Dzidza Yakanakisisa Rudzi Rwe Mortgage Kwako
Paunenge uchitenga kutenga chikwereti, kune marudzi akasiyana-siyana emhando dzakasiyana-siyana dzekutora zvikwereti zvaunogona kusarudza kubva. Iwe unofanirwa kutarisa zvinhu zvakasiyana-siyana kusanganisira chikwereti chemari, urefu hwebhadharo, chido chekufarira uye mamwe mazwi. Zvakakosha kunyatsoongorora zvose zvaunogona kuita, uye wozoita chisarudzo chichakubatsira iwe nekufamba kwenguva. Iwe unofanirwa kutsvaga nzira dzekuchengetedza pamutoro wako sezvaunotenga. Sezvaunofunga nezvekusarudzwa kwakasiyana siyana, iwe uchakwanisa kuita sarudzo yakanakisisa yemamiriro ako ezvinhu, kunyanya sezvo mabhengi ari kutanga kupa nyore nyore kutenga chikwereti.
01 Kuchengetedzwa Kwakawanda Kubhadhara kuenzaniswa neAdjustable Interest Rate
02 Mutengo weChechi hwekuda kutarisana neFHA Imari
Kana uri kutenga imba kwekutanga kana usina kutora chikwereti mumakore matatu, iwe unogona kukodzera chikwereti cheFHA. Mutero weFHA unogona kukubatsira nekuvhara mari uye unogona kuderedza mari yaunoda kuisa pasi kutenga imba. Chisarudzo chaunosarudza pano chinoenderana nemamiriro ako ezvinhu. Munzira dzakawanda, kuchengetedza kubhadharwa kwekubhadhara uye kuisa pasi makumi maviri kubva muzana kunogona kuratidzira iwe kuti wakagadzirira kuwana mari yekutora imba. Izvi hazvirevi kuti iwe unofanirwa kutonga kunze kwechikwata cheFHA kana imwe rubatsiro rwekutanga kumutengesi kumusha. Kana mumusika unoita kuti uve nguva yakanaka yekutenga, iwe unofanirwa kushandisa zvayo, chero bedzi iwe unogona kuwana imba yacho zvechokwadi.
03 Kusarudza Nguva Yechikwereti Chako
Zvakakosha kunyatsofungisisa izwi rechikwereti chako. Izvi zvinotarisa hukuru hwebhadharo yako yekubhadhara mari. Muchidimbu izwi racho, zvishoma iwe unofambisa hupenyu hwechikwereti. Izwi shoma rinoreva kurema kwepamwedzi pamwedzi. Tora nguva yekufananidza mitemo yakasiyana uye mari yekubhadhara iwe uchifunga kuti izwi rechikwereti chako. Kana iwe ukawana chikwereti chakaita nguva shoma, iwe unogona kubhadhara imba yako nekukurumidza uye usunungurire mari yako yekuisa mari uye kupedza pane zvimwe zvinhu, sezvaunoswedera pedyo nekurega basa. Paunenge uchifunga nezvekubhadhara kwako kwemwedzi pamwedzi, iwe unofanirawo kufunga nezvekutenga mitero uye yeimba yehushuwarisi. Kana iwe ukaisa pasi zvishoma pane makumi maviri zvezana iwe uchada kubhadhara PMI , zvakare. Izvi zvinokonzera kubhadhara kwako kwepamwedzi kwekukwira.
04 Kutenga kune Imba
Imwe yenzira dzinonyanya kutsvaga kutenga chikwereti ndeyokushandisa mutengesi wemari. uyo mutengesi anotora chikwereti achashanda nevakweretesi vakasiyana-siyana kuti akuwanei mitemo yakanakisisa yekwereti yako. Uyezve, mutengesi anotengesa mari anogona kukubatsira kuti uwedzere kusarudzwa izvo zvingave zvakanakisisa pane mari yako yemazuva ano. Bhengi yako kana chikwereti chekambani inogona kuva nekwereti yemari, asi iwe unogonawo kuwana hupfumi hwekutengesa mari inobatsira kuti uwane zvikwereti zvakanaka. Mukuwedzera pakushandisa mutengesi wemari, iwe unogona kutsvaga kambani iwe uri kutora chikwereti kubva kuti uve nechokwadi chokuti inobata vatengi vayo zvakanaka. Iva nechokwadi chekuverenga mazwi ekukwereta pamusoro pekubhadhara kwokutanga nekugadzirisa zvingasarudzwa. Imwe chikwereti ichabhadhara zvikwereti kana iwe uchibhadhara chikwereti kana kugadzirisa mumakore matatu kana mashanu ekutanga.
05 Dzivisa Kuvhara Maonero Ako
Sezvaunotanga kuumba kuenzana mumba mako, zvinogona kuedza kuedza kuisa mari pane izvo zvakaenzana kuburikidza nechikwereti chekuwana chikwereti kana nekugadzirisa uye kubvisa mari kubva mumba mako. Ichi chikonzero chakashata nokuti zvinoreva kuti uri kubhadhara mari pane yako yekubhadhara kwemakore anouya. Bvuma kutenga imba yako nekuripa nokukurumidza ikozvino. Kana iwe ukakwanisa kubhadhara chikwereti chako nokukurumidza, iwe uchakwanisa kubata mamiriro ezvinhu akaoma sekurasikirwa nebasa nyore nyore. Kana iwe ukabudisa mari yako yekubhadhara imwe chikwereti, iwe uri kuisa imba yako pangozi, uye iwe unogona kurasikirwa neimba yako kana iwe uchinetseka kuti udzorere mune ramangwana . Dzivirira imba yako nekushanda kubhadhara chikwereti chako uye usaisa mari yako muimba yako.