Makomborero Okuva Neimba
Chokutanga, ngatitarisei zvimwe zvezvakanaka zvekutenga imba. Mufaro wakajeka ndewekuti ndewako. Iwe unogona kupora kicheni chako chekikiki, shandura mamiriro ezvinhu, shandisa basketball hoop, kana kuti shandura pasi rako risina kukwana muimba yemitambo. Zvakupa iwe kushanda mukati mekupi kwekuvaka kana kugadzira mitemo, unogona kuita chero chaunoda neimba yako.
Chimwe chikomborero chakakura chokuva nemba ndeyekuti mamwe emari yako yemari yekubhadhara pamwedzi inodzoka kwauri nenzira yehutano. Paunobhadhara renti, hauzombooni chero mari iyo zvakare. Kune rumwe rutivi, chikamu chako chebhadharo chekutora chikwereti chichashandiswa zvishoma kumukuru wechikwereti, icho chinovaka kuenzana.
Sezvo imba yako inogona kuva yefa, iwe unogonawo kuita mari kana iwe uchikwanisa kuzvitengesa kune zvakawanda kupfuura iwe waimbobhadhara. Mune zvimwe zviitiko, purogiramu iyi inogona kunge isingabhadhara mutero. Mukuwedzera, iwe unogona kukwanisa kupinda muhutano hweimba iyo uchiri kurarama mairi kuitira kuti uite kubudirira kana kuti kusimbisa chikwereti.
Pakupedzisira, ngatisarege kukanganwa kuti panogonawo kuva nemamwe mitero inobatsira yekuva nemba. Mune zviitiko zvakawanda, mari yekubhadhara mari uye mitero yemutero iwe unobhadhara inodhakwa, izvo zvinoreva kuti iwe uchange uchingoderedza mutero wako wose mutero.
Kukanganisa Kuve Neimba
Kunyange zvazvo pane zvakawanda zvakanaka pane zvekutenga musha, ngatitarire kukanganisa kunogonawo.
Unoyeuka here nguva iyo chigadzirwa chikuru muimba yako chakakoromoka? Zvimwe iwe waifanira kunge wakadana nehofisi yako yepamberi kana muridzi weimba uye vakanga vasipo kuti vagadzire kana kuisimudza pasina chero mari yako kwauri mukati memamiriro emaawa kana mazuva. Paunenge uine imba yako pachako, pangave nezvakawanda zvisingatarisirwi kugadziriswa nekugadzirisa mari yaunenge usingave nayo kana iwe uchikwereta.
Chimwe chinhu chingafanira kufunga ndechinhu chinogona kukanganisa mari pamba. Nekufamba kwenguva nguva yekutengesa dzimba yakawanzoenda yakakosha, pane dzimwe nguva apo misika yemuimba inogara yakanyanyisa kana kuti inowira. Zvichienderana nezvinotengeswa zvakatengeswa nekutengesa uye mari chaiyo iwe unotengesa imba, iwe unogona kurasikirwa nemari.
Pakupedzisira, kutenga imba ndeyekugara kwenguva refu. Paunenge uchikwereta, unogona kungoenda kune imwe mwedzi kana mwedzi kana gore roga roga, saka kutora uye kushambadza kunogona kuitika pane zvishomanana. Kana ukangotenga imba, hazvisi nyore kuti uchangotora uye uende. Iwe une dambudziko rinokosha rezvemari, uye nzira yekutengesa imba inogona kutora mwedzi yakawanda kupedza.
Saka, paunenge uchitenga imba, tora nguva yeku kunzwisisa zvinobatsira uye zvinetso, uye ona kuti uri kuzviita nokuda kwezvikonzero zvakanaka.
Sarudza Musha Wakawanda Unogona Kuda
Kana wakasarudza kuti kutenga imba inofanirwa iwe, danho rokutanga nderokuziva zvaunogona kutenga . Imwe yezvinowanikwa zvinowanzoshandiswa ndiyo chikwereti chekuwana mari. Vazhinji vanokweretesa vanoratidza kuti chikwereti chenyu chekukwereti-kune-gari hachifaniri kudarika 36%, uye chikwereti chenyu chekutora chikwereti pachako chinofanira kunge chiri pasi pe 28% yemari yako yaunowana pamwedzi.
Kuti uverenge chikwereti chenyu chekukwereti-kune-muhomwe, chokutanga, wedzera chikwereti chako chegore rose chemari yakawanda. Kana uchinge uine chiwero ichocho, chiwande ne 36%, kana 0.36. Iyi nhamba ndiyo yakawanda yemari yemwedzi wekubhadhara chikwereti chaunofanira kuva nacho, kusanganisira yako yekubhadhara mari.
Zvadaro, wedzera yose yako yegore rega rega kwete yekutengesa chikwereti chikwereti uye uibvise kubva pane yekare yawakaverenga. Iyi nhamba ichakupa imwe yepamusoro yekubhadhara chikwereti chaunogona kutenga.
Zvakakodzera, mari iyi inofanira kunge iri 28% kana kuti zvishoma pamari yako yemwedzi.
Kunyangwe nemitungamiri iyi, zvakakosha kuyeuka kuti mamiriro ako ega ega achapedzisira ataura zvaunogona kuwana zvechokwadi, saka tora zvose zvese zvemamiriro ako ezvinhu kuti zviongorore.
Kuwana Mari Yakakodzera
Mushure mekunge maziva kuti mari yakawanda sei yamunogona kutenga, ndiyo nguva yekutenga mari yakakodzera. Sezvo iwe uchida kubhadhara mari yechikwereti mazana ezviuru zvemadhora, zvakakosha kuti iwe uite chisarudzo chakanaka. Imba yakaipa inotora chikwereti inogona kuchinja zvikuru mari yako nenguva.
Mashoko akanaka ndeokuti kune rumwe rudzi rwekutora mari inowanikwa kune inenge mamiriro ezvinhu ose. Nhau dzakaipa ndechokuti kusarudza chakaipa kunogona kutora makumi makumi ezviuru zvemadhora muchibereko pamusoro pemutengo wechikwereti. Zvikwereti zvakajairika zvinouya mumitambo miviri: yakagadziriswa uye inogadziriswa chido chekubhadhara chikwereti.
Chikwereti chakatarwa chinokwereta chichakugadzirisa iwe. Inhara yekutora haichazoshanduki kune hupenyu hwechikwereti, saka mari yako inotambira yakasimba. Imwe rubatsiro nehuwandu hwekukweretesa chikwama ndeyekuti kana zvikwereti zvinowedzera, iwe unoramba uchibhadhara iwechete pfupi. Kune rumwe rutivi, kana mitero ichidzika pasi, iwe unogona kunge uri kubhadhara kupfuura yepamutengo wezvino, kunyange zvingave zvichikwanisika kugadzirisa kwezinga rakaderera.
Nekodzero yakatarwa yemari, iwe unopa chimwe chekugadzikana mukubhadhara kwekwanisi yekubhadhara chikwereti kugadzirisa nehuwandu hwekutora mutengo. Kana zvikwereti zvikwira pasi, izvi zvinogona kukubatsira. Asi kana zvikwereti zviri kuwedzera, unogona kuzviwana uine chikwereti chakawedzerwa pamwedzi.
The Down Payment
Mukuwedzera pakunzwisisa rudzi rwechikwereti chaunotarisa, iwe unofanira kufunga nezvekubhadhara pasi . Mune chikwereti chekutengesa, iwe unogona kupa mubhadharo wekubvira makumi maviri kubva muzana kana kupfuura emutengo weimba. Chikamu makumi maviri muzana ndiyo nhamba yemashiripiti nekuti, kune vakawanda vanokweretesa, ichi ndicho chiyero chehutano chavanoda kuti iwe unogona kudzivisa kupa PMI, kana Private Mortgage Insurance.
Kana iwe usingakwanisi kuisa makumi maviri kubva muzana pasi, mutengi anowanzodikanwa kuti iwe unobhadharawo PMI premium, iyo inogona kuva kupi kubva pamadhora makumi maviri kusvika kumazana mashoma madhora mwedzi mumwe nomumwe. Paunotenga kutenga chikwereti, tora izvi uchifunga uye ubvunze kana kune dzimwe nzira dzokubhadhara PMI kana iwe usingakwanisi kuuya nemari yakakwana.