11/30/2023

Kana zvasvika pakupa imba mari, sarudzo dzechivanhu dzemortgage haisiriyo yega nzira yekuva muridzi wemba.Zvikwereti zvemba zvisina kujairika zvinopa dzimwe nzira kune vanhu vangave vasingakodzeri kana kusarudza dzimwe nzira kune dzakajairwa mbanje.Mugwaro rino rakazara, tichaongorora mamiriro ezvikwereti zvemba zvisina kujairika, tichiongorora sarudzo dziripo uye nekupa muono wekuti dzingave dzakakodzera mamiriro ako akasiyana.

Kunzwisisa Zvikwereti Zvisingawirirani Zvemba

Tsanangudzo

Zvikwereti zvemba zvisina kujairika zvinosanganisira zvakasiyana-siyana zvisiri zvechinyakare zvemortgage zvigadzirwa zvinotsauka kubva kune yakajairwa yakatarwa-mwero kana inogadziriswa-mwero wemoti inopihwa nevechinyakare vanokweretesa.Zvikwereti izvi zvakagadzirirwa kugarisa vanhu vane mamiriro emari akasiyana, nhoroondo dzechikwereti, kana mhando dzezvivakwa zvisina kujairika.

Mhando dzeZvikwereti Zvemba Zvisina kujairika

1. Mbereko-chete Mortgages:
   • Tsanangudzo: Vanokwereta vanobhadhara chete mubereko pachikwereti kwenguva yakatarwa, kazhinji makore ekutanga embavha.
   • Kukodzera: Yakanakira avo vari kutsvaga yakaderera yekutanga kubhadhara pamwedzi uye kuronga kutengesa kana kudzorera mari yekutanga nguva yekubhadhara isati yatanga.
2. FHA 203(k) Zvikwereti:
   • Tsanangudzo: Federal Housing Administration (FHA) zvikwereti zvinosanganisira mari yekuvandudza imba kana kugadzirisa.
   • Kukodzera: Yakakodzerwa nevanotenga imba vari kutsvaga kutenga inogadzirisa-yepamusoro uye nekubhadhara mutengo wekugadziridza muchikwereti.
3. USDA Zvikwereti:
   • Tsanangudzo: Zvichitsigirwa neDhipatimendi Rezvekurima reUS, zvikwereti izvi zvine chinangwa chekusimudzira varidzi vemisha vekumaruwa.
   • Kukodzera: Inokodzera vanhu vari kutenga dzimba munzvimbo dzakakodzera dzekumaruwa dzine mihoro iri pakati nepakati kusvika yakaderera.
4. Zvikwereti zveBridge:
   • Tsanangudzo: Zvikwereti zvenguva pfupi zvinovhara musiyano uri pakati pekutengwa kweimba itsva nekutengeswa kweyazvino.
   • Kukodzera: Kunobatsira kune avo vari munguva dzekuchinja, sekutengesa imba imwe uye kutenga imwe.
5. Zvikwereti Zvisina-Kufanirwa Mortgage (Isiri-QM):
   • Tsanangudzo: Zvikwereti zvisingaenderane neQualified Mortgage (QM) maitiro, kazhinji akagadzirirwa mamiriro asina kujairika.
   • Kukodzera: Inokodzera avo vane mari isiri yechinyakare kana yakasarudzika mamiriro emari.

Zvakanakira uye Zvakaipa zveUsingawirirani Zvikwereti Zvemba

Pros

1. Kuchinjika:
   • Zvakanakira: Zvikwereti zvemba zvisina kujairika zvinopa kuchinjika maererano nemaitiro ekukodzera, zvichiita kuti muridzi wemba awanikwe kune ruzhinji rwevanhu.
2. Tailored Solutions:
   • Zvakanakira: Zvikwereti izvi zvinogona kugadzirwa kuti zvienderane nezvinodiwa chaizvo, senge mari yekugadziridza, kutenga zvivakwa zvekumaruwa, kana kugarisa mari isiri yechinyakare.

Cons

1. Kukwira Kwemitengo:
   • Zvakaipa: Zvimwe zvikwereti zvisina kujairika zvinogona kuuya nemhindu yepamusoro kana mubhadharo, zvichikonzera kuwedzera kwemitengo yekukwereta.
2. Risk Factors:
   • Zvakaipa: Zvichienderana nerudzi rwechikwereti chisina kujairika, panogona kuve nenjodzi dzakakwirira dzine chekuita, dzakadai sezvingango gadziridzwa mubereko kana maitiro chaiwo ekukodzera.

Chikwereti Chemba Chisina Kurongeka Yakakukodzera Iwe Here?

Pfungwa

1. Mamiriro Emari:
   • Ongororo: Ongorora mamiriro ako emari, kusanganisira mari, nhoroondo yechikwereti, uye zvinangwa zvemari zvenguva refu.
2. Rudzi rweNzvimbo:
   • Ongororo: Funga nezverudzi rwechivakwa chauri kuda kutenga, sezvo zvimwe zvikwereti zvisina kujairika zvingave zvakakodzerwa nemhando dzezvivakwa.
3. Risk Tolerance:
   • Ongororo: Ongorora kushivirira kwako kwenjodzi uye kuti wakasununguka here nechero shanduko inogona kuitika mumitengo yemubereko kana mitengo yakabatana.
4. Kubvunzana:
   • Kurudziro: Bvunza nenyanzvi yemortgage kuti uongorore huwandu hwakazara hwesarudzo dzisina kujairika dzechikwereti uye ugamuchire zano remunhu zvichienderana nemamiriro ako.

Mhedziso

Zvikwereti zvemba zvisina kujairika zvinovhura mikova yekuva muridzi wemba kune avo vane mamiriro ezvinhu asingaenderane nezvinodiwa zvechivanhu zvembavha.Nepo zvikwereti izvi zvichipa shanduko uye mhinduro dzakagadzirirwa, zvakakosha kuti unyatso kuyera zvakanakira nezvayakaipira, uchifunga nezvemamiriro ako emari, rudzi rwepfuma, uye kushivirira njodzi.Kubvunzana nenyanzvi yemba yemba kunogona kukupa ruzivo rwakakosha uye kukubatsira kuona kana chikwereti chemba chisina kujairika chiri iyo nzira chaiyo yekuzadzisa zvinangwa zvako zvevaridzi vemba.Rangarira, kiyi yekutsvaga chikwereti inoenderana nezvido zvako zvakasiyana uye inokuisa munzira yekubudirira mwene wemba.

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.