Matanho Ekutora Iye Zvino Kuti Uwedzere Mhinduro Yekuwedzera Kufarira Mitengo
Kana iwe uchinzwa nezvekukwanisa kwemazana ekukwikwidzana neHederal Reserve, pane chimwe chinhu chaunofanira kuita kugadzirira?
Chii chinoshungurudzwa nekukwira kuwanikwa kwechikwereti
Kana Hondo inotanga kukwidza chikwereti chezvibereko, chikwereti chekwereti chikwereti, chikwereti chemari, uye mitero pamotokari yemotokari yose inobatwa. Ivhareji yemadhora emunyika yeUnited States maererano neFed inodarika $ 20,000 isingasanganisi mari. Zvizhinji zvechikwereti ichocho chikwereti chekwereti chikwereti uye misha yekuenzanisa yemari yechikwereti, uye vanhu vane rudzi urwu rwechikwereti vachakanganiswa zvikuru.
Kana uri kutambura kubhadhara mabhiriro ako kadhi rechikwereti mwedzi woga woga kana iwe uchibhadhara zvikwereti zvako asi unogona kungovhura mari shoma, kunyange kukwira kuduku mumitengo kunogona kuva dambudziko. Nokufamba kwemazuva, sezvo mitengo inoramba ichingoramba ichinge ichikwira, kuwedzera kwekubhadhara kwako kwedzimwe mwedzi kuchaenda kunharaunda uye zvishoma nezvishoma kubhadhara chikwereti chako. Kuti ubatsirwe pakubuda mune chikwereti, tsvaga dzimwe nyaya dziri paIndaneti dzinogona kubatsira, asi kune avo vanoda kuzvigadzirira kuti kuve nekuswedera kwekuda kwezvibereko, pano maitiro matanhatu ekuzvigadzirira kuti uende mberi.
1. Chengetera Chikwereti Chako Chekwereti
Kana iwe uri kungoita zvishoma kubhadhara pamakadhi ako ekwereti, tanga kuripa zvimwe. Kana iwe usingakwanisi kuuya nemari kuti uwedzere mari yako, tanga bhajeji kana kusimbisa bhajeti yako iripo, kuchera kushandisa, nekubhadhara pasi chikwereti chikwereti chikwereti nemari yaunoponesa. Kuti uwane rubatsiro rubatsiro, ona Budgeting 101 .
2. Usanyengedzwa ne "Fixed Rate" yako Kadhi Kadhi
Kambani yako yekambani yekwereti inofanira kungopa mazuva gumi nemana chiziviso chinyorwa musati wasimudza mutemo wako zviri pamutemo Kunyange zvakadaro, kana zvikwereti zvinotarisirwa kuti zviwedzere uye iwe usati watotamisa zviyero zvako kumadhora mashoma, unofanira kufunga kuita kudaro, uchitsvaka avo vanopikira dhibhai kwechimwe nguva. Kuti uwane mazano pamusoro penzira inokurumidza kuderedza yako kadhi rechikwereti chikwereti, ona Get Out of Debt Now .
3. Funga nezvekuchengetwa kwemari yekutengesa kumusha kwekwereti
Kana uine imba yekuenzanisa chikwereti chechikwereti, funga kubvisa chikwereti chekuwana chikwereti kuti uiripe kana zvikwereti zvinotarisirwa kuwedzera. Kubva kuwanikwa kwezvikwereti pamisha yekuenzanisa kwekwereti yakasungirirwa kumutengo wepamusoro, kana zvikwereti zvichikwira, ndizvo zvichaitawo kufarira kune chikwereti chako chekwereti. Zvichienderana nemari yakakweretesa, izvi zvinokurumidza kuva mubhadharo usingakwanise, uye imba yako iri pangozi. Nokugadzirisa musha wekodzero yekuwana chikwereti nemari yemari yekuenzanisa, iwe unovhara muchitsiko chechibereko chepasi. Ona Equity Equity Loans: Tarisa Usati Waenda .
4. Funga nezveHome Fixed Rate Mortgage pane ARM
Kana iwe uine shanduko yekubhadhara chikwereti (ARM) uye unoronga kuve mumba mako kwemakore mashanu, funga kubatsiridzira kune zvakagadziriswa zvekubhadhara mari kana zvikwereti zvinotarisirwa kuwedzera.
Ona Maitiro Akutora Kubatsira Kwekudzivirira Kwemari Kuchengetedza Mitengo .
5. Kutenga Imba Nokukurumidza Kupfuurira Kupfuura Izvozvo
Sezvo chikwereti chikwereti chichikwira, iwe uchakwanisa kutenga imba shomanana yemari yako. Kana mitero inotarisirwa kusimudza uye iwe uri mumusika weimba, funga kuwedzera kuedza kwekuvhima imba yako. Iva nechokwadi chekutsvakurudza nzvimbo dzekugara dzimba munzvimbo yako kuitira kuti urege kutenga panguva yekutengeswa kwematengo emusha.
6. Kutenga Motokari Inokurumidza Kupfuura Kare
Saizvozvowo nokutenga imba, kana iwe uri mumusika wemotokari itsva, funga kufambisa mberi zvirongwa zvako usati wawana mutengo wemari, zvichida uchishandisa ruzivo rwezero rwekubhadhara mari. Izvi zvinowanzowanzopera sezvo mitengo ichikwira. Ona Chengetedza Mari PaKiri Yenyu Inotevera .