Chii Chakaoma Mari Mari Yokubhadhara?
Kungofanana nechimwe chikwereti chipi zvacho, chikwereti chakaoma mari chikamu chemari inokweretwa kubva kune chikwereti.
Mashoko chaiwo emutero wacho achasiyana maererano nesungano pakubhadhara chikwereti.
Anokwereta anogamuchira mari, asi uyo anopa chikwereti anogamuchira mwedzi mumwe nomumwe chikwereti pachikwereti kusvikira achibhadhara zvakakwana. Mukweretiwo anowanzopa mutero chikwereti, pane imwe nguva yekubhadhara chikwereti.
Mari yechikwereti chakaoma inotsigirwa nehupfumi hwenyama, iyo ndiyo nzvimbo iri kutengwa. Zvimwe zvikwereti zvedzinza zvinowanikwa kune chikwereti chekwereti.
Ndeapi Uri Kuwana Mari Yakakomba Mari?
Mari yakabhadhara mari yakawanda inogona kuwanikwa kubva kune mumwe munhu wevatengesi kana boka revarimi.
Ndiani Anoda Mari Yakaoma Mari?
Mari yakakwereta mari yakaoma inowanzoshandiswa mukutengesa kwemaimba. Vatengi vemazuva ano, vakadai semabhangi nemamwe masangano emari, havakwanisi kukweretesa mari inotyisa. Ivo vanonyanya kufarira kubhadhara mari yakaoma iyo inonzwa kuti kune mikana yakawanda yekuita chikwereti chakabhadharwa.
Nokudaro, kana mutengi achida kutenga nzvimbo yakaora mwoyo, vane zvishoma zvingasarudzwa kana zvasvika pakuwana mari. Vashandi vemari vepfuma vanoda kuita gadziriro rehab kana kuti pfuma yekukurumidza flip vanowanzoshandisa mari yakaoma zvikwereti.
Dzimwe dzimba dzekutsvaga dzimba, dzinogona kutenga mari yekuwana mari , inogona kushandisa mari yakaoma chikwereti pakutanga kusvikira inogona kugadzirisa nzvimbo.
Kana imwe nzvimbo iyo yakagadzikana, varairidzi ava vachachengetedza mari yakawanda yekubhadhara chikwereti muhotera yakaderera uye kubhadhara chikwereti chakakosha mari yechikwereti.
Mari yakakwereta mari yakaoma inoshandiswawo nevanhu vasingakwanisi kutenga chikwereti kubva kubhangi nekuda kwekushaya mari yechikwereti. Vangave vane chikwereti chakashata, asi vachiri nekukwana kwakakwana muzvinhu zvavo kuti mari yakaoma inokweretesa inofarira kugadzira chikwereti. Iyi mamiriro ezvinhu anogona kuonekwa kana muridzi ari kutarisana kusatidzira pane imwe nzvimbo.
Makomborero eDambudziko Rakaoma Mari
Heano pane zvikonzero zvinai mubhadhadzi wezvivako zvekumba anogona kuwana mari yakaoma chikwereti:
1. Purogiramu Inokurumidza: Sezvo uri kushanda nemumwe munhu chikwereti, kana boka duku revakweretesi, pane zvishoma zvishoma kuti adhanyire. Vashandi vemari mari yakaoma havafariri mukwereti makosi kana kuti chikwereti chaunacho.
Sezvo iyo pfuma iyo inoshandiswa iyo inotsigira chikwereti, ivo vanofarira chete kukosha kwavanoona muimba. Zvichienderana nemutengi wako, unogona kuwana chikwereti chako mumazuva mashomanana kana masvondo mashoma. Zvinogona kutora mwedzi mumwe chete kusvika kutatu kuti uchengetedze mari yakawanda yekubhadhara mari.
2. Unogona Kukwereta Zvimwe: Nezvokutengeserana, iwe unofanirwa kuisa pasi zvishoma zvishanu pamatengo ekutenga.
Mabhangi anosarudza kuti iwe uise pasi 20 muzana yemutengo wekutenga, iyo inowanzokupa mazwi ari nani pane chikwereti. Kana iwe ukaisa pasi pasi pe20 muzana, iwe unowanzofanira kutenga mortgage inshuwarisi, iyo inowedzera mari yako yepamwedzi yekubhadhara mari.
Nekwereti yakaoma mari, uyo anokweretesa angave achida kukukwereta 100 muzana yemutengo wekutenga. Pasina kubhadhara mari, iwe unongova wega wekubhadhara mari yekutanga uye yekubatsira kwemwedzi kusvikira iwe uchibhadhara chikwereti zvachose.
3. Ita Ushamwari: Sezvo iwe unogona kugadzira ukama nebhangi kana imwe chikwereti chikwereti, unogona kusimbisa ukama nemari yako yakaoma mari. Kana iwe wakaratidza nhoroondo yekukudza mitemo yesangano uye kubhadhara chikwereti chako nenguva, kana kunyange kutanga, uyo anokweretesa angangoda kushanda newe mune ramangwana.
Nemhaka yezvenhoroondo yako yakajeka, uyo anokweretesa angave achida kubhadhara chikamu chikuru chekutenga mutengo, kuderedza mari yekutangira kana kuderedza nguva yaizotora kuti awane chikwereti.
4. Zvakanaka Paunotanga Kubuda: Mari yakakweretesa yakaoma haina kukodzera kune mumwe wevatengesi, kana kune imwe yezvikwereti, asi inogona kuva yakatanga kutanga. Paunenge uchangobva kutanga, zvikwereti izvi zvinokubvumira kutenga pfuma nemari shoma yako pachedu. Kana uchangobva kuzvisimbisa semurima, iwe unogona kuwana mutsara wechikwereti kubva kubhangi panzvimbo yekushandisa chikwereti chemari yakaoma, iyo inenge iine chikwata chakanaka zvikuru.
Ngozi dzekuoma mari mari
Nepo kune zvikomborero pakuwana mari yakaoma chikwereti, hezvino nengozi dzinofanirwa kuongorora zvakare:
1. Kuda Kwekuda Kuita: Chimwe chikamu chakashata chekwereti mari yakaoma ndeyekuti inowanzouya nehuwandu hwekuda mari. Hazvishamisi kuona chiyero chezvibereko pakati pe10 muzana ne20 muzana pamhando idzi dzezvikwereti. Vakwereta vanoziva kuti vane simba nekuti mune zvishoma zvingasarudzwa zvekukweretesa chikwereti.
Sezvo ivo vari kutorawo njodzi nokukanda mari yakawanda kudaro, vanoda kuve nechokwadi chokuti iwe unokurudzira kubhadhara nokukurumidza.
2. Kubhadhara mari yakakwirira: Mari yekutanga ndiyo mari yaunotora chikwereti kuti achengetedze chikwereti. Icho chikamu chemari yacho.
Zvakare, sezvo ichi chiri chekutsvaga riskier, mari yakaoma iyo chikwereti iri kuedza kuzvidzivirira pachavo. Hazvisi zvisinganzwisisiki kuti uyo anokweretesa apiwe mari yakawanda kanomwe kazana yemari yekwereta. Semuenzaniso, kana mabheji chaiwo akarova chikamu chimwe chezana chekwereti yese semari yekutanga, mari yakaoma yekutengesa mari inogona kutora chikamu chezana chekwereti.
3. Haisi Nguva Yakareba: Kunyange zvazvo zvakajairika kuva nemakore gumi nemashanu ekubhadhara chikwereti kana makore makumi matatu ekubhadhara, izvi hazvisizvo nemari yakaoma mari. Kunyange zvazvo zvibvumirano zvose zvakasiyana, zvikwereti izvi zvinowanzofanira kubhadharwa mumwedzi mishomanana kana makore mashomanana. Kana chikwereti chacho chisina kubhadharwa mukati memwedzi mishomanana kana gore, iyo yakatove yakakwirira inowanikwa mubereko inogona kuwedzera.
4. Kurasikirwa nePfuma: Sezvo chivako chiri chivimbiso chekwereti, kwete iwe pachako, kana iwe usingagoni kubhadhara chikwereti, iwe ucharasikirwa neimba.