Vamwe Vanokwereta Vanowedzera Kushanda
Sei Uchifanira Kuita Nekubatana?
Mari yakawanda: kuwedzerwa mari inowanikwa yekubhadhara chikwereti kazhinji ndiyo chikonzero chikuru chekukumbira chikwereti pamwe chete.
Vatengesi vanofananidza kuti vatorwa vanobhadhara sei mwedzi woga woga kumitero inowanikwa pamwedzi pamutero. Zvakanaka, mari yacho inongodya chete chikamu chiduku chekuwana mari yako pamwedzi (vateresi vanoverenga chikwereti chekuwana mari yekuwana mari ). Kana zvikwereti zvakakura kwazvo, kuwedzera imwe muhomwe-kugamuchira chikwereti kunogona kukubatsira kuti ugone kugamuchirwa.
Chikwereti chakanaka: mumwe akakwereta anogonawo kubatsira kana ane chikwereti chakasimba . Vatengesi vanosarudza kukweretesa kune vakwereta neyakare kare yakwereta nekubhadhara (nenguva). Kana uchikwanisa kuwedzera chikwereti chakasimba chekubhadhara chikwereti chako chekubhadhara chikwereti, une mukana wakanaka wekutambira.
Zvimwe zvinhu: vanokwereta pamwe chete vanogonawo kuunza pfuma patafura. Vanogona kupa mari yakawanda yebhadharo yakakura (uye vanokweretesa vangaodza mwoyo "zvipo" kubva kune vasiri vwereti, kunyanya kune zvikwereti zvinotora chikwereti), kana kuti vanogona kupa rubatso ivo vane zvavanoita kuti vabatsire kuchengetedza chikwereti.
Kubatana pamwe: mune zvimwe zviitiko, zvinongonzwisisika kune vakwereta kushandisa pamwe chete.
Somuenzaniso, murume nomudzimai vanogona kutarisa zvinhu zvose (nematare) sezvibatanidzwa. Vari mairi pamwe chete, kuti ave nani kana akaipa.
Joint Loan vs. Co-Signing
Nezvikwereti zviviri zvekwereti nemari yakabhadhara, mumwe munhu anokubatsira kuti uwane chikwereti. Ivo vane mhosva (sezvauri iwe) yekubhadhara, uye mabhangi anonzwa akanyatsofara kana pane mumwe munhu pachikwereti chechikwereti.
Uku ndiko kufanana kwakakosha: vose vanyorera uye avo vanokweretesa vane 100 muzana vane mhosva yemari yacho. Zvisinei, zvikwereti zvakabatana zvakasiyana nemari yakabhadharwa .
Kodzero dzeCosigner: a cosigner ane mabasa , asi kazhinji haana kodzero yeimba yako yaunotenga nemari inowanikwa. Newe chikwereti chakabatana, munhu wese anenge achikwereta anenge achida (asi kwete nguva dzose) muridzi wezvose zvaunotenga nemutero. Cosigners vanongotora mungozi yese pasina hupi hupi hupi hwehudziri. Cosigners havana kodzero yekushandisa iyo pfuma, kubatsirwa nayo, kana kuita zvisarudzo maererano neimba.
Relations Relations Matters
Ukama huripo pakati pevakwereta hunogona kuva hunokosha kana uchikumbira chikwereti chakabatana. Vamwe vanokweretesa vanongobhadhara zvikwereti zvakabatanidzwa kuvanhu vane ukama kune mumwe nemumwe neropa kana kuroorana. Kana iwe uchida kukwereta nemumwe munhu, gadzirira kuvhima zvishoma kune chikwereti chekugara. Vamwe vanokweretesa vanoda kuti mumwe nomumwe anenge asingabatsiri akashandise mumwe nomumwe-izvo zvinoita kuti zvive zvakaoma kukwanisa kuwana zvikwereti zvakawanda.
Kana iwe usina kuroorwa kune wako wakwereta, iva nechokwadi chekuisa zvibvumirano nekunyora usati watenga pfuma inodhura. Apo vanhu vanorambana, dare remhosva rinowanzoita basa rakakwana rekuparadzanisa zvinhu uye mabasa (kunyange zvakadaro haisi nguva dzose).
Kunyangwe zvakadaro, kutora zita romumwe munhu kubhadhara chikwereti kwakaoma . Kuparadzanisa zvisina kurongwa kunogona kukwezva kwenguva yakareba uye kuva kwakaoma kana iwe usina zvibvumirano zvakajeka munzvimbo.
Mari Yakabatana Inodiwa Here?
Yeuka kuti kubatsirwa kukuru kwechikwereti chakabatana ndeyekuti zviri nyore kuwana chikwereti apo nekubatanidza mari uye kuwedzera simba chikoro chikoro . Iwe haufaniri kunge uchida kushanda pamwe chete kana mumwe akakwereta anogona kukodzera mumwe nomumwe. Imi mose (kana mose zvenyu, kana pane vanopfuura maviri) vanogona kupinda mukati mekubhadhara kunyange kana mumwe munhu akatumidzwa zita rake pachikwereti. Iwe unogona kutokwanisa kuisa zita reumwe neumwe pane chiito chekuita - kunyange kana mumwe weimba yake achitsvaga chikwereti.
Zvechokwadi, zvingave zvisingabviri kuti munhu mumwe awane chikwereti chikuru . Mari yechikwereti , semuenzaniso, inowanzove yakakura kwazvo zvokuti mari yomunhu mumwe haigone kugutsa chikwereti chaanoda chikwereti kuwana mari.
Vatengesi vangave vanewo matambudziko nevasiri vasiri chikwereti vachiita mupiro wekubhadhara pasi. Asi kubhadhara kukuru kunogona kuchengetedza mari nenzira dzakasiyana-siyana, saka zvingave zvakakosha kuwedzera mubatanidzwa wekubatana:
- Iwe unokwereta zvishoma, saka iwe uchabhadhara zvishoma mubereko
- Iwe uchange uine chikwereti chakanaka kuti uone chiyero (kana chikwereti chisingakoshi) kuitira kuti uwane huwandu huri nani
- Iwe unogona kukwanisa kubhadhara mari yega mortgage inshuwarisi (PMI)
Mutoro uye Uyo
Usati wasarudza kushandisa sangano rechikwama (kana kwete), iva nechokwadi kuti unonzwisisa kuti kodzero dzako uye mabasa ako ndeapi. Wana mhinduro kumibvunzo inotevera:
- Ndiani anokonzera kubhadhara?
- Ndiani ane pfuma yacho?
- Ndingaita sei kuti ndibve pane chikwereti?
- Ko kana ini ndichida kutengesa mugove wangu?
- Chii chinoitika kune pfuma kana mumwe wedu akafa?
Hazvina kunakidza kufunga zvinhu zvose zvinogona kuipa zvisina kunaka, asi zviri nani kupfuura kutorwa kushamiswa. Semuenzaniso, ushamwari huri hutano hwakarongwa nenzira dzakasiyana zvichienderana nehurumende yaunogara uye kuti iwe une pfuma sei. Kana iwe uchitenga imba nemumwe munhu waunoda, iwe mose unoda mumwe kuti awane imba paunouraya - asi mitemo yemuvhoti inogona kutaura kuti nzvimbo inoenda kune decedent's estate (uye pasina magwaro anoshanda kuti ataure zvimwe, mhuri ye iyo yakafa inogona kuva muridzi wemuridzi wako).
Kubva pane chikwereti kunogonawo kuoma (kana ukama hwako hwapera, somuenzaniso). Iwe haugoni kungozvibvisa kubva kuchikwereti - kunyange kana ako-ako chikwereti achida kubvisa zita rako. Mukwereti akaita chikwereti ichienderana neshandiso yekubatana, uye iwe uri 100 muzana ane mhosva yekubhadhara chikwereti. Muzviitiko zvakawanda, unofanirwa kubhadhara chikwereti kana kuripa icho kuti uise shure kwako. Chibvumirano chekurambana chinoti munhu mumwe chete ndiye ane mhosva yekubhadhara hazvizoiti kuti chikwereti chiparadzwe (kana kuwana zita remumwe munhu abviswa).