zvinokubvumira kuti usabhadhara mari yega mortgage inshuwarisi (PMI), inodzivirira mukwereti wako kana iwe usina kukwereta pane chikwereti. Kana iwe usingakwanisi kuuya ne20% patafura, chikwereti cheFHA chinogona kunge chiri chakanakidza, chinoda 3.5% pasi (asi iwe uchiri kubhadhara inshuwarisi, uye iwe unoda kuongorora kana uri iwe nzvimbo yakanaka yekutenga).
Nezvikwereti zvemotokari, vateresi vangave vaida zvinenge 10% pasi. Zvisinei, vamwe vateresi vanoda kutendera 110% LTV (yakabva paKelley Blue Book zvinokosha).
Mune zviitiko zvakawanda, kubhadhara mari kunouya se "mari" (kana kuti inowanikwa cheki, mari yekuda kana kutengesa firi). Asi mari haisi nguva dzose inodiwa. Somuenzaniso, nyika inogona kushandiswa sekubhadhara pasi paunenge uchikumbira chikwereti chekuvaka .