Zvinhu zvekuda uye kuvenga nezvezvemari yekudzorera
Kutendeseka, handizivi. Mamiriro ezvinhu akanaka, zvikwereti zvekudzokera kune dzimwe nyika zvinogona kudarika zvinokanganisa.
Imwezve inotora chikwereti inongova chigamba chinogona kukubvumira kugara mumba mako, kubhadhara pachena, uchishandisa imwe mari yako yakatenga imba iyoyo pakutanga.
Izvo zvichitaurirwa, sechinhu chipi nechipi chikuru chekuita mari, iwe unoda kuita basa rako rechikoro usati waona kana chiri chikonzero chakanaka kwauri.
Pasi apa uchawana zvinhu zviviri zvaunoda, chinhu chimwe chekuvenga, uye zvinhu zvishanu zvaunofanira kuziva pamusoro pekudzosera mari.
Kufanana:
1. Kugadzikana
A reverse mortgage inokupa kukwanisa kushandisa pamba kuenzaniswa kwe "extras" yakadai sezororo yegore negore, motokari itsva kana imba inovandudzwa. Izvi zvinogadziriswa zvinobva pakukwanisa kutora kuenzana semari yemari, yakagadzirirwa mwedzi miviri, mutsara wechikwereti, kana kusanganisa kwayo.
Kushandisa mikanzvi yekutsvaga muInternet kuchakupa muongorori wehuwandu hwaunogona kuwana kana iwe uchiisa zip code yako, zera, kukosha kweimba uye iripo mortgage balance (kana iwe uine imwe).
2. Kusabhadhara mari
Izvi zvinongoreva kuti chikwereti chakabhadhara hachikwanise kudarika kukosha kwezvino kweimba. Apo imba yacho inotengeswa, mushure mekubhadhara chikwereti chechibhadharo, iyo inoramba iripo inouya kwauri neimba yako.
Ruvengo:
1. Sleazy sales tactics
Kana mumwe munhu ari kuedza kutaura newe kuti atore mari kubva mumba mako kuti atenge chigadzirwa chemari chichavabhadhara komisheni (yakadai se annuity), shandisa kumakomo.
Vanhu vakawanda vanorumbidza mazano akadaro haasi vashandi vezvemari. Ivo vatengesi; imwe trick ponies, iyo inonyengera inovabatsira, kwete iwe.
Pane dzimwe nguva iyo inogona kuve yakanakira kushandisa imba yekuenzanisa kutevera zvimwe zvikwereti, asi mazano aya ane dambudziko rinowedzera, uye rinofanira kungoshandiswa chete nevashambadziri vakanyatsonzwisisa uye vanogona kuwana migumisiro.
Ngwarira:
1. Kufamba mushure mokutora chikwereti chekare
Kungofanana nechikwereti chero chipi zvacho, kune mari yekutanga uye mari inoshandiswa paunotora reverse mortgage. Nekudzoka kwekutengesa pane kubhadhara zvinhu izvi kubva muhomwe, mari yacho inongowedzerwa kune chikwereti chemari yacho. Iwe unoda kubvisa mari idzi idzi kwenguva yakareba.
Kana ukaronga kuenderera mberi mumakore 2-4 anotevera, tsvaga nzira dzinodhura dzisingabhadhari dzokukwereta mari usati washandisa revers mortgage.
2. Kuchengeta imba mumhuri
Pamusoro pekufa kwako (kana munhu wechipiri akafa kana iwe wakaroorwa) iyo inotora mari inotora mari inofanira kubhadharwa. Kana pasina mari yakakwana mune imwe nzvimbo, vagari venhaka yenyu vanogona kutengesa imba yekubhadhara chikwereti.
Kana chinangwa chenyu chiri kuchengetedza imba yacho mumhuri, iwe unoda kuita kuti vagari venhaka vave nekwanisi kubhadhara chikwereti, kana kuti kugadzirisa nzvimbo yacho zvichienderana nechechi chikwereti. Zvichenjerere iwe kutanga zvakadaro. Kuchengetedza imba mumhuri kungave kwakanaka, asi kana chikwereti chinotora chikwereti chingakupa mari yakawedzerwa iwe unofanirwa kuva wakanaka uye zvichida ndizvo ndizvo zvaunofanira kuita.
3. Mamiriro ezvinhu emisika yemari
Nhamba yemari yaunogamuchira inobva pazera rako uye kukosha kwekuverengwa kweimba yako. Kutora revers mortgage apo misika yemugove iri mune slump zvinoreva iwe uchakwanisa kuita zvishoma.
Kune rumwe rutivi, kana iwe ukatora chikwereti chekubhadhara kana mushamba uri kuwedzera, uye gare gare uchisarudza kutengesa imba yako mumusika wepasi, unogona kunge uine zvishoma zvishoma zvakasara.
4. Kutora mabasa
Iwe unogara uchichengetedza zita (umu) weimba. Nokudaro, iwe unobhadhara mitero uye inshuwarisi uye unofanira kuchengetedza imba yacho zvakanaka. Izvi zvinoshanda zvakafanana nenzira ipi neipi yekutengesa. Kana iwe usingabhadhara mitero yako, iwe uchange uri mumatambudziko.
5. Kukodzera kwekufungidzira
Chero chipi nechipi chaunowana kubva kune reverse mortgage ndezvekubhadhara mutero - izvo zvakanaka. Kunyange zvakadaro mari yakagamuchirwa ichaverengwa sechinhu chakanaka kana semari uye inogona kukanganisa kukodzera kwako kuMedicaid.
Mari inenge isingabatsiri Social Security kana Medicare inobatsira.