Kutenga imba kwekutanga kokutanga kunonakidza. Zvakanyanya kudaro, kuti tarisiro yeimba yeimba inowanzowanzogadzirisa kugadzirira, zvichiita kuti vatengi vatsva vasvike pamatambudziko ekuva neimba. Kana iwe usina mababa ako mumutsara usati wavhara paimba yako, ipapo kurota kweimba yeimba inogona kuchinja muhutano hwemari.
Kana uri kutarisira kutenga imba, tanga waona kuti wakabvisa matanho akawanda aya emari sezvaunokwanisa, kuitira kuti iwe uve nechokwadi chokuti wakagadzirira mutoro weimba yeimba.
Bhadhara Chikwereti Chako Chevatengi
Kunze kwekuti uri kubhadhara mari yeimba yako, wava kuda kutora chikwereti chakakura chechikwereti. Ndizvo zvaunofarira kubvisa chikwereti chako chiripo musati wawedzera.
Nepo iwe unogona chaizvo kukwanisa kutenga chikwereti nekwereti yevatengi, kutenga imba kana iwe wakasungirirwa nezvimwe zvikwereti zvinongokuvhundusa iwe.
Kubhadhara chikwereti kunoda kushivirira, kushingaira, uye nguva, asi kuita kudaro usati watenga imba inokuisa mukana wekutarisira zviri nani mari yemhosva yeimba yeimba.
Iva neFully-Funded Emergency Fund
Munhu wose anoda chikwata chekuchengetedza mari- kana kuti kwete. Asi semuridzi weimba, zvinotonyanya kukosha, sezvo uchange uine mutsva wose we "oopsies" unogona kuvhara.
Kana mapaipi ako akasvibira munguva yechando kana iwe unoda kutora pasi muti mujare rako, hapana muridzi weimba anodana. Zvose zviri pauri, uye kana iwe usingakwanisi kugadzirisa zvakakonzerwa nezvakaitika zvinoenderana neimba yako, izvi zvinogona kutungamirira kutora chikwereti kuti uzvifukidza-kana kuora kweimba yako, kana iwe ukanonoka kana kusazvidza kugadziriswa kwakakodzera.
Kana iwe uchifunga kuti pombi yakanatswa inodhura kusangana nayo, ingomirira uye uone zvinoitika kana iyo pombi inoputika uye inofashura imba yako.
Kuva nechikwereti chakakwana chekubhadharwa mari yekusvika kwemwedzi mitatu kusvika kumatanhatu hakungokudziviriri chete, asi kuchakupawo rugare rwepfungwa.
Save Up Your Down Payment
Kuuya nebhadharo yepamusoro pamusha kunogona kuva chiremera chikuru cheimba yeimba.
Vengi vatengi vatsva vanokunda chipingamupinyi kuburikidza nekuisa mari shoma-kwete-pasi.
Zviri kuedza kutora nzira iyo, sezvo inounza imba yeimba inosvika pakukurumidza zvakanyanya kupfuura kumirira kuva nevakasarudzika 20 muzana. Asi kuita saizvozvo kunokuisa pangozi.
Kupinda mumba mavako nehutano hushoma kana husina humwe hunogona kutungamirira kumusha wako uri kutaridzirwa kana iwe uchinetseka nekubhadhara kwakanyanya. Uye kunyange kana iwe uchikwanisa kuchengetedza mari yekubhadhara mari, iwe uchange uchida kubhadhara Private Mortgage Insurance (PMI), zvinoreva kuti mari inogona kuenderera mberi kune yako huru uye inowiriro iri kuenda kumari.
Ratidza kuve wakagadzirira kuburikidza nekutora nguva yekuchengetedza kuitira kubhadhara kwekubhadhara-kana kwete iyo yakazara 20 muzana yemutengo wekutenga, ipapo zvakawanda zvaunokwanisa.
Inzwisisa Zvinodhura zveimba yeimba
Mari yekubhadhara imba inowedzera kure kupfuura mari yekubhadhara mari-iyo inobata vatengi vakawanda vatsva nekushamisika.
Munguva yekutora chikwereti, tarisira kuvhara mari yekuongorora kwekumba, kutarisa kumba, kuongorora kwenguva refu, mari yekubhadhara mari, uye zvechokwadi, kuvhara mari , iyo inogona kusvika inenge kusvika zviviri kusvika kuchina kubva muzana yemutengo wemusha.
Uyewo, gadzirira kubhadhara kwekufamba, kugovera imba yako, uye kutarisira chero basa ripi zvaro rinodiwa kuti uende.
Kana uchinge uri pamba, iwe uchada kuvhara maitiro ekugadzirisa , kugadzirisa, uye zvichibvira HOA inoshandisa .
Uyezve, inishuwarenzi yako inoda kuenderera mberi kune inishuwarenzi yeimba inotarisirwa iwe kana iwe ukasarudza kutenga umburera kana mutemo wemhosva .
Gadzira Chivako Mubhadharo Yako
Zvinowanzoita kuti uone kuti iwe unokwanisa sei kutenga mari yekubhadhara mari. Papepa, zvingaratidzika sezvisingakanganwiki, asi chokwadi chinogona kutaura nyaya yakasiyana. Kuenzanisira kunze kwekubhadhara kwako kushandiswa uchishandisa mortgage calculator inotanga kutanga, asi sei urege kuenda danho rinopfuurira?
Tora chikwereti chako chekubhadhara chikwereti chekuedza chinomhanya nekuchiita chikamu chebhajari yako ikozvino. Kwemwedzi inoverengeka, ita sekunge iwe uri kubhadhara chikwereti chakafungidzirwa pamwe chete nedzimwe mari yaunotora pamwedzi iwe waunenge waita. Kuita izvi kuchaita kuti iwe uwane mubhadharo mutsva pamwe chete nehupenyu hwehupenyu hunoti hutachiona hahugoni kumira.
Sezvo bhonasi yakawedzerwa, mari yakawedzerwa yauri kuisa parutivi inogona kuendesa kubhadhara mari yako yekukurumidzira, kuisa mari yekuchengetedza imba, kana kungochengetedza zvakawanda pamusoro pekubhadhara kwako pasi.