Kune zvakawanda zvakasiyana-siyana zvekutengesa zvinowanikwa kwauri. Kana zvasvika pakusarudza nguva yakakodzera yekubhadhara uye kusarudzwa kwekubhadhara , unoda kuongorora njodzi inobatanidzwa mune imwe neimwe yeiyo. Unofanirwa kufunga nezvekupa zvikwereti zvaunogamuchira. Iwe unofanirwa kuziva kuti iwe unogona kutenga mari yakawanda sei mwedzi imwe nguva uchibatanidza mari yekubhadhara mitero uye inshuwarisi. Iwe unongofanira kukwereta zvishoma zvishoma kuitira kuti iwe usapedzisira uri pasi pemvura paunotenga mari . Kana iwe usina chikwereti chekubhadhara iwe wakachengetedza iwe unogona kufunga nezvechikwereti cheFHA. Mabhengi anogona kupa nyore nyore kutora chikwereti chekuita , asi iwe unofanirwa kuchenjerera kuwana nguva yakanakisisa yekusarudza mari yekuchengeta mari.
01 Fixed Rate Mortgage
02 Adjustable Rate Mortgage
Chimwe chekutenga chikwereti ndechekugadzirisa mutengo wekutengesa (ARM). Ichi chikwereti chinopa chikamu chepamusoro chechido chekuda, izvo zvinoreva kuderera kwokutanga kubhadhara. Zvisinei, ARM ichagadzirisa mushure mekunge sarudzo yokutanga yapera. Chero pose apo chikwata chekufarira chichikwira saizvozvo iwe uchabhadhara. Zvakakosha kuziva kuti iwe uchada kuita mari yakawanda kuti urambe uchibhadhara chikwereti. Vakawanda vanotora chikwereti vatengesi vachasimbisa izvi uye vachakuudza kuti unogona kugadzirisa mumakore matatu kuti urege kugadziriswa, asi huwandu hwezvikwereti hunogona kunge hwakareba panguva iyoyo. Uyezve, imba yako inogona kusimuka inokosha iyo inogona kuita kugadzirisa saka nokukurumidza zvakanyanya nyore.
03 Mubhadharo Wongororo chete
Chido chekubhadhara chete ndeimwe nzira iyo inosvika pakutora chikwereti chako. Izvi zvinogona kuderedza chikwereti chako chebhadharo, uye kuwedzera kuchinja kukuru kune zvingasarudzwa zvekubhadhara. Zvisinei, iwe haugoni kuenzana nechisarudzo ichi, uye iwe unogona kuzviwana uri mumamiriro ezvinhu akaoma kana chido chekubhadhara chete chinosvika. Iwe unofanirwa kuva wakangwarira kana zvichiuya kune chikwereti chechikwereti chete. Vanhu vazhinji vachashandisa chido choga chokusarudza pavanenge vachiita chikwereti chekuvaka ndokuzogadzirisa kune chikwereti chemari kana imba ichipedzwa ichivakwa. Izvi zvinogona kuva nengozi.
04 Ndeipi Inosarudza Ndiyo Yakakodzera Kwandiri?
Kazhinji, iyo yakagadziridzwa chidimbu chetsika yekutengesa ndiyo yakanakisisa sarudzo. Kana iwe usingakwanisi kutenga imba pamakore makumi matatu negore rechikwereti nemari yakatarwa, iwe unogona kunge hauna kukwanisa kutenga imba. Pane zvinhu zvaunogona kuita kuti zvive nyore kutenga. Iwe unogona kushanda pakugadzirisa mharidzo yako yechikwereti kuitira kuti iwe ukwanise kuwana mhindu yemari inobatsira zvinoreva kuti iwe uchava nemari yakaderera pamwedzi. Uyezve, unogona kushanda pakuchengetedza chikwereti chikuru. Izvi zvinoderedza mari yaunoda kukwereta, iyo inogona kuita kuti imba yako iwedzere. Iwe unogonawo kufunga kutenga chikwata chepamusoro kana kutamira kune rimwe guta kana nzvimbo yakasiyana-siyana ine zvigadziriswa zvekugadzirisa dzimba. Iwe unogonawo kuchinja maonero ako, kunyanya pamusha wako wekutanga.
05 Private Mortgage Insurance
Pamwe mortgage inshuwarisi inofanirwa kana iwe usingaise pasi makumi maviri muzana pamusha wako. Pamwe mortgage inshuwarisi inochengetedza chikwereti, apo iwe unotadza pane chikwereti chako. Iwe unogona kudzivisa pachake mortgage inshuwarisi kuburikidza nekugadzira mari. Nokuita izvi iwe unotora chikwereti chechipiri kuti uvhare zvimwe makumi maviri kubva muzana yemari yako. Nharaunda yekuda mari yechikwereti chako chechipiri inowanzokwirira. Kana imwe nguva kuenzana kwako kwakadzika kudarika makumi masere kubva muzana iwe unogona kukumbira bhanhire kuti riongorore chikwereti chako uye kuti PMI ibudiswe. Iwe haufaniri kubhadhara izvi nokuda kwehupenyu hwechikwereti. Usavhiringidza izvi neimba yeunishuwarenzi inokuchengetedza kana imba yako ichipiswa kana kukuvara. Chero bedzi uine chikwereti, bhanhire richakumbira iwe kutakura izvi, asi iwe uchazvitenga zvakasiyana.