Unogona Kutenga Imba uye Uwane Chigodhi Kana Une Chikwereti Chechikwereti Chevadzidzi?

Shandisa mazano gumi kuti uwedzere mikana yako yekukodzera

Hapana mubvunzo pamusoro pazvo: kuva nechikwereti chemari chikwereti chevadzidzi kunogona kukugadzirisa matambudziko kana iwe uchida kutenga imba inoda kutenga chikwereti. Chimwe chidzidzo chakaratidza kuti 75% yekoroji yepamakoroji nevadzidzi vechikwereti vakati zvikwereti zvavo zvakadzivirira kuti vasatenga imba kana motokari.

Mamiriyoni ekiraji vadzidzi vari kutambura pasi pechiremera chakadai chezvikwereti zvevadzidzi uye kadhi rechikwereti chikwereti icho chiroto cheimba yeimba inogona kuonekwa sechisingakwanisi kusvika.

Asi hazvibviri. Iro zano riri munyaya ino rinogona kukubatsira kutenga imba, kunyange nemari yechikwereti chemudzidzi.

Nzira yekuwana chikwereti kana iwe une chikwereti chemudzidzi

Hezvino misungo gumi yaungashandisa kukubatsira kuti uwane chikwereti chemari, kunyange iwe une chikwereti chechikwereti chevadzidzi:

1. Kana iwe uine $ 10 000 kana kupfuura muzvikwereti zvevadzidzi , unogona kukwanisa kuwedzera pamutengo wakaderera kuderedza mari yako uye kushandisa mari yekuchengetedza kubhadhara kuripo mumba.
2. Ita zvinangwa zvemari iwe, izvo zvichakubatsira iwe kutarisa pamufananidzo mukuru uye kurega kushandiswa kusingakoshi.
3. Dzivisa kadhi rechikwereti chikwereti . Iva nekodhi imwechete kana mbiri mbiri dzekwereti uye ubhadhe zviyero pamwedzi wega wega. Kana iwe uchifanira kutakura zvikwereti zvekadhi rechikwereti , uende nazvo kumakadhi nemazinga akaderera kana zvichibvira.
4. Isa gwaro rekubhadhara zvikwereti zvako nenguva kuitira kuti urege kukuvadza chikwereti chako, iyo inokosha mukuwana mari yakanakisisa yezvikwereti pamari yekugadzira mari, zvikwereti zvemotokari , nezvimwe zvikwereti.

1. Chengetai chikoro chako chekwereti gore negore nokuda kwezvisizvo zvisingazivikanwi uye uzvigadzirise kana pane. Kana uri kuronga kutenga imba, tanga kurongedza chikwereti chako chikwereti mwedzi mitanhatu usati watanga kusvetwa kweimba, uye utore matanho ekuvandudza maranho ako.
2. Dzivisa kutora zvikwereti zvitsva kana kushandisa chero mutsva yemakadhi matsva mumwedzi usati watanga kutarisa imba.

1. Bhadhara chikwereti chakawanda sezvaunogona kutanga usati watanga kushamba mumba, izvo zvichakubatsira kuti uwane chikwereti.
2. Gadzirira bhajeti chaiye uye iva nechokwadi chokuti iwe unokwanisa kunyatsoita mari yekubhadhara chikwereti pane imwe chikwereti chako.
3. Chengetedza mari yose "yakawanikwa": mitero yekubhadhara mitero , mabhonasi, mari yepamusoro yekubhadhara, uye zvipo zvemari, kuenda kumari yako yekubhadhara kana yekuvhara .
4. Funga motokari inodhura uye ushandise musiyano mukubhadhara kubhadhara pasi chikwereti chekwereti chikwereti kana kuchengetedza kubhadhara kwako pasi.

Iko vanokweretesa vanoda kuona

Vatengesi vanonyevera kuti mari yechikwereti yevadzidzi inopfuura 8% yemari yaunowana inoonekwa seisingaitiki. Vadzidzi vakawanda havaverengi kuti chii chavanobhadhara pamwedzi pavanenge vachikwereta mari yechikwereti yevadzidzi , zvinoreva kuti vanotya kana vachifanira kutanga kubhadhara.

Kuchengeta mari yako kune 8% yemari yako inogona kuoneka inogona, asi 8% inofanira kuva yezvikamu zvako zvose zvisiri chikwereti chekutengesa kuitira kuti iwe ugone kuwana mari yako.

Kune mumwe munhu achiita $ 40,000 pagore, izvi zvaizova madhora 275 pamwedzi (nokuda kwechikwereti chemari yevadzidzi, kubhadhara mari yemotokari , uye kubhadhara kadhi rechikwereti pamwe chete), pamadhora ekuderera. Kana zvikwereti zvikwira, ndizvo zvichaitawo ramangwana rako rekubhadhara chikwereti chemari.

Unonyanya kutengesa kubhadhara madhora kubva pamari yako yepamwedzi kana uchikwanisa.

Kana uchiri kuchikoro, verenga izvi

Pamberi pekugadzirira, kushandisa zvakanaka, nekuwana mari yakawanda sezvinobvira apo kuchikoro kunogona kubatsira kuderedza mutoro wemari yekubhadhara chikwereti chevadzidzi .

Ngwarira kuti iwe unopedza sei chikwereti chako chemudzidzi mari. Kudzidzisa, nzvimbo uye bhodhi, uye mabhuku ezvinyorwa zvinoratidza nzira dzokushandisa mari yako. Kudya kunze, kutenga mimhanzi uye zvipfeko, kupfuurira kuputsika kwegore, kana zvimwe kubhadhara mararamiro ako ehupenyu, haisi nzira dzakanakisisa dzokushandisa mari iyo yemari.

Kunyangwe iwe usingashandisi zvakananga yako chikwereti chemudzidzi mari nokuda kwechikonzero chausina kudzidza, kushandisa chero mari yako pachako pane zvinyorwa zvinoreva kuti une mari shoma yekudzidzisa kwako (uye zvichida inogona kukwereta zvimwe).

Iwe haufaniri kurarama semurombo (izvo hazvisi kufadza munhu), asi edza kuchengeta mupfungwa kuti dollar yose yaunoponesa (seinenge isingashandisi) idhora duku, pamwe nekufarira, iwe iwe ' Tinofanira kukwereta.

Yeuka kuti zvikwereti zvevadzidzi zvinotora makore 10 kusvika ku20 kuti ubhadhara, izvo zvinoreva kuti iwe uchava (zvisina kurongeka) kuripa avo "vaduku" zvishoma kwemazana gumi anotevera kana maviri.

Kubatsira kwezvemari , mabasa ezhizha, mabasa ekugadzirisa nguva panguva yegore rechikoro, zvikwereti zvakasvibiswa uye kuongororwa kwemari uye kushandiswa kunogona kuderedza zvikuru, uye kune vamwe vanhu, kubvisa, kudiwa kwezvikwereti zvevadzidzi .