11/02/2023

Kurota kwemuridzi wemba chinhu chakakosha kuvanhu vazhinji, asi zvakakosha kuti uone kuti ingani imba yaungakwanise kutenga usati watanga rwendo urwu.Kunzwisisa mamiriro ako emari, kufunga zvinhu zvakasiyana, uye kuita sarudzo ine ruzivo matanho akakosha mukutenga imba.Mugwaro rino rakazara, tichakubatsira kupindura mubvunzo, "Imba yakawanda sei yandinogona kutenga?"

Kuongorora Mamiriro Emari Yako

Usati watanga kuvhima imba, zvakakosha kuti utarise zvakanyanya mamiriro ako emari.Hezvino zvimwe zvakakosha zvekufunga nezvazvo:

1. Mari

Ongorora mari yose yemhuri yako, kusanganisira muhoro wako, mamwe mabviro emari, uye mari yemudiwa wako kana zvichiita.

2. Mari

Verenga mari yako yemwedzi nemwedzi, kusanganisira mabhiri, girosari, chekufambisa, inishuwarenzi, uye chero imwe mari inodzokororwa.Usakanganwa kuzvidavirira kune discretionary mari.

3. Zvikwereti

Funga nezvezvikwereti zvako zviripo, zvakadai sezvikwereti zvekadhi rechikwereti, zvikwereti zvevadzidzi, uye zvikwereti zvemotokari.Chikwereti chako-kune-muhoro chikamu chakakosha icho vanokweretesa vanoongorora kana uchinge waona kukodzera kwako kwekutora imba.

4. Savings uye Down Payment

Sarudza kuti imarii yaunayo yekuchengetedza, kunyanya yekubhadhara pasi.Kubhadhara kwepamusoro kunogona kukanganisa rudzi rwemortgage uye mubereko waunokodzera.

5. Chikwereti Chibodzwa

Chibodzwa chako chechikwereti chinotora basa rakakosha mukukodzerwa kwemortgage uye mitengo yemubereko.Tarisa rondedzero yako yechikwereti kuti ndeyechokwadi uye shanda pakuvandudza chikwereti chako kana zvichidikanwa.

Calculating Affordability

Kana uchinge uine mufananidzo wakajeka wemamiriro ako emari, unogona kuverenga kuti yakawanda sei imba yaunokwanisa kutenga.Nhungamiro yakajairika ndeye 28/36 mutemo:

• 28% Rule: Mari yako yekugara pamwedzi (kusanganisira imba, mutero wezvivakwa, inishuwarenzi, uye chero mari yemubatanidzwa) haifanire kudarika 28% yemari yako yaunowana pamwedzi.
• 36% Rule: Chikwereti chako chese chekubhadhara (kusanganisira mari yemba uye zvimwe zvikwereti) haifanire kudarika 36% yemari yaunowana pamwedzi.

Shandisa zvikamu izvi kuti ufungidzire kubhadhara kwemortgage kwakasununguka.Ramba uchifunga kuti nepo mitemo iyi ichipa hurongwa hunobatsira, mamiriro ako emari akasiyana anogona kubvumira kuchinjika.

Zvimwe Zvinhu Zvokufunga nezvazvo

1. Mari dzeMbereko

Ramba wakatarisa parizvino remba yemubereko, sezvo inogona kukanganisa zvakanyanya mubhadharo wako wepamwedzi weimba.Mubereko wakaderera unogona kuwedzera simba rako rekutenga.

2. Inishuwarenzi yeKumba uye Mitero Yezvivakwa

Usakanganwa kusanganisa mari idzi paunenge uchiverenga kugona.Zvinogona kusiyana zvichienderana nenzvimbo yako uye pfuma yaunosarudza.

3. Mari Yemberi

Funga nezvezvinozoshandiswa mune ramangwana, zvakadai sekugadzirisa, kugadzirisa, uye mari yesonganiro yevaridzi vedzimba, paunenge uchironga bhajeti yako.

4. Emergency Fund

Chengetedza homwe yekukurumidzira kubhadhara mari isingatarisirwe, iyo inogona kukubatsira kudzivirira dambudziko remari.

Pre-Approval Process

Kuti uwane ongororo yechokwadi yekuti ingani imba yaunokwanisa kutenga, funga kuwana pre-yakatenderwa yekutenga imba.Izvi zvinosanganisira kupa ruzivo rwako rwemari kune mukweretesi anozoongorora chikwereti chako, mari yaunowana, uye zvikwereti kuti aone mari yembavha yaungakodzera.

Kubvunzana neFinancial Advisor

Kana ukaona maitiro acho achikuremedza kana uine mamiriro emari akasiyana, zvine hungwaru kubvunza ane chipangamazano wezvemari kana nyanzvi yekutenga zvinhu.Vanogona kupa hutungamiriri hwemunhu uye kukubatsira kuita sarudzo dzine ruzivo.

Mhedziso

Kuona kuti ingani imba yaunokwanisa kutenga inhanho yakakosha mukutenga imba.Zvinosanganisira kunyatsoongorora mamiriro ako emari, uchifunga nezvezvinhu zvakasiyana-siyana, uye kunzwisisa miganhu yebhajeti yako.Nekutevera nhungamiro dzakapihwa mugwaro rino, kutsvaga kubvumidzwa, uye kutsvaga zano renyanzvi pazvinenge zvichidikanwa, unogona kuita sarudzo ine ruzivo uye wotanga rwendo rwako rwevaridzi vemba nechivimbo.

Chirevo: Ichi chinyorwa chakagadziridzwa neAAA LENDIS;mamwe emifananidzo akatorwa kubva kuInternet, nzvimbo yesaiti haina kumiririrwa uye haigone kudhindwa zvakare pasina mvumo.Pane njodzi mumusika uye mari inofanira kungwarira.Ichi chinyorwa hachiumbe zano rekudyara wega, uye haritarise zvinangwa zvekudyara, mamiriro emari kana zvinodiwa zvevashandisi vega.Vashandisi vanofanirwa kufunga kuti chero maonero, maonero kana mhedziso dzirimo dzirimo dzakaenderana nemamiriro avo ezvinhu.Isai mari zvinoenderana nenjodzi yenyu.