Zvine Zvakanaka Kuve Kana Kutenga Imba Here?

Apo Kugara Kunzvimbo Pane Kutenga Kunoita Kuti Uwedzere Kuziva

Apo zvinouya kumubvunzo wekubhadhara nekutengesa, hezvino mazwi iwe uchanzwa vashomanana vepfumi vemazhenesi vataure: Haasi munhu wose anofanira kuva neimba! Vamwe vanhu havakwanisi kutarirwa pamba pamba, nekuda kwezvikonzero zvakasiyana-siyana. Iwe uri mumwe wevaya vanofanira kukwereta uye vasingatengi here? Heano nzira shanu dzokuudza.

1. Zvakaipa zveNyaya Yenyaya

Iko mari yako yeripoti tangi? Kana fikiti yako yeFICO iri pasi pe620, haungagamuchiri chikwereti chakanaka chechikwereti uye, chokwadi, iyo yakadaro inogona kukurasa mumaoko evanhu vanotengesa chikwereti .

Kwete chiratidzo chakanaka.

• Kana iwe uchida kutenga nechakaipa chikwereti , iwe unofanirwa kushanda pakugadzirisa usati wakumbira chikwereti.
• Zvitatu zvekubhadhara zvakakwana zvinokwana kuti usakurega iwe kubva pakuwana chikwereti.
• Iwe unogona kutumira chikwereti chako chekwereti pasina mukana .

2. Zvikwereti Zvikwereti Zvikwereti

Vatengesi vanofunga zviyero zviviri: mberi-kuguma uye kumucheto. Pamberi pemugumo ndeyekubhadhara mari yako, pamwe nemitero uye inshuwarisi yakakonzerwa nemari yako yemwedzi. Mhedzisiro yekupedzisira inowedzera yako chikwereti chemwedzi pamwedzi chebhadharo kumutero wako wePITI usati waparadzanisa chiyero ichocho nemari yako. A 50 kubva muzana chikwereti chikamu chikamu chikuru. Chikwereti chakakura chikamu chinoreva kuti iwe haugoni kukodzera chikwereti. Kana iwe uchifanira kuwana munhu asingakwanisi kubhadhara chikwereti chinoda kubhadhara chikwereti ichocho, iwe unogona kunge usingakwanisi kutenga zvokudya zvako, kunyange iwe uchidya dongo.

3. Jobho Kusagadzikana kana Kutamira

Basa rako rakachengeteka sei? Sacramento muchengeti wepamusoro akatenga imba muMidtown. Mari yake yekubhadhara yaiva $ 3 500 pamwedzi, iyo yaiva yakawanda kune wemakore 25.

Zvisinei, kubhadhara ikoko kwaive kwepamusoro apo murume uyu aive nemari yegore re $ 120,000. Asi paakarasikirwa nebasa rake, akarasikirwawo neimba yake yekufananidzira .

• Ndiro Basa Rako Munopisa Here?
  Ishamwari yako iri kurega here? Iwe unogona kudzingwa here uye, kana zvakadaro, zvakaoma zvakadini kuti uwane rimwe basa pakarepo? Kubhadharwa kwebasa hakuwanzokwanisi kubhadhara mari yekubhadhara mari.

• Relocation.
  Iwe unogona kunge uchiendeswa kune rimwe guta mukati memakore maviri kusvika matatu anotevera here? Kana iwe waifanira kutengesa nekuda kwekuendeswa kwebasa, pfuma yako yaizofanira kukoshesa zvinenge 10 muzana yekuvhara mari yekutengesa ; kana zvisina kudaro, iwe waizorasikirwa nemari pane kutengesa. Paunotenga imba , unofanira kuronga kugara uchiiswa kwechinguva.

4. Maintenance Matambudziko

Zvose dzimba dzinoda upkeep uye kuchengetedza. Havasi vose vane nzvimbo-ne-yose, zvisinei nechishuvo, kutarisira mishonga yekugadzira pamba. Mukuwedzera, vazhinji vanotengesa imba yekutanga-kare havagoni kukwereta unyanzvi kugadzirisa zvinhu zvinoputsa. Nyanzvi dzinokurudzira kuti uise pairi 5 muzana yemutengo wekutenga kuti ugadzire kuchengetedza uye kugadzirisa paunotenga imba .

5. Paunenge Uchitsvaga Mari Inotora Zvishoma

Kana chikwereti chako chekutora chikwereti chikava katatu mari (kana yakawanda) iwe waizobhadhara chikwereti, zvingasaita kuti uwane mari yekutenga iwe kuti utenge. Somuenzaniso, kana zvaizokubhadhara $ 2,000 pamwedzi kubhadhara chii chaizokubhadhara $ 6,000 pamwedzi kuti uwane, zvine musoro here kubhadhara $ 48,000 pagorezve kuti uve neimba?

Kana iwe uri mune 30 muzana mutero bhatikiti, iwe haungaswedere pedyo nekuwanazve musiyano wakabhadhara. Taura kuti mari yako inodhura ndeye $ 5,000 pamwedzi; 30 muzana yeiyo inongova $ 1,500 chete, iyo ingadai iri yako chaiyo yekubhadhara mutero pamwedzi.

Ungada here kushandisa $ 6,000 kuti uchengetedze $ 1,500? Kuti uwane mamwe mashoko, tapota taurira mutero wekwereta kana CPA.

_{Panguva yekunyora, Elizabeth Weintraub, DRE # 00697006, ndiye Broker-Associate kuLyon Real Estate muSacramento, California.}