Real Estate vatengesi vanogona kugadzirisa zvikwereti kune zvavanoda
Mhando yekubhadhara mari yaunosarudza semurimi wezvivako zvekumba ndiyo chinhu chinokosha mukugadzirisa uwandu hwehutano hwako nekushambadzira kwemari iyo yako inowanika mari. RI yako Yose, Kudzokera Pakutengesa, ichazoenderana nezvakawanda, asi rudzi rwechikwereti rwakarurama pedyo nepamusoro.
Pano pane mitanhatu yakakurumbira yemhando dzekugadzirisa mari kubva kune maonero anoita mutengesi:
• Fixed Rate : "Eddie akasimba" mortgage.
Dambudziko guru uye rinofanotaurwa. Asi, kwete nguva dzose pasi yakaderera. Zvisinei, kana iwe uchida kuchengetedza imba yekurenda kwemakore, ipapo iyo iyo mhando yezvikwereti inokubvumira kugadzirisa mari iyi yakakura yevhudzi mumatombo. Iwe haufaniri kunetseka nezvehuwandu hwekuchinja hukuvadza mari yako. Izvo zvinogonawo kugadziriswa kana zvikwereti zvichidzika pasi, saka unenge uine mafungiro. Kana zvikwereti zvakakwirira kudarika iwe uchida asi iwe uchiri kuwana mari yakakwana yekuyerera, iwe unogona kutora chikwereti chakasimwa chikwata nechinangwa chekugadzirisa panguva yeramangwana.
• Chigadziriswa Chekuita (ARM) : Inogona kupa mazamu ekutanga ekutanga, asi mubhadhari anotora mutengo wekuda kwehuwandu pamusoro pehupenyu hwekutsvaga. Iko rudzi rwechikwereti rwakanakisisa kana iwe uchida mukana wakaderera wenguva shoma yakarongedzerwa nguva, pasi pehurefu hwenguva isati yasvika. Iwe unogona kutorawo rudzi urwu rwechikwereti kana iwe unotarisira kuti mari inodonha. Kune 5, 7 uye gumi mugore reA ARM chikwereti chinowanikwa, uye chimwe chazvo chinogona kukodzera muurongwa hwako hwekutsvaga uye kuwedzera kukwira kwemari paunenge uchironga kutengesa mafasi asati mari yechikwereti ichigadzirisa.
• Chido Chega : Chengetedza mubhadharo wako nekubhadhara chido chete (kwete mukuru) wepanguva yakatsanangurwa. Asi gadzirira chikwata chako kuti uende. Kana iwe pachako uchigadzirira pane imwe rudzi rweflip resale munguva pfupi, iyi inogona kunge iri mari yakaderera kubva muhomwe yenguva yaunoda mari yacho. A fix & flip transaction loan kwenguva kubva pakutenga kupedza kuburikidza nekuvhara kwekutengesa kunogona kuva muenzaniso.
Kunewo vashandi vanogadzirira 1031 Kuwedzerwa munguva iri mberi avo vanoshandisa zvikwereti zvinokwereka-chengetedza kuchengetedza mari pasi uye mari inoyerera kusvika chirongwa chavo chikaitwa.
• Zero Down : "Gurus" inoparidza nzira iyi yekubhadhara mari iyo inoda kubhadhara mari. Izvi zvinogona kusimbisa chiyero chekudzoka pane iwe wekutsvaga, asi ziva nezvezviitiko. Imhando iyi yechikwereti yakanyangarika yakanyangarika mushure mekuparara kwakatanga muna 2007. Panogona kunge pane dzimwe nzira dzekugadzira mari yekudzokera kumusika sezvo ichi chiri kuendeswa mberi kwegore ra 2015, asi zero pasi hazvizove nyore kuwana.
• Balloon : Bhokoni yekubhadhara chikwereti inobviswa pane imwe nguva yakareba kudarika nguva yechikwereti. Izvi zvinogona kuguma mune kumwe kuchengetwa mubhadharo yemwedzi wega, asi gadzirira kugadziridza pakuguma kweshoko. Muenzaniso: Unotora chikwereti kutenga imba, uye kubhadhara kwakavakirwa pamakore makumi matatu emakore, asi chikwereti ndezvemakore mashanu chete. Unofanirwa kubhadhara chikwereti pamagumo emakore mashanu, kubhadhara kubhodhi. Iwe unochengetedza mari yekutora nekuda kwemakore makumi matatu emakore.
• Kuvhiringidzika : Kana iwe uine chikwereti chekubhadhara chikwereti chinoratidzika hachina kunaka kuti chive chechokwadi - zvichida. Zvizhinji zvemhando iyi yekukwereta yakanyangarika mushure mekuputsika, saka ndinotaura chete kana iwe ukawana chimwe chinhu chakaita zvekusika chinoratidzika hachibviri.
Imwe rudzi rwechikwereti icho hachisi chaicho chaicho "chisinganzwisisiki" ibhuku reBlackank Mortgage rakafukidza boka rezvivako izvo zvave zviri zvechikwereti. Kana vakave vakabatwa kwemakore, kune hutano hunogona kushandiswa kubhadhara zvimwe zvikwereti. Rimwe boka rezvinhu izvi rinogona kugadziriswa sevhudziro rwekubhadhara mari dzeimwe nzvimbo dzekutenga zvinhu.
Vashandi vezvivako vepfuma vane zvisarudzo zvekubhadhara mari, asi zvisiyana zvakasiyana kupfuura kare. Zvisinei, mutengesi ane utsinye anogona kubhadhara mabasa avo nenzira dzakasiyana-siyana uye kuwana ROI yavanoda. Nyatsoongorora zvaunogona kuita. Dzimwe nguva sarudzo yekusarudza chikwereti inogona kuita kuti musiyano uve kana mutengo unogona kuitwa kana kwete. Asi, kana iri pedyo kwekushevedza, chenjerera kuti uite zvakafanira.