Vatengesi Vanoda Kubhadhara Kunyorera Chipo Chipo Chekubhadhara Zvipo
Zvinosuruvarisa, vazhinji vano-vanove vatengi vanorwisana nekuwana mubhadharo pamwe chete. Muongororo yeZillow ya2017, inenge 70 muzana yevatapi venyika vakati kuchengetedza kubhadhara kwekubhadhara ndicho chakanyanya kukanganisa kutenga imba.
Kana wakagadzirira kuva muridzi wemba, kukumbira Amai nababa kuti vabatsire nemari yako yekubhadhara vangave vakayambuka pfungwa dzenyu. Kunyange zvazvo pasi mari yekubhadhara inogona kupiwa zvipo, pane mitemo inofanira kuteverwa, kusanganisira kunyora pasi pasi chipo chechipo chepa.
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Kuwanda kwemari yekubhadhara mari inogona kupiwa zvipo kubva kuvabereki vako kana imwe nhengo yemhuri inowanzoenderana nemhando yekubhadhara chikwereti chakabatanidzwa. Kana uri kuwana chikwereti cheFHA ne 3.5 kubva mubhadharo pasi, somuenzaniso, yose kubhadhara kunogona kuva chipo. Kune rumwe rutivi, kana uri kushandisa Fannie Mae kana chikwereti cheFreddie Mac, chikwereti chose chinogona kungova chipo kana iwe uri kuisa pasi 20 muzana kana kupfuura mari yemutengo weimba. Kana chikwereti chako pasi chiri pasi pe20 muzana, imwe yemari inogona kubuda muhomwe yako.
Kunyoresa Chipo Chipo Chete Rinotonga
Kana uchinge wakashanda kuti mari yako yekubhadhara mari inogona kupiwa zvipi, danho rinotevera riri kunyora tsamba yekubhadhara chikwereti.
Izvi zvinotarisirwa nemunhu anokweretesa chero nguva chikamu kana zvose zvekubhadhara kwako chipo. Pane imwe nzira yekunyora tsamba iyo nekunyora chipo.
Nokuda kwetsamba pachayo, hapana chimiro chemazana. Iwe unogona kuzvinyora iwe pachako kana kubvunza wako weimba yemugovera kana kuti broker kuti abatsire asi kazhinji, unofanira kuisa:
- Zita rako uye zita nekero yemunhu anoita chipo
- Mari iyo iri kupiwa kwauri
- Kero yeimba yaunotenga
- Ukama hwomunhu ari kuita chipo
- Kwatinobva mari yacho (kureva nhoroondo yekuongorora, account yekuchengetedza, akhawunti yekutsvaga)
- Tsanangudzo yakajeka yokuti mari chipo, kwete chikwereti (mari yakabhadharwa haizobvumirwi kubhadhara zvipo zvekubhadhara)
Yeuka, zvipo zvinongobvumirwa chete kana vabva kumhuri, kwete shamwari. Chimwe chinoshanda chinoshanda kana iwe wakabatanidzwa uye wako chirikadzi ari kupa chipo.
Kunyora Chipo Icho
Paunonyora pasi pasi chipo chechipo chekubhadhara, unoda kuisa magwaro ekuti chipo chinouya kubva uye iwe wakagamuchira. Semuenzaniso, uyo anokweretesa angabvunza kuona chibvumirano chebhangi kana imwe nzira yehupupuriro achivimbisa kuti mupiro ane mari yekupa chipo, kopi yeshoko rakakanganiswa rakagadzirwa kwauri, kana mapepa anoratidza kuwedzerwa kwekombiyuta pakati peakaipa uye yako. Kana munhu ane zvipo kwauri iwe ari kutengesa zvikamu zvekutengesa kana zvimwe zvikwereti kuti uwedzere mari yekubhadhara, iwe unoda chirevo kubva kubhadharo yekwereti yavo inoratidza kuti mutengesi.
Chimwe chikosha chinokosha chokuyeuchidza, pasinei nokuti uri kugamuchira cheki kana kuwedzerwa kwekombiyuta kubva kune chipo: kuisa mari iyi kune imwe kero yebhangi yakasiyana kunze kwekuongorora kana kuchengetedza kwako.
Iwe hausi kuda kupa zvipo zvechipo nemamwe emamwe emari yako. Kuita izvi kunogona kuomesa mapepa uye kunokonzera chikwereti kuramba chipo zvachose.
Pane Mhosva Yezvinokonzera Kuderera Kunopiwa Zvipo Here?
Hungu uye kwete. Sezvo munhu ari kugamuchira chipo chekubhadhara pasi, haungatongeri chero mutoro wemitero, pasinei nechipo chechipo. Asi, munhu anenge achikupa chipo ichocho angakonzera mutero wepo kana iyo mari inopfuura chikamu chekuregererwa kwegore negore. Kune 2018, somuenzaniso, vabereki vakaroora uye vanyorera kubatanidza kudzoka vanogona kupa zvipo kusvika madhora makumi matatu nemakumi matatu nemana pamubhadharo wekubhadhara mari (kana chero imwe chinangwa), pasina kubhadhara mutero wechipo. Imwe nhengo yemhuri, yakadai sekurukuru kana vanasekuru, vanogona kupa chipo kusvika madhora gumi nemakumi maviri nemashanu pamberi penyu musati wechiripo.
Sezvo iwe uchironga chikwereti chako chekubhadhara, zvakakosha kukurukura zvinokonzerwa nemutero nemunhu kana vanhu vari kuronga kupa chipo ichocho kwauri kuti vaone kuti havasi pangozi yekuwedzera mutero wavo wemutero.