Mhedziso yesarudzo dzechikwereti chemotokari
Iwo akasiyana siyana emari yemota sarudzo anotsanangurwa pazasi.
Iwe pachako chikwereti
Chikwereti chako pachako chinokutendera kukwereta chitsama uye kuita nguva dzose, kubhadhara kwakatarwa kuti ubhadhare. Sezvo mutemo wega wega, unogona kuparadzira mubhadharo kwenguva yegore rimwe kusvika kune manomwe. Iyo yakareba iyo temu, idiki iyo mari yenguva dzose yekubhadhara yaunoita.
Nechikwereti chako pachako, iwe kazhinji haugone kudzosera zvawakabhadhara (kunyangwe iwe wakabhadhara kupfuura iyo yakaderera inodiwa) uye, kusiyana nemutsara wechikwereti kana kadhi rechikwereti, haugone kushandisa chikwereti kune zvimwe kutenga.
Zvikwereti zvizhinji zvemunhu zvine hushoma hunokosha hunogona kubva pa$1,000 10,000 kusvika pa$25,000 XNUMX kusvika pa$XNUMX zvichienderana nemukweretesi. Tarisa zvakare huwandu - zvimwe zvikwereti hazvina muganho uye zvimwe zvinogumira kumadhora XNUMX XNUMX.
Zvikwereti zvemunhu zvinogona kuchengetedzwa kana kusachengetedzwa kana chinhu chichishandiswa sechibatiso chemari yechikwereti. Kana chikwereti chako chakachengetedzwa, izvi zvinogona kudzikisa mubereko wako uye kukanganisa huwandu hwako hwechikwereti. Zvikwereti zvemunhu zvakachengetwa zvakananga nemotokari zvinonzi zvikwereti zvemotokari.
Zvikwereti zvemotokari
Zvikwereti zvemotokari zvakafanana nezvikwereti zvemunhu, asi mota yaunotenga ndeye chibatiso chechikwereti (vamwe vanokweretesa vanogona kuidaidza kuti chikwereti chakachengetedzwa). Kuve nemota yako sechibatiso zvinoreva kuti kana ukatadza kubhadhara chikwereti chako, mota yako inogona kutorwa. Zvichienzaniswa nechikwereti chisina kuchengetedzwa, izvi zvinoreva kuti mibairo inogona kudzikira.
Kuti mota ive yakakodzera kuchengetedzwa, kazhinji inofanirwa kuzadzisa mamwe maitiro. Semuyenzaniso:
• Nyowani - Mota dzinogona kunge dziri itsva uye dzinotengwa chete kumutengesi. Zvikwereti zvemotokari itsva kazhinji zvine mubereko wakaderera.
• Yakashandiswa - inogona kuganhurirwa kumotokari dziri pasi pemakore manomwe ekuberekwa kune vamwe vanokweretesa, uye kumotokari zhinji dzakamboshandiswa, mari shoma yechikwereti inogona kukosha.
• Zvishoma - Zvikwereti zvishoma zvakachengetedzwa (mari yechikwereti, kwete mutengo wekutenga mota) inogona kubva pamadhora mana kusvika kumadhora gumi pazvikwereti zvemotokari.
Kana mamiriro ako ezvinhu asingakodzeri, bvunza mukweretesi wauri kufunga nezvazvo usati wanyorera.
Kadhi rechikwereti
Unogona kushandisa kadhi rechikwereti kutenga mota, uye vamwe vanokweretesa vanogona kutoikurudzira kana iwe uchida kukwereta pazasi pemari yavo yechikwereti, kunyanya kana vaine kadhi rechikwereti rakaderera mumusanganiswa wavo wechigadzirwa.
Kutenga motokari nekadhi rechikwereti kungasava kwakaipa sezvazvinonzwika. Dzidza zvakawanda pamusoro pezvakanakira nekuipira kutenga mota nekadhi rechikwereti.
Car ren rent
Kuhaya mota kwakangofanana nekurenda mota kwenguva yakati, nesarudzo yekuitenga pakupera kwekurenda kuti uwane mari inosara, kureva kuti, mutengo kana muzana zvinowanzobvumiranwa pachine nguva.
Kuhaya mota kunogona kubatsira kune:
• Vatengi vane mushandirwi wavo anopa mari yemuhoro wemotokari kuburikidza neNoved Lease.
• Mabhizinesi asingade kusunga mari akabata asset iri kuderera.
Dzidza zvakawanda pamusoro pekurenda muKufunga nezvekurejesa Mota.
Kutenga kwekutanga
Kutenga kwechikamu, dzimwe nguva kunonzi kutenga kwekutengesa rendi, isarudzo yekubhadhara mari apo muridzi wemari anotenga mota uye iwe unoirenda kubva kwavari kwenguva yakabvumiranwa. Sezvo nekubhadhara, iwe unogona kusanganisira mubhadharo wakakura pakupera kwechibvumirano, asi izvi hazvidiwi.
Kutenga kwekutanga kunoitirwa makambani kana vanhu vanoshandisa mota kuita zvekutengesa.
Mortgage yezvinhu zvinofambiswa
Mortgage pazvivakwa zvinofambiswa isarudzo yekubhadhara mari yemotokari inokodzera mabhizinesi uko mota yakatengwa (inofambiswa nzvimbo) inoshandiswa bhizinesi kupfuura makumi mashanu muzana yenguva.
Iyo kambani inobva yave muridzi wemota, pasina kuisa mari mukutenga, asi inogona kuramba ichitsvaga mabhenefiti emutero pamotokari. Iwe une sarudzo yekubatidza mubhadharo pakupera kwetemu kuti udzikise mubhadharo, asi izvi hazvidiwi.
