Terminology
Chokutanga, ngatitsanangurire izwi rinoshandiswa. Kusiyana kwemitauro kunowanzoita nzvimbo. Dzimwe dzinoshandisa izwi rokuti "escrows", asi vamwe vanoshandisa izwi rokuti "impounds". Izvi ndizvo zvimwe chetezvo uye mazwi iwayo achashandiswa zvakasiyana-siyana mukati meiyo mazano.
Chinhu chokutanga kucherechedza nekusimbisa ndechokuti mari inopinda munyaya inoshandiswa haisi mari yekuita chikwereti. Ndiyo mari yako. Ichashandiswa kubhadhara yako pfuma mitero uye yako inshuwarisi.
Pakupera kwechikwereti, kana iwe uchigadzirisa kana kutengesa imba yacho, unowana chero mari yakasara mubhuku racho. Mukwereti anodiwa kuti akutumire cheki mukati memazuva makumi matanhatu ekubhadhara chikwereti.
Kunyange zvazvo nhoroondo yakagadzirirwa yakagadzirirwa kuchengetedza chikwereti, inogonawo kubatsira kune akakwereta.
Nokubhadhara mari huru-yekutengesa mari zvishoma nezvishoma mugore rose, vateresi vanodzivisa kutyisidzira kwekusimudzira kubhadhara zvikwereti zvakakura kamwe kana kaviri pagore uye vanovimbiswa kuti mari yekubhadhara zvikwereti izvi zvichavepo kana vachichida.
Nokuda kwekubhadhara kubhadhara vakweretesi, nhamba ye escrow kazhinji haisi kusarudza.
Kubvira pakaderera kubhadhara vanokweretwa vanoonekwa sevari mungozi yepamusoro nekuda kwedanda ravo redu riri pasi padzimba, vanokweretesa vanoda humwe hutano hwekuti hurumende haigoni kutora iyo pfuma nekuda kwekusabhadhara kwemitero yemitengo, uye kuti vakwereta vakunda ' Tisava nevhudzi vemishonga inshuwariti munharaunda iyo nzvimbo yacho yaparara.
Mune mamwe mazwi, kana iwe uri kuisa zvishoma pasi pe20% pasi unogona kutarisira kuti UYE UNOFANIRA nemari yako yekutora chikwereti kuti uwane kambani ye escrow.
Chii Chinodhura Mari (Escrows uye Impounds)
Kubhadhara mari inoshandiswa kana zvinhu izvo mubhadhadzi wemari anokwereta pakuvhara vasati vanyatsokodzera. Izvo zvinodiwa kuti tive nekambani yekukwidza kana kuti kugadzirisa kambani yekutengesa kwekambani.
Kugadziriswa kunogona kusanganisira mitero, inshuwarisi yengozi, yega mortgage inshuwarisi uye kuongororwa kwakakosha
Nhoroondo yakakosha (iyo inonziwo nhamba yekusimudzira, zvichienderana nekunogara kupi) inongova nhoroondo yakachengetedzwa nekambani yekubhadhara mari kutora inshuwarisi uye kubhadhara mitero inokosha kuti iwe uchengetedze imba yako, asi haisi yepamusoro chechikwata chekutengesa.
Iko chikwereti chinoparadzanisa mari yegore negore yemarudzi ose ehushuwarenzi mumwedzi wegore negore uye inowedzera iyo kubhadhara mari yako.
Mapurisa ako Anobata Sei Cash Kurega
Kudyara kwako kunopesana zvichienderana nenguva yegore umo iwe unovhara chikwereti chako kana uchienzanisa nemwedzi umo mitero yako yomutengo inokodzera.
Kana iwe ukavhara pane chikwereti munaFebruary, haungatori chikwereti chako chekutanga pachikwereti ichocho kusvika munaApril kutanga. Kana nzvimbo yako yemitero inowanikwa munaJanuary ichave ichangobva kubhadharwa. Izvi zvinoreva kuti kutora kwako kwekutanga kunenge kudiki.
Muteveri wako ane nguva yakawanda yekuunganidza zvikwata mberi kwekubhadharwa kunotevera.
Pane imwe nzvimbo ye $ 500k, iyo inenge $ 2 000 yemitero yemitengo kunyange mune imwe nharaunda yemutero, uye kana inshuwarisi yako iri $ 1200 pagore, iwe uchasvika kune imwe $ 400 yeiyo. $ 2400 muchikwereti chinyorwa.
Vanishuwarenzi veimba yako vanogara vachibhadhara zvakakwana pamwe nemwedzi miviri kana uri kutenga imba.
Uchishandisa imwechete $ 500 000 chikwereti, fungidzira iwe wakanga uchivhara pakugadzirisa muna October. Iwe pakutanga wakatenga munaFebruary. Iwe uri kungoita mahomwe maviri (December naJanuary) usati yema inshurenzi inokonzerwa, saka iwe unowedzera huwandu hwehu inshuwarisi chete $ 1000 ye inshuwarisi.
Iwe unofanira kuenda ne $ 3000 kuti ubhadhe hafu yekutanga yeimba yako yemitero, pamwe chete nokuti iwe unongova nemari mbiri chete chikamu chechipiri chisati chaitika, imwe ye $ 3000, kana mwedzi mitanhatu kubhadhara iyo. Zvose zvakakodzera, $ 7000.
Mari iyo yakatarwa inotora chikwereti inofunga kuti sekubhadhara kwavanoita pamwedzi kunenge kuchiri kuchinja - ichi ndicho chimwe chezvinhu zvikuru zvakakosha nezvikwereti. Sezvo vashandi vemunishuwarenzi nemitero yemitengo inogona kuchinja, mwedzi wekubhadhara mari inogona kuchinja.
Kune vazhinji veimba, zvikwereti zvinotora chikwereti ndezvakaipa zvakakosha.
Pasina ivo, vateresi vangave vasingadi kupa zvikwereti kune vanokwereta vane madhora pasi.