Nei Vatengi Vashandisa Mabheji Anosungirirwa
Vatengi, kunyanya mumisika yezvokutengeserana kwedzimba, vanoshandisa zvikwereti zvehombodo nekuda kwezvikonzero zvakawanda. Vatengesi vanoita mari vachiita zvikwereti. Kana nhamba dzichishanda uye dzinowana kuchengetedzwa kwakakwana, vatengesi vezvokutengeserana vachabva mabheji ekugadzirisa mari anoshandiswa mune zvekutengesa zvivigiro. Zvichida mari yako inotevera inogona kushandiswa zviri nani nekushandisa bhanhire rekutengesa.
Iwe Unoda Kubatanidza Zvimbudzi zveKutsvaga
Mumwe mubhadhati anogona kunge ane pfuma yakawanda yemari yakabhadharwa panguva dzakasiyana uye nemitemo yakasiyana-siyana.
Kana zvikwereti zvakaderera, zvinogona kuve nyore kuunganidza zvivako pamwe chete nekugadzirisa nehomwe yekutenga chikwereti. Mukuita kudaro, mari yekubhadhara inogona kunge yakaderera muzvikamu. Inogonawo kubvumira muridzi wacho kutenga mari kuti ishandiswe pakuwedzera mari. Kunyanya kana mutengesi ari kubata misha yakawanda inotengwa panguva dzakasiyana pamitengo yakasiyana-siyana yemitengo, iyi inogona kuva sarudzo kana pane zvimwe zvakaenzana. Nezvivakwa zvakachengetwa kwekanguva, zvingaita sezvizvi:
- Imba Inokosha $ 165,000, chikwereti chinokwana $ 125,000 pa6,5%, kubhadhara $ 847 / mhed
- Imba B inokosha $ 172,000, chikwereti chikwereti $ 122,000 pa 6.75%, kubhadhara $ 809
- Imba C inokosha $ 149,000, chikwereti chikwereti $ 118,000 pa 6.0%, kubhadhara $ 746
- Zvose zvinodarika $ 468,000, chikwereti chakakwana $ 365,000, chikwereti chakakwana $ 2402
- Equity inenge 23%, saka chikwereti chinokwanisika.
- Chirafu chitsva chekubhadhara mari ye $ 365,000 pazvino 5.0% yekutengesa kuripo kwe $ 1,959
- $ 443 kuwedzera mumwedzi wega wega mari inoyerera
Kuwedzerwa Mari Inotengeswa Zvitsva
Ngatitii mutengesi anoda kukudziridza kana kugadzirisa zvekutengesa pfuma. Nhamba yemari inodiwa pakutenga uye basa rakakura pane rinogona kukweretwa pane iyo pfuma chete. Mutengi anogona kupa zvimwe zvinhu mu blanket real mortgage transaction.
Pasi pemamiriro ezvinhu akanaka, mutengi anogona kuwana zvakawanda kupfuura mari inodiwa yepurojekiti itsva. Sezvaunogona kuona mumuenzaniso wekare, tiri kushanda neimba inenge iri yekanguva kana kuti tive nehomwe huru. Mari yechikwereti chitsva ichichada kukosha kwakakosha, kunyanya kana kutora mari.
Zviri nani kuti uwane mitemo
Nokubatanidza zvimwe zvinhu muhomwe yekutengesa, uyo anokweretesa ari nani kuchengetedzwa nehuwandu hwekuwedzera sehutete. Izvi zvinogona kushandiswa kakawanda sechigadziro chekutaurirana nezvekuwedzera kwezvikwereti zvekuda kana mamwe mazwi embairo. Kana mubhadharo wakaderera unobvumira mari yakanaka kubva kune zvikwereti, iyi ingave ndiyo nzira yekuenda nayo. Ngatitii mari yawedzera, zvichida mutero. Kushandisa nzira iyi muzvikwereti aigona kudzokera kune kana kuti pedyo nepfuura mari inopera nehomwe yekutengesa.
Vatengesi Vanogona Kuvhara mune Zvimwe Zvivako muChikwata Chekubata
Kana kutengesa imwe nzvimbo uye akakumbira kutora zvimwe zvekubhadhara mari, mutengesi anogona kuchengetedza nzvimbo yavo zviri nani kana vachigona kuwana mutengi kushandisa imwe nzvimbo yavari yavo sekuwedzera kuchengeteka kwechikwereti. Zvichida imwe chete yemhuri inoshanyira dzimba uye ine chikwereti chakakura ichiedza kuendesa muzvikwereti.
Chirongwa chinowanikwa, asi mutengesi anofanira kutora zvimwe zvekubhadhara. Vanogona kungoita chete kana mutengi achishandisa dzimwe dzimba kuti ape mutengesi kuwedzera kuchengeteka.
Sezvatinoona, pane zvikonzero zvebhizimisi zvakajeka zvekushandisa chidzitiro cheimba yekutengesa. Kana zvimwe kana izvi zvose zviripo zviripo, vatengi, vatengesi, uye vanokweretesa vanofanira kufunga nezvekuita izvi.