Kufambisa Zvikwereti Zvepamba Pasina Nhoroondo Yebasa muUS

Kutenga imba chinhu chakakosha muhupenyu hwemunhu wese, asi kuwana chikwereti chemba kunogona kuve basa rakaoma, kunyanya kana uine.Hapana nhoroondo yebasa. Nepo vakweretesi vechinyakare vachiwanzoda humbowo hwemari yakagadzikana, pachine nzira dzekutora chikwereti chemba isina nhoroondo yebasa. Ichi chinyorwa chinoongorora nzira dzakasiyana uye matipi ekukubatsira iwe kufamba munzira yechikwereti chemba pasina rekodhi rekodhi rebasa.

Kunzwisisa Dambudziko

Kana ukanyorera chikwereti cheimba, vanokweretesa vanowanzo ongorora kugona kwako kubhadhara chikwereti. Basa rakagadzikana rine mari inoenderana ndicho chinhu chakakosha pakuongorora uku. Zvakadaro, kusave nenhoroondo yebasa hakungoite kuti urege kupihwa chikwereti chemba. Vanokweretesa vachatarisa zvimwe zvemamiriro ako emari kuti vaone kukwereta kwako.

Alternative Income Sources

Kana usina nhoroondo yebasa, zvakakosha kuratidza mamwe mabviro emari. Izvi zvinogona kusanganisira:

1. investmentIncome: Zvikamu, mubereko, kana mari yekurenda inogona kutariswa.
2. Kuzvishandira: Kana iwe uchimhanyisa bhizinesi rako wega, ipa yakadzama zvirevo zvemari uye mutero unodzoka.
3. Spousal Income: Kana mumwe wako aine mari yakagadzikana, mihoro yavo inogona kuiswa muchikwereti chikumbiro.
4. Pension kana Retirement Funds: Nguva dzose kubhadhara kubva kumaakaundi ekurega kunogona kushandiswa sehumbowo hwemari.

Kuvaka Yakasimba Yezvemari Profile

Pasina nhoroondo yebasa, unofanirwa kusimbisa dzimwe nzvimbo dzehupfumi hwako:

• Credit Score: Chengetedza kiredhiti yakakwira nekubhadhara zvikwereti uye kubata chikwereti zvine hungwaru.
• Down Payment: Mubhadharo wakakura wepasi unoderedza njodzi yemukweretesi uye inowedzera mikana yako yekubvumidzwa.
• Savings: Huwandu hwakakura hwekuchengetedza hunoratidza kugadzikana kwemari uye kugona kubhadhara mari yembandi.

Kutsvaga Vasiri Vechivanhu Vanokweretesa

Mabhangi echinyakare anogona kunge aine zvinodiwa zvakasimba, asi kune vasiri vetsika vanokweretesa vanonyanya kushanda nevanhu vasina nhoroondo yebasa. Ava vanokweretesa vanogona kupa mamwe mazwi anochinjika asi kazhinji pamitengo yepamusoro. Zvakakosha kuenzanisa vakweretesi vakasiyana kuti uwane dhiri yakanakisa.

Zvirongwa zveHurumende

Hurumende yeUS inopa zvirongwa zvakati wandei kubatsira vanhu kuchengetedza zvikwereti zvemba:

• FHA Zvikwereti: Inotsigirwa neFederal Housing Administration, zvikwereti izvi zvine zvakawanda zvinodiwa.
• VA Zvikwereti: Inowanikwa kune veterans uye anoshanda-basa basa nhengo, zvikwereti izvi hazvidi kubhadharwa.
• USDA Zvikwereti: Yakagadzirirwa vanotenga dzimba dzekumaruwa, zvikwereti izvi zvinopa mubereko wakaderera uye hapana muripo.

Mhedziso

Kuwana chikwereti chemba pasina nhoroondo yebasa muUS zvinonetsa asi hazvigoneke. Nekuratidza mamwe mabviro emari, kuvaka chimiro chemari chakasimba, kuongorora vakweretesi vasiri vemazuva ano, uye kufunga nezvezvirongwa zvehurumende, unogona kuwedzera mikana yako yekuwana chikwereti chemba. Rangarira, mukweretesi wega wega ane maitiro akasiyana, saka zvakakosha kuti utengere uchitsvaga iyo inonyatsoenderana nemamiriro ako. Nekushingirira uye nenzira kwayo, unogona kuzadzisa chiroto chako chekuva muridzi wemba kunyangwe pasina nhoroondo yechinyakare yebasa.

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.