Kusiyanisa pakati peHurdy Money Kubhadhara uye Kutenga Mari
Kuti tinzwisise kuti kwakabhadhara mari yakawanda sei, tinogona kudzokera kumasikati-uye-buggy mazuva. Nzira inowanzoshandiswa mari pakati pevatorwa mukutanga kweAmerica yaiva mari yegoridhe. VaMamerica vekuAmerica, kune rumwe rutivi, vakatengesa zvinhu zvakadai semakumbo nematanda. Kana ukakwereta mari, waitarisirwa kubhadhara zvakare, uye kubhadhara haisi nguva dzose yezvakabatanidzwa. Mari yakaoma-mari yakakwereta inowanzoregererwa.
Pamusoro penzvimbo yakaderera, kana iwe usina kubhadhara, iwe unogona kupfurwa.
Kuti vagadzirise makoroni, hurumende yeUnited States yakapa zvibvumirano zvenyika mukutsinhana nechivimbiso chemugadziri wekugara munyika, kukura zvinhu zvakadai sezviyo kana kamba, nekusimudza zvipfuwo. Kuti vawane pokugara, vatorwa vakagura pasi miti shomanana uye vakavaka mavheji avo emagetsi. Nhasi, tinotarisira kutenga imba yakange iripo kana tikaripira muvaki kuti tivakire musha mutsva, uye isu hatiwanzove nemusha usina kusununguka-uye wakajeka.
Kune chikamu chikuru, kutenga imba muzana remakore rechi21 kunosanganisira rudzi rwekubhadhara mari. Iko kune kazhinji zvikamu zvitatu zvemutengo wekutenga:
- Inopa mari mari
- Kwose kubhadhara kubva kune mutengi (iyo inosanganisira mari yakashongedzwa mari)
- Kuenzanisa kwekutenga mutengo nenzira yechikwereti chekutenga chikwereti
Mari Yakabhadhara Mari Nekutsvaga Kutenga Mari Mari
Mari yekubhadhara mari ndeyekuti mutengi wemusha anokwereta kutenga imba. Imba iyoyo inogona kunge iri mhando ipi zvayo yemaitiro, kubva kune imwe chete-yemhuri, mazvikwata akawanda, condominium, taundi yeguta, kana kubatanidzwa kwezviyo kune imwe imba inogadzirwa kana inogadzirwa .
Kutenga mari inoita chikamu chemutengo wekutenga. Mari yechikwereti inogadziriswa neimba, zvinoreva kana mutengi achirega kugadzira pa y ments , uyo anokweretesa angave nekodzero yekubata pamba uye kutengesa imba iyoyo kuti awane mari yacho.
Mari yechikwereti chakaoma yakachengetedzwa kumasitendi ndiyo chikwereti icho hachisi mari yekutenga.
Iko mari inokweretwa kune akakwereta, iyo isingawanzoshandiswa kutenga imba. Iwe unogona kuwana mari yechikwereti chakaoma usingatori imba zvachose - pasina chero kuchengeteka kwechikwereti ichocho-kupa mukwereti unonzwa iwe uri mukana wekutengesa chikwereti. Kadhi rechikwereti mari inoendeswa mberi kune mari yakaoma chikwereti. Kana iwe unogona kuwana mari yakaoma iyo chikwereti chakachengeterwa kuenzaniswa mumusha asi chakanga chisina chikamu chemutengo wokutanga wekutenga. Vashandi vemari mari yakawanda vanowanzoda chikwereti uye kuchengeteka kuti vakwanise kuwana chikwereti chakaoma mari.
Mari yechikwereti Mari Dzakaoma Mari Mari
Vanhu vanokwereta mari kubva kune zvikwereti zvinokwereta havagoni kuwana chikwereti kune chero imwe nzvimbo. Vaya vanokwereta vangave vane chikwereti chakashata , hapana mari kana mabasa asina mubvunzo. Vamwe vanokwereta havakwanisi uye vanowira pamatambudziko.
Kana iwe uine pfuma inogona kushandiswa sehuviriro chechikwereti, iwe unogona kuenda kuchitoro chepawn. Kana iwe usina chimwe chinhu chinokosha kutengeserana nemari yacho, mari yakakweretesa yakaoma seye shark yomukwereti ndiye mutengi wekusarudza. Vashandi vanobhadhara vanoita mari yavo nekubhadhara mari yakakwirira-inowanikwa , iyo inowanzorwisana nemitemo yeupfumi. Mari yechibhadharo inogona kushandisa zvinopisa zvechisimba kukurudzira vakwereta kuti vadzorere chikwereti.
Vose vanobhadhara chikwereti vane mari yakaoma mari vanokweretesa asi, nerufaro, havasi vose vanokweretesa mari yakaoma ndevashandi vechikwereti.
Hazvibvumirwi kukwereta mari kune chikwereti chikwereti.
Aina dzeHome Money Loans
Vakawanda vanoshanda mari yakaoma mari vanokweretesa vanoda kusungirirwa nekuchengetedza mari kuti vaite chikwereti. Chibvumirano ichocho, chakadai semusha, chinodzokera kumunhu akaoma mari anokweretesa kana uyo akwereta asina kukwana uye imba inozopedzisira yaenda kunotsvaga. Imba ndiyo inofambisa motokari yekuchengetedza mari yakaoma mari yechikwereti, kupa iyo nzvimbo inobvunzwa inobatanidzwa. Chimwe chezvikonzero zvekutengesa kwemari muna 2007 chaive kukosha kwemisha yakanga yadonha, iyo yakasiya vakawanda vakweretesa vane chikwama vasina kuchengeteka.
Vamwe vatengi vanoshandisa zvikwereti zvakaoma sechinhu chinowanzoita kuti vatengi vatengesi vese vanoda kugadziriswa. Vachaponesa mari yavo uye vanobhadhara pfungwa dzakakwirira kuti vatore chikwereti chakaoma mari nekanguva yekubhadhara nguva. Dambudziko rine nzira iyi ndevamwe vatengi vanyorera zvavanenge vatenga sezvose mari, uye vanoratidza maakaji emari sehupatidzo hwemari .
Kana vakagamuchira chikwereti, zvisinei, mutengesi haisi yose mari.
Heano maitiro akawandisa emari yakakweretesa yakaoma:
- Mortgage Refinancing is Hard Money Loan
Kunatsiridzira kuripa chikwereti chimwe kana zvikwereti zvakachengetwa kune iyo pfuma, izvo zvinoguma mune chikwereti chitsva, kazhinji nebasa rakakura guru. Muridzi weimba anogona kugadzirisa kunze kwekuwana chero chekuwana mari kuburikidza nekugadzirisa mari dzechikwereti chitsva muchiyero chikuru kana kubhadhara mari dzechikwereti kubva muhomwe yaiye akakwereta.
Mukugadziriswa kwemari, mutengi anotora chikwereti chitsva icho chikuru kudarika chikwereti chekare chikwereti pamwe nemari yekuwana mari. Mari iri pamusoro pezvinhu zviviri izvi inonzi "mari kune akakwereta." Ndiyo mari yekutsvaga yekunatsiridza. Vakawanda mari-refinances vari pasi pekutadza kutongwa .
- Equity Loans iHome Money Money Loan
Imba yekubhadhara chikwereti mari inoshandiswa mari yakakurumidza uye inowanikwa kune imwe yekutanga yekubhadhara mari. Mune mamwe mazwi, chikwereti chakaenzana chinowira munzvimbo yechipiri kana yechitatu. Vanokwereta havakwanisi kuwana mvumo yekuwana musha mune zvese makumi mashanu.
- Mibairo yeBhuterari Mari Yakaoma Mari Mari
Bhiriji yezvikwereti inoshandiswa nevatengesi vanoda kutenga imba itsva vasati vatengesa imba iripo asi vanoda mari kubva kumusha uripo. Iwe uchaona bhiriji mari inoshandiswa kakawanda mumisika yevatengesi kupfuura mumisika yevatengi.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.