Kana iwe-kana bhizimusi rako- ukwereta mari kubva kubhangi kana kune imwe chikwereti, une chikwereti. (A mortgage, nenzira, inongova rudzi rumwe rwechikwereti.) Kubhadhara chikwereti kunogoverwa muzvikamu zviviri: mukuru uye anofarira. Mutungamiriri ndiyo mari yauri kukwereta, uye chikwereti ichocho chinokonzerwa nenguva iyo iwe une chikwereti.
Izwi rokuti "mukuru" rinoreva "chikuru." Chinhu chikuru (chikuru) chaunofanira kuyeuka pamusoro pevakuru kana chiri chekukwereta, mari yekubhadhara mari, uye mari yekutsvaga mari, ndeyokuti mukuru-mukuru ndiye mukuru (mukuru) chikamu chechiyero chebhuku iroro.
Mutungamiriri wechikwereti anogona kushandiswa kureva:
- Mari yawakakwereta pakutanga
- Nhamba yemari yekwereti yekwereti pane imwe nguva imwe mushure mekubhadhara kwekupedzisira kwaitwa
- Mari yepakutanga muhupfumi hwemunhu kana yebhizimisi, sechivakwa, midziyo, kana motokari
Mukuru wechikwereti chikwereti chakweretwa. Kufarira kunoverengerwa pane mukuru. Muchirongwa chekubhadhara chikwereti , mutungamiriri uye chido chinoparadzaniswa, saka iwe unogona kuona chikamu chipi chekubhadhara kwako kwemwedzi unoenda kubhadhara mutungamiriri, uye chikamu chipi chinoshandiswa kubhadhara chido.
Principal on Investments
Nenzira imwechete sechikwereti, inotora zvikwereti ine mukuru uye inofarira, asi kufarira ndeyekutsvaga. Nhamba huru yekutsvaga mari ndiyo chikamu chikuru, mari yepakutanga inowanikwa; nokuda kwezvisungo, mukuru ndiye kukosha kwechiso. Kufarira kana zvikamu
Muenzaniso weChinyorwa uye Kufarira Nezvemabhizimisi Emari
Ngatitarisei muenzaniso.
Iwe unotora chikwereti kutenga zvigadzirwa zvemabhizimisi. Mari yezvinhu izvi ndeye $ 10 000, asi iwe uri kupa $ 2,000 mubhadharo yakaderera, saka mukuru wechikwereti achava $ 8,000. Bhengi inopa 4% chikwereti pane chikwereti.
Paunenge uchiverenga kubhadhara kwedzimwe mwedzi, bhangi inobhadhara chikwereti, ichiipararira kwenguva yakawanda, uye kuverenga mwedzi mumwe nomumwe kubhadhara.
Kwemwedzi wega wega, purogiramu inoratidza (yebhadharo huru pakutanga kwemwedzi, (b) mari yose yekubhadhara, (c) chikamu chekubhadhara kunoenda kuderedza mutungamiriri, (d) mutengo we kubhadhara kunoshandiswa kwemari, uye (e) chikero chikuru pamagumo emwedzi.
Iwe uchacherechedza kuti mwedzi woga wega mubhadharo mukuru unoenda pasi uye chikwereti chekufarira chinowira pasi. Pakuguma kwechikwereti, chikamu chikuru chezero uye chido chiri zero. Pane chiitiko chekugadzirisa purogiramu munyaya ino kubva kuna Justin Pritchard paTheBalance.com.
Ndingakwanisa Kuita Mari Yokubhadhara Inongova Inofarira Chete Here Kana Kuti Chete Chekutanga?
Ehe. A "guru chete" kubhadhara kunoderedza mutungamiri asi kwete kufarira. "Chido chega" chekubhadhara chikwereti hachibvururi (kuderedza) mukuru.
Ndinokwanisa Kubhadhara Kubhadhara Mutero Mukuru Nokukurumidza Here?
Zvikwereti zvakawanda uye zvikwereti zvinokwereta vakwereta kuti vawedzere mari yepamusoro yekubhadhara chikwereti nokukurumidza. Kubhadhara mutungamiri kunoderedza chikamu chechidimbu chekufarira sezvo chido chinowanikwa pachiyero chikuru.
Kana Ndichibhadhara Mutungamiri Kuda Kunopera Here?
Kwete saizvozvo. Kufarira kunotaridzwa pane zvakasara zvinoshandiswa, kazhinji kuenzanisa nekuenzanisa kwenguva yakareba.
Kana iwe uchibhadhara chikwereti, pane zvimwe zvingave zvichiri kufarira iwe uchazofanira kubhadhara kwenguva yakakosha.
Mutero Mukuru Unobata Sei Bhizimisi Bangu Mitero?
Zvose zvikwereti iwe unokweretesa chikwereti chemabhizimisi ndeyekwereti inobhadharwa (mari inokweretwa). Paunenge uchiita mubhadharo, inoderedza mari yakabhadhara mari. Chikamu chikamu chekubhadhara chikwereti chekufarira.
Kuderedzwa kwehukuru hakuiti zvakananga mabhizimusi emitero, asi mari inofarira inodhadharwa sebhizimusi mari. Mutero wega wega haagoni kukwanisa kutora mari yekutora pamitero yemunhu pachake, kunze kwemusha wekutora chikwereti.
Kushandiswa Zvakashata kweChinyorwa uye Nheyo
Nheyo uye nheyo dzimwe nguva zvinokanganiswa. I "chirevo" ndicho chokwadi chinokosha kana nheyo yekutenda. Nheyo, sezvakataurwa pamusoro apa, inoreva chinangwa kana musoro.
Saka mukuru wechikoro ndiye mukuru kana munhu mukuru. Saka basa rekuverenga mabhuku rine maitiro ezvinyorwa zvemari, sezvinoita chitendero, se "mumitemo yechiKristu."