Mari Inotambudza Mari Mari Inoshanda
Kana zvikwereti zvinoda kuitika nokukurumidza, kana kana vatenzi vemazuva evanhu vasingagamuchiri chikwereti, mari yakaoma ingave ndiyo chete nzira. Ngatimbokurukurai kuti zvikwereti izvi zvinoshanda sei.
Chii Chakaoma Mari?
Zvikwereti zvizhinji zvinoda uchapupu hwokuti unogona kuripa.
Kazhinji, vateresi vanofarira zvikwereti zvenyu zvikwereti uye mari yako inowanika kubhadhara chikwereti. Kana iwe uine nhoroondo yakasimba yekukwereta zvine mwero uye kukwanisa kubhadhara zvikwereti (sekuenzaniswa nechikwereti chako kune chikamu chekuwana mari ), iwe uchazobvumirwa kune chikwereti.
Kuwana kugamuchirwa nechetsika chikwereti inzira inononoka -kunyange ine zvikwereti zvikwereti uye zvakawanda zvekuwana. Kana uine zvinhu zvisina kunaka mumarikiti yako (kana kuti mari yaunowana kuomera kune wako chikwereti kugutsikana), iyo inotora nguva yakareba uye iwe haungatombogoni kubvumidzwa.
Vashandi vanokwereta mari vanotora nzira yakasiyana-siyana: vanokweretesa zvichienderana nekutora chikwereti , uye havasi kunyanya kufunga nezvekugona kwako kubhadhara. Kana chimwe chinhu chisina kuipa uye iwe haugoni kuripa, vatori vemari vakakomba vanoronga kuti vadzorere mari yavo nekutora mari yekutengesa nekuitengesa. Kukosha kwechibvumirano chinhu chakakosha kudarika chinzvimbo chako chemari.
Mari yakakweretesa yakaoma inowanzova chikwereti kwenguva pfupi , inogara kubva kune imwe kusvika makore mashanu. Iwe haungadi kuchengetedza nguva yakareba kudarika izvozvo zvakadaro, nokuti chido chekuda mari yakaoma inowanzokwirira kudarika iyo inowanzoita mari yechikwereti.
Sei Uchishandisa Mari Yakaoma?
Kana mari yakaoma inodhura, nei iwe ungashandisa?
Mari yakaoma ine nzvimbo yayo kune vamwe vakwereta vasingakwanisi kuwana tsika dzepanyama kana vachichida.
Kushingaira: nokuti uyo anokweretesa anonyanya kuisa pfungwa pane zvekugadzirisa (uye asinganyanyi kunetseka nemamiriro ako emari), mari yakaoma zvikwereti zvinogona kuvharwa nekukurumidza kudarika zvikwereti zvekare. Vatengesi havadi kuti vatore nzvimbo yenyu, asi havadi kupedza nguva yakawanda vachienda kuburikidza nechikumbiro chechikwereti nekodzero yakanaka yekugadzira - kuongorora mari yako, kuongorora zvinyorwa zvebhangi, nezvimwe zvakadaro. Kana uchinge uine ukama nemunhu anokweretesa, iyo nzira inogona kukurumidza kukurumidza, ichikupa kukwanisa kuvhura zvinhu izvo vamwe vasingagoni kuvhara (izvo zvinonyanya kukosha mumisika yakatsvaga nemitambo yakawanda).
Kusanzwisisika: zvakaoma mari zvibvumirano zvinogonawo kuva zvakanyatsochinja kune zvikwereti zvechikwereti. Vatengesi havashandisi nzira yakanyorwa yakanyorwa pasi . Pane kudaro, vanoongorora kugoverana kwega kwega. Zvichienderana nemamiriro ako ezvinhu, unogona kukwanisa kuita zvinhu zvakadai semarongwa ekubhadhara. Unogona kukwereta kubva kune munhu anoda kutaura - kwete sangano guru rine mitemo yakasimba.
Kubvumirana: chinhu chinonyanyokosha chekushanda mari yakaoma chikwereti. Kana uri kutenga nzvimbo yekutsvaga mari, uyo anokweretesa achakweretesa zvakakwana sezvinodiwa nepfuma yacho.
Kana iwe uchida kukwereta kune imwe nzvimbo iyo iwe unayo, iyo inokosha yeimba ndiyo iyo iyo chikwereti inotarisira pamusoro. Kana iwe uine chiziviso kana zvimwe zvinhu zvisina kunaka mumushumo wekwereti yako, hazvina kukosha zvakanyanya - vamwe vanokweretesa vangatotadza kutarisa chikwereti chako (kunyange zvazvo vatengi vanokwereta vachibvunza nezvemari yako pachako).
Vakawanda vanoshanda mari yakaoma mari vanowedzera chikwereti-ku-kukosa ratios ( LTV ratios ) zvishoma. Zero ravo rekuwedzera reLVV rinogona kuva 50% kusvika 70%, saka iwe uchada zvinhu kuti uwane mari yakaoma. Nezvinoenderana nevashoma, vateresi vanoziva kuti vanogona kutengesa pfuma yako nekukurumidza uye vane foni yakakodzera pakuwana mari yavo zvakare.
Iko Mari Yakadini Inoita Sense?
Mari yakakwereta mari yakaoma inonyanya kukoshesa zvikwereti zvenguva pfupi. Fix-na-flip vashandi ndivo muenzaniso wakanaka wevashandi vemari yakaoma: vane pfuma kwenguva yakareba zvakakwana kuti vawedzere kukosha - havagari imomo nokusingaperi.
Vachatengesa imba yacho uye vachiripa chikwereti, kazhinji mukati megore kana zvakadaro. Zvinokwanisika kushandisa mari yakaoma kuti upinde mune imwe nzvimbo uye ugare imomo, asi iwe unoda kugadzirisa pakarepo iwe unogona kuwana chikwereti chiri nani.
Dambudziko Rakaoma Mari
Mari yakaoma haisi yakakwana. Kunyange zvazvo zvichiita sezviri nyore - nhumbi inotora chikwereti kuitira kuti munhu wese agare akachengeteka - mari yakaoma ndiyo imwe chete sarudzo. Inodhura, saka zvinhu zvinofanira kushanda maererano neurongwa hwekubatsirwa kuti zvivepo. Mari yakaoma inoshanda zvakasiyana nemari yaungadai yakashandisa munguva yakapfuura: vateresi vangashandisa nzira dzakawanda dzekuchengetedza dzimba kupfuura iwe unotarisira. Dzidza zvakawanda pamusoro pematambudziko emari .
Mariro: mari yakaoma mari yakweretesa inodhura. Kana iwe uchikwanisa kukodzera kune dzimwe nzira dzokubhadhara mari, iwe unogona kubuda mberi nezvikwereti. Somuenzaniso, FHA zvikwereti zvinokubvumira kubhadhara kunyange ne-less-than-perfect credit. Tarisira kubhadhara kaviri-chidimbu yemari yemari pamari yakaoma, uye iwe unogonawo kubhadhara mari yekutangira yemakiti akawanda kuti uwane mari.
Kana iwe usingakwanisi kugamuchirwa chikwereti nokuti pfuma yako inoda kugadziriswa kwakakomba, chikwereti cheFHA 203k chinogona kubhadhara chekugadziriswa pamutengo wakaderera.
Kuwana Mari Yakakomba Mari
Kukwereta mari, uchada kushamwaridzana nevasimari. Kuti uite kudaro, tsvaga kuti ndiani munharaunda yako anokweretesa mari zvichienderana nekutengesa. Local real estate agents uye mabhizimusi emapato emagariro ndiwo mazita akanaka. Itai kuti kune vashoma vanokweretesa, kurukurai zvido zvenyu, uye muve neukama kuitira kuti mugokwanisa kubhadhara purojekiti nekukurumidza kana nguva yasvika.