Nenzira, iwe unofanirwa kuva nebhadharo iri pakati pe10 kusvika ku20 muzana yemari yako yeimba inochengetwa usati watenga imba . Mortgage lenders vakaita izvi kuti vadzivirire pachavo nokuti zvakaratidza kuti iwe wakanga uine mutoro nemari yavo. Izvo zvakavadzivirirawo nokuti havana kubhadhara mari yakakwana yeimba yako, uye kana iwe ukange uchinge usina kukwereta pane chikwereti, ivo vainyanya kugadzirisa zvakakwana kubva kurasikirwa.
Zvisinei, mumakore achangopfuura zvinhu zvakachinja. Vanhu vazhinji vaizotora zvikwereti zviviri kuitira kuti vasadzivirire PMI uye vasati vaine chikwereti chemari pamusha wavo. Dzimwe mabhengi anopawo zana zana rekubhadhara mari yeimba. Vamwe vakaroorana vangave vakakodzera kuwana chikwereti cheFHA , icho chinobvisa kudiwa kwekubhadhara kukuru. Mabhenji atanga kupa zvikwereti zvekwereti nezvikwereti zviri nyore , asi izvi zvingave zvisina kunaka.
Zviri nani kuchengetedza kubhadhara kweimba yako kana zvichibvira. Kune zvikonzero zvakasiyana siyana kuti iyi ndiyo nzira iri nani yekutenga imba. Chimwe chikonzero ndechekuti inoratidza kuti iwe uri mune zvemari wakagadzirira uye unofunga zvakakwana kutenga imba. Kana iwe uchitenga imba, iwe uri mutoro wezvinhu zvose zvekuchengetedza mari yakafanana neimba. Iwe uchada kubhadharira kugadziriswa uye inshuwarisi yeimba. Kuchengetedza kubhadhara kuri pasi kunoratidza iwe pachako nebhangi iwe uri munzvimbo yekuita zvibayiro izvozvo.
Kazhinji chikwereti chako chinenge chave chiri nani kudarika iwe uri kubhadhara mubhadharo, uye zvinoratidza kuti iwe wakagadzirira kuva nehanya nemari.
Chimwe chikonzero chekubhadhara chikwereti ndechekuti inokudzivirira kana iwe uchida kufamba, uye misika yemumba yakaderera. Vanhu vazhinji havagoni kutengesa misha yavo nokuti vakatenga imba vasina kubhadhara mari iyo dzimba dzepamusoro dzaive pamatambudziko avo, uye iye zvino vane chikwereti kupfuura imba yavo yakakodzera.
Hapana imwe nzira yakanaka yekubuda mumamiriro ezvinhu aya. Pamwe iwe ucharasikirwa nemari yakawanda kana iwe uchaparadza chikwereti chako, kana iwe uchaita zvose zviri zviviri. Saka vanhu vazhinji vari kumirira kumisha yavo vachitarisira kuti mamiriro ezvinhu achavandudzwa. Kushandisa kubhadhara pasi hakubvisi zvachose izvi kuti zvirege kuitika kwauri, asi kunze kwokuti imba yako yepamusoro inowedzera zvinopfuura makumi maviri kubva muzana, iwe uri mumamiriro ezvinhu akanaka.
Chimwe chikonzero ndechokuti iwe haudi kuzvidemba kutenga imba yako. Mukuwedzera pakuratidza kuti iwe uri mari yakagadzirirwa kutenga imba, kuchengetedza kwekubhadhara kwekubhadhara kuchakubvumira kutenga imba yaunoda uye iwe hauzombozvidembi kutenga. Mari yekubhadhara inogona kuwedzera hukuru hwemusha unogona kuwana , uye inogona kukubatsira imba inzvimbo iri nani. Chaizvoizvo, inokupa zvisarudzo zvakawanda nokuti iwe uchiri kukodzera kuwana mari yakafanana pamutoro wako, kubhadhara kuripo mari yakawedzerwa inogona kuwedzera simba rako rekutenga.
Kana zvikwereti zvikwereti zvishoma, iwe unogona kunzwa uchida kutenga ikozvino, kuitira kuti iwe ugone kuchengetedza mari mukufarira pamusoro pehupenyu hwechikwereti chako. Ichokwadi kuti iwe unogona kuchengetedza mari, asi haugoni kuona ramangwana. Iwe hauzive kana imba yemitengo ichakwira kana kuti inotora zvakare.
Iwe hauzive kana iwe uchida kutama kamwe-kamwe nekuda kwekuendeswa kwebasa kana basa idzva, uye ipapo iwe uchada kutengesa, asi iwe unogona kusakwanisa nokuda kwekuti iwe unokwereta zvakadini pamba. Mutengo wako wekubhadhara pane imwe yepamusoro padding pakati pako nemusingazivikanwi.
Kana iwe ukasarudza kuti wakagadzirira kutenga imba , unofanirwa kuve nechokwadi chokuti unosarudza zvakanakisisa kutora chikwereti nechinangwa chekufarira. Chigadziriswa chekubhadhara chikwereti chichaita kuti iwe unotora chikwereti chekubhadhara chikwereti sezvo chikwereti chichiwedzera . Iwe unofanirwa kuva neimba yakanaka yekuongororwa yawakaitwa usati wavhara. Uyezve, iwe uchada kuwana mvumo yemusha weimba. Pakupedzisira, kutanga kuchengeta mari yekugadzirisa musha. Iwe uchada mari yakagadzirirwa pamari yekugadzirisa zvigadziro zvepombi uye kugadzirisa kukuru. Kuita izvi chikamu chebhadharo yako yemwedzi wega wega kuchaita kuti kutarisira mari yako kuve nyore.