Kudzivisa Kufananidza uye 4 Zvimwe Zvitsva Zvokutengesa Pfupi
Chikonzero # 1. Dzivisa Kufananidzira
Kune vanhu vari kutarisana nematambudziko, kutaurirana kutengeswa pfupi pfuma yenyu kunogona kukubatsira kuti usadzivirire mberi.
Kunyange zvazvo zvose zviri mberi uye zvishomanana kutengesa zvinoramba zviri pamushumo wekwereti kwemakore manomwe, foreclosures ine zvakanyanya kuipa pamiganho yako yekwereti, chido chekuda uye kukwanisa kuwana chikwereti.
Penguva shoma shoma, iwe uchiri muridzi weimba yako. Chinangwa chenyu ndechokuita kuti mutengi wako agamuchire zvishoma kudarika iwe iye zvino unokweretesa chikwereti, asi mukwereti haasi iye muridzi weimba. Iwe ndiwe uri kuedza kutsvaga mutengi anofarira zveimba.
Mukufananidzira, uyo anopa chikwereti anotora nzvimbo yako. Anokweretesa ndiye ari kuedza kuwana muchengeti weimba kuitira kuti vagone kuwana chero mari yavanogona nayo. Kana iwe ukakwanisa kutengesa kutsva kugamuchirwa uye kuvharwa paimba yako, iwe unogona kudzivisa kurasikirwa nezvinhu zvako kufambisa.
Chikonzero # 2. Buda Pasi pemvura
Kukurukurirana kutengeswa pfupi paimba yako kunogona kukubvumira kuti ubude pasi pemvura. Semuenzaniso, wakatenga pfuma ye $ 400 000, asi mumusika wemazuva ano zvinongodhura $ 230,000.
Kana iwe wakatora chikwereti chemakore makumi matatu nemakumi matatu pamapfumi uye uise mazana mashanu, kana kuti $ 20,000 pasi, une chikwereti chemadhora madhora makumi matatu nemakumi matatu nemana (380,000). Kunyange kana iwe uine dzimba yacho kwemakore mashanu, uchifunga kuti iwe unotora chikwereti chepamwedzi chekubhadhara chikwereti, une chikwereti chinopfuura $ 300 000 pane pfuma, iyo inonyanya kukosha kudarika ikozvino ye $ 230,000.
Sezvo pasina munhu angave achida kutenga iyo ye $ 300,000 mumusika wekozvino, unogona kuedza kutaurirana kutengesa kutsva. Nokushambadzira kwenguva pfupi pfuma yako, unogona kuita kuti bhangi rigamuchire pedyo neikozvino $ 230,000 kukosha kweimba yacho. Iwe unokwanisa kutaurirana nebhangi kuti ubudiswe kubva kune chikwereti chechikwereti chakawedzerwa kana iwe unogona kushanda chirongwa chekubhadhara pamwe nemunhu anokweretesa mari yakasara ye $ 70,000 yawakakwereta.
Chikonzero # 3. Bhengi Inogona Kukanganwira Chikwereti Chako / Kusunungurwa Kwemhosva
Paunenge uchitaura nemashoko mashomanana ekutengesa nekweretesa yako, iwe unofanira kuedza kuvabvumidza kuti abvumire kusunungurwa kwemhosva kune chikwereti chakasara chakweretwa. Izvi zvinoreva kuti havazoedzi kuedza kusakwanisa kutongwa pamusoro penyu nekuda kwekuparadzanisa pakati pezvaakakweretesa nokuda kwekutengeswa kwenguva pfupi kweimba uye mari yawakakwereta. Iva nechokwadi chekuita izvi nekunyora.
Kunyange kana vasingakubudisi mari yakazara iwe unenge uine chikwereti, uyo anokweretesa angave achida kukupa mhosva pane zvishoma iwe waunokwereta. Somuenzaniso, kana iwe uchiri kukwereta $ 70,000, vangada kugamuchira $ 10 000 yavakabhadharwa pamwedzi.
Chikonzero # 4. Rega Kudzivisa Kuipa Kusingatauri kune Mahofisi Okukwereta
Paunenge uchitaura nezvemashoko ekutengeswa pfupi nebhangi rako, unogona kuedza nekuita kuti vashandure nzira iyo vanorondedzera kutengeswa pfupi kumahofisi emarikiti.
Kutengeswa kwenguva pfupi kunowanzotaurwa pamusoro pekwereti yako se "chikwereti" chekwereti. Zvikwereti zvekwereti zvinotarisa shoko iri risina kunaka nokuti rinoreva kuti chikwereti chakagadziriswa uye chakagamuchirwa zvishoma kudarika chaiva chakanga chakweretwa kwavari.
Izvo zvinokonzerwa nekwereti yako chikoro zvichasiyana zvakanyanya zvichienderana kana iwe wakanyatsorasikirwa chero mari yekubhadhara chikwereti uye pane iwe pachako chikwereti chenhoroondo. Chikwereti chako chikwanganiso chinogona kudonhedzwa zvishoma kana mashomanana makumi mana kana mazana maviri.
Chinangwa chenyu ndechokuita kuti chikwereti chiratidze kutengeswa pfupi se "chikwereti" chabhadhara pamushumo wekwereti yako. Kana iwe ukwanisa kuwana chikwereti kubvumirana neizvi, hapazovi nemigumisiro yakaipa pachikwereti chako. Zvechokwadi, vangangoramba chikumbiro ichi, asi hazvikuvadzi kubvunza. Vatengesi vangave vakagadzirira kutaurira kutengeswa pfupi sekubhadharwa zvakakwana kune vanhu vasina kumbobvira vashaya mubhadharo uye vane chikwereti chikuru chekwereti kutanga.
Chikonzero # 5. Zviri nyore Kuti Uwane Musha Mutsva
Kana iwe ukapfuura nekutengesa pfupi uye mukwereti akazviudza kune mari yechikwereti, hazvingazovi nyore kuti uwane chikwereti cheimba itsva. Zvisinei, vateresi vanonyanyisa kana vachiona kutengesa kutsva pamakero enyu echikwata kupfuura zvavari kana mune imwe nzvimbo yakarashika kuti itange kufanirwa.
Mutero wega wega ane mitemo yakasiyana, asi foreclosures inowanzokonzera kukwanisa kwako kuwana chikwereti kwemakore mashanu kusvika kumanomwe mushure mekuvhara. Nhamba shoma inotengesa ichakanganisa kukwanisa kwako kuwana mari kune chero ipi zvayo kubva pamakore maviri kusvika matatu mushure mekutengeswa pfupi. Kana iwe ukakwanisa kutenga chikwereti kare, iwe unogona kutarisana nemitemo yakasimba yokukwereta, yakadai semari yepamusoro yemari. Kutsvaga mari kubva kune vakweretesa vari vega nguva dzose inosarudzwawo zvakare.
Nekutevera: Mutengo Wenguva Pfupi Kutengesa Imba Yako