Asi chokwadi ndechekuti zviwanikwa zvako kubva pakutengesa imba yako yekutanga inogona kunge isina zvishoma-kana ikapfeka zvachose.
Real Estate Kukoshesa uye Kuwedzera
Chinhu chekutanga chekutarisisa ndechokugamuchira kumba mumamiriro ekutengesa.
Iwe unogona kushamisika kuona kuti kukoshesa kweimba yako kunogona kukanganiswa nekuderera. Izvi zvinonyanya kuitika kana iwe usingararami mumusika wekutengesa pfuma. Tinonzwa nyaya dzinoshamisa dzekuonga kune dzimwe nzvimbo dzenyika, asi vanhu vazhinji vanotenga dzimba munzvimbo dzisinganzwisisiki gore negore kuwedzera kwekuwedzera kwezvinhu.
MunaSeptember 2007, maererano neThe Federal Reserve Bank yeSt. Louis, mutengo wekutengesera wemisha mitsva yakatengeswa muUnited States yaiva $ 240,300. MunaSeptember 2017, nhamba iyoyo yakasvika kusvika ku $ 319,700. Zvisinei, kana iwe uchimhanya dzimwe nhamba uchishandisa US Inflation Calculator, zvimwe zvekutenda ikoko zvinopera. Panzvimbo pokuona $ 79,400 mukutenda, kukosha kwaro kwekutenda kuri pedyo ne $ 33,648.
Izvo zvisingaiti sezvakaipa. Mushure mezvose, kukosha kweimba yako kwawedzera nezviri kupfuura $ 30,000. Asi ngatirege kukanganwa pamusoro pemari.
Kuva Neimba Kunouya NeZviwedzerwa Zvimwe
Zvadaro, unofanirwa kubvisa mari yeimba yeimba yako kubva pane zvaunowana.
Ngatiti iwe unotora chikwereti che $ 250,000 pane chikwereti chekuda kwe 3.92 muzana. Pamusoro pemakore makumi matatu, maererano neGoogle's mortgage calculator, iwe uchabhadhara $ 175,533 muchibereko. Kunyangwe kana imba yako ichikoshesa nemari inokonzerwa nemari inokwana $ 30,000 makore gumi nemakore (inokwana $ 90,000), izvo hazvina kukwana kubvisa chikwereti chaunobhadhara pachikwereti.
Uye kufarira iwe unobhadhara haisi iyo chete yaunotarisana nayo. Yeuka kuti iwe unobhadhara mitero yematunhu mune dzimwe nyika. Mudzidzi Wechikwereti Hero ye mortgage calculator inosanganisira imwe imba yekubata kuverenga. Kana mutero wako wepfuma unosvika ku5 muzana pagore, unogona kuona kubhadhara mutero we $ 117,000 pamusoro pemakore makumi matatu. Uye iyo haifaniri kutengesa mutero wemapurisa-sezvo imba yako ichikoshesa kukosha, saka iwe pfuma yako yemitero.
Ichokwadi kuti iwe unogona kutora zvimwe zvezvaunotora pamutero wako wekubhadhara, asi kubviswa hakune kukosha kwakafanana sekwereti. Inogona kuderedza mari yako uye mutero wako wekuteresa, asi kwete pamadhora-ne-dollar. Kunze kwekudaro, maererano neRhafu Foundation, inenge 30 muzana yemhuri iyo itemize. Kunze kwekuti iwe uri pakati peavo itemize, hauzooni chero mutero unobhadhara unoenderana nekutora mari yako.
Zvimwe mari inobatanidza neimba yeimba inosanganisira kugadzirisa uye kugadzirisa, pamwe nevhudzi vemunishuwarenzi. Iwe unogonawo kubhadhara chikwereti chemishonga inshuwarheni kana yako pasi kubhadhara iri pasi pe20 muzana. Nenguva iyo iwe unofunga mumakumi emakore ezvinodhura izvi, wakawedzera kune yako yaunotora chikwereti chaunofarira uye yekutengesa mitero, mikana yekuputsa kunyange yakanyanya kuduku-kunyange kana imba yako ichikoshesa kukosha pane nguva.
Zvakadini Kana Iwe Uchiguma Uchitengesa Zvisingatarisirwi?
Tinoda kufungidzira kuti misika yemuimba ichagara ichikwira. Zvisinei, sezvatakaona pakati pa2007 na2009, dzimba inogona kuumba bundu rakafanana nedzimwe nhumbi. Kuputika kweimba yehumba yakagadzira mamiriro ezvinhu umo zviuru zvevanhu zvakaguma nekurasikirwa nemari yakawanda. Kana iwe ukakwanisa kukwira kunze kwekutengesa mutengo, iwe ungasakurega kurasikirwa zvakawanda.
Zvisinei, kana iwe uchimanikidzirwa kutengesa munguva yekuputsika kwemisika yemugove, hapana zvakawanda zvaunogona kuita kuti uwane mamiriro acho ezvinhu. Iwe unogona kuguma kurashikirwa nemari kumba kwako, pamusoro pezvawave wakatobhadhara muzvibereko, mitero, nezvimwe zvinodhura.
Zvakadini Nekuviga?
Zvechokwadi, sezvo usina kukwana kushandiswa sekutenga kunogona kuva, zvinokwanisika kuratidza kuti kubhadhara kungasava iyo mhinduro. Mushure mezvose, kana iwe ukaita chikwereti chekubhadhara, iwe unenge uchinge uine hutano mumba mako.
Paunenge uchikwereta, uri kubetsera mwene weimba yako kuvaka hutano.
Zvisinei, izvozvo hazvirevi kuti kubhadhara kunofanira kudziviswa pamatambudziko ose. Zvichienderana nemusika wako, kukodha kunogona kuva sarudzo yakanaka, kunyange kana izvo zvinoreva iwe hausi kuvaka kuenzana.
Izvo zvinonyanya kuitika Kana iwe uchigara mune imwe nzvimbo ine dzimba dzepamusoro, uye iwe unogona kubhadhara zvishoma kudarika mari yepamwedzi yemari yekubhadhara, kuchengetedza, nezvimwe zvinodhura. Hausi kungochengetedza mari pamwedzi chete, asi iwe unokwanisa kuisa mutsauko mumusika uye unogona kuona kukoshesa kwakanyanya kudarika iwe wawawana kubva kumusha wako wekutsvaga.
Pakati paNovember 2007 naNovember 2017, S & P 500 yakadzoka gore negore re 9,672 muzana, rakagadzirirwa kuwedzera. Ngatitaurei kuti zvaizodhura iwe $ 1,100 pamwedzi kuti uve neimba panguva iyoyo, asi pane iwe wakararama muimba imwe nebhadharo ye $ 700. Kana iwe wakapa mari ye $ 400 pakati pokukodha uye kutenga mwedzi mumwe oga pamusoro pemakore gumi, kukosha kwekutsvaga kwako kwaizova $ 83,587.81.
Panewo zvakare kuti kubhadhara kunoreva kuti hausi kurasikirwa nehomwe yemari kana iwe uchikamanikidzwa kutengesa imba yako panguva yekuderera. Kune rumwe rutivi, kana iwe uchikwanisa kugara mumba mako uye uchikwira kunze kwemusika zviitiko uye kugadziriswa kwedzimba, iwe unogona kuvaka zvakakwana muimba yako kuti inogona kushandiswa panguva yekurega. Kunyange kana iwe ukangoputsa kunyange (kana kunyange iwe uchirasikirwa zvachose) pamba, inogona kuva motokari yekuchengetedzwa-yakamanikidzwa iyo inogona kukupa mari yakawanda iyo iwe unotengesa.
Inogonawo kuva nzvimbo yekugara mubhadharo mumakore ako ekurega basa (unogona kunge uchingoda kubhadhara mitero yemitengo, zvisinei), kana iwe unogona kushandisa revers mortgage kuti uwane hutano kuitira kuti uvhare mukana wekusarirwa mari. Iwe haugoni kuona izvo zvingasarudzwa kana iwe uchikwereta.
Paunenge Uchitenga Imba Ndiyo Imari
Panzvimbo pokuona nzvimbo yako yekugara sekutsvaga, funga zvimwe zvikonzero zvokutenga. Zvichida iwe unoda nzvimbo yekuzviti iwe pachako, ega kuenzana, nekuisa midzi mumunharaunda. Izvi zvose zvikonzero zvakanaka zvokutenga! Zvimwe, kana iwe uchifunga kuti uchava nehupenyu huzhinji hwemafambiro, zvinogona kuita kuti zvive zvakananga kubhadhara, kunyange iwe usingagari kuenzana. Chero bedzi iwe uchiita zvimwe zvirongwa zvekugadzirira ramangwana rako, kukwereta kunogona kuva sarudzo yakakodzera, zvichienderana nemusika wemo uye mararamiro ako ehupenyu kwenguva refu.
Pakupedzisira, kana iwe uchida kudzorera imba yako mukutsvaga kwechokwadi, unofanira kuita chimwe chinhu kunze kwekugara mairi. Kubhadhara kunze mushure mokunge iwe uchifamba kana kuishandisa kuti uwane mari kuburikidza neAirbnb inogona kuva nzira yekuona kudzoka pamusha wako kutenga.
Asi kana iwe uri kurarama imomo, usatarise pazviri kupa hutano hukuru hwokudzoka.