Zvinorevei Kuvhara Mari?
Chikwereti chinogona kuvhiringidza. Vanokwereta vane mibvunzo. Ndiwo mhando yekukwereta mibvunzo iyo inowanzobvunzwa kamwechete uye, mushure mokunge imba ivhara, mhinduro dzinokurumidza kubudiswa mupfungwa. Kutenga imba uye kutenga chikwereti kunogona kuva zvose zvakapoteredza.
Kana zvasvika pakuvhara chikwereti chechikwereti pane chikwereti chemari yekutenga chikwereti, munhu wose anoda kutora nguva kuti awane zvakanakisisa kubata. Hapana chakakanganisika nemanzwiro iwayo.
Zvakanaka. Dzimwe nguva iwe uchange uine mukana uye imwe nguva yausingazoiti. Mune mamwe mazwi, ndiwo mupumburu we dice. Nekuvhara kwechibereko chakavharidzirwa, zvakadaro, iwe unobvumirwa kuti kana zvikwereti zvinokwira zvichikwira panguva yawakagadzirira kuvhara, iwe uchabhadhara chikamu chechibereko chezasi.
Ndezvipi zvinokonzera kana chikwereti chisina kuvharwa?
Ngatiti iwe unosarudza kumirira. Iwe wakaderedza apo iwe uchatora chikwereti uye wakatarisa pazvisarudzo zvako zvose zvemari. Zvichida wakatofunga nezvechikwereti chaunoda. Asi mumusika uri kuenda pasi. Kudyora kwave kutema mitsara miviri uye iwe unotarisira kuti iwedzere mberi. Saka unosarudza kusavhara.
Ndiyo gamba. Asi kana zvikwereti zvichikwira, hauna zvachose kudzivirirwa. Iwe uchabhadhara chiyero chapamusoro kana ukagara neye chikwereti ichocho.
Ndezvipi zvinhu zvakakosha zvekukweretesa chikwereti?
Paunosarudza kuvhara chikwereti, pane mapeji matatu ekufunga:
- Chido chekufarira
- Points
- Kureba kwekivha nguva
Vanokwereta vachabhadhara mari yakawedzera nokuda kwechikwereti chakawedzerwa.
Kuvharidzirwa kwekuvhara kazhinji hakusi kusununguka. Inhara yekutambira ichava yakakwirira kana kuti mapepa acharatidza chikwereti chekuvhara mari. Izvi ndizvo zvinoreva kuti uyo anokweretesa ari kutora mungozi kuti mitero inogona kukwira apo mutengesi unoshandiswa, saka uyo anokweretesa angagumisa kurasikirwa nemari kana chikwereti ichibhadharwa pamusana-kudarika-mutengo wekutengesa.
Asi kuvhara chikwereti kunopa wakwereta rugare rwepfungwa. Nyanzvi dzezvematongerwo enyika dzinowanzokurudzira kuti vakwereta vadzike.
Wakazvipira kune chikwereti ichocho kana iwe uchivhara?
Kuvhara mudivi hazvirevi kuti uyo anenge akwereta akabatwa kune iyo chikwereti. Anokwereta zvirokwazvo akasununguka kuenda kune imwe nzvimbo yechikwereti kana zvikwereti zvichisvika nenguva iyo mutengesi wagadzirira kuvhara. Vazhinji vanokwereta havazivi zvishoma zvinyatsozivikanwa. Ndizvo nokuti vatengi havadi kutaurira ani zvake. Havadi kurasikirwa nechikwereti nekukurudzira akwereta kuti adzike ngarava.
Asi kana zvikwereti zvichidzika, uye akakwereta anotyisidzira kukwevera chikwereti, kuenda kune imwe chikwereti, kazhinji muteresi achadzokororazve chikwata chekufarira. Sei mutengesi achiita izvi? Nokuti uyo anokweretesa anoda kuchengeta vatengi varo.
Ko chikwereti-lock rates chinogadziriswa sei?
Mazuva makumi matatu ekuvhara kwemazuva angangodhura munhu anenge akwereta hafu yechinhu; asi zuva remazuva makumi matanhatu rekuvhara rinogona kukwana imwe pfungwa yakazara. Pfungwa inenge muzana yemari yemari. A .5% yekodhi yekuvhara $ 200,000 chikwereti i $ 1 000. Iyi mitero haina kubhadharwa kumusoro; vanobhadharwa pakuvhara. Saka kana chikwereti chisati chavhara nokuti uyo akwereta akachinja pfungwa dzake kana akaenda kune imwe nzvimbo, mari yacho haibhadharwi. Kana munhu akwereta asingadi kubhadhara chikwereti chekukwereta kuburikidza nehukuru, mari yacho inogona kuenzaniswa muhuwandu hwekufarira.
Pane pane zvakaderera here?
Icho hachina chikonzero chekuvhara chikwereti. Nhamba dzechido dzinoshanduka zuva nezuva, dzimwe nguva nguva. Kuti uzvidzivirire pamusana pekutsvaga kwemusika, iyo pfungwa yakanaka yekuvhara chiyero chako kana iwe uchigutsikana nehuwandu. Chikonzero chikonzero vamwe vatengi havadi kuvhara chikwereti ndezvekuti vanoda kugura madhimoni ose kunze kwekutengesa kunogona kuitwa nevanhu. Ingoyeuka kuti kana chiyero chakanga chichigamuchirwa kana chavharwa vhiki masere yapfuura, dhesi ye 1/8 yechinhu kana kuti haisi kuguma kwenyika. Iwe haufaniri kuva iyo iyo yakakwereta kuwana bhizimisi yakanaka.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.