Nzira Yokutenga Imba Yako Yokutanga

8 Nheyo dzekutanga dzekuwana nekutsvaga imba yako yekutanga

Kutenga imba yako yekutanga ndeimwe yematanho makuru emari auchazoita. Zvakakosha kutora chisarudzo ichi zvakanyanya. Iwe unofanirwa kutora nguva yacho uchigadzirira iwe mumamiriro ezvinhu ose kuitira kuti imba yako ive chikomborero, uye kwete chiitiko chakaipa. Heano matanho ekutanga aunofanira kutevera kana yava nguva yekutenga imba.

Sarudza Kana Wakagadzirira kutenga Imba

Iwe unofanirwa kuziva kana iwe wakagadzirira kutenga imba .

Musha wega huzhinji hunodhura kupfuura kupedza. Iwe uri mutoro wekubhadhara zvinhu zvose zvinogadziriswa. Iwe unogonawo kunge wakawedzera mari yekushandisa, yakadai semarara nemvura. Mukuwedzera kune izvo iwe uchada kubhadhara mitero uye inshuwarano yakabatana neimba yako. Izvo zvinodhura zvinowedzera nokukurumidza, uye kana iwe usina mari yakagadzirirwa, unogona kuguma mune zvakashata. Iwe unofanirwa kutora nguva yekubuda mune chikwereti uye chengetedza chikwereti chinokurumidza , usati watenga imba yako yekutanga. Iwe unofanirwa kubvisa zvachose yako kadhi rechikwereti chekwereti kutanga. Iwe unogona kunge uri pasi pekumanikidzirwa kutenga imba kubva kune shamwari kana mhuri, asi iwe unofanirwa kumirira kusvikira inonzwa seyakakodzera nguva. Mimwe mamiriro ezvinhu akadai sokuziva iwe uchada kufamba mumakore mashomanana anotevera kuitira basa zvinoreva kuti unogona kumirira kutenga imba.

Tanga Kutenga Mutengo

Tora nguva yekutenga chikwereti. Iwe unofanirwa kutora pre-kugamuchirwa usati watenga imba.

Izvi zvichakubatsira kutarisa mukati mekutengeswa kwemari yako. Iwe unofanirwa kuonana nevanhu vanenge vatatu usati wasarudza kuti chikwereti chipi zvacho chaunotora. A broker mortgage achatarisa makambani akasiyana-siyana akweretesa kuti akuwane iwe unhu hwakanaka. Kunyange zvakadaro, bhenji renyu remukati kana chikwereti chenyu chingave nemasarudzo ayo achakuchengetedza mari zvakare.

Kana ukangowana chikwereti nemashoko akakodzera iwe unogona kutanga kutenga.

Tsvaga Nzira Yakanakisisa Yokubhadhara uye Mari Yokubhadhara

Kana zvasvika pakutora chikwereti chako unogona kushamiswa nemhando dzakasiyana dzemari uye nzira dzokubhadhara dzinowanikwa kwauri. Inogona kuva yakaoma kana iwe uchifunga nezveArms ne PMI . Kazhinji chikwereti chakasarudzwa chechikwereti chemakore gumi nemashanu kana makumi maviri ndicho chakanakisisa. Izvi zvinogona kukubatsira kuti uvhare muzinga rakaderera. Iwe unogona kunge uchitarisa kugadzira mari yekugadzirisa kubhadhara kubhadhara , asi iwe unofanira kungwarira paunosarudza izvi. Iwe unoda kuvaka upfumi nekutenga kwako kumba. Kana iwe ukaita chisarudzo chisina kunaka pane iwe ungaguma uzvikuvadza iwe pachako. Kana mumusika uchingodonha, kana kana uchida kufamba nekukurumidza kupfuura iwe wakaronga, unogona kuwana kuti iwe uri pasi pemvura pane iwe unotora chikwereti uye iwe unokwereta kupfuura imba yako yakakodzera. Kubhadhara pasi kunogona kukubatsira kuti urege izvozvo uye kunoita kuti zvive nyore kutengesa kana uchida kufamba.

Iva Akatendeseka Pamusoro Pezvaunogona Kuita

Iwewo unoda kuziva kuti mari yakawanda sei iwe unogona kuwana . Murairo wakanaka wegumbo ndeyekuchengetedza chikwereti chako pamwe nemitero yako uye inshuwarisi pakati pe25 ne30 muzana yemari yako. Dzimwe nyanzvi dzinokurudzira kuti mari yako yeimba inenge ichingopedzisira kune maviri nehafu yenguva yemari yako yegore.

Inogona kunge yakaremara kana iwe uri varombo veimba . Kana iwe ukashandisa mari yakawandisa pamutoro wako unogona kusakwanisa kusangana nemitoro yako yezuva nezuva iwe chete urege kuponesa kubhadhara. Imba duku inobatsira rugare rwepfungwa. Kana uri kutakura chikwereti (kadhi rechikwereti kana chikwereti chechikwereti chemudzidzi), unofanira kuchengeta imba yako kubhadhara pamucheto wezasi wemari iyoyo.

Tsvaga Realtor Yakanaka

Kana uchinge wasarudza kuti iwe unogona kushandisa mari yakawanda sei uye uri kutenderwa iwe unofanira kuwana mutori akanaka. Realtor yako anofanira kuteerera zvaunoda uye zvaunoda zvakanyatsonaka. Anogona kuita mazano kana kutsanangura pamusika kuti akubatsire kuwana imba inokodzera zvaunoda uye iwe unogona kuwana. Anofanira kupa maitiro akasiyana-siyana. Kana ukangoita kuti mupeti wako aite basa rokutaurirana nemitemo yaunofara nayo. Nzira yakanaka yekuwana a realtor ndeyekukurudzirwa kweshamwari nevamwe.

Kumbira Imba Chekuongorora

Imwe danho rinokosha nderokuongorora musha. Izvi zvakasiyana nekuongorora. Iwe unofanirwa kuribhadharira kuongorora kweimba . Mufambi wemusha achatarisira zvinetso zvakavanzwa neimba. Nekuongorora kwekumba iwe unogona kudzidza pamusoro pezvimwe zvinhu zvinogona kukudzivirira kubva pakutenga imba. Izvi zvinogona kusanganisira zvinetso zvemu mold, mathemiteti, matambudziko enheyo uye denga rakaipa. Kuongorora kunogona kukuchengetedza zviuru zvekugadzirisa gare gare. Uyezve unogona kukwanisa kutaurirana mutengo wakaderera kana uchiziva kuti imba inoda imba itsva. Inobatsira kuva nekutarisa kwekuzvidzivirira pamusha, yakatsaurwa kubva kune iyo vimba vanga vaita. Kana mutori wako arikumiririra vanhu vamunenge vatenga imba kubva, iwe ungada kuwana mutevedzeri akazvimirira kuti aongorore zvinhu kwauri. Tora nguva yekuwana muzinda wakanaka kumba sezvo izvi zvinogona kukuchengetedza mari yakawanda gare gare.

Iva Nemwoyo Murefu MuEcc

Kana wambotumira pamba pako uye chipo chacho chinogamuchirwa iwe uchapinda muchechi. Muchengeti wechikwata achashanda kuti ave nechokwadi chokuti zvinyorwa zvose, mari nemamwe mashoko anodikanwa ari pamwe musati mavhara. Escrow yakasimudzwa kuti inodzivirira mutengi, mutengesi uye mutengi. Zvinogona kutora nguva yekupedzisa kutengesa, kunyange zvazvo nguva yakanyatsoenderana nemamiriro ekukotenga kwako. Kana kamwe chete zvese zvapera kupera iwe uchaisa mapepa ekuvhara. Iwe unogona kana usingaregi kutora mapepa ako emapurisa pane escrow. Kana iwe uchidaro, unogona kukumbira kuti bhangi itumire mumiririri kuti akubatsire kunyatsonzwisisa chikwereti chako.

Swedera uye Famba Muchi

Kana wavhara pamba pako, inguva yekupinda. Unogona kupora, kubvisa uye kufarira imba yako itsva. Iva nechokwadi chokuti iwe unoshandura kero yako nebhangi rako, uye dzimwe nhoroondo. Iwe unogona kuisa zvishandiso zvako uye kubvisa zvizvarwa zvako zvakare. Izvi zvichakuchengetedza nguva nemari, nokuti iwe uchadzivisa kuchengeta mari. Mamwe makambani achada mari yekugadzirisa kana iwe uchitumira akaunti yako yekare kune kero yako itsva.

Mazano:

1. Zvakakosha kuziva kuti iwe unofanirwa kuisa mari yekubhadhara mutero uye weimba yeimba yunivhesiti mumari yako yemwedzi yemwedzi. Neinishuwarenzi uye mutero wako wekugara kwemari mari inofanirwa haifaniri kunge inopfuura makumi matatu kubva muzana yemari yako yemwedzi.
2. Uyezve unofanirwa kuva wakagadzirira kubhadhara mari yako yose yekuvhara kunze kwehomwe. Izvi zvichakuchengetedza mari pane nguva. Kana uri kuwana zvakaoma kuchengetedza kuti uvhare mari yaunenge usingave wakagadzirira kutenga imba.
3. Iva nechokwadi chokuti iwe unogona kutenga imba yako yekubhadhara . Usatambanudza iwe pachako nokuti ungagumisa kurasikirwa neimba yako , iyo inogona kuparadza chero zvakanaka zvakanaka zvaunenge uine mumba mako. Kana iwe usina chokwadi kuti iwe unogona kutenga imba, edza kuomerera kune bhajeti uye zvaunotarisira kuti kubhadhara mari yako kumba uye kuisa mari yakawedzerwa mukuchengetedza. Izvi zvinogona kuvaka chivimbo chako uye mari yako kuitira kuti ugone kuenda mberi nekutenga pamba.