Kwete Chete "Manyepo Mhiko"
Zvisinei, vamwe vanhu havagoni kubudisa magwaro anodiwa. Kwavari, zvikwereti zvakaderera (kana zvisiri-zvinyorwa) zvinonakidza, uye iyo zvikwereti zvinowanikwa kune vamwe.
Zvikonzero zveDhodhi Dhairiro Zvikwereti
Kune zvikonzero zvakasiyana siyana zvaungasakwanise (kana uchida) kupa ruzivo kumunhu anokweretesa. Semuyenzaniso:
- Vashandi vekuzvidzivirira vanofarira kuratidzira mari shoma pamutero, asi izvi zvinopera apo paunenge uchikumbira zvikwereti
- Vashandi vaduku vane nhoroondo yebhadharo shoma, kana kuti hapana mhemberero
- Vatsva bhizimisi vatsva havagone kuratidza nguva yakare yekusagadzikana kwekuwana (makore akawanda 'zvakakosha zvinowanzodiwa)
- Vakasununguka nemari yekuwana mari
- Zvaunoda zvigadziro zvinoreva kuti iwe uchengetedze huwandu hwekuwana iwe pachako
- Kutsvaga uye kuronga magwaro zvakaoma zvikuru
- Imari yako kana zvinhu hazvina kunyorwa mune chero nzira inogamuchirwa kune uyo anokweretesa
Kufanirwa Pasina Zvinyorwa
"Mazuva ekare ekare" ezvidzidzo zviri nyore apfuura. Pamberi penhamo yezvemari yakapinda muna 2008, unogona kungoudza chikwereti chako chemari kuti unowana mari yakawanda sei, uye zvishoma kana uchapupu hwakadikanwa. Izvo "zvakataurwa mari" (inozivikanwawo se "chikwereti chenhema") haichisirizve pachena.
The Consumer Financial Protection Bureau (CFPB) ikozvino inoda kuti vatengi vave nechokwadi chokuti iwe unokwanisa kubhadhara zvikwereti zvinogamuchirwa - kana chikwereti chiri "chikwereti" chekwereti. Asi vamwe vanokweretesa vanoda kuda kushanda kune vasina-qualifying mortgage space.
Cherechedza kuti vateresi ava havatarisiri kudzokera shure muna 2006 - havafariri kubudisa zvikwereti zvepa subprime vachishandisa nhamba dzisina kururama.
Zvisinei, ivo vanofarira kushanda nevanhu vane mano okubhadhara (asi vachishaya kukwanisa kunyora mari yavo nemari mumagariro evanhu).
Kuti ukwanise kubhadhara zvikwereti izvi, iwe unofanirwa kuva chikwereti chinokwezva, uye maitiro ari pasi apa achakubatsira iwe.
Zvakanaka (kana chikuru) chikwereti: zvakare, pasi-nyora zvikwereti zvepapriprime zvinhu zvekare. Vatengesi vanongoda kugadzirisa ruzivo ruduku kana iwe uine chikwereti chikuru chikoro (pamusoro pe77 ndiyo nzvimbo yakanaka yekutanga). Izvozvo zvakati, kana zvimwe zvinhu zvose zviri mukanaka, maitiro mashomanana pamusoro pezvikwereti zvekwereti haagoni kuparadza chikamu.
Mutsva: mari inowanikwa nguva dzose inobatsira kuti uwane mvumo kune chikwereti. Asi vasiri vadzidzisi vangave vakakodzera vangave vakanyanyisa kuongorora kuwanikwa kwenyu. Kana iwe uchikwanisa kuita nyaya yako (kunyange iwe usingakwanisi kubudisa W2), unogona kugamuchirwa.
Nhaka: kuva nemari yakawanda yekuchengetedza kunobatsirawo nyaya yako. Mabhizimusi makuru uye maakareji ezvikwata zvekutsvaga angashanda se "nzvimbo dzekuchengetedza" iwe unogona kupinda mukati kuti urambe uchibhadhara. Vatengesi vangave vakanyanyisa nezvemari kana iwe wakasimba pazvinhu.
Equity: vateresi vanoda kufambisa ngozi dzavo, nekuona kuti mune ganda mumutambo. Kana iwe ukaita chikwereti chakakura, iwe une mikana iri nani nekunyorera zvikwereti zvinyorwa.
Kana zvikwereti zvikwereti, 20% yakakwana, asi 40% kana kupfuura inogona kudiwa nevasina kukodzera. Iwe unogona nguva dzose kuisa iyo kuenzana kushandisa imwe zuva gare gare.
The Cost
Hapana chimwe chinhu chakadai sekudya kwemasikati. Sezvo iwe usisiri kuratidza kuti iwe unokwanisa kubhadhara uchishandisa zvinyorwa zvakajeka, vateresi vari kutora ngozi yakawanda. Vaya vatengesi vari kutorawo mhirizhonga yakawanda kuburikidza nekushanda mujeri (asi vachiri mumutemo) nzvimbo. Somugumisiro, mutengo wakakwirira.
Tarisira chikwata chekudarika chinenge chikamu chimwe chete kubva kune imwe chikwereti chakaderera chemagwaro. Zvimwe zvikwereti zvekushanda zvingave zvakare zvinokonzerwa. Kana iwe uchitsvaga nzira iri nyore yekukumbira chikwereti, izvi zvingave zvisingazogadziriswa ( tsvaga iyo yakadzoka yemitero yekare uye paystubs ). Asi kana iwe uchinge wapinda muzvikwata zvakataurwa pamusoro apa, ingangodaro iwe unogona kusarudza uye uchiri kukoshesa mutengo.