Mubvunzo: Tinofanira Kutenga Imba Musati Taroorana Kana Takamirira Kutenga Imba Mushure Mokuroorana?
Muverengi anobvunza kuti: Mukomana wangu neni tiri kuchata muna July, asi tinoda kutenga imba tisati taroorana. Tiri mapenzi kuti titenge imba tisati taroora here? Shamwari dzinotaura kuti zvinodzvinyirira zvakanyanya, asi ndinofunga zvinonzwisisika kuva nemusha wedu mutsva watenge wazvitenga uye akagadzirira kuenda kune isu tisati tamboenda pausiku hwedu. Unogona here kufunga nezvechikonzero chipi zvacho chatinofanira kutenga imba asati taroora ?
Mhinduro: Zvakanakisisa zvido zvekuuya kwako. Ndinotenda kuti murume nomudzimai vanobatanidzwa vanoda kusarudza imba yekutenga sevanenge vasarudzwa. Vakawanda vakaroorana vanotenga imba nhasi vasati varoorana nokuti vanoona zviri nyore. Iwe unogona kunge wakagadzikana zvakakwana sezvazviri nekugadzirisa muchato uye ramangwana rako.
Zvisinei, mazano angu kwauri akangofanana neapikuti ndinopa kune ani zvake akazvipira, kana akabatanidza ruzivo, akadziviswa kubva kuroorwa nekuda kwemitemo yekuroorana yechato kana kusarudza kusaroorana kana.
Matanho Kuimba Kunotenga Kupera Usati Waroorana
Uya kubvumirano pamusoro pezvinhu zvinokosha zvekutenga pamba asati aita mabasa eimba yeimba yeimba . Kana iwe mose muchigovana zvinodiwa zvinodiwa, izvi hazvifaniri kunge zvakaoma. Zvisinei, ndakaona vakaroorana vari kupesana, izvo zvinowanzoitika mune rimwe boka, kurwisana nekutonga kwakanaka, kubvumirana kugutsa zvido zveumwe.
Saka, simbi kunze kwekupokana kwako.
- Mhando dzemisha
Vamwe vakaroorana havagoni kubvumirana pamutauro. Mumwe anogona kunakidzwa nemashoko ekutanga mumisha yakwegura kupfuura mutsva , asi mumwe wacho angasimbirira pakutenga chivako chitsva. Chibvumirano chingave chiri kutenga imba pane chirongwa chekudzivirira. - Vavakidzani
Deredza pasi dzako zvitatu zvakasarudzwa munzvimbo dzomunharaunda uye fambisa mumangwanani, masikati uye manheru. Taura nevavakidzani vanogara mumigwagwa maungangotenga kutenga. Chimbofunga kufamba nzvimbo munzvimbo yekupera kwevhiki uyewo mukati mevhiki kuti uwane pfungwa yemigwagwa nemabasa ekugara.
- Price Range
Kutora mutengo wemari uri nyore kana iwe uchitaura kune chikwereti chemari yekuwana mari yekuwana kuti mari yakawanda sei yaunogona kutenga . Vamwe vakaroorana vanosarudza kusarudza mari yemusha kubva pane imwe mari, kana munhu mumwe chete apedza kusashanda, anorwara kana chimwe chikonzero chinorasikirwa nemari yemwedzi.
Nzira Dzokubata Musoro Usati Waroorana
Nzira iyo iwe unowana chigaro inobata nehutongerwo huri hwepamutemo uye yekuendeswa kune chiitiko chekufa. Mamwe mazita ezita anotakura mitsara yemitero. Iwe unofanirwa kutaura neyemhosva kuti uwane mitemo yako yehurumende uye kuti kubata musoro kuchakukanganisa iwe sei. Zvimwe zvinotaura zvinorega nzira dzekutora musoro ; somuenzaniso, vanhu vakaroorana chete vanogona kutora musoro sevanhu vemunharaunda.
Zvinowanzoitika ndezvi:
- Joint Tenants
- Vagari vemunharaunda mune Common
- Sole uye Yakasiyana
Mipiro Yezvemari kuNzvimbo Yokutenga
Kunze kwekubhadhara pasi , iwe uchaitawo kuti uvhare mari . Zvose zviyero izvi uye usarudze kuti zviyero zvipi zvese zvichagovera kutenga. Vanhu vazhinji vanoparadzanisa mari 50/50, asi dzimwe nguva munhu mumwe ane mari yakawanda kupfuura imwe.
Kana zviitiko zvekubhadhara mari zvisina kukwana, vakaroorana vangaisa nhamba yehuwandu nehuwandu hwehuyo pahuwandu hwepakati. Semuenzaniso, taurai kuti vaviri vanobatana pamwe chete mari ye $ 160,000 pagore.
Kana Judy akaita $ 90,000 nemumwe wake, Sharon, anowana $ 70,000, mari yaSharon inowanzoita 43.75% yemari inowana mari.
Saka, Sharon naJudy vanobvumirana kuti mari yaSharon yekubhadhara mari yekubhadhara uye yekuvhara mari inofanira kuva 43.75% yehuwandu, achisiya Judy kutora zvinosara 56.25%. Vakaroorana vanoshandisa zvikamu zvakaenzana kune zvakagadziriswa vanowanzoshandisa zviyero zvakafanana kuti vaone kuti ndiani anokwereta mari yakawanda pamusoro pekubhadhara chikwereti .
Musha Kutenga Mortgage zvisarudzo
Iwe uchakurumidzira kuziva kana wawakaroorana naye kana kuti munguva pfupi-kuva-muve mukana wekutora ngozi, zvichienderana nerudzi rwekubhadhara mari yaanoda. Fixed-rate mortgages haina ngozi shoma asi dzimwe nguva inotakura huwandu hwemari kune yakagadziriswa.
Aya ndiwo mazita anozivikanwa ezvinyorwa zvemari:
- Kufarira-chete hybrids.
Zvikonzero zveKubha kutenga Chibvumirano Chobvumirana Musati Muchato
Kunyange zvazvo vakaroorana, hukama uye hukama hwakatanga hukama, dzimwe nguva vakaroorana vanorasikirwa nekutarisa uye vanotsauka pane zvakasiyana. Nokuda kwechikonzero ichocho, pfungwa yakanaka yekuisa zvibvumirano zvose zvemari mukunyora. Bata gweta rezveimba.
Saronga zvisati zvaitika zvichaitika kana mumwe kana vaviri venyu musarudza kuparadzana nekambani. Iwe ungatengesa imba here kana kuti rega imwe sangano ichatenge imwe yepati? Kana iwe uchitengesa, Somuenzaniso:
- Iwe uchagadzirisa sei mutengo ?
- Ndiani achasarudza muongorori wekutsvaga ?
- Mari iyo inowanikwa ichaparadzaniswa sei?
- Iwe uchaitei kana iwe ukaguma uchibhadhara kutengesa nokuti mushure mokuderedza mari yekutengesa, iwe hauna kuenzana? Kana zvakanyanya kuipa, iwe unoda kuedza kutengeswa pfupi?
- Chii chinoitika kana imba yako isingatengesi?
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.