Mashandisiro Aungaita Imari Yakabhadhara

Mari Inobatsira Vanhu Vose

Imwe chikwereti chemari chikwereti chikwereti chakaitwa nomunhu kana bhizinesi iyo isiri tsika yekubhadhara chikwereti. Pasinei nokuti uri kufunga kubhadhara imba kana kukwereta mari, zvikwereti zvemunhu pachake zvinogona kubatsira munhu wese kana zvikaitwa zvakanaka. Zvisinei, zvinhu zvinogonawo kufamba zvakashata - nekuda kweukama hwako uye mari yako.

Sezvaunoongorora chisarudzo chekushandisa (kana kupa) chivako chemari, chengetedza mufananidzo mukuru mupfungwa.

Kazhinji, chinangwa ndechokugadzira kukunda-kukunda sarudzo umo munhu wose anowana mari pasina kutora dambudziko rakawanda.

Private mortgage or hard money? Peji ino inonyanya kutaura nezvemari yekubhadhara mari kune mumwe munhu waunoziva . Kana uri kutarisa kukwereta kubva kune vasiri vendere (iwe usingazivi iwe pachako), verenga pamusoro pemari yakaoma mari . Vashandi vemari mari yakaoma vanoshanda kune vashandi uye vamwe vane nguva yakaoma yekugashiriswa nevashambadzi venhema. Vanowanzokodhura kupfuura mamwe matanho ekutengesa uye vanoda kuterera kweVARV .

Nei Uchifanira Kuenda Uri Woga?

Nyika yakazara nevakweretesi, kusanganisira mabhizimusi makuru, masangano emakero emunharaunda, uye vatengesi vepaIndaneti . Saka sei uchangobva kuzadza chikumbiro uye kukwereta kune mumwe wavo?

Kufanirwa: Kutanga, vateresi vangasazokwanisa kukweretesa chikwereti kubva kune chikwereti chetsika. Mabhangi anoda mabhuku akawanda , uye dzimwe nguva mari yako haifaniri kutarisa nzira iyo bhaganisi inoda. Kunyange kana iwe uchikwanise kubhadhara chikwereti, avo vanowanzopa chikwereti vanodikanwa kuti vaone kuti iwe unokwanisa kubhadhara, uye vane zvirevo zvakakwana kuti apedze kuongorora ikoko.

Semuenzaniso, vanhu vanozvishanda havawanzove nemazita eW2 uye nhoroondo yebasa yakagadzikana iyo inokweretesa, uye vechidiki vangave vasina ruzivo rwechikwereti (kunyange zvakadaro).

Zvichengetedze mumhuri: Chikwereti pakati pemhuri yako chinogona kugadzirisa mafungiro emari.

• Vanokwereta vanogona kuchengetedza mari kuburikidza nekubhadhara chidimbu chechikwereti chakaderera kumhuri dzemhuri (pane kubhadhara mari yebhangi kuwanikwa). Ingova nechokwadi chekutevera mitemo ye IRS kana iwe uchida kuchengetedza mazana pasi.

• Vatengesi nemari yakawedzera pamaoko vanogona kuwana zvakawanda nekukweretesa kudarika zvavanowana kubva kubhengi mabhengi seCD uye mari yekuchengetera .

Kunzwisisa Matambudziko

Upenyu hwakazara nezvinoshamisa, uye chero chikwereti chinogona kuipa. Zvechokwadi, munhu wose ane vavariro dzakanaka, uye izvi zvinowanzoita sechinhu chikuru pavanouya pakutanga mupfungwa. Asi peta kwenguva yakareba zvakakwana kuti ufungisise nyaya dzinotevera usati wanyatsopinda mune chimwe chinhu chichave chakaoma kusunungura.

Ukama: Ukama huripo pakati pomunhu akwereta uye mutengesi hunogona kuchinja. Kunyanya kana zvinhu zvikaoma kumunhu anenge akwereta, vateresi vanokwanisa kunzwa zvakanyanya kudzvinyirirwa uye mhosva. Vatengesi vanotarisanawo nezvinetso - vangave vachida kusarudza kana vakamanikidza kuita zvisungo kana kutora kurasikirwa.

Kukweretesa kunokonzera kukweretesa: Chirevo chingave chokuita chikwereti (nekutarisira kubhadharwa), asi zvinoshamisa zvinowanikwa. Ongorora kukosha kwekwereti kukwanisa kuzviisa pangozi (kusagona kubvisa pangozi , njodzi yekubhadhara , etc.) tisati taenda mberi. Izvi zvinonyanya kukosha kana vamwe vakatarisira kune chikwereti (vana vanotarisira kana vakaroorana, somuenzaniso).

Imba inokosha: Real estate inodhura. Kusiyana kwekukosha kunogona kuenzana nemakumi (kana mazana) zvezviuru zvemadhora. Vatengesi vanofanira kuva vakasununguka nemamiriro ezvinhu epamba uye nzvimbo - kunyanya nezvose zveavo mazai mune imwe tswanda.

Maintenance: Zvinotora nguva, mari, nekucherechedza kuchengetedza pfuma. Kunyange neine muongorori akanaka, nyaya dzinouya. Vatengesi vanofanira kuva nechokwadi chokuti iye anogara kana kuti muridzi achagadzirisa zvinetso vasati vabuda uye vanogona kubhadhara kuchengetedza.

Nhaurirano dzenyaya uye kurongeka kwebhadharo: Anokweretesa anofanira kushevedzera kuti awane chikwereti nechikwata (ona pasi apa). Kana munhu akakwereta achiwedzera mamwe matanho (kana mumwe munhu akaisa paimba), iwe unoda kuva nechokwadi chokuti uyo anokweretesa anopiwa chikwereti kutanga. Zvisinei, iwewo unoda kutarisa chero nyaya chero ipi zvayo usati watenga nzvimbo. Mutengo wekutora chikwereti chikwereti chinomirira pakutsvaga kwekutsvaga, uye akakwereta kana mutero anofanira kuve nechokwadi chokuti imba yacho ine musoro wakajeka. Chitubu cheshuwarisi chinopa kumwe kudzivirirwa, uye ingadai ichishandisa kuchenjera.

Mutero wemitero: Mitero yemitero inonyangadza, uye kutapira mari yakawanda inotenderera kunogona kuumba matambudziko.

Iwe usati waita chero chinhu, taura nemumwe mutungamiri wemutero weko wega kuti urege kubatwa nekushamisika.

Private Mortgage Agreements

Chero chikwereti chinofanira kunyatsonyorwa. Chibvumirano chakanaka chechikwereti chinoisa zvinhu zvose mukunyora kuitira kuti zvese zvese zvinotarisirwa zviri pachena uye kune zvishoma zvingaita zvinoshamisa. Pashure pemakore akawanda, iwe (kana mumwe munhu) ungakanganwa zvawakakurukura uye zvawaiva nazvo mupfungwa, asi rugwaro rwakanyorwa rune pfungwa yakanaka zvikuru.

Zvinyorwa zvinowedzera zvinopfuura kungoita kuti ukama hwako huve hwakasimba - hunodzivirira mapato maviri kune imwe pamba yemari. Zvakare, iwe hauzive zvausingazivi nezveramangwana, uye zvakanakisisa kudzivisa chero kusununguka kwemutemo kunoguma kubva pakuenda-kuenda. Uyezve, chibvumirano chakanyorwa chingaita kuti chibvumirano chibudirire kubva pakubhadhara mutero.

Sezvaunoongorora chibvumirano chako, iva nechokwadi chokuti zvose zvingafungidzirwa zvinotsanangurwa, kutanga na:

• Ndivanaani pavanobhadhara? Mwedzi wega wega, wega wega, pazuva rokutanga romwedzi, nezvimwe.
• Zvakadini kana zvikwereti zvisingagamuchiri? Ko anokweretesa angakwereta here, uye pane nguva yenyasha here?
• Ndeapi / kupi inofanirwa kubhadhara? Kodzero dzemakombiyuta dzakanakisisa.
• Ko akakwereta angakwanisa kubhadhara here, uye pane chirango chekuita saizvozvo ?
• Ko chikwereti chakachengetedzwa nechinangwa chipi zvacho here? Zviri nani kuva.
• Chii chinogona kukweretesa kana uyo akwereta asingabhadhari? Unogona kukwereta mari yekubhadhara, kunyorera mabhizimisi ekubika mari, kana kuti foreclose pamba ?

Kuchengetedza Mari

Kuchenjera kuchengetedza chikwereti chekwereti - kunyange kana chikwereti uye akakwereta ari shamwari dzepedyo kana nhengo dzemhuri. Chikwereti chakachengetedzwa chinobvumira mubhadhadzi kutora nzvimbo (kuburikidza nekutaridzirwa) uye kudzorera mari yavo mumamiriro ezvinhu akaipisisa.

Izvozvo zvinonyatsokosha here? Zvakare, iwe hauzive zvausingazivi nezveramangwana.

Munhu akwereta (uyo ane mano nechinangwa chekuripira) angafa kana kutongerwa asingatarisirwi. Kana iyo nzvimbo inobatwa muzita raiye akwereta bedzi - pasina chikwereti chakachengetedzwa - vatokwereti vanogona kuenda kumusha wavo kana kumanikidzwa kune akakwereta kushandisa mari yeimba kugutsa chikwereti. Chidziviriro chakachengetwa chinobatsira kuchengetedza chikwereti chechikwereti, tichifunga kuti zvinhu zvose zvakagadzirirwa zvakanaka. Ichokwadi, izwi rokuti "mortgage" technically rinoreva "kuchengeteka" - kwete "chikwereti."

Kuchengetedza chikwereti neimba kunogona kubatsirawo nemitero. Semuenzaniso, akakwereta angakwanisa kukwereta mari yekuda mari pachikwereti, asi chete kana chikwereti chacho chakachengetedzwa zvakanaka. Taura nemutengesi wemutero wemunharaunda kana CPA pane mamwe mashoko uye pfungwa.

Nzira Yokuita Mari Yokudzivirira Pamwe Chete Zvakarurama

Kana iwe uchifunga nezvekutenga chikwereti, funga se "tsika" yechikwereti (kunyange iwe uchiri kukwanisa kupa zvinyorwa zviri nani uye muchengeti-unogamuchirwa mutengo). Fungidzira kuti chii chinogona kuipa, uye gadzira chibvumirano chacho kuitira kuti iwe urege kuvimba nematambudziko, zvakanaka zvakanaka, kana vavariro dzakanaka.

Pamusoro pezvinyorwa (zvibvumirano zvezvikwereti uye zvikwata zvekutumira, somuenzaniso), shanda neyanyanzvi vane nyanzvi. Taura nevatongi vemunharaunda, mutori wako wekutero, uye vamwe vanogona kukubatsira kutungamira kuburikidza nekuita. Kana uri kushanda nemari yakawanda yemari, iyi haisi yeprojekti ye DIY. Mamwe mapurogiramu epaIndaneti anogona kubata zvinhu zvose kwauri, uye vatsigiri vebasa vanogonawo kuita basa. Bvunza chaizvo izvo zvipi zvese zvinopiwa, kusanganisira:

• Iwe unogona kuwana zvakanyorwa pasi mortgage zvibvumirano here?
• Ko mari inogona kubhadharwa nemumwe munhu (uye yakaitwa)?
• Zvinyorwa zvichagoverwa nehurumende dzenharaunda (kuchengetedza chikwereti, somuenzaniso)?
• Kubhadhara kunofanirwa kunowanikwa kune chikwereti chekwereti (iyo inobatsira vanokwereta kuvaka chikwereti )?