Sarudzo dzekuchinja Vanokwereta
Zvinokwanisika kubvisa zita romumwe munhu kubva kune chikwereti, asi nzira yacho inowanzoomera. Izvi zvinoshanda kumunhu chero ipi zvayo wokukwereta wekutanga uye pamwe nevanyori-vabhoti vakabatsira anenge akwereta kuti agamuchirwe.
Kusvikira iwe ukaita shanduko yepamutemo kune chikwereti (kana kuti uchibhadhara zvachose), munhu wose achava nemhosva yechikwereti, uye chikwereti ichocho chichaderedza kukwanisa kwavo kuwana zvimwe zvikwereti .
Dambudziko
Vatengesi havadi kutora zita romunhu chero upi zvake kubva pachikwereti chemusha. Pavakagamuchira chikwereti, vakatarisa chikoro chezvikwereti uye mari yevari vaviri vakwereta pamwechete. Kunyanya kana iri panyaya yemari yemari, mari inopfuura imwe chete inowanzodiwa kuti iwane chikwereti chinogutsa chekuwana mari (mune mamwe mazwi, vanhu vakawanda vane nguva yakaoma yekukweretesa kune imwe imba yemhuri).
Vose vanokwereta vane 100% vane mhosva yekwereti - haisi 50/50 pane chikwereti chakabatana. Kana mumwe akakwereta asingakwanisi kubhadhara chero chikonzero ((kana iri dambudziko rezvemari kana mumwe wevakwereta anofa), mumwe akwereta anoda kuchengetedza mari ikozvino kana kubhadhara chikwereti. Kana vanokweretesa vachibvisa zita, vanowedzera dambudziko ravo uye vanopa mumwe munhu akasununguka "kunze," iyo mabhanhire ari kusada kuita.
Zvinosuruvarisa kuti vashandi vanobhadhara, vateresi vanoona mumwe nomumwe achikumbira semukana wega wekuunganidza pane chikwereti.
Iwe unogona kufunga kuti "chikwereti" chedu (uye mumamiriro ekurambana, somuenzaniso, hapasisina "isu"), asi chibvumirano chako chemari chikwereti hachina kugadzirirwa nenzira iyo. Kunyange kana chibvumirano chekurambana chinotsanangura kuti wako wekare ndiye ane mhosva ye chikwereti, vateresi vane mano okuunganidza kubva kune avo vose vakashandisa .
Vakaroorana vakaroorana vangatarisana nemigumisiro yepamutemo nekuda kwekutadza kutevera mitemo, asi iwe haugoni kuchinja sangano rechikwereti chiripo.
Nzira Yokuwana Zita Rinobviswa
Pane nzira dzakawanda dzekuti zita ribviswe kubva kune chikwereti.
Ronga pane imwe nzira inotora vhiki dzinoverengeka uye inosanganisira mapepa makuru, asi zvakakodzera, iwe uchakwanisa kuisa chikwereti chako shure kwako.
Kumbira Lender yako
Tanga nekukumbira yako ikozvino chikwereti pamusoro pekuchinja chikwereti. Iwe haugoni kuzviita zvose pane imwe foni, asi iwe unogona kuziva kana zvichibvira kuchengeta chikwereti chiripo nemumwe munhu asina kukwereta. Kana zvakadaro, vamwe vanokwereta vanenge vasara (vane mazita asina kubviswa) vachada kubhadharazve chikwereti ivo pachavo. Vaya vanokwereta vanoda chikwereti chakanaka uye mari yakakwana kuti vawane mari yakakwana, uye ivo vachazofanira kuburikidza nekuita sarudzo yakafanana neyo iwe wakatanga kutenga chikwereti . Kana chikumbiro chako chichigamuchirwa, uyo anokweretesa anogona kupa rusununguko rwemhosva (inowanzoshandiswa mumamiriro ekurambana).
Refinance Mutero
Kana yako chikwereti chenhasi chiri kusashanda newe, edza kubatsiridza chikwereti . Kuti uite kudaro, iwe uchakumbira chikwereti chitsva uye uchishandisa chikwereti ichocho kuti ubhadhe chikwereti chakare. Munhu ane chekuita chikwereti anofanira kushanda mumwe nomumwe uye achada kuti ave nekodzero yakakwana uye chikwereti.
Vamwe vanokweretesa vangave vakagadzirira kubvuma chikwereti, uye iwe unogona kutarisa mapurogiramu akaita seFHA zvikwereti (izvo zvingava nemvumo yekugamuchirwa nyore nyore kana zvasvika pakukura kwekutora kwako pasi uye chikoro chikoro).
Kana Uri Mumvura
Kudzokorora kunonyanya kuoma kana imba yako isingakoshi kudarika iwe unokwereta, kana kana uine mukana wakaenzana mumba . Vanokweretesa vane zvikwereti vane zvidiro zvakasimba zvechikwereti kukoshesa ratios , uye iwe haungasangana nevaya kunze kwekuti iwe unyore cheki chikuru. Nenzira yakanaka, hurumende dzakawanda dzinotsigira zvirongwa zviripo zvingakubatsira kuti uwane chikwereti chitsva - kungoita kuti uve nechokwadi chokuti unogona kuwana chikwereti chekubhadhara chikwereti pasi pemunhu anenge achikwereta iwe usati waita mapepa ose.
Fungidziro
Zvingave zvichigoneka kutumira chikwereti kune mumwe akwereta. "Zvisingabvumirwi" zvikwereti zvinopa izvi, asi zvikwereti zvakawanda hazvibviri.
Kana iwe wakakwereta kuburikidza neFHA kana VA, iwe unogona kuva nekwanisi iyi - asi zvakakosha kubvunza, zvisinei kuti wakakwereta kupi.
Kutengesa Imba
Kana pasina imwe yenzira dziri pamusoro inoshanda kwauri, unogona kutengesa imba uye kushandisa mari yekutengesa kubhadhara chikwereti. Izvi zvinogona kuisa kukanganisa kwako kana mhuri yako, uye zvingave zvakaoma kutengesa kana iwe uri pasi pemvura, saka fungisisa uye uwane rubatsiro kubva kune vagari vomunharaunda vashandi vasati vasarudza.
Zvinodhura
Zvose zvasarudzwa pamusoro apa zvinosanganisira mari, saka shandisa nzira dzakasiyana siyana musati wasarudza, uye sarudza kuti ndiani achabhadhara mari. Kunyangwe iwe uri kutengesa pfuma uye kugamuchira mari, mari yekugadziriswa kwemajeri nemamwe mari zvinogona kuderedza kutora kwako. Pakati pezvisarudzo zvakarongwa, kusunungurwa kwemhosva kana kubhadhara chikwereti kungangove zvakakosha - zvichakubatsira kuti usapedza mari yekuvhara inobatanidza nekugadzirisa.
Nhoroondo Yakadaro yeCon-Signers
Zvose zviri pamusoro apa ndezvechokwadi kune vanyori vanobatana pamutoro. Sekubatanidza, iwe uri 100% ane mhosva kune chikwereti, uye vanokweretesa havadi kukubvumirai kubheji. Taura nemunhu mukuru anokwereta nezvekugadzirisa, uye yeuka kuti ramangwana ravo rakasungirirwa kune rako.
Nezvikwereti (zvikwereti zvevadzidzi, zvikurukuru), zviri nyore kuwana kubatanidza-chengetedza chikwereti mushure mekunge pa-nguva yekubhadhara. Zvisinei, zvikwereti zvemusha hazvipi zvinhu zvakafanana.
Rega Maitiro Anokumbira
A kusiya chiito hachizobvisa zita romunhu akwereta kubva kune chikwereti. Nekurega kurega kubvuma, muridzi anogona kutora kodzero dzose dzehuyo kune mumwe munhu, asi chero zvibvumirano zvekubhadhara zvinoramba zvisingashanduki (kupa unhu hazvireve kuti iwe unorega kubhadhara). Somugumisiro, kurega kubvuma kuita zvingaita zvinogona kusiya muvakwereti zvakanyanya kuipa - vanobhadhara mari pane imwe nzvimbo, asi havachine humwe hutano huri mairi.
Mashoko Akakosha
Idzi ruzivo rwepaji ino rwakakosha uye harukwanisi kuonekwa semutemo kana wezvemari. Taura nemweya wechiparidzi anoziva nezvemamiriro ako ezvinhu usati waita chero sarudzo dzemari.