Chii Chinonzi Chikwereti Chechipiri?
Chikamu chechipiri chikwereti chikwereti chinoshandisa imba yako sechisimbiso, chakafanana nechikwereti chaungave wakashandisa kutenga imba yako.
Mari yechikwereti inozivikanwa se "yechipiri" kutora chikwereti nokuti mari yako yokutenga inowanzova chikwereti chekutanga chakachengetedzwa nechisungo kumba kwako .
Chechipiri mari yekuisa mari inopinda muhutano mumba mako , iyo inokosha yemusika yeimba yako maererano nemari yezvikwereti. Equity inogona kuwedzera kana kuderera, asi chinangwa, inongokura kupfuura nguva. Equity inogona kuchinja nenzira dzakasiyana-siyana:
- Paunenge uchiita mari pamwedzi pamutero wako, unoderedza chikwereti chako chechikwereti, icho chinowedzera kuenzana kwako.
- Kana imba yako ichiwana kukoshesa pamusana pemahombekiti ane simba emakamuri-kana kuvandudza kwaunoita kumusha-kukosha kwako kunowedzera.
- Iwe unorasikirwa nekuenzana kana imba yako ichirasika kukosha kana iwe ukwereta kumba kwako.
Chechipiri yekunamata mari inogona kuuya nenzira dzakasiyana-siyana.
Nhepfenyuro yemarara: A standard yechipiri chikwereti chikwereti chenguva imwechete chinopa mari yakawanda yemari yaunogona kushandisa chero chaunoda. Nechikwereti ichocho, iwe ucharipa chikwereti zvishoma nezvishoma munguva, kazhinji nekugadzirisa mwedzi mumwe nomumwe.
Nebhadharo rimwe nerimwe, iwe unobhadhara chikamu chemari yekutora uye chikamu chemari yako yezvikwereti (iyi inonzi inonzi amortization ).
Mutsara wechikwereti: Zvinokwanisika kukwereta uchishandisa mutsara wechikwereti , kana dziva yemari yaunogona kutora kubva. Nemhando iyo yekwereti, hauna kumbodiwa kutora chero mari-asi iwe unosarudza kuita saizvozvo kana uchida.
Mutengi wako anogadzirisa chikwereti chakakwereta, uye iwe unogona kuramba uchikwereta (kazhinji kacho) kusvika uchisvika pamwero wakakwana. Sezvo nekadhi rechikwereti, unogona kudzorera nekukwereta kudarika.
Sarudza kusarudza: Zvichienderana nemhando yemari yako yaunoshandisa uye zvaunofarira, chikwereti chako chinogona kuuya nechikwereti chakanaka chaunofarira chinokubatsira kuronga makoko ako kwemakore anouya. Variable rate rate zvikwereti zviripo zvakare uye ndizvo zvinowanzoenderana nemitsara yechikwereti.
Makomborero eChikwata Chechipiri Chembai
Mari yechikwereti : Chechipiri mari yekutengesa inokubvumira kubhadhara mari yakawanda. Nokuti chikwereti ichichengetedzwa neimba yako (iyo inowanzokodzera mari yakawanda), iwe unogona kuwana zvakawanda kupfuura iwe unogona kuwana usingashandisi imba yako sechibvumirano. Ungakwereta zvakadini? Izvo zvinoenderana nemutengi wako, asi unogona kutarisira kukwereta kusvika ku80% yemari yeimba yako . Iyo yakawanda inogona kuverenga yose yemari yako yemusha, kusanganisira yekutanga uye yechipiri mabheji.
Nhamba dzechidhindo: Chechipiri mari yekugadzirisa mari inowanzova nemari yakaderera yepamusoro kune dzimwe mhando dzekwereti. Zvakare, kuchengetera chikwereti neimba yako kunobatsira nokuti kunoderedza ngozi kune wako chikwereti. Kusiyana nezvikwereti zvisingaverengeki semakwereti emakadhi, chikamu chechipiri chikwereti chekuda mari inowanikwa mune imwe nhamba.
Mitero inobatsira (kunyanya Pre-2018): Mune zvimwe zviitiko, iwe uchawana kuderedzwa kwekubhadhara kwakabhadharwa kune yechipiri kutenga mari. Pane zvakawanda zvekugadzirira kuziva, saka bvunza iwe wekutengesa mutero usati watanga kutora. Kuti uwane mamwe ruzivo, dzidza pamusoro pekubhadhara chikwereti chinowanikwa . Kwemakore emitero mushure me 2017, Mutero Wemitero uye Jobs Act inoderedza kubviswa kunze kwekuti iwe ukashandisa mari ye "kuvandudzwa kwakakura" kumusha.
Kukanganiswa kweMariji yeChipiri
Kubatsira nguva dzose kunouya ne tradeoffs. Iko mari uye njodzi zvinoreva kuti zvikwereti izvi zvinofanira kushandiswa nekuchenjera.
Dambudziko rekufananidzira: Rimwe rematambudziko makuru ane chikwereti chechipiri ndechokuti iwe unofanirwa kuisa imba yako pamutsara. Kana iwe ukarega kubhadhara, wako chikwereti achakwanisa kutora imba yako kuburikidza nekufananidzira , izvo zvinogona kukonzera zvinetso zvakakomba iwe nemhuri yako.
Nokuda kwechikonzero ichocho, hazvishamisi kushandiswa kwekushandisa chikamu chechipiri chekushandisa "ikozvino kushandiswa" mari. Pamusana pevaraidzo uye kugara mararamiro emari, haisi kungochengetedza kana kuti inokonzera njodzi yekushandisa mari yekukweretesa kwemusha.
Mariro: Chechipiri mari yekubhadhara, sezvinongoita chikwereti chako chekutenga, inogona kudhura. Iwe unofanirwa kubhadhara mari yakawanda yezvinhu zvakadai sekwereti checks, mazano, zviyero zvekutanga , nezvimwe. Mari yekuvhara inogona kuwedzera nyore kusvika kumazana emadhora. Kunyange kana wakavimbiswa "chikwereti chekuvhara mari ", iwe uchiri kubhadhara-iwe haufaniri kuona izvo zvinodhura pachena.
Kuda mari: Chero nguva yaunokwereta, uri kubhadhara mubereko . Chechipiri yekubhadharwa mari inowanzosara kudarika chikwereti chekwereti chibereko, asi inowanzowedzera zvishoma kudarika chikwereti chako chokutanga. Chechipiri yekubhadhara chikwereti kunotora dambudziko rakawanda kupfuura iye akwereta uyo akaita chikwereti chako chekutanga. Kana iwe ukarega kubhadhara, wechipiri mortgage chikwereti hachizobhadharwi kunze kwekuti uye kusvikira mutero wechikwereti awana mari yavo yose zvakare. Nemhaka yokuti zvikwereti izvi zvakakura kwazvo, mari yekuda mari inogona kuve yakakosha.
Mishandiso Inowanikwa Yezvikwereti zveChipiri
Sarudza nokuchenjera kuti unoshandisa sei mari kubva pachikwereti chako. Zvakanakisisa kuisa mari iyo kune chimwe chinhu chichavandudza marara ako (kana kuti kukosha kweimba yako) mune ramangwana. Iwe uchada kudzorera zvikwereti izvi, zvine ngozi, uye dzinodhura mari yakawanda.
- Kuvandudza kwekumba ndechimwe chisarudzo nekuda kwekuti kufungidzira ndeyekuti iwe ucharipa chikwereti apo iwe unotengesa imba yako nepamusoro yekutengesa mutengo.
- Kudzivisa pachedu mortgage inshuwarisi (PMI) inogona kuitika nekubatanidzwa kwezvikwereti. Semuenzaniso, chirongwa che 80/20 kana chikwereti che "piggyback" chinoshandisa chikwereti chechipiri kuchengetedza chikwereti chako chekukweretesa chikamu chinopfuura 80 muzana pane chikwereti chako chekutanga. Ingoita kuti zvive zvakanzwisisika kuenzaniswa nekubhadhara-uye kubvisa-PMI.
- Kudyidzana kwematokari: Unogona kazhinji kuwana mukana wakaderera nechipiri chekutenga chikwereti, asi iwe unogona kuchinja kubva kuchikwereti chisina kuchengetwa kuchikwereti chinogona kukupa imba yako.
- Dzidzo: Unogona kukwanisa kuzvigadzirira kuti upiwe mari yakakwirira. Asi sekune dzimwe mamiriro ezvinhu, iwe uri kusika mamiriro ezvinhu kwaunogona kutarisana nekufananidzira. Ona kana zvikwereti zvikwereti zvevadzidzi zviri nani
Mazano Okuwana Imba Yechipiri
Tenga zvakapoteredza uye uwane zvinyorwa kubva kunenge zvitatu zvakasiyana-siyana. Iva nechokwadi chokuti unosanganisira zvinotevera mukutsvaga kwako:
- Bhenji yemunharaunda kana chikwereti chekambani
- A broker mortgage kana chikwereti mutangi (bvunza yako real estate agent kune mazano)
- Anowanikwa muInternet
Gadzirira kugadzirisa nzira yacho nekuwana mari munzvimbo dzakanaka uye kugadzirisa magwaro ako. Izvi zvichaita kuti urongwa huve nyore uye husanyanya kudzvinyirira .
Chenjererai mari inokwereta ine ngozi . Zvikwereti zvakawanda hazvina matambudziko aya, asi zvakakosha kuti uchengete ziso kwavari:
- Balloon zvikwereti izvo zvinokonzera matambudziko mumugwagwa
- Kubhadharwa kwekubhadhara kwekubhadhara kunobvisa zvipo zvekubhadhara chikwereti chako pakutanga