12 Nzira Dzokuwana Nayo Kubhadhara Kunyoresa
Nhasi, kubhadhara kuri pasi kunowanzova 20%; zvisinei, vanhu vashomanana vane mari yakawanda iyo inowanikwa kwavari. FHA zvikwereti , somuenzaniso, zvinoda chete 3.5% pasi.
Asi chokwadi chinoramba chiripo kuti kana mutengi achiisa pasi, pasi pacho chikwereti. Low mortgage chikwereti anotakura pasi mortgage payments .
Hewa nzira 12 dzekuwana iyo kubhadhara pasi.
Zvichengetedze Kubhadhara Kwemitero
Kana zvakaoma kuti iwe uchengetedze, iwe unogona kuchinja kubvisa kwako kusingabhadhara kubva 1 kusvika zero. Izvi zvinomanikidza mushandirwi wako kubhadharira zvakawanda kune IRS uye kuderedza mari yako yekubhadhara nemari iyo. Kune vamwe vanhu vasina mari uye vasingasaruri, iyo nzira inosimbisa kubhadharwa kwemutero kunowanikwa . Kunyange iyo inowanzobhadhara mutero wemari, asi, inogona kukwana kuti ikubatsire kutenga imba .
Borrow From Parents
Hazvishamisi kukumbira vabereki vako mari kuti ikubatsire kutenga imba. Mitemo yakabhadhara mitero ichaita kuti mubereki mumwe nomumwe chipo chive chimwe chezvinhu pasina mitero (tarisa neCPA yako).
Kana vabereki vako vasingakupi mari, zvichida iwe unogona kukumbira chikwereti chisingachengetedze uye uchiripa icho chakanaka kupfuura vabereki vako vangakwanisa kubhangi kana mumabhuku ekutengesa mari?
Mutengo unobhadhara unogona kunge uri pasi pehuwandu hwehuwandu hunobva kune iwe pachako unokweretesa, izvo zvinoita kuti ihwine-kukunda vose.
Sock Kubva X Zviyero Periodically
Chakavanzika chokugadzira kambani yekuchengetedza kukura ndechekuita mari yakafanana panguva imwe chete mwedzi mumwe nomumwe. Semuenzaniso, kana iwe uchibhadharwa vhiki mbiri dzose uye uchengetedze $ 200 kubva kune imwe yebhadharo, pamagumo emwedzi gumi nemaviri, iwe uchange waponesa mari inodarika madhora mazana maviri nemashanu, usingabatsiri.
Shamba Stuff paBay kana Gara Garage Sale
Munhu wose ane zvinhu zvakawanda. Handisati ndambosangana nemunhu asina. Vamwe vanhu vanopedza zviuru zvegore negore pane zvigadzirwa zvekuchengetedza uko zvinhu izvi zvakaderedzwa. Tarisa muchitini chako, pasi pako, pasi pemubhedha wako uye muzvivako zvako zvezvinhu usisashandisi. Kana usina kuishandisa mugore, uchitengesa pachitengesi chegaraji, chiise paCraig's List kana kuisa bhizinesi yeBay uye uibvise.
Kumbira Seller kuti Akupe Iyo
Hei, iwe hauzombozivi. Kana iwe uchibhadhara mutengo wekutengesa mutengesi , iwe ungashamiswa pane izvo vamwe vatengesi vachakuitira. Vamwe vavo vachakupa chikwereti chekubhadhara sechikwereti kana kubhadhara mari yekuvhara kwako kana zvose. Tarisa nekwereti yako usati wabvunza chikwereti nokuti vateresi vane zvidimbu zvakasimba maererano nekuwanda kwamunogona kuwana. Purogiramu yeNehemiya, somuenzaniso, yakashandiswa kubvumira kusvika 6% sechikwereti kubva kune mutengesi; kunyange zvazvo chirongwa ichi chisisipo, mapurogiramu akafanana anosiyana kubva muguta rimwe nerimwe.
Kugadzirisa Kutongwa Kwokukurumidza
Kubva pakuzvikuvadza zvinokonzerwa nekuzvikuvadza zvinokwidza kumatare ehurumende, kazhinji kunonoka kungoita kuti magweta ave nemari yakawanda, kunze kwekuti nguva-kukosha kwemari inoderera sezvo awa inopikisa. Tinorarama munharaunda inotenderera iyo kunyange kunyange njodzi yemotokari iri nyore inosanganisira kukanganisa kwakanyanya kunopedzisira kuiswa mudare.
Gadzirisa nyaya yacho nokukurumidza uye shandisa iyo mubairo kuti ubatsire kutenga imba.
Tarisa Hurongwa Hurumende
Kana wakashanda nyika yako mumauto akazvigadzirira, iwe unogona kukodzera chikwereti chakatsigirwa neVeterans Administration, inozivikanwa seA VA chikwereti. Hurumende inomhanyawo nevanouraya zvirongwa zvekubhadhara mari yevashandi vekutanga mumba. Uyezve, chengetedza nekwenyika yako kuti uone kana ichipa mapurogiramu chaiwo ekuita kuti pamba pamba ive mune dzimwe nzvimbo.
Tora Jobho Wechipiri
Vamwe vanotora vanozopa manheru manheru kuti vashande chikamu-nguva pabasa rechipiri. Kana iri nguva pfupi, ingasave yakaoma kuita. Inogonawo kuva basa remwaka yakadai seKubonga kwaKrisimasi kana kukwanisa kushanda nguva yekutengesa munguva yegore.
Kumbira Kuti Simuka
Gara pasi manheru manheru uye nyora rondedzero yezvose zvawakaita mugore rapfuura rakaita kuti kambani yako mari kana nenzira yakawanda iwedzere miganhu yayo.
Rondedzera zvinhu zvose. Zvadaro tora rondedzero kumuranda wako uye ukumbire kukudzwa. Kumbira kupfuura iwe unofunga kuti uchagamuchira. Iwe hauzombozivi kuti iwe unogona kuzviwana.
Wana Izvo Zviri nani Kubhadhara Jobho
Chero bedzi munda wako webasa uchiri wakafanana, kutora basa rakasiyana harifaniri kukanganisa chikwereti chako chekushandira. Pamwe inguva yekutsvaga basa pane imwe nzvimbo ichabhadhara zvakawanda. Tarisa nehofisi yako yebasa rekugara, unyore nevezera rako uye utumire mabhaikisi kune makambani maunoda kushanda, pasinei nokuti inozivisa nzvimbo.
Tapira Mari Yako Rekushandisa Mari
Dzimwe nhoroondo dzekubvisa mari dzichakubvumira kubhadhara kwavari kuti vatenge imba. Tarisa neCPA yako yemitemo yezvino. Mimwe mhando dzenyaya dzinodikanwa dzinokubvumira kuti ubvise chikamu chikuru kunze kwechirango.
Chimbofunga 100% Kubhadharira
Kana uine chikwereti chakanakisisa, iwe unogona kukwereta chikwereti che 100%, uchipa nzvimbo yako inopa mapurogiramu aya anonyanya kukosha ekutenga kumusha . Iyi inogona kuva imwechete yekutengesa inshurensi kuburikidza ne mortgage inshuwarisi , kana iwe unogona kukodzera chikamu chechipiri chekutenga chikwereti , chaunofanira kutengesa. Taura newaunotenga chikwereti chako kuti uone kuti mapurogiramu angawanika iwe.
Panguva yekunyora, Elizabeth Weintraub, DRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.