Nei Mabhanho Anopa Kuchinja Kwemari?
Kana ukarega kubhadhara, bhangi ine zvingasarudzwa.
- Kuedza kudzorerazve pfuma ( kubviswa kweimba , somuenzaniso)
- Chiedza chekuunganidza (kuburikidza nekugadzirisa mubhadharo kana kubhadhara mari yebhangi ), kana kukwereta mumwe munhu kuti aite saizvozvo
- Ipai tariro uye mugamuchire kurasikirwa
- Cherechedza iwe unotaura kubhadhara uye unogamuchira zvishoma kana kuti hapana
Hapana chimwe chezviisarudzo izvi chinokwezva iwe kana bhangi. Chikwereti chako chichatambura, uye kune mari yebhadha. Mabhangi haasi mune bhizinesi rekutarisira imba, uye iwe ungangodaro usarudza kusatama.
Pane imwe nzira here? Ehe-mabhangi anopa kuchinja kwechikwereti kuitira kuti varege kuita chero chezvinhu zvataurwa pamusoro apa. Mari yechigadziro inogona kunge isingadhura uye inobhadhara mari kune mabhangi, asi kwete mumamiriro ezvinhu ose.
Ndingawana Sei Kuchinja Kwechikwereti?
Kuti uwane kugadziriswa kwemari yaunowanzofanira kubvunza. Danaidza chikwereti chako uye uvazivise nezvemari yako. Ingove wakatendeseka uye tsanangura kana iwe uchakwanisa kubhadhara iwe kana kwete. Bvunza kuti ndezvipi zvingawanikwa iwe. Kana vakaona zvinhu nenzira imwecheteyo, iwe unogona kukodzera kugadzirirwa chikwereti.
Mabhangi ane zviyero zvakasiyana zvekubvumira kuchinjwa kwekukumbira, saka hapana nzira yekuziva nguva isati yasvika kana iwe uchizokodzera - nzira chete yekuziva ndeyokukumbira.
Ndeapi Mhando Yokubhadharwa Kwemari Iripo?
Mabhangi anogona kuchinja maringe ekukweretesa kwako kuitira kuti mari yacho iwane mari yakawanda. Iko kuchinja kunogona kuva kwekusingaperi kana kwechinguva.
Chero mamiriro ezvinhu, chigumisiro chacho ndechekubhadhara mari yakakosha apo iwe unodzokera kumakumbo ako. Kuti uwane mamwe mashoko pamusoro pekugadzirisa zvinhu, verenga pazvinhu zvakasiyana-siyana zvekubhadhara chikwereti icho chaunogona kupa chikwereti chako.
Nekudzivirira kwemwedzi pamwedzi, iwe unogona kuguma uchibhadhara zvakawanda mukufarira kwemakore. Kana kushandurwa kwechikwereti kuchikuchengetedza kuti uende mukati memazuva ekupedzisira, zvingave zvakakosha mari. Zvisinei, iva nechokwadi kuti unoziva chichakubhadhara iwe uye kuti ndiyo yako yakanakisisa sarudzo - kwete nzira yokusunungura mari pamwedzi.
Mazano ekukumbira
Kuita kuti hurongwa uwedzere, gadzirira apo iwe uchikumbira kugadziriswa kwekwereti. Bhengi ichada uchapupu hwokuti haugoni kubhadhara. Unganidza zvinhu zvinotevera:
- Inowanikwa pamwedzi, uye tsanangudzo inobva kupi
- Mwedzi mitengo inoshandiswa, yakaputsika neboka (chikwereti, zvokudya, kutakura, nezvimwe)
- Paystubs
- Bank statements
- Zvirevo zvemari uye zvibvumirano
Kana iwe ukaratidza mufananidzo wemamiriro ako emari, bhagheni inogona kuita chisarudzo chekubhadhara chikwereti chako nyore nyore.
Zvinotora Nguva Yakadini?
Iwe unofanirwa kutarisira kupedza maawa anoverengeka yenguva yako uchikumbira kubhadhara chikwereti. Iwe unotarisira kubata apo iwe unoshevedza, iwe unofanira kuunza nyaya yako, uye iwe unofanirwa kuvhima zvinyorwa uye kuendesa mberi navo kubhangi.
Haisi basa duku.
Mushure mekunge makumbira kugadziriswa kwemari, iwe unofanirwa kutarisira kumirira mavhiki mashomanana bhanhire risati raita chero chinhu. Munguva iyoyo, ita izvo bhagi rinokuudza - somuenzaniso, vangareva kuti iwe unofanira kuramba uchitora zvikwereti kuti uwane chikwereti chekubhadhara chikwereti.
Mortgage Modification Abatsiri
Zvizhinji zvemabhizimisi vanoda kukubatsira iwe kukumbira kubhadhara chikwereti. Mutengo wamunobhadhara nokuda kwebasa ravo unowedzera - kazhinji sekubhadhara mari pamwedzi. Iwe haufaniri ani zvake kuti akubatsire kukumbira kubhadhara chikwereti (bhengi yako inoita chisarudzo chinoenderana nemamiriro ako emari, kwete uyo ari kukumbira).
Uyezve, iwe uchafanirwa kupa ruzivo rumwechete kune mubatsiri sezvaunoda kubhangi. Ingoshevedza bhagheni yako kutanga uye mubvunze zvaunoda kuita kune chikwereti chekubhadhara.
Kana iwe uchida kubhadhara mumwe munhu kwenguva yavo uye kutungamira, zvakanaka - ingoziva kuti haufaniri.