08/14/2023

I. Kuchengeta Mari paChikwereti Chako Chekutanga Chemba
Kune vanokwereta vanobhadharwa, kuwana chikwereti chemba kekutanga isarudzo huru yemari.

Izwi rokuti "mutengi weimba kekutanga" rinowanzoreva mumwe munhu ari kutenga nzvimbo kekutanga, kana anga asina chero pfuma mumakore matatu apfuura.Kuti uri wekutanga kutenga imba zvinoenderana nenhoroondo yako yekuva muridzi wemidziyo.Heano mamwe maitiro aungashandisa kuona chimiro chako:

- Hauna kumbobvira uine chero chivakwa: Kana usati wambotenga chivakwa, unoonekwa seyekutanga kutenga imba.
- Hauna chero chivako mumakore matatu apfuura: Kunyangwe wakambove neimba, kana papfuura makore matatu kubva pawakatengesa imba, unogona zvakare kutorwa sewekutanga kutenga imba.
- Waingove nemidziyo nemumwe wako kare: Kana makanga makaroorana uye muine midziyo pamwe chete nemumwe wako, asi iye zvino mava kuroora uye hamuna kana midziyo uri wega, unogona kutorwa sewekutanga kutenga imba.

Aya anotevera maitiro anoshanda anogona kukubatsira iwe, semukwereti anobhadharwa, kuchengetedza mari:
Sarudza mhando yechikwereti chakakodzera: Zvikwereti zvinotsigirwa neHurumende, sezviya zvinobva kuFederal Housing Administration (FHA) neVeterans Affairs (VA), kazhinji zvine mibairo yakaderera uye zvishoma zvinodiwa mubhadharo.Pamusoro pezvo, AAA LENDINGS ine chigadzirwa chakagadzirirwa chaizvo vashandi vanotenga dzimba - WVOE.
Iwe unongoda fomu reWVOE kuti uverenge mari inokodzera, pasina chikonzero chemamwe magwaro emari.Uku kupusa kunoita kuti WVOE inakidze.Zvakare, kusiyana nezvimwe zvirongwa, WVOE haidi kuti vanyoreri vave nemidziyo yakakura.Details➡Chirongwa cheWVOE

Chengetedza chibodzwa chakanaka chechikwereti: Chibodzwa chako chechikwereti chine chekuita nemhindu yechikwereti.Vanyoreri vane zvikwereti zvakakwirira vanogona kazhinji kuwana mibairo yakaderera, iyo inogona kukuchengetedza mari yakawanda panguva yechikwereti.

Tsvaga mushandi wechikwereti ane nyanzvi: Zano rehunyanzvi rinogona kazhinji kukuchengetedza mari kubva kwakasiyana siyana.

Shandisa dzidzo yechikwereti uye masevhisi ekuraira: Masangano akasiyana-siyana asiri purofiti uye madhipatimendi ehurumende anopa dzidzo yemahara kana yemutengo wakaderera uye masevhisi ekuraira.Aya masevhisi anogona kukubatsira kuti unzwisise zvakasiyana-siyana zvezvikwereti, senge mubereko, mubhadharo, mazwi echikwereti, nezvimwe, zvichikubvumidza iwe kuita sarudzo dzakangwara.
II.Mapoinzi eKucherechedzwa muKukwereta Maitiro
Panguva yekukwereta, zvakare teerera kune anotevera mapoinzi:

Gadzira chikwereti chakanaka chisati chabvumidzwa: Kufanobvumidzwa kwechikwereti kunobatsira kuti unzwisise huwandu hwechikwereti uye mubereko unobvira pachine nguva, izvo zvinogona kukubatsira kujekesa bhajeti rako uye kugadzira hurongwa hwekutenga imba hunonzwisisika.
Chenjerera kunguva yechikwereti: Hurefu hwenguva yechikwereti huchakanganisa huwandu hwekubhadhara pamwedzi uye mari yese yemubereko.Zvakakosha kusarudza nguva yechikwereti chakakodzera zvichienderana nemamiriro ako emari.
Nzwisisa mazwi ese: Usati wasaina chibvumirano chechikwereti, iva nechokwadi chekunzwisisa uye kubvuma zvese zvirevo nemamiriro kuitira kudzivirira dambudziko risingakoshe gare gare.

III.Yakakodzera Zvikwereti Zvirongwa
Kune vanokwereta vanobhadharwa, mukuwedzera kuchirongwa chedu cheWVOE, isu tine QM Nharaunda Chikwereti inogonawo kubatsira, isina kuganhurirwa kune vanotenga imba kekutanga:

- Yese Rate Adjustments Waived (Freddie Mac Chete), kusanganisa 2-4 unit zvivakwa uye akabatanidzwa condos;
- Hapana Dzidzo Chidzidzo Chinodiwa;
- Iwe unogona zvakare kugamuchira imwe mukweretesi chikwereti;
- Hapana Income Limit;
- Yekutanga Yekugara Chete.
Details➡QM Community Chikwereti

Zvese mune zvese, kune vanobhadharwa vanokwereta, kuwana chikwereti chemba muUnited States hakusi kure.Chero bedzi iwe ukaita zvirongwa zvakanaka, kunzwisisa uye kushandisa zvese zviripo zviwanikwa, unogona kubudirira kuzadzisa chiroto chako chekuva muridzi 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.