Zvakaipa Zvikwereti? Ndeipi Iyo Ungakwereta Kunze Kwebhangi?
Apo vanhu vanotaura nezvezvikwereti zvemunhu oga, vanowanzoreva chimwe chezvinhu zviviri:
- Mariro kubva kune mumwe munhu kunze kwebhengi rekodhi kana kuti credit union, kana
- Zvikwereti zvevadzidzi zvisingauyi neDhipatimendi reZvondo
Tichafukidza zvose zvemashure aya kuitira kuti ugone kuwana mari yaunoda kubva kune chikwereti chakanaka.
Kutsvaga Muteveri
Kune nzira dzakawanda dzokukwereta mari mazuva ano. Mabhandi nemakambani emakwereti dzimwe nguva havadi kukweretesa kune vanokwereta vane zvishoma-kupfuura-vakakwana chikwereti (kunyange zvakadaro hachisi nguva dzose ). Somugumisiro, vatsva vatsva vakatamira.
Zvinosuruvarisa, kutsvaga vatengi kune dzimwe ngozi - kunyanya kana iwe uchibva kure nenyika ine tsika yevatenzi vemazuva ano. Zviri nyore kuwana chizivi chako chakabikwa paIndaneti, uye vanokweretesa vachivimbisa kushanda nevakwereta vane mari yakaipa mari inowanzokosha (iyo inogona kuita kuti zvinhu zviwedzere kudarika zvavari kare). Usati wazadza chikumbiro, shandisa chibvumirano, kana kutora chero mari, ita nechokwadi chokuti uri kushanda nemunhu anokweretesa ane mbiri.
Usakanganwa vaduku, vatengesi vemunharaunda: iwe unenge wakagadzirira kubhadhara kubva kupi zvako kunze kwebhangi, asi usingaregi mabhenji emunharaunda uye masangano emakero emunharaunda .
Aya masangano maduku kazhinji anowanzogadzirira kukwereta kana une chikwereti chakaipa. Panzvimbo yekutarisana nemitemo yakaoma, une mukana wekugara pasi neine chikwereti kuti ukurukure zvaunogona kuita. Chiyero chekubhadhara chikwereti kubva kubhangi kana kubhadhara chikwereti chiri nani zviri nani pane kuenda nemunhu anotora chikwereti kana kuwana chikwereti chemari yekubhadhara .
Vanokweretesa paIndaneti: kubvira apo vezera-ku-peer vakakweretera vakarova chiitiko, zvakave nyore nyore kukwereta, kunyange nezvimwe zviremera mumakero enyu emari. Mumwe nomumwe anokweretesa angave akachinjeka kupfuura mabhanki makuru, uye kuenzaniswa navo zviri nyore. Kubva panguva iyoyo, mamwe mhando dzevatengesi vepaIndaneti vakaita kuti zvikwanise kukwereta kune vasiri vebhanki. Vashandi vane mari yakawanda vanopa mari yekubhadhara mari, uye mitero inowanzokwikwidzana.
Kukwereta kubva kuvanhu vamunoziva: kana shamwari kana vemhuri vane mari yakawedzerwa, vangave vachida kukukweretesa. Asi zvakakosha kuti munhu wose aite nechikwereti chakasununguka, chinosanganisira chibvumirano chechikwereti, mazwi chaiwo ekubhadhara, uye kunyange kutaurira kune mari yechikwereti (iyo inokubatsira kuti uvakezve chikwereti chako , saka unowana mamwe mazano mune ramangwana). Tanga nehurukuro yakajeka uye yakatendeseka pamusoro pezvaidiwa nemunhu wese uye zvatinotarisira, uye ingofambira mberi kana iri yakakodzera. Kuti uwane mamwe mashoko nezvekuchengetedza munhu wese anofara, verenga pamusoro peiyi dzinogadzirisa zvikwereti zvemhuri zvinobudirira (tora zvikwereti neshamwari uye vanozivana nenzira imwechete).
Imba yemari yemari: kana iwe uri mubhadhadzi weimba, unoda mari nguva zhinji, uye kukumbira zvikwereti kunorwadza. Vamwe vanhu vari voga (uye mamwe masangano) vanoita basa rekuita zvikwereti zvakapetwa kune vashandi vemari, uye zvakakosha kuti uzive nevaya vatengesi.
Dzimwe nguva dzinozivikanwa semari yakaoma mari yechikwereti , idzi zvikwereti zvinogona kuvharwa nekukurumidza, uye haunoda hutsika hwemagariro emari uye zvinhu izvo vamwe vanokweretesa vanoda.
Mari dzevadzidzi
Kana uri kukwereta zvekudzidzisa, mune maviri maitiro ezvokutanga zvezvikwereti: federal yemari nemari yezvikwereti.
Tanga nehurumende yemari yekubhadhara mari: zvikwereti zvinopiwa kuburikidza neDhipatimendi reZvondo zvinowanzotarisana newe, uye kazhinji kuchenjera kukukwereta zvaunogona kuburikidza nezvirongwa izvi usati watendeukira kuchikwereti chemunhu ari oga. Kune vanhu vakawanda, hurumende yemari yechikwereti inonyanya kuchinja uye inokanganwira (kunyanya kana iwe ukawira panguva dzakaoma). Uyezve, chikwereti chako hachina kukosha nehurongwa hwehurumende huripo.
Vadzidzi vezvikwereti vega voga: kana iwe usingakwanisi kubhadhara zvakanyanya sezvaunoda nehurumende yemari yako, zvakanaka - iwe unogona kuwana zvakawanda nemari yako yega .
Zvisinei, zviri nyore kwazvo kuwana mari yevadzidzi vechikoro nemukwereti wakanaka. Vadzidzi vakawanda vane mari shoma kana kuti havana mari, izvo zvinoita kuti zvive zvakaoma kuratidza kuti iwe unokwanisa kubhadhara. Kuti uwane kugamuchirwa nemunhu anokweretesa uri wega, unogona kushandiswa kushandisa cosigner (anotora matambudziko ose ekukwereta newe).
Nguva dzose inokosha kukoshesa kuti mudzidzi wechikwereti zviri nyore kuwana uye zvakaoma kubhadhara . Borrow zvishomanana, uye funga kuti iwe uchakwanisa kubhadhara sei zvikwereti pashure pokunge wapedza kudzidza.