Iwe Unoda Kubhadhara Mumusha Wako Kuti Ubudise ChechipiriMuthengesi
Mubvunzo: Sei uye tinowana kupi chikwereti chechipiri?
Muverengi anobvunza kuti: "Ini nemudzimai wangu takanga tanga tichifunga nezvekutenga imba yakakura.Ababa vangu vatongi vaiti tipe chikamu chechipiri chekutenga chikwereti uye tiwedzere goro repiri kumusha wedu uripo.Asi ndakanzwa mabhengi asingaiti yechipiri mari yekugadzirisa zvekare.Tingawana sei chikamu chechipiri chekutenga chikwereti? Kuwana chikwereti chechipiri chinotora chii? "
Mhinduro: Pamberi pemakore ekupedzisira ekupedzisira kwema1990 nekutanga kwema2000, anenge chero ani zvake aigona kuwana chikwereti chechipiri.
Vakawanda vanobhadhara musha vakagamuchira chikwereti chechipiri kuti vavabatsire kutenga misha. Kazhinji izvi zvikwereti zve piggyback , zvinosanganisira 80 muzana yekutanga kutengesa uye 20 muzana yechipiri chikwereti. Icho chinoreva 100% mari yekubhadhara.
Izvo zvikwereti zvezvikwereti zvishoma uye zvakaparadzana nhasi. Asi hazvirevi kuti muridzi weimba haakwanisi kuwana chikwereti chechipiri . Zvisinei, vazhinji vatengi vanoda kuwona kuti imba inobatanidza vasati vazofunga kubvumirana neimba yeimba yechipiri yekubhadhara mari. Pamberi pemakemikari eimba yekuputsika kwegore ra2008, munhu akwereta aigona kuwana chikwereti chechipiri kusvika kune zana muzana yemari yemari yemusha, uye dzimwe nguva kune zvakawanda kupfuura izvozvo. Nhasi, mabhendi anoda kuchengetedzwa kwechokwadi, kuongororwa uye kutsigirwa nehutano hwakasimba , nokuda kwezvikwereti zvakadaro.
Chii Chinonzi Chikwereti Chechipiri?
Chikamu chechipiri chekubhadhara chikwereti chave chidiki muchinzvimbo chekutanga chekubhadhara mari. Panzvimbo yekugadzirisa imwe chikwereti chokutanga kuburikidza nechinzvimbo chepamusoro chekutenga chikwereti , anenge akwereta angasarudza kutora chikamu chechipiri chekutenga chikwereti.
Kana zvikwereti zvako kuti uwane chikwereti chechipiri chekubhadhara chikoro chinoenderana nemari yakakweretwa, mari inobatanidzwa nemari yacho inenge ishoma.
Cherechedza kuti chikamu chechipiri chekutora chikwereti chinogonawo kuva chikwereti chikuru chekutora chikwereti kupfuura chekutanga chekubhadhara mari. Icho hachisi chido chekuti chikamu chechipiri chechikwereti chechipiri chive chiduku kupfuura chekutanga.
Vashandi vakawanda vanogadzira hukuru hwechipiri chekutenga chikwereti kune chido chekuda uye kubhadhara mari. Chidiki chekutenga chikwereti chinorevawo mari shoma yekuvhara, iyo inogamuchirwa nguva dzose.
Kuti tijekese zviri nani, regai titarise muenzaniso wechipiri chikwereti.
Iti imba yako inokosha $ 200,000. Iwe unokwereta $ 120,000 pamutengo wako wokutanga. Bhangi ringashandisa hutongi huwandu hwe80% kuti hubhadhe 80 muzana ye $ 200,000, kana $ 160,000, kana chikoro chako chikoro chakanaka.
Mushure mokubvisa chikwereti chako chekutanga che $ 120,000, unogona kukwereta $ 40,000 pane yechipiri kutenga mari asi uchiri kuchengetedza kuchengetedzwa kwekuchengetedza kwe20%. Chechipiri yekubhadhara chikwereti iko zvino yakanyorerwa mumasangano evanhu uye inosangana neimba yako. Kana iwe usingakwanisi kubhadhara, bhendi inopa bhizinesi mutemo wekubata imba yako mukufanoziva.
Zvikonzero zvekutora chikwereti chechipiri
Nharaunda yekufarira uye purogiramu yekubhadhara inogona kunge yakakosha pane yechipiri kutenga chikwereti kupfuura kugadziridza yako iripo yekutenga chikwereti muchikwereti chikuru . Somuenzaniso, kana yako $ 120,000 kutenga chikwereti ichibhadhara pa6,5 muzana inowanikwa, chikamu chechipiri chikwereti chinogona kuwanika pamutengo wakaderera , zvichida 5 muzana kana kudarika, zvichienderana nemakemikari ekuchinja.
Uyezve, mari yekuwana chikwereti chemadhora makumi mana (40,000) inogona kunge yakakura zvikuru kana ichienzaniswa nemari yekuwana mari ye $ 160 000.
Zvimwe zvechipiri zvikwereti hazvibhadhari munhu anotora mari chero ipi zvayo zvachose-zvingasava nemari yekuvhara . Somuenzaniso, mari yekuvhara yakawanda inosvika 3% yebhadharo. Zvikamu zvitatu zveDhora 40,000 ndeye $ 1,200 chete, zvichienzaniswa neatatu muzana ye $ 160 000, iyo inenge $ 4 800.
Chii Chaunogona Kuita Nemari Kubva Kuchengetwa Kwechipiri?
A chikwereti ichabvunza kuti nei iwe uchida chikwereti chechipiri pamushandi wako wechikwata . Unogona kufunga kuti haisi yebhizimisi rebhizimisi, asi vateresi havabvumirani newe. Heano zvikonzero zvinokweretesa chikwereti:
- Musha kugadzirisa kana kuwedzera
- Kuvandudza Kwemusha
- Dzidzo
- Emergency medical
- Kutsiva mari inotendeseka
- Kuchengetera vanovimba
- Kubhadhara chikwereti, kana zvine musoro
- Kutakura
- Bvisa bhaibheri kuchengetedzwa
Vatengesi havafariri kutora chikwereti nokuda kwekuderedza zvinhu. Bvunza iwe chikwereti chako pamusoro pezvinhu zvakakosha zvekushandisa mari yako usati waita zvechipiri chikwereti.
Uyewo gara uchifunga kuti Mutero Wemitero uye Jobs Act we 2017 unoramba uchibvumira chikwereti chinotora chikwereti chechipiri chikwereti kana zvikwereti zvinowanzoshandiswa kutenga, kuvaka kana kuvandudza imba.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.