Kuti Cash Yakachengetedzwa Sei Mari Inoshandiswa?

Une Cash? Build Credit

Kana uchida kuvandudza chikwereti chako apo uchidzivirira kuchengetedza kwako, chikwereti chakachengetwa mari chingakubatsira kuti uite zvinangwa zvako. Iyo pfungwa inonzwika isingazivikanwi pakutanga: Borrow pamusoro pekuchengetedza kwako mubhangi - uye kubhadhara chikwereti chakawanda kune chikwereti kupfuura iwe uchiwana mari. Asi kune zvakakosha kushandisa mari yako kuti uwane chikwereti. Izvo zvikwereti zvinobatsira zvikuru pakuvaka chikwereti chakasimba , uye vanogonawo kukubatsira iwe kutarisira tsika yako.

Chii chinonzi Cash Secured Mortgage?

Mari yakabhadharwa chikwereti chikwereti chaunopikira kuburikidza nekuisa mari nemari yako. Iwe "unokodzera" chikwereti chinonyanya kukoshesa pamutengi wekwereti kutora mari kana iwe ukamira kubhadhara chikwereti.

Kuti ushandise rudzi urwu rwechikwereti, iwe uchakwereta kubva kubhangi rimwechete kana chikwerekoni umo mune mari mumari yekuchengetedza, iyo yemari yemakethe, kana chidziro chekuisa (CD) .

Nemhaka yekuti iwe uchitova nemari inowanika munhoroondo yako, kune ngozi shoma kune uyo anokweretesa. Iwe uchavimbisa kuti mari inobhadharwa , zvichireva kuti chikwereti chinogona kutora mari yacho kana iwe ukakundikana kubhadhara chikwereti sezvawakabvumirana. Semugumisiro, zvichava zviri nyore kugamuchirwa. Kana iwe usingagoni kukodzera kune mamwe marudzi emari (zvakadai sezvikwereti zvisina kuchengeteka kana makadhi emakadhi), mari yakachengetedzwa yakachengetwa ingava pfungwa yakanaka.

Maitiro Avanoita

Shandisa chero chipi zvacho: Mari yemari yakachengetedzwa inogona kushandiswa chero chinangwa chepamutemo.

Asi zvakanakisisa kuisa mari kune chimwe chinhu chaunonyanya kuchida kana chichaunza kudzokera pane yako yekutsvaga (zvakadai sekuvandudza imba yako). Mari yechikwereti inogona kuuya nemafomu emari, kana kuti iwe unogona kushandisa mutsara wechikwereti (nemari yakachengetwa kadhi rechikwereti, somuenzaniso).

Nharo dzekukwikwidza: Unobhadhara chikwereti kunyange zvazvo mutengi wako atova nemari yekuvimbisa chikwereti.

Zvisinei, chikwereti chaunokwereta iwe uchibhadhara pamari yakachengetedzwa yakaderera pane zvauchabhadhara zvimwe zvikwereti. Kunze kwekuti iwe une chikwereti chakakwirira, iwe uchawana mukana uri nani nezvikwereti kupfuura kune makadhi emakwereti kana zvikwereti zvisina kudzivirirwa . Zvakare, njodzi kune waunokweretesa yako shoma, saka mari yako kune yakaderera.

Fixed rates: Nhamba dzenharaunda dzinowanzogadzirirwa kune zvikwereti zvaunotora muhomwe yemari, saka kubhadhara kwako kunoramba kuri kwekufanana kwenguva. Iwe hautori matanho akafanana anouya nehuwandu hwehuwandu , zvakadai sekubhadharwa kubhadhara kunowedzera. Kunyanya kana zvikwereti zvakaderera, kuwana imwe yakasarudzwa kwemakore anoverengeka kunogona kukubatsira iwe kana kuunganidza kwako kunotanga kuwana zvakawanda. Kana ukashandisa mari yakachengetwa kadhi rechikwereti, iyo yezinga ichave yakasiyana.

Ngani? Dzimwe mabhenji anokubvumira kubhadhara chikwereti chakakwana chawakachengeta uye chakavimbisa sechibvumirano. Vamwe vanogadzirisa chikwereti kukoshesa chiyero kusvika kune 90 muzana (kana pasi). Semuenzaniso, kune $ $ 100 muakaunti yako, vangangokubvumira kubhadhara $ 90. Kana chinangwa chenyu chikuru ndechekuvaka chikwereti, haudi chikwereti chakakura-zviuru zvuru zvemadhora zvakawanda, uye zvinowanzovhura nemarikiti iduku kudarika iyo. Dzimwe mabhengi anopa mari yakachengetwa zvikwereti kusvika kusvika ku $ 100,000 - iyo yakawanda mari inobva kune bhangi yako kana chikwereti chebato.

Mitsara pfupi: Mari yakawanda yakachengetwa zvikwereti inouya nemashoko mashoma . Makore gumi kana zvishoma zvakajairika. Izvi zvikwereti zvakakunakira kukubatsira kuburikidza nenguva dzakaoma nekuvandudza chikwereti chako chikoro. Kana uri kutarisira chikwereti chemakore makumi matatu nemakumi matatu, mari yakabhadharwa chikwereti haisi iyo yakakodzera.

Zvipo zvekubhadhara: T o kubhadhara mari yechikwereti chemari, iwe kazhinji unowedzera kubhadhara mwedzi pamwedzi pamusoro pemutengo wemari yako. Chikamu chebhadharo chimwe nechimwe chinoderedza chikwereti chako chemari chikwereti, uye zvakasara ndiyo inodhura mari yako. Kuti uone kuti izvi zvinoshanda sei, verenga pamusoro pekugadzirisa . Tarisa dzimwe nhamba iwe pachako uye uronga chikwereti chako .

Zvisinei, kune kusiyana kune zvikwereti. Zvimwe zvikwereti zvinowanikwa nenzira yakachengetwa makadhi emakadhi kana mamwe mhando yemitsara yechikwereti .

Zvimwe zviduku: Y kana haafaniri kuenda kumhanya kuti atore mari iyi.

Kana iwe uchingotanga kuvaka (kana kuvakazve) chikwereti, bvunza nezvekukwereta mashoma madhora madhora. Chikwereti chiduku chinenge chisina mutoro pamari yako. Iwe hausi kuvhara chero mari yakawanda kupfuura iwe unofanirwa, uye iwe unogona kuchengetedza chikwereti mari shoma.

Sei Usingazvipi Mari Yako?

Unogona kushamisika kana pane chinangwa chekutora chikwereti kana wawana kare mari iripo. Mune zvimwe zviitiko, kupedza mari yacho inzira yakanaka: Iwe hauzobhadhara chikwereti, unoita kuti chikwereti chako chive mutoro chiduku , uye hausi pangozi ipi zvayo kukuvadza chikwereti chako kana ukarega kubhadhara.

Zvisinei, kushandisa idzi zvikwereti kunogona kubatsira.

Kuvaka chikwereti: Kana iwe uine chikwereti chakashata (kana iwe hauna kumbobhadhara munguva yakapfuura saka chikwereti chako "chakaonda"), zvikwereti izvi zvinogona kuva dombo rinokurumidza kusvika kune chikwereti chakawedzerwa . Nguva dzose kana iwe uchibudirira kubhadhara chikwereti, chikwereti chako chinowedzera (kufunga kuti chikwereti chinoshandiswa kune masangano ekubvisa chikwereti ).

Kusabhadhara kubhadharwa mari: Kana iwe uchizobhadhara chido chokuvaka chikwereti, zvinobatsira kuita zvimwe zvezvikwereti. Zvechokwadi, iwe unongofanira kukwereta uye kubhadhara mubereko kana uri kuwana mamwe mazano. Paunoshandisa mari yako sechibvumirano, mari inovharwa kusvikira chikwereti chave chabhadharwa (iwe unogona kukwanisa kuwana imwe yacho mushure mekunge wakabhadhara chikwereti chikamu). Panguva ino, mari yako inoramba ichiwana mubereko , asi iwe unowana mari shoma pane iwe unobhadhara chikwereti.

Ramba uchichengetedza zvakasimba: Panewo hutsika hunobatsira. Kana iwe uine nguva yakaoma kuchengetedza mari, zvingasava chikonzero chakanaka chekubudisa mari yako yekukurumidza (nekuti ipapo iwe uchada chirango kuvakazve, uye unofanira kutanga kubva zero). Kukwereta mari yako kunopa chimiro chinokukurudzira kuti uite zvikwereti zvinodiwa, nekukuodza mwoyo kubva kushandisa makadhi emakadhi kuti ubhadhere pane zvinokurumidza. Kana imwe chikwereti ichibhadharwa, iwe uchine huwandu hwemari inowanikwa mune ramangwana.

Zvikwereti zviri nani mune ramangwana: Pakupedzisira, musiyano pakati pezvaunowana uye zvauribhadhara ndiwo mutengo wekuvandudza chikwereti uye kubatsira kwepfungwa. Kana ukashandisa zvikwereti zvakakura munguva yemberi (kutenga imba kana motokari, somuenzaniso) urongwa hunogona kubhadhara. Kana iwe uine chikwereti chiri nani uye mari yakawanda yebhadharo yakakura (nokuti iwe wakachengetedza mari yako yakakwana), unogona kukodzera kuti uwane huwandu huri nani kune iyo zvikwereti chikuru. Nhamba iyo inogona kuita kuti zvive zvakanyanya kuderera zvido zveupenyu muupenyu.

Mazano Okuvaka Chikwereti

Kana chinangwa chenyu chikuru ndechokuvakazve chikwereti, ita nechokwadi chokuti chikwereti ichocho chichashanda iwe.

1. Iva nechokwadi chokuti wako chikwereti anounza zvikwereti kune mari yechikwereti, zvisinei kuti hakuzovi nemigumisiro kune chikoro chako chikoro.
2. Iva nechokwadi chokuti chikwereti icho chaicho chinoratidzwa nekuongorora chikwereti chako nguva nenguva (yakasununguka kune vashandi ve US).
3. Tora mari yako mu-nguva - kubhadhara kwekupedzisira kunokuvadza chikwereti chako, kuchisiya iwe nebasa rakawanda rokuita gare gare.