Kana iwe uchitenga chivako kune chikwereti chiripo, chikwereti chepakutanga hachibudiswi kubva kune chikwereti. Sezvo mutengi, iwe uchatora mari uye iwe unofunga kuti unovaita panguva yakakodzera. Kana chikwereti chikasvibiswa, chikwereti chepakutanga chinodanwa mune chero chiito kana chirevo chekupedzisira. Iwe unogona kutenga nzvimbo yacho zvichienderana nekutenga chikwereti, uye munhu wawakatenga kubva kwaari wainge aita zvakafanana, chikwereti chepakuvamba pakutanga kweketani ichiri kukodzera.
Mortgages in Real Estate
Zvikwereti ndezvekuti nzvimbo dzakawanda dzinotengwa sei munyika muno. Bhizimusi guru, uye hurumende inobatanidzwa zvikuru.
Chikwereti chikwereti chenguva refu chinogadziriswa nekukosha kweimba. Inotora chikwereti chakaderera nemakore 15 kusvika kumakore makumi matatu. Yakagadzirirwa kuita kuti pamba pamba ive yepamusoro.
Fixed-rate mortgages yave iri iyo yepamusoro yemakambani emakwereti emusha kwemakumi emakore.
Kwemakore ose, chikwereti-ku-kukoshesa ratios chakashandura uye kuwedzera kwezvikwereti zvakatama zvichidzika uye zvichidzika, asi kuchengeteka kwekugadzirisa-kutora chikwereti chekuita hachina kumbokanganwa kukwidzwa kwayo.
Pane zvikonzero zvizhinji zvatinoda FHA zvikwereti nhasi. FHA zvikwereti zvakatanga kuwira kunze kwe nyasha kwemakore mashomanana, asi kubvira muna 2005 zvakasimbiswa!
Icho chinzvimbo chave chiripo kwenguva yakareba, kubva paJune 27, 1934. Dhipatimendi reZvumba & Urban Development rakapinda Federal Federal Administration (FHA) pasi pemuraira wayo muna 1965.
Congress yakagadzira VA Loan Guaranty Program muna 1944 kubatsira vashandi vekudzoka vachizadzisa kurota kweimba yeimba. Kubva panguva iyoyo, Dhipatimendi reVeterans Affairs rakabatsira masere emamiriyoni gumi nematanhatu ekutenga misha.
Chii chechipiri chikwereti? Iwe unogona kunge uine ruzivo rwepa plain-vanilla mortgage, saka chii chikamu chechipiri ? Ingongova imwe chikwereti pamusha wako - chikwereti chakachengetedzwa pamba. Izwi rokuti "rechipiri" rinoratidza kuti chikwereti hachikoshesa mumba mako kana iwe usina kukwana. Pane kudaro, mari yako yokutanga (inowanzoitirwa mari yekushandisa imba yako) inokosha uye iyo chikwereti ichizobhadharwa mari isati yaenda kune yechipiri chikwereti.
Kuda -kutora chikwereti chete chave chiri chinhu chakakurumbira kuvarimi kune dzimwe nzvimbo umo kuwedzera kwehupfumi hwehupfumi hwakaita kuti kuwana mari yakajeka yekushambadzira mari kunyanya kuoma.
Chido-chete chekutora chikwereti chikwereti mubhadhari kuti atsigire chikwereti chikuru chenguva yakatarwa, kazhinji kubva pamakore matatu kusvika gumi.
Munguva iyi nguva, akakwereta anongobhadhara chido. Mushure mokunge nguva yekutanga yapera, chikwereti chacho chinodzokodzwa kuitira kuti chikwanise kubhadhara mutungamiriri pamusoro pemakore akasara.
Nzvimbo dzekugara dzimba dzinoshanda nevatengi vane ruzivo rwakasiyana-siyana mukutenga misha nekuwana mari. Kwenguva yokutanga mutengi, pachave nekuwedzera rubatsiro runodiwa munzira yekutsanangura mhando dzakasiyana dzezvikwereti zvekare uye nzira yekushandira kune chikwereti uye mari yeimba. Iwe unogonawo kudanwa kuti unotsanangure hutenga hunoshandiswa kune vashandi vemazana emari.
Vatengi, kunyanya mumisika yemabhizimisi edzimba, uyewo vanoshandisa mabheji mabheji 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.
Icho chiri chechidiki pane zvikwereti, uye vazhinji vedu tichave tichishandisa imwechete kana kupfuura mumazuva edu ehupenyu, saka zvakanaka kuti tinyatsonzwisisa zvidzidzo.