Kushandisa rendi sechikwereti chemota
Hazvisi nani kushandisa chikwereti kutenga motokari?
Nemhaka yokuti mari yembavha inowanzove yakaderera pane yemari yemotokari, unogona kunge uchinetseka kuti ungashandisa sei chikwereti chako kutenga motokari.
• Dhirowazve
• Refinancing
Kudhirowa kubva muchikwereti chako
Kana uri kufambira mberi nemari yako yekubhadhara imba, unogona kunge wakaunganidza "stash pockets" yaungashandisa kubhadhara kutenga motokari yako. Pane zvese zvakanaka nezvakashata zvekufunga nezvazvo usati waita izvi.
Плюсы
Zvakanakira. Uchishandisa mari yako yepamba, unenge uchingove nechikwereti chimwe chete chenguva dzose, kwete maviri.
Kumhanyisa - Zvichienderana nemukweretesi wako, kudhirowazve kunogona kurongwa nekukurumidza. Kusiyana nekutora chikwereti kubva pakutanga, hauzodi kuona mari kana kugamuchira cheki yechikwereti.
Affordability - Kana iwe usingakwanisi kuisa parutivi mari yakawanda kubhadhara chikwereti chako izvozvi (somuenzaniso, kana mhuri yako yakaderedza mari kwenguva pfupi kusvika kune imwe), kushandisazve chikwereti kunogona kukupa mukana wekutenga motokari pasina kuwedzera yako. mari. mari shoma yechikwereti.
Минусы
Price. Nepo mubereko ungave wakadzikira, saizi yechikwereti uye mhedzisiro yemubereko wekomboni nekufamba kwenguva zvinoreva kuti unogona kunge uchibhadhara mari yakawanda nekubhadhara mota yako kuburikidza nechikwereti.
Nekudaro, iyi yekuwedzera mubereko inogona kuderedzwa nekuwedzera kubhadhara.
Ona muenzaniso uri pasi apa kuti uwane mufananidzo wekuti izvi zvinoshanda sei.
Kutsvaga
Kana iwe uchida kupatsanura mari yako kuitira kuti usarudze chaunobhadhara uye rinhi, kuwedzera mari itsva kumari yako yemba inodzikamisa izvi.
Muenzaniso:
Tafura iri pazasi inoratidza kuenzanisa kuri nyore kwechikwereti chemotokari (pamwe chete nemutengo wechikwereti chiripo) maringe nekugadzirisa kwemongi. Izvi zvakaitwa pachishandiswa karukureta yekubhadhara chikwereti.
Redraw A: Mushure mekunge mari yadzokororwa kutenga mota, chete mari shoma inoitwa pachikwereti. Mutengo wokuwedzera wemotokari, usingadzivisirwe nemiripo ipi neipi yokuwedzera, unoparira imwezve $11,500 mumhindu yembavha yose pamakore 20 asara echikwereti.
Redraw B: Nekuwedzera mari yechikwereti chako chemba mushure mekushandisa zvakanyanya pamotokari yako, unogona kudzivirira kubhadhara mari yakawanda yechikwereti chehupenyu hwechikwereti chako chemba.
Zvimwe zvinhu zvekufunga nezvazvo
• Mukweretesi wako anogona kukubhadharisa mari yekukweretesa zvakare (kazhinji kacho), kuseta mari shoma yekukweretesa, kana kuratidza kuti une mari shoma pamba pako (semu. 20%).
• Kana usati wataurirana patsva nezvemba yako, ungangoda kunyoresa kana kuseta mvumo.
Refinancing yako mortgage
Kana iwe uri kumashure kwekubhadhara chikwereti chako uye usina mari yekudzorerazve, unogona kutaura nemukweretesi wako aripo kana mutsva nezvekubhadhara chikwereti chako kuti uwane mari yaunoda kutenga motokari.
Zvingangotora nguva yakareba kuronga pane kudhirowa patsva. Mamiriro ako emari achaongororwa zvakare, kusanganisira kukosha kwemba yako zvichienzaniswa nemari yaunoda kukwereta. Izvi zvinogona kusanganisira kuongororwa kwenzvimbo neappraiser.
Плюсы
• Nzira yekubhadhara mari inogona kushanduka, sekuderedza mari yekubhadhara nekuwedzera nguva yechikwereti (asi izvi zvinogonawo kuwedzera mubereko wose).
Zvichienderana nechikwereti chako (uye nguva yakadii wakachiwana), unogonawo kuwana mubereko wakaderera kana zvimwe zviri nani pane zvigadzirwa zvazvino.
Минусы
• Mukweretesi wako wemba anogona kukubhadharisa mari yekudzorera zvakare. Inogona kunge yakakwira se $500, saka zvakakosha kuti utarise pachine nguva.
• Mari yako yechikwereti ichawedzera. Kana ukadzorera mari shoma, izvi zvinowanzokonzera kuwedzera kwehuwandu hwekufarira.
Zvimwe zvinhu zvekufunga nezvazvo
• Vazhinji vanopa zvikwereti vane zvirango zvekubhadhara chikwereti mumakore ekutanga, saka chengeta izvi mupfungwa kana uri kufunga nezvekuchinja vanokweretesa.
• Pane akati wandei akasiyana refinancing sarudzo dziripo. Tora nguva yekunyatsofunga nezvezvinangwa zvako kuti uve nechokwadi chekuti unoguma uine mhinduro yakawanda, kwete zvishoma, yakakodzera mamiriro ako!
• Kana ukakwereta zvakare kudarika mari yako yechikwereti chepakutanga, mutero wechitambi unogona kushanda.
ZANO: Kana uri kutenga motokari isingakwanisi kushandiswa sechibatiso, unogonawo kushandisa imba yako sechibatiso chechikwereti kuti uderedze mubereko wako (kunyangwe uchenjere kana ukasazadzisa mubhadharo wako!).
