Vadzidzisi vekumba vanovaka sei Equity
Chii Equity?
Equity ndiyo chiyero cheimba yako yaunenge iwe . Kana ukakwereta mari kutenga imba yako, unogona kuverenga kuenzana kwako nekubvisa chikwereti chako chikwereti kubva pane kukosha kweimba yako. Kana ukagumisa nenhamba isina kunaka, une hutano husina kunaka - imba inokosha kudarika iwe unokwereta nayo.
Muenzaniso: imba yako inokosha $ 250,000 uye iwe unokwereta $ 100,000 pamutengo wako. $ 250,000 kudarika $ 100,000 inokwana $ 150,000 yehutano mumba mako. Ichi ndicho kukosha kwaungaita chimwe chinhu kana iwe wakatengesa imba.
Nzira Yokuvaka Equity
Kunyanya kuenzana iwe unazvo, zviri nani. Kune nzira mbiri dzekuvaka kuenzana:
- Imba yacho inowedzera kuwedzera
- Nhamba ye chikwereti inoderera
Iwe unogona kutora nzira inoshingaira kana yekunyengera yekuvaka kuenzana, zvichienderana nezvinangwa zvako, zvese zvako, uye rako.
Wedzerai Property Value
Imba yako yekutengesa kukosha chinhu chakakosha muhutano hwako hwokuverenga. Kana izvozvo zvichikwira, iwe pakarepo une huwandu hwakawanda. Saka imba yako inowedzera sei kukosha?
Kukwidza mitengo mumutengo wako: kana iwe une nhanho, kukosha kwekumba mumusika wako kunogona kungomuka nguva, pasina kushanda pane iwe. Izvi zvinowanzoitika munzvimbo dzakanaka uye mumaguta ekukura.
Kuvandudza Kwemusha: unogonawo kuisa mari muimba yako kuti uwedzere kukosha kwayo.
Kuvandudza makicheni uye dzimba dzokugezera, kuvandudza kugadzira, nekuita kuti imba iwedzere simba-inogona kubhadharwa (asi kune mari yepamusoro-mberi, uye iwe unofanirwa kuve nechokwadi kuti unokwanisa kudarika kudzosera iyo mari). Kana urikuvandudza zvikuru kunyanya kuumba kuenzana, sarudza mapurogiramu neyokudzoka kwepamusoro kunekutsvaga (ROI).
Kuchengetedza: nguva dzose kugadzirisa kunotyisa, asi imba inoparadzana haina kukosha kune ani zvake. Iwe unogona chaizvo kuona kuti imba yako yakakwana inoderera kana iwe ukakundikana kugadzirisa nyaya dzakadai sekudonha uye kuora kwekukwirira.
Kuderedza chikwereti
Mwedzi unobhadhara: ine zvikwereti zvakawanda zvemusha, iwe unobhadhara chikwereti chako chikwereti zvishoma mwedzi mumwe nomumwe. Imwe tafura yekushambadzira inogona kukuratidza iwe kushanda mukuita . Kana iwe uine chikwereti chako kwenguva yakareba, iwe mukuru unowiripa (zvakawanda zvebhadharo imwe neimwe inoenda kune kuenzana, uye zvishoma zvebhadharo rimwe nerimwe rinorasikirwa kune zvikwereti zvemari). Icho chiri chakanaka chaizvo kana iwe ukangoramba uchibhadhara-uye iwe unovaka kuwedzera (nehombe uye huru yekubhadhara huru) pasina kunyange kuedza.
Asi iwe unogona kuwedzera kukurumidza nekuita nekuenzanisa nokukurumidza. Kune nzira dzakawanda dzokuita izvozvo.
Nguva shomanana: shorter term loan zvikwereta kuti iwe ubhadhara pasi chikwereti uye uwedzere kuenzana nekukurumidza kupfuura nguva refu yemari yako. Somuenzaniso, makore gumi nemashanu (mortgage mortgage mortgage) angave ari nani kupfuura makore makumi matatu ekubhadhara mari. Sebhonasi, zvikwereti zviduku zviduku zvinowanzouya nezvikwereti zviduku zvishoma - izvo, zvakabatanidzwa nekuti iwe uri kubhadhara chikwereti kwemakore mashomanana, zvinoreva kuti iwe uchapedza zvishoma uchitsvaga pamusoro pehupenyu hwechikwereti chako.
Zvimwe zvikwereti: kunyange kana une makore makumi matatu ekubhadhara, unogona kukurumidza kuita zvinhu nekubhadhara zvimwe. Mari imwe neimwe inowedzera iwe unobhadhara (pamusoro uye kunze kwemari yako yaunoda) inoderedza chikwereti chako uye inotarisana nehutano hwako - ivai nechokwadi chekuti chikwereti chako chinoshandisa izvo zvipo kune mukuru. Hapana chinokudzivisa kubva pakugadzira purogiramu yekubhadhara kwemakore gumi nemashanu (ona kubatana kwetafura yepamusoro pamusoro apa) nekuita izvozvo zvikwereti kune chikwereti chako chemakore makumi matatu. Kana zvinhu zvichishandurwa pane imwe nguva uye iwe haugoni kuita izvozvo zvakare, iwe unenge uine mafungiro ekudzoka kumashure maduku maduku makumi matatu ekubhadharwa. Kana izvozvo zvakaoma zvikuru, tumira chete kubhadharwa kwedzimwe nguva .
Kusiya iyo yoga: yechipiri mari yekugadzirisa uye kugadzirisa zvinogona kukanganisa kuderedzwa kwematokari. Zviri pachena, kana iwe unogona kuchengetedza bundle nekugadzirisa , famba mberi uite.
Asi yeuka kuti nezvikwereti zvakawanda, iwe unobhadhara chikwereti mumakore ekutanga ako chikwereti - saka nguva dzose paunotanga, unonoka (kana kuti zvishoma nezvishoma uchitsigira) chivako chako chekukwereta. Kukwereta pamusha wako nechechi yechipiri (kana kuti imba yekuenzanisa chikwereti chekwereti) zvinowedzera kuwedzera chikwereti chako uye kunoderedza kuenzana kwako.
Kubvumira kuchengetedzwa
Dzimwe nguva vanhu vanotaura nezvebhadharo rekutenga chikwereti se "kukamanikidzwa kuchengetwa." Iwe unogona kunge usina kufunga kuti uri kuchengetedza mari ipi neipi kuburikidza nekubhadhara mwedzi mumwe nomumwe, asi iwe uri kuvaka kukosha kwenhumbi (sezvaunogona kuvaka kukosha kwenyaya yekuchengetedza kuburikidza nekuita nguva dzose ). Neimba, iyo yefa inenge isiri mari munhoroondo yekuchengetedza - inenge iri muimba yako.
Chii chaungaita neEquity?
Iwe unogona kushamisika kuti chii chaunowana pane zvose zvakaenzana. Mhinduro shomanana ndeyokuti iyo inofanirwa kuti iwe unogona kutengesa zvimwe zvezvinhu.
- Kana iwe uchitengesa imba yako, iwe uchawana mari yehutano hwako
- Kana uri kutenga imwe imba, iwe unogona kushandisa mari iyoyo (kana kuenzana) kubatsira kubhadhara kutenga kweimba yako itsva (uye naizvozvo uchakwereta zvishoma)
- Kana iwe uchingoda mari, unogona kukwereta kururamisa mumba mako nechechi chikwereti chechipiri (iyo inozivikanwa se " musha wekodzero yemari ")