Iwe Unogona Kuda Kusarudza Pakati Pemotokari uye Imba Wakambofunga here kuti iwe ungatofanira kuita sarudzo pakati pemotokari yako itsva kana inenge iri itsva uye uine imba yako? Vazhinji vechidiki vari kuona nzira yakaoma iyo inowanzova imwe kana imwe. Car vs. house.
Rega ndikuratidzei kuti motokari yako inogona sei kukuchengetedza kuti uwane chikwereti. Mienzaniso inoshandiswa ichave yakavakirwa pamafungiro akawanikwa pasi peji rino.
Ndichange ndichikanda nhamba dzakawanda zvakapoteredza, asi nditeerere. Icho chirevo chaicho chiri nyore nyore, uye kunzwisisa kunogona kuita musiyano pakati pekodzero yekubhadhara, kana kwete. Pakupera kwemuenzaniso unoratidzwa pano, uchaona kuti sei vanhu vakawanda vachiguma vachifanira kusarudza pakati pemotokari dzavo itsva uye kuva neimba yavo pachavo, uye kuti unogona sei kudzivisa kuva mumwe wavo.
Nzira Iyo Vanokweretesa Vanoona Kuti Imba Yenyu Yakadini Inobatsira Kwazvo
Vatengesi vanoshandisa zviviri zviviri zvisinganzwisisiki kuti vaone mari yakawanda yaungakwereta kutenga imba. Heino nzira yekukurumidza kuverenga.
Kuyera # 1: Kuwanda kwemwedzi yekugara kwemari kunofananidzwa nemari yakawanda pamwedzi
Nhanho 1: Nyora pasi mubhadharo wako wakakwana pamwedzi, musati watorerwa mitero, inshuwarisi, nezvimwewo.
Danho 2: Wedzera nhamba muTanho 1 nguva .28 (28%). Iyi ndiyo mari yakawanda yakakwereta iyo inoshandisa seyo mutungamiri wezvinhu zvizere zvekugara kweimba yako (guru, nharaunda, mitero yemitengo , nevhudzi vemisha yveshuwarenzi , kana PITI) inofanira kuva.
Vamwe vanokweretesa vangashandisa chikamu chikuru kwazvo (kusvika 35%, asi vanhu vazhinji havagoni kubhadhara zvakanyanya izvi kuimba, uye Ratio # 2 inowanzoita izvi kuti zvive nhanho).
Muenzaniso wehutano # 1:
Iko pamwe chete mari yako iwe nemumwe wako ndeye $ 70,000, kana $ 5 833 pamwedzi. $ 5,833 x 28% = $ 1,633. PITI yako yose haifaniri kudarika ichi.
Kuyera # 2: Chikwereti kuti uwane mari
Danho 1: Nyora pasi yako yose yemwedzi pamari chikwereti chinowedzera kwemwedzi inopfuura 11 mune ramangwana, zvakadai sezvikwereti zvemotokari, fenisi kana zvimwe zvikwereti zvitsva , chikwereti chekwereti, mari yechikwereti , nezvimwewo.
Danho 2: Wedzera nhamba muTanho 1 nguva .35 (35%). Mari yako yegore roga roga, kusanganisira zvaunotarisira kubhadhara muPITI, haifaniri kudarika nhamba iyi.
Muenzaniso wehutano # 2:
Iwe nemumwe wako mune kadhi rechikwereti mari ye $ 200 pamwedzi, kutengesa motokari ye $ 436 uye $ 508 (ona mafungiro), chikwereti chemari yevadzidzi ye $ 100 ne $ 75, kubhadhara $ 100 pamwedzi nekuda kwefenirini yawakatenga pane imwe yekwereti yekwereti uye ichabhadhara pamusoro pemakore maviri emakore, pamwedzi wekubhadhara chikwereti we $ 1,419.
Wedzerai mari yako yose mwedzi we $ 5 833 pamwedzi nguva .35 (35%). Mari yako yegore roga roga, kusanganisira PITI, haifaniri kudarika $ 2,041. Bvisa chikwereti chako pamwedzi chekubhadhara che $ 1,419 kubva pa $ 2,041. Izvi zvinokusiya iwe $ 622 pamwedzi wePITI. Bvisa mari yako inofungidzirwa uye inishuwarenzi (ona mafungiro) uye iwe wakasara ne $ 386 pamwedzi uchienda kune mukuru uye chido chekubhadhara mari.
Nzira Iyo Mari Yako Yokubhadhara Inogona Kukuchengetedza Kubva Kufanirwa Kwechikwereti
Pasi pemufananidzo uri pamusoro apa, iwe unokwanisa kuwana imba inodhura $ 61,000 (pa6,5% inofarira).
Unoona dambudziko here? Kune nzvimbo shomanana dzakasara muUnited States uko unogona kutenga imba ye $ 61,000. Chii chinokuchengetedza kuti uwane kukodzera kubhadhara mari? Mota yemari yako! Pasina ivo, iwe unokwanisa kuwana mari yekubhadhara chikwereti (PITI) ye $ 1,565 pamwedzi ($ 2,040 chibvumirwe chekubhadhara chikwereti pamwedzi usingabhadhari chikwereti chako chemwedzi pamwedzi, kwete kusanganisira motokari yemari, $ 475). $ 1,565 minus imisoro yemitero, vashandi veimba yehupfumi, uye yega mortgage inshuwarisi, inosvika $ 1,074 pamwedzi kuenda kutungamiri uye kubhadhara chikwereti. Pasina mari yekubhadhara iwe unogona kuwana imba inotora madhora 169,000.
Nzira Yaunogona Kudzivisa Dambudziko Rokusarudza Pakati Pemotokari Mitsva uye Kuva Neimba
Iye zvino, zviri pachena kuti unofanirwa kuva nekutakura, saka pfungwa apa haisi kuenda kunze kwemotokari, asi kufunga nezvekugadzirisa kwekutenga motokari itsva paunokwanisa kutenga imba kuitira kuti ugone kuronga mberi nekuita zvisarudzo zvepamusoro-kutenga motokari.
Motokari zhinji dzinoderedza kukosha kwazvo, saka kutenga motokari yemakore imwe chete kana maviri yakashandiswa inogona kukuponesa pakati pe $ 5,000 ne $ 15,000 (uchifunga kuti motokari inodhura $ 25,000 itsva). Izvi zvinogona kuchinja zvakanyanya chikwereti chako-kusvika-kuwana mari uye kukubvumira kuti uwane chikwereti chikuru chekutenga chikwereti, asi uchiri kukubvumira kuva nehana yakanaka, inenge motokari itsva.
Kutenga zvakafanana nekugadzira motokari inoshandiswa mumifananidzo iri pamusoro, asi kutenga motokari yemakore maviri panzvimbo yemutsva ingakupa motokari yemari ye $ 183 ne $ 350 pamwedzi panzvimbo ye $ 436 ne $ 508, kuitira kuchengetwa kwe $ 411 pamwedzi (kwete kuti utaure zvaungaponesa pamotokari yemotokari). Iwe unokwanisa kukwana $ 65,000 imwe imba, yeiri ye $ 128,000. Iwe unowanzoita kuti uwane dzimba dze $ 128 000 kupfuura $ 61,000!
The Bottom Line
Chinokosha ndeichi: zvinonakidza (uye zvinoedza) kuva nemotokari itsva, asi paunofunga nezvekutengeserana pakati pezvitsva uye zvitsva-zvitsva uye zvinokonzerwa nekwanisi yako yekutenga musha kana kusangana nezvimwe zvinangwa zvemari, zvakakodzera here?
Mafungiro anoshandiswa muChitsauko ichi Maonero anoshandiswa munyaya ino yemufananidzo:
Mumwe mukadzi akatenga 2003 Toyota Tundra Truck ne 4dr Access Cab SR5 4WD SB (4.7L 8cyl 4A) pamutengo wepasi we $ 26,775, pamwe ne Premium 3-in-1 Combo Radio w / CD Shandura $ 490, nzira yemugwagwa ye $ 1,005, pamutengo wose mutengo we $ 28,270. Mumwe mukadzi akatenga 2003 Nissan Altima 3.5 SE 4dr Sedan (3.5L 6cyl 4A) ane mutengo webhadhari we $ 23,149, pamwe nemutambo wemitambo (simba zuva rovira uye muchengeti wekare) ye $ 1,249, nokuda kwe $ 24,398.
Iyi mitengo yemotokari iri pedyo neyero yepamutengo yemotari yakabhadharwa muna 2002.
Iwe une chikwereti chakanakisisa uye chakakura, uye unokodzera kuwana chidimbu chechikwereti chinokwana 4.5% (yako chikwereti mapikicha inokanganisa chikwereti chako chido). Mari yako yemari yemari yemakore mashanu uye inofunga kuti iwe wakabhadhara $ 1 000 pasi pamotokari imwe neimwe, zvichiita kuti ubhadharire $ 436 yeNissan Altima uye $ 508 yeToyota Tundra.
Kana ukatenga Nissan Altima ane makore maviri panzvimbo yemumwe mutsva, mutengo wepamusoro uchange uine $ 10,400 panzvimbo ye $ 24,398 uye mutero wako wepamwe mwedzi uchange uine madhora anosvika $ 183 pahuwandu hwe6,3% uye $ 1 000 pasi (mutengo pamotokari yakashandiswa kazhinji inenge yakakwirira pane kutengesa kwemotokari itsva).
Kana wako wako akatenga motokari yemakore maviri yeToyota Tundra panzvimbo yeimwe itsva, ye $ 19 000 panzvimbo ye $ 28,270 (Toyotas haibvumiriri nokukurumidza semotokari dzeAmerica), kubhadhara kwako kwemwedzi kuchava kune madhora 350 kusvika 6,3% uye $ 1 000 pasi .
Nzvimbo yako yemitero inosvika $ 2,000 pagore, kana $ 166 pamwedzi uye weimba yako yehushuwarenzi iri $ 300, kana kuti $ 25 pamwedzi.
Iwe haugone kubhadhara chikwereti chakaenzana ne20% yehutengo hweimba yaunenge uchitenga, saka iwe uchafanirawo kubhadhara mari yega mortgage inshuwarisi , inofungidzirwa pa $ 45 pamwedzi.