Tora Mari Yakarurama Yebasa
Mibairo Yega
Pamapurani mashomanana, chikwereti chemunhu pachake iri nyore mhinduro. Iwe unogona kushandisa mari yezvose zvaunoda, kusanganisira mapurogiramu asingakodzeri se "zvinodiwa." Kana uri kuisa vapfuri kana kuita zvigadziriswe zvigadziriswe zvigadziro, chikwereti chako pachako chingava chakakodzera.
Ikoshesa uye iri nyore: Kuvhara mari yezvikwereti zvemunhu pachedu zvinowanzoperera, kunyanya kana iwe ukachengeta hukuru hwekukwereta kwako hudiki. Icho chiito chekushanda hachisi chakaoma sekukumbira mari yechikwereti chekuenzanisa, uye haufaniri kubhadhara mazhenesheni uye mamwe mabasa kuti uwane mvumo. Uyewo, zvikwereti zvako hazvidi kuti iwe uite chimwe chinhu sechinhu chakachengetwa .
Kudzorera zvakashingaira: Kusiyana nemari yeimba yemari inogona kuva nenguva ye- 15 kana 30 yemari yekubhadhara, zvikwereti zvinowanzogara kwemakore anopfuura gumi. Kunyange zvazvo izvi zvinoreva kuti iwe uchava nemari yakakwirira, iwe haungasungwi nemari yekubhadhara kwemakumi emakumi emakore anotevera. Uyezve, kutambisa zvikwereti kunotungamirira kune hupenyu hwepamusoro hwekutora mari.
Nhamba yezvikwereti: Zvikwereti zvemunhu pachake zvinowanzova nezvikwereti zvinodarika zvikwereti kupfuura zvikwereti zvemusha, saka iwe unoda kuongorora zvaunosarudza zvakanyatsonaka. Kana iwe uine chikwereti chikuru uye mari yakakwana yokuripa, unogona kutarisira chiyero zvakanaka pasi pe10 muzana.
Asi makadhi echikweretiwo zvikwereti zvemunhu. Matengo pamakadhi emakwereti akasiyana kubva kune zero-muzana ekutsvaga kusvika kune 20 muzana APR yevakwereta vane chikwereti chakaipa.
Mhuri Equity Loans
Mamwe mapurogiramu akawandisa angada kuti iwe ukwereta kururamisa mumba mako. Chechipiri chikwereti chinogona kubatsira nenzira dzakawanda.
Nhamba dzezasi: Nokuvimbisa imba yako sechisimbiso, iwe unofanirwa kuwanikidzwa nehuwandu hwekuda kwekuda kupfuura iwe unogona kuwana nemari yako. Shanduko ndeyekuti migumisiro yekusasipo yakaoma. Kana iwe usingakwanisi kuita zvikwereti zvako chero zvikonzero, iwe unotengesa ngozi .
Zvikwereti zvakakura: Zvikwereti zvakachengeteka zvinovandudza mikana yako yekubvumidzwa kune zvikwereti zvakawanda. Kana uine mukana wakaenzana wakachengetwa mumba mako , chikamu chechipiri chekutenga mari inogona kuva iyo nzira chete yekuwana mari iyo.
Kuvhara mari: Kukwereta kumusha wako hazviwanzo mari shoma, asi yechipiri mari yekutengesa inowanzosa mari shoma kudarika kutenga chikwereti (kana refinancing).
Cash-Out Refinancing
Kudzorera zvakare kunogona kupawo mari yaunoda kumigadziridzo kumba. Chikwereti chitsva chinogona kutora chikwereti chako chaipo chekumba, uye iwe unogona kukweretesa zvimwe zvishoma kuti ubhadhara pakuvandudza mapurojekiti. Iwe haungatore kuwana mari-asi mari iripo yekubhadhara makontrakiti uye zvinhu.
Chikwereti chinokosha: Kana iwe uchiedzwa kuti uwane mari yekuvandudza mapurojekiti, ziva nezvekwereti-ku-value ratio (LTV) . Iwe unoda kuenzana kwakakwana kwechirongwa kuti uite zvine musoro. Kana uine uwandu hushoma, mapurogiramu ehurumende pasi apa angakubatsira iwe kugamuchirwa.
Refinancing inodhura: Nokuti uri kuwana musha wechikwereti chemusha, kuvhara mari kunogona kuita kuti refinancing inodhura.
Uyezve, iwe uri kuwedzera hupenyu hwechikwereti chako, naizvozvo mari itsva yemwedzi inowanzoenda kune inofarira panzvimbo yekuderedza chikwereti chako. Asi iwe unogona kugara uchibhadhara zvimwe uye kubvisa chikwereti chako pakutanga .
Kuvandudza pamba mapurogiramu: Zvimwe zvirongwa zvezvikwereti zvakagadzirirwa kukubatsira kuti uwane mari yakawedzerwa yekuvandudza. Semuenzaniso, Fannie Mae HomeStyle Renovation mortgage inokubvumira kutenga kana kugadzirisa kushandisa "se-yakagadzirirwa" kukosha kweimba kuti uone mari yako iripo.
Hurumende Zvirongwa
Kana iwe uine chikwereti chekwereti kana kukwana kwakakwana, chirongwa chehurumende chechikwereti chinogona kukubatsira kuti uwane mvumo. Kumbira bhangi rako, credit union, kana mutambi wemuzvikwereti kana vakashanda nemapurogiramu aya.
- FHA Chinyorwa I zvikwereti zvinokubvumira kukwereta kusvika ku $ 25,000 kunyange kana usina chaunoyera mumba mako. Kana uine imba yakagadzirwa inofungidzirwa pfuma yako, unogona kukwira kusvika $ 7,500. Mari dzinofanirwa kuenda kumigadziro yekusingaperi, uye kugadzirisa kunakidzwa hakubvumirwi.
- FHA mari-out refinancing inopa mari yaunogona kushandisa chero chipi zvacho chaunoda, kusanganisira "mararamiro" kana kusakosha kunoshandiswa. Ne-LTV yakakura ye85 muzana (iyo yakaderera pane dzimwe FHA zvikwereti ), iwe uchada kukwana kwakakwana kushandisa purogiramu iyi.
- FHA 203k ndeimwe nzira yekugadzirisa uye kubhadhara mari, uye iwe unogona kuenda kupfuura 85 muzana LTV. Zvisinei, FHA inogadzirisa kuti iwe unoshandisa sei mari uye ndiani anogona kuita basa racho.
- VA cash-out refinancing inobvumira LTVs zve 100 muzana vasina mari yeruzhinji.
Kwokuenda kune Borrow
Tenga pakati pemhando dzakasiyana-siyana dzevakweretesi. Vamwe vanokweretesa vanopa mapurogiramu akasiyana-siyana angave akakwana zvakakwana zvaunoda-apo vamwe vateresi vasingakwanisi kukubatsira. Nzvimbo dzakanaka dzekubhadhara mari dzinosanganisira:
- Mabhangi, kusanganisira zvibvumirano zvekodhi nemunharaunda. Masangano maduku ane tarisiro yekudzokorora yakawanda inowanzopa kukwikwidzana kwemitengo, uye inowanzowedzera kushanda kushanda nevatengi vane zvishoma-kupfuura-vakakwana chikwereti.
- Vatengesi vepaIndaneti . Marketplace lenders, kusanganisira classic peer-to-peer (P2P) zvikwereti zvikwereti , zvinogona kuvawo zvakanakisisa zvekukweretesa kwemari kumusha. Vanoita zvisarudzo zvekugadzirira nokukurumidza, uye pasi yavo yepamusoro uye varimi vanoda chaizvo vanochengeta kuchengetwa kwezvibereko pasi.
- Specialized lenders. Dzimwe makambani ezvemari anotarisa pamhando dzakasiyana dzemishonga yekuvandudza pamba, uye zvingava zvine musoro kushandisa zvinyorwa izvi. Semuenzaniso, kushandiswa kwesimba kunogona kuwanikwa kuburikidza nemapurogiramu eApriest Assessed Clean Energy (PACE) , kana kuti kontrakta yako inogona kunge ine mari yekusarudza iripo. Zvisinei, zvakakosha kuenzanisa zvikwereti izvi kune dzimwe nzira.
- Mortgage lenders. Kana iwe ukwereta kunzvimbo yako, unoda chikwereti chinogona kukubatsira kugadzirisa kana kuwana chikwereti chechipiri. Tora zvinenge zvitatu zvinyorwa, uye fanisa mari yekutanga uye yezvibereko zvekufarira kuti uwane zvakanakisisa kugadzirisa. Tarisa nemunhu anotengesa chikwereti, mabhenji emunharaunda uye zvikwereti zvekwereti, uye muInternet mortgage chikwereti pamutengo.