Iwe chete ndiwe Unogona Kudzivisa Kuderedza Kuvhara Paunowana Imba
Iwe unogona kudzidza zviri nyore kuti kune zvinhu izvo mutengi wemusha asingakwanisi kuita asati apedza kugadziriswa kwemaimba, kana iwe unogona kufanana nevamwe vanhu vakawanda uye udzidze zvinoitika nenzira yakaoma. Ndizvo zvaunosarudza. Kudzidza nzira iri nyore yokuti kune zvinhu izvo mutengi asingafaniri kuita asati apfigira zvinoreva kuti iwe uchanyatsoteerera mazano kubva kune chikwereti chako, mutengi wako uye munyori uyu. Isu tose tinotaura chinhu chimwe chete, asi kazhinji zvinoratidzika sechine kurasikirwa mukushandura.
Kana, zvichida ndechokuti vatengi vanotambura nekupererwa kwenguva pfupi mukutonga. Zviri nyore kuita kana uchinetseka pamusoro pokuvhara kutengesa kweimba yako. Imwe chikwereti chikwereti chinogona kuratidza nzira yakajeka yekuita, uye dzimwe nguva vatengi vanonyatsotsanangura basa racho, uye vanoita chimwe chinhu-kuti chimwe chinhu chinowanzoita kuti kunonoke kupfigwa. Kana usina mubvunzo, bvunza.
Usaita Chimwe Chinoita Kuti Uzivikanwe
Dambudziko guru rinoratidzika sechinhu chinobva kunekuti vazhinji vekutanga venguva dzekutenga vanotenda kuti zvavanoda kuita hazvina mhosva, uye vanoziva kuti zvinonzwisisika kwavari. Zvinogona kuita pfungwa yakakwana asi iwe haugoni kuvimba nemanzwiro aya nokuti zvine ngozi kufungidzira kuti nekuda kwekuti zvinonzwika sechinhu chakanaka chekuita, unofanira kuzviita. Icho chokwadi ndechekuti hazvisizvo chinhu chaunofanira kuita.
Imba yemitemo uye mirayiridzo haisi kuita kuti pfungwa dzakawanda dzive dzakasiyana kunze kwekomiti yehurumende iyo yakagadzira mitemo.
Semuenzaniso, mutengi wemusha ane rusununguko pamushumo wekwereti yake angabvunzwa nemunhu anokweretesa kuti asimudze kwenguva pfupi. Zvinotengeswa nomudzimai chimwe chinhu chakasiyana. Mutengi anonzwa anorega kubhadhara chikwereti. Kana mutengi achikwanisa kuvhara, zvinogona kuita kuti mvumo itsva yechikwereti ive yakagadzirwa iyo inogona kubudisa chikamu chezasi cheFICO .
Muchiitiko ichocho kugadzirisa kutsva kwekuvhara kunofanira kutorwa kuratidza huwandu hwekutora chikwereti chechido . Chikamu chechina chinokwira kubva kubva ku4% kusvika ku4.25% pane $ 300,000 zvikwereti zvekukweretesa mukubhadhara mari inodarika $ 15,000 yakawedzerwa pamusoro pemutengo wemakore makumi matatu. Uyezve, kuunza kuzarura kwekuzarura patsva mumitemo ye TRID kunoreva kuti mutengi achange achida kumiririra pane imwe nguva nguva isati yatora chikwereti chikwereti. Kumirira kuburikidza nechipiri nguva kunogona kunonoka kupfiga kwako.
Pamusoro pechinetso ichi, vamwe vanokwereta pavanoongorora mitsara yemarikiti , tsvaka chimwe chinhu chisina kururama. Nguva yekuedza kururamisa dambudziko ndere usati wasvika pakubvumirana kutenga imba, kwete panguva yechibvumirano. Asi iko kukanganisa kuri kukusvitsa muchiso, ipapo ipapo pane kombiyuta yako, uye zvose zvaunofanirwa kuita kuti ukakavadze kukanganisa ndiko kuvhara mutsara. Usazviita. Usatora mutsara. Kupikisa kukanganisa apo paine chibvumirano kunogonawo kukonzera imwe gwaro rekwereti iro, zvakare, rinogona kugadzira kuziviswa kutsva kwekuvhara, uye yose iri kuburuka kubva ipapo.
Nyaya Yezvinhu Zvisingafaniri Kuita Pamirira Kuvhara Kutengesa Imba
- Usatora chikwereti chako chekwereti . Usatotarisa. Iwe unogona kuita sarudzo isina kukuvadza uye kuguma kunonoka kubvumira kwako. Gamuchira chokwadi iwe hausi muchengeti wechikwereti.
- Usaisa mvumo itsva. Makadhi ekubhadhara mari anopiwa kunze kwebhuruu kwauri? Bvisa maimeri, shisa fomu yemhinduro kana kumirira kusvikira mushure mokutenga kwako kwavhara kugamuchira chikwereti chitsva.
- Usavhara chero zvikwereti zvekwereti. Kunyangwe iwe uchiona kuti hauzomboshandisi imwe kadhi rechikwereti, somuenzaniso, rezvigure kana iwe uchifanira, asi usabvisa chikamu chechikwereti iwe uchimirira kuvhara kutenga kweimba yako.
- Usawedzerwa chikwereti chikwereti pamakadhi ako. Chinhu chipi zvacho chakakosha kutenga nekadhi rechikwereti chakakosha kumirira. Kana iwe ukawana mupiro mutsamba, usapindura.
- Usatenga chero chinhu nekadhi rechikwereti kana kuisa chimwe chinhu paayaway. Hapana. Izvi zvinoreva kwete.one.thing. Hungu, iwe unogona kunge wakashambadza uye wakaoma, asi rindira kusvikira wavhara kuti uronge. Usatora shoko revatengesi kuti ivo vanongonyora izvi uye vakuchengetedze iwe, nokuti mumwe munhu angapinda naro mumakombiyuta ezvitoro nekukanganisa uye, voila, kupfiga kwako kunonoka.
Panguva yekunyora, Elizabeth Weintraub, CalBRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.