Muverengi anobvunza kuti: "Zvese zvandinenge ndaverenga uye kutarisa paTV inoti ndinofanira kuva mutengi wekumba ikozvino, asi ndiri kuva nehadzika.Zvirokwazvo panofanira kuva nezvikonzero zvekutenga imba nokuti haisi munhu wese anoita. Ndinokwanisa here kutaura kana ini ndiri mumwe wevanhu ivavo vasingambofaniri kutenga imba? "
Mhinduro: Kudos kwauri nokuda kwekufunga kuburikidza kana iwe uchifanira kutenga imba.
Kunyangwe iwe uri mukana wekumba pamba kunobva pane zvinhu zvakawanda, zvimwe zvayo zvinorema kupfuura vamwe. Iwe chete iwe unogona kugona kuti chii chezvinhu izvi ndicho chinonyanya kukosha muupenyu hwako.
Zvinotevera zvipfeko zvitsvuku izvo iwe ungada kufungisisa usati wapinda mukutenga imba kana kuita chisarudzo chekuenderera mberi nekubhadhara. Chero chimwe chazvo chinogona kumira pachenyu sechikonzero chekusatenga imba. Izvo zvingave zvichiri kuve nekunzwisisa kutenga imba kana imwe yemamiriro ezvinhu aya achishanda, asi inopfuura imwe inofanira kunyatsosimudzira mbatya yekuchenjerera.
# 1 Chikonzero Chokusatenga Imba: Hapana Kubhadhara Kwepasi
Kusiyanisa VA zvikwereti uye kuputika kwemapurogiramu ekutenga kumusha, iwe uchada kubhadhara mari yekubhadhara imba yekutenga. Iyi mari inogona kubva kubva ku3,5% yemutengo wekutengesa kune chikwereti cheFHA kusvika kuduku ra 10% kune chikwereti chenguva dzose. Inonyanya kufarira mari inopiwa kune avo vatengi vane 20% kuisa pasi.
# 2 Chikonzero Chekutadza Kutenga Imba: Zvakaipa Zvikwereti
Chikwereti chakaipa chinogona kukuregedza iwe kubva pakuwana chero chekubhadhara mari .
Vaya vane chikwereti chikero pasi pe620 vangawana mari yakaoma iyo inokweretesa pamba, asi mari yekutora nemari ichave iri padenga. Imwe yepamusoro yekutora inowirirana kune imwe yepamusoro kubhadhara chikwereti . Kana uine borderline chikwereti, funga kurindira, uye uchinje mumashandiro ako ekushandisa kuti uvandudze fICO yako chikamu.
# 3 Chikonzero Chekutadza Kutenga Imba: Kuda Kwekwereti Mazano
Vatengesi vanoshandura mitemo nguva yose yekukwereta chikwereti . Kana zvikwereti zvinodya 50% yemari yako yakawanda mwedzi mumwe nomumwe, zvichida haugone kuwana mari yekubhadhara mari pamusoro peavo mari. Nokuti mitemo yakakweretesa yakashanduka kubva pakusungirwa kwekwereti ya2007, chikwereti chako chinoda kuve chakanyanyisa kana kuti hauzombofi wakanyora pasi. Funga kubhadhara pasi kana kubhadhara kadhi yako yemakadhi usati watenga imba .
# 4 Chikonzero Chokusatenga Imba: Little Job Security
Kana une chikonzero chekutenda kuti basa rako rinogona kunge riri panjodzi, ikozvino haisi nguva yakanaka yekutenga imba. Vakawanda vadzimba vemunharaunda vanoenda mukufananidzira vanozoguma munzvimbo iyoyo nokuti vakarasa mabasa avo. Vanhu vasingashandi vanowanzoisa zvinhu zvinokosha pakutengesa zvekutengesa nekuisa gasi mumotokari pamusoro pekubhadhara chikwereti chemari, vachitarisira kuti vanogona kuita mari yekubhadhara chikwereti gare gare. Panzvimbo pezvo, vanowanzoenda zvakadzama mune chikwereti.
# 5 Chikonzero Chekutadza Kutenga Imba: Kana Kuvhura kuri 50% inodhura
Kana chinangwa chenyu chikuru kuisa denga pamusoro pemusoro wako, funga kana zvine njere kubhadhara kupfuura kutenga . Mune dzimwe misika yemasvingo, inogona kunge yakatowedzera kusangana nemari yezvokubhadhara zvekumba pamba apo zvikwereti munzvimbo idzodzo zviri 50% zvishoma kudarika chikwereti chekutenga chikwereti.
Kana matengo emusha ari akakwirira zvokuti vashomanana vanotenga vanogona kutenga imba yavo yekutanga, zvingava zviri nani kubhadhara uye kubhadhara zvishoma kune denga iroro.
# 6 Chikonzero Chokusatenga Imba: Tendai Kufambisa Gore Rese
Kutenga imba inowanzove kuzvipira kwenguva refu. Kana iwe uchida kufara kwekumba itsva, izvo zvinoita kuti iwe ude kuchinja nguva dzose mamiriro ako ezvinhu, unogona kuona kuti hazvigone kutengesa imba yako mutsva munguva shoma shoma pasina kuunganidza kurasikirwa kukuru. Chikonzero icho vanhu vazhinji vanotenga imba ndechokuvaka kuenzana, uye zvakaoma zvikuru kuvaka hutano kana uri kutenga nekutengesa pakadonho rehope, kunyanya munzvimbo umo kukoshesa zvishoma kana kusina.
# 7 Chikonzero Chokusatenga Imba: Ukama Hwakasimba
Kunyange zvazvo vakawanda vasina kuroora kana kuroorwa kutenga imba, kunyanya mukadzi asina kuroorwa mudzimba vatengi , kazhinji imba yekutenga inotengeswa nemumwe wako kana mudzimai wako.
Kana ukama hwako nemunhu iyeye husingachinji, ungaitei kana uri kuvimba nemari yomunhu iyeyo uye kutsigirwa kuti uite chikwereti chekubhadhara mari, uye munhu iyeye anoramba? Panguva iyoyo unogona kutarisana nekutengesa kutsva kana, kana zvishoma, kushandurwa kwechikwereti , zvose zvinosanganisira chikwereti.
# 8 Chikonzero Chokusatenga Imba: Kurasika Real Estate Market
Vanhu vanotenga dzimba mukuderera kwemisika zvinowanzotarisa mukutyisa sezvo kuenzana kwavo kwakanyangarika apo misika inoramba ichiwira. Imba inotenga mumusika unowira unoreva kana iwe ukaisa pasi 20% uye yemusika unowira mamwe mazana mashanu, iwe zvino warasikirwa ne25% yekutsvaga kwako. Poof. Yaenda. Kunze kwehwindo. Nzira imwe chete iyo inonzwisisika kutenga mune mumusika unowira kana iwe uchitenga pasi pasi nekutengesa zvakafanana . Kana iwe uchiedza nguva nguva yemusika yemugove uye uchitenga pasi, huporofita hwako hunogona kunge husina kunaka.
# 9 Chikonzero Chokusatenga Imba: Kufamba Kwose
Ngatitsungei pano. Kana iwe uchifamba nguva dzose, ungadirei kutenga imba? Vamwe vanhu vanoti condos isarudzo yakanaka kune vanhu vari kuenda; inonzi mararamiro-uye-go mararamiro. Vanonzwa kuti vamwe vadzidzisi mumatokari edzimba vachaona imba yavo musipo uye hapana chichaitika. Zvakanaka, zvakadini nemari iyo yemuvakidzani wemuimba iyo inokodzera uye inobhadharwa mwedzi woga woga nokuda kwemashoko anoshandiswa kamwe chete kana kaviri pamwedzi? Izvozvo zvingava doro guru remari.
# 10 Chikonzero Chekutadza Kutenga Imba: Munhu wose Ega Ari Kuzviita
Ichokwadi kuti mumutengesi wemutengesi, vatengi vanowanzoguma mune dzakawanda kupa mamiriro ezvinhu. Izvi ndezvokuti mumisika iyoyo, kuverenga kwakaoma uye kudiwa kwakakwirira. Paunotenga imba mumutengesi wemutengesi, une simba shoma rekutaurirana uye kazhinji uchabhadhara kupfuura zvinongororwa mutengo . Iwe unenge uri nani zvikuru kutenga imba mumusika wemutengesi, apo pane vashomanana vatengi vachikwikwidzana nemari yakawanda yekuenzanisa. Iwe hausi iwe nguva dzose unofanirwa kutevera boka revanhu kuti uite sarudzo dzakachenjera mune zvemari.
Panguva yekunyora, Elizabeth Weintraub, BRE # 00697006, ndiye Broker-Associate kuLyon Real Estate kuSacramento, California.