Zvinosuruvarisa, hazvisi nyore sezvazviri. Kuronga kwakanaka uye unyanzvi hwokuzivikanwa zvakakosha, asi gwara guru rinogona kunge riri mari - inotora mari kuita mari.
Saka iwe unowana sei mari?
Vashandi vemunharaunda vari voga, kusanganisira vanhu vaunoziva uye vane mari yakaoma vatengesi, ndiyo yakanakisisa yekupa zvikwereti zvekuputira dzimba. Vaya vatengesi havadi nguva yakafanana yenguva uye mapepa semabheji emagariro. Panzvimbo pezvo, vanoongorora nzvimbo iyo pachayo (zvose zviri mberi uye shure kwekuvandudzwa) uye kukwanisa kwako kugona kubudirira purojekiti yacho.
Mari Yokubhadhara Imhosva Yokupedza Imba Here?
Mari yechikwereti yemusha chaiyo haichizove iyo nzira yekutsvaga mari yekutsvaga - kunyanya kana iwe uchitanga.
Zvakanaka ndezvokuti chikwereti kubva kumabhangi uye vatenzi vemazuva ano hachina mari shoma: mutengo wezvikwereti uri pakati pepasi-pasi iwe uchawana zvekutsvaga mari (asi iwe uchatofanira kubhadhara mari yekuvhara ). Zvinosuruvarisa, idzi zvikwereti hazvisi nguva dzose zvinobatsira.
Slow to close: Chimwe chematambudziko makuru nekushandisa mutsika chikwereti ndiyo nguva inotora kupedza chikwereti.
Vatengesi vanoda kuti iwe uzadze shanduro yakadzika, uye ivo vachapfuura nemari yako nemakisi akanaka . Kana vakaona chero chinhu chinomutsa mibvunzo, vachakumbira mamwe magwaro, uye ivo vachatora nguva yakawanda yekudzokorora maitiro enyu. Izvi zvinotora nguva isingapfuuri makumi matatu (mazuva makumi mana kana makumi matatu nemakumi matatu nemashanu) zvingave zvakanyanya kuitika), uye mikana yekutsvaga mari inowanzofambisa zvakananga kune iyo nguva.
Kunyanya kana foreclosures kana pfupi kutengesa iri chikamu cherongwa hwako, iwe unogona kunge uchivhiringidzika nekukurumidza kwevatenzi vemazuva ano.
Kuongorora mari: Vashandi vechigarire vanogadzirisa zvikwereti zvavo zvekukwereta pamusoro pekugona kwenyu kubhadhara chikwereti. Vachatarisa kuti iwe unowana mari yakawanda sei mwedzi mumwe chete kana uchienzaniswa nezvinodikanwa pamwedzi wekubhadhara chikwereti kuti uverenge chikwereti chemari inowanikwa . Kana iwe uri mubhadhadzi wezvivako kana kuti iwe pachako uchishanda, iwe ungasava nemhando ye "mari" yavari kutsvaga (vatengi vanofarira kuona ma-W-2 mairi uye kubhadhara stubs).
Ndechipi mari iyo inokosha? Vatengesi vanofananidza kukosha kweimba yauri kutenga chikwereti chaunenge uchikumbira. Anozivikanwa semutero wekukoshesa chiyero , vanhu vanowanzopa chikwereti vanowanzoda kuchengeta nhamba iyoyo pasi pe80 muzana, kunyange zvichibvira kuwana FHA zvikwereti zvishoma ne 3.5 kubva pasi. Paunenge uchitsvaga imba yekuputika, zvichida hazvikwanisi muhutano huripo - asi iwe unoda mari yakakwana yekutenga pfuma uye kubhadharira zvigadziriswe, izvo zvingave zvakapfuura zvinopfuura imba zvakakosha. Imba yacho mushure mekugadzirisa kukosha (ARV) inogona kunge iri nani, asi vatenzi vemazuva ano vanongotarisa kukosha kwezvinhu zvinoonekwa.
Chikwereti chechikwereti: vazhinji mabhengi uye vateresi vatengesi vanoda kuti iwe uve nechikwereti chakasimba kuti uwane mvumo kune chikwereti.
Iwe unogona kunge usina huro hwekukwereta, kana iwe unogona kuva nezvinhu zvisingafadzi mumakero ako emarikiti - asi izvozvo hazvirevi kuti haugoni kubudirira flip dzimba. Vamwe vanokweretesa vanonyanya kufarira mapurogiramu enyu apfuura kupfuura iwe chikwereti chikoro.
Matambudziko neimba: Vatengi vezvigadzirwa zvekare vanofarira kupa zvikwereti kune dzimba dziri mumamiriro ezvinhu akanaka. Kana pane hutano kana kuchengeteka, chikwereti hachina-kuenda. Iwe unogona kuronga kugadzirisa matambudziko iwayo, kuwedzera zvakanyanya kukosha kwemusha kune purogiramu, asi vatengi vanofarira zvikuru kupa chikwereti kune dzimba dziri kufamba-dzakagadzirira.
Hazvibviri Here? Zvinokwanisika kushandisa zvikwereti zvemhuri zvekugara flip mumba, kunyanya mumamiriro ezvinhu anotevera:
- Iwe une zvinhu zvinokosha izvo zvichakubatsira iwe kukodzera - pasinei nokuti zvinoshandiswa sezvibvumirano kana chikamu chekubhadhara pasi.
- Iwe hausi kunyatso "flipping" imba. Paunotenga nzvimbo yekugara (iwe uri muridzi / wekugara), unogona kuwana mari yekutenga nekuvandudza uchishandisa chikwereti cheFHA 203k . Zvisinei, iyo nzira inononoka uye inouya nemitemo yakawanda.
- Iwe une huwandu hunokosha pane imwe nzvimbo inogona kushandiswa pamusha wekodzero yemari yechikwereti (kana zvimwe zvinhu, kusanganisira redzimba, iyo inogona kushandiswa sezvikwata). Ramba uchifunga kuti iwe unogona kurasikirwa nepfuma iyoyo mukutsvaga kana iwe usingagoni kuchengetedza zvikwereti, naizvozvo sarudzo iyi inokuvadza (kunyanya kana mhuri yako inorarama pane iyo pfuma).
- Iwe une ruzivo nemapurogiramu akabudirira munguva yakapfuura. Iwe unogona kukwanisa kutenga zvikwereti zvezvikwereti zvemuzinda kubva kumabhangi uye zvikwereti zvemakwereti kana iwe uchivavimbisa kuti uri bhizimusi chaiyo nevashandi vanoziva, basa rakasimba, uye mari.
- Unogona kuwana zvikwereti zvisina kuchengetedzwa. Kana iwe ukakwereta usina kutora chibvumirano, ungakwanisa kushandisa zvikwereti semakadhi emakadhi kuti uwane mari yekuvandudza. Iwe uchiri kuda mari yekutenga iyo pfuma, asi mari yakawedzerwa inogona kubva kune chikwereti chisina kuchengetedzwa . Iri sarudzo inengozi nokuti makadhi emakwereti anonyanya kuodhura, uye purojekiti yako ichasvika pakugumburwa kana chikwereti chenyu chekwereti chakatemwa kana chando chisingatarisirwi (pamwe chete iwe unoda zvikuru zvikwereti zvikwereti).
Mari Inosungirirwa Kwekupfambisa Imiti
Mari inobva kune vakweretesi vega yega inogadzirisa matambudziko akawanda pamusoro apa. Iko kukonzera kukuru kunodhura, asi chinangwa ndechokuti kushandisa idzi zvikwereti zvigadziriswe. Mari nezvikwereti zvinogona kuwanikwa kubva kune imwe nzvimbo, asi zvikwereti zvakawanda zvinokonzera zvikwereti zvikabatanidzwa mumapoka maviri akazara:
- Mari dzevanhu vamunoziva
- Mari yakabhadhara mari
Kana uchitanga, zvichava zvakaoma kuwana chero munhu anoda kukupa mari - vanhu vanokuziva iwe (uye uyo angave asina mari yakawanda kana kushivirira kune njodzi) ingave yako chete yekusarudza. Zvichida, iwe unogona kuisa mari yako yekutanga mazana maitiro ako pachako.
Vakai mambure: Shingairira munharaunda yekutengesa dzimba. Nokufamba kwenguva, uchasangana nevanhu, uye iwe uchadzidza kuti ndiani anogona kukwereta mari. Uyezve, vanhu vachakuziva. Vamwe varairidzi, vashandi vepfuma, uye vateresi vepachivande vanoona kuti wakazvipira kuita bhizinesi rakabudirira (kwete kutaura nezvekodzero), uye mikana yako yekuwana chikwereti ichavandudza.
Pakupedzisira, unofanirwa kutanga kutora chikwereti kubva kune akaoma mari vatengi . Vaya vatengesi vanonyanya kukoshesa zvikwereti zvekukanda uye zvimwe zvikwereti, uye ivo vakasiyana nemabheji emagariro.
Kuvhara nekukurumidza: Nesangano rega rega, iyo nzira yakasiyana, uye chikwereti chako chinogona kubhadharwa zvakanyanya nokukurumidza (vhiki kana kuti zvinonzwisisika kana iwe uine hukama hwakanaka neunyanzvi wemarikiti). Kufamba nekukurumidza kunogona kuva kukwikwidzana kana mumwe munhu akatarisa kuwana nzvimbo kubva mumaoko avo.
Asset-based based loan: Panzvimbo yekutsvaga zvikwereti zvekwereti uye kuverenga mari yemari, vateresi vega vega vanowanzotarisa kukosha kwezvinhu zvamuri kutenga. Kana iwe uri kutarisa dzimba, uyo anokweretesa anoda kuziva kuti vanogona kutengesa imba nokukurumidza kuti vadzorere mari yavo (sevamwe vatengesi, vateresi vega voga vachava nechisungo paimba , vachivabvumira kutenga nhaka yeimba vagotengesa kana iwe haubatsiri chikwereti).
Kutenga uye kuvandudzwa: Vashandi vemunharaunda vari mubhizimisi rekugara kune vashandi uye nekugadzirisa mari yako iripo pane ARV yeprojekti. Asi vangave vasina kukupa zvinhu kamwechete - iwe unogona kutora kubva kune imwe nhamba yekupemberera sezvo purojekiti yako ichifambira mberi.
Kufamba pasina mari? Kusvikira iwe uine mapurojekiti mashomanana akabudirira pasi pebhanhire rako, vateresi vanoda kuti iwe uve nehuwandu mune rimwe purojekiti. Pane imwe nguva, unogona kukwereta 100 muzana yeprojekti uye une mapurogiramu akawanda anoshanda panguva imwe chete.
Mari Mibairo
Mari dzekufambisa mapurogiramu dzinodhura kupfuura mari yekubhadhara mari. Inhara yekutora yakakwirira, uye iwe kazhinji unofanirwa kubhadhara huwandu hunoti kana kuti mari yepakutanga (imwe pfungwa imwe yezana yemari yako yekwereti ).
Kufambisa mapurogiramu mapurojekiti epfupi. Iwe hausi kuzorarama mumusha kwemakumi emakore, saka mutengo wemakore gumi nemashanu kana makumi matatu wemakore ekutenga hausi chikwereti chakanaka chebasa racho. Vatengi vanowanzotenga kutenga, kuvandudza, uye kutengesa imwe nzvimbo mukati megore rimwe chete kana kuti zvishoma, uye ndiyo ndiyo nzira yakawanda yemari yekushandira chikwereti. Izvo zvikwereti zvinodhura kana iwe uine pfuma kwenguva yakareba, uye izvi zvinonzwisisika nokuti chikwereti chekwereti chinowedzera sezvaunonoka kubhadhara.
Zvinorevei kukwereta kubhadharira? Zvinodhura zviri pasi rose, uye zvose zvinotaurirana. Nharaunda inogona kunge iripo pakati pe8 kusvika ku20 muzana pagore, uye iwe unofanirwa kubhadhara 1 kusvika 10 muzana mberi. Kana iwe uchiri mubhizimisi, uye zviri nani ukama hwako nevakweretesi, zvishoma iwe ucharipa.
Kuti uwedzere mari inowanikwa purojekiti yako, vateresi vanowanzobvumira kubhadhara chete-kubhadhara mari , uye hakufaniri kuva nemhosva yekubhadhara kuitira kuti iwe ugone kutengesa uye kubhadhara chikwereti pose pawakagadzirira.