Kutarisira Maridzo Yevadzidzi: Kutanga

by Carron Armstrong

Munyaya dzino dzakatevedzana, tichakurukura nezvekutarisira chikwereti chemudzidzi wako, kusanganisira chii chinoitika kana iwe usingakwanisi kuvabhadhara, chii chaunogona kuita uye haugone kuita, uye iwe unogona sei kuderedza mari yako yekubhadhara uye kuwedzera kubatsirwa kwako kubva pamari yakaoma yakawanikwa iwe shingairira kubhadhara dzidzo yawakashanda zvakaoma kuwana.

Iwe uri chikamu che $ 1 trillion here?

Shanduro yezvikwereti zvevadzidzi yakawanda. Kubva muna 2011, zvikwereti zvikwereti zvevadzidzi zvakapa $ 1 000 000 000 muUnited States chete.

Vanhu vaine chikwereti chakawanda kubva kune chikwereti chemudzidzi kupfuura zvavakaita kubva pamakadhi emakwereti. Izvozvo zvingaratidzika sezvinoshamisa pakutanga, kusvikira iwe wakatarisa kudiwa kwemari yauri kutenga. Kwegore ra2014-14, mari yekubhadhara chikoro nemari inotengeswa pasi pe $ 9,000 kune in-state rates mumasangano ehurumende, uye kungopfuura $ 30,000 pamakoroji ega. Izvo hazvibatsiri kunyange mabhuku, nzvimbo uye bhodhi, kuenda kune uye kubva kumusasa, kana pizza newaini, iyo iwe unogona kuwedzera imwe $ 15,000. Wedzera izvozvi nemakore mana, uye mari ye "kuenda kuchikoro" inosvika $ 96,000 kusvika kune $ 180,000. Imba yangu yekutanga haina kukwana $ 96,000. Uye zvakawanda zvezvikwereti izvi zvinobhadharwa nemari yezvikwereti zvevadzidzi.

Zvikamu zviviri kubva muzvitatu zvevakapedza kudzidza mumakore mana emasangano vakasiya chikoro nemari yechikoro. Ivhareji yemari chikwereti chevaya vakapedza kudzidza inopfuura $ 25,000. Wedzera kune izvo zvikwereti zvakakosha zvinokweretwa nemakore maviri uye chikoro chevadzidzi, vadzidzi vasina kuzadzisa mapurogiramu avo, uye zvikwereti zvakatorwa nevabereki vevadzidzi ava vose uye iwe unogona kutanga kuona ukuru hwezvakaitika.

Pamusoro Pakuvhura Mitero Yevadzidzi Vadzidzi

Iye zvino ngatitaurirei nezvekuti mabhengi aya ari kubhadharwa sei. Zvinosuruvarisa kuti hazvirevi zvikwereti zvose zviri kubhadharwa sezvakabvumidzwa. Zvechokwadi, dzimwe nhamba dziri kuudza. 36% chete yevadzidzi vanobhadhara panguva panguva yemakore matatu ekutanga apedza kudzidza. Izvo zvisingagadziriswi - kusingagoneki kunoitika kana kubhadhara kusati kwaitwa kwemazuva 270 - mumakore matatu aya iine 14% yakawanda.

Enzanisa izvi nemutengo wekubhadhara pamakadhi ematokari mukupedzisira kwegore ra2014 sezvakataurwa neFederal Reserve.

Munzira dzakawanda migumisiro yekusagadzirisa zvikwereti zvevadzidzi yakanyanya kukura kudarika iyo yemakadhi emakwereti. Kana kadhi rechikwereti rakabhadharwa, vateresi vanogona kuedza kuunganidza nekufonera nekunyora mutengi, saka sungai muridzi wekambani uye shandisa mutongo unoguma, mune dzimwe nguva, kuronga mubhadharo kana kubhadhara pfuma yevatengi kugutsa chikwereti chakanyanya . Asi, mutengi ane zvishandiso, zvakare. Anokwanisa kudzivirira mhosva uye kumanikidzira chikwereti kuratidza kuenzanisa, chimwe chinhu icho vateresi vanowanzoomerwa kuita. Anokwanisawo kubudisa yakawanda kana yose yekadhi rechikwereti chikwereti mukupedza chikwereti.

Izvozvo mishonga haisi iyo inowanika kune wechikwereti chikwereti chikwereti. Pasi pemutemo wezvematongerwo enyika, makambani ezvikwereti zvevadzidzi vanogona kugadzirisa mubhadharo pasina kutonga, uye vazhinji vese vachakuudza kuti chikwereti chemudzidzi hachikwanisi kusunungurwa mubhadhadzi, kunyange izvi zvisingaitiki zvachose.

Ruregerero kune Vadzidzi Vanokwereta Chikwereti

Kungofanana nemutemo wehurumende unopa chikwereti chemudzidzi chikwereti chekuchengetedza zvakakwana uye ropafadzo, hazvirevi kuti mudzidzi wemari yemukwereti haana kodzero kana mishonga.

Muchikamu chino tinotaura pamusoro pezvipo zvinowanikwa kune vanotora chikwereti kubvisa kana kutarisira zvikwereti zvezvikwereti zvevadzidzi.

Iko kune kazhinji mitauro miviri yekusunungurwa chikwereti chikwereti chikwereti chinogona kufara.

Cancellation
Kushivirira kana kusununguka
Kugadziriswa kwekubhadhara, kusanganisira kusimbiswa kwezvikwereti
Kugutsikana kana kugadzirisa
Dambudziko rekuunganidza

Kuti uwane mhedziso yezvirongwa zvinowanikwa kwauri sezvaunoshanda kubhadhara zvikwereti zvako, chengeta nyaya yedu KUVA DZIDZIDZISO DZOKUDZIDZWA: ZVIMWE ZVAKO ZVAKAITIKA MUNA NUTSHELL .

Hasi mapurogiramu ose ekuyamura anowanikwa kune vose vanokwereta. Izvo zvinoenderana nehurukuro yemhando ipi yawakwereta iwe. Kuti uwane chekutanga pamhando dzakasiyana-siyana dzezvikwereti zvinowanikwa kune vakwereta uye kuti unogona sei kuziva kuti iwe unogona kuitei, ona nyaya yedu KUITA VANODZIDZIDZWA KUDZIDZA: CHII CHINHU CHOKUTENDA UNOVA?

Iwe unogona kuwana ruzivo rwakawanda pamusoro pemhando dzezvikwereti zviripo uye mapurogiramu aunogona kushandisa kuti uwane rubatsiro kubva kune chikwereti chehurumende pawebsite yeDhipatimendi.

Kuti udzidze zvakawanda nezvematanho aunogona kutora kuti uwedzere mutoro wekubhadhara chikwereti chevadzidzi, tarisa zvinyorwa mumaketani edu Kutarisira Maridzo yevadzidzi:

General Issues

Ndeapi Mari Mikuru Une Izvo?

Zvaunosarudza Pakutarisira Misha yevadzidzi muchidimbu

Gwaro reGwaro Rinobatsira Rudzi Rwokubhadhara Mitemo

Kana Iwe Usingakwanisi Kupa Mari Yako

Kudengenyeka uye Kusiyana

Kusarudzwa uye Kushivirira

Dzokorora Mazano Mazuva Ekupedzisira kweTough Times

Kuponesa Chikwereti Chevadzidzi Zvakashata

Kutarisana neVadzidzi Vanokwereta Mari

Kutarisira Private Loans

Mhanje Kukanganwira