Makumi gumi apfuura, vese vasiri pamudyandigere vaitarisira pamudyandigere vaine tarisiro. Izvi, zvisinei, zvakasiyana mumakore achangopfuura, sezvo vanopfuura 50 muzana vari kutya kuti havazokwanisi kurarama upenyu hwomutambarakede pashure pokurega basa.
Dzimwe nhamo dzemudyandigere dzavanotya dzinosanganisira kudhura kwezveutano, kuwedzera inflation, kushaya mari, uye chikwereti chakawandisa.
Kufunganya pamudyandigere kwakaipisisa kune vanhu vane mari dzemondi. Kunyange zvazvo vamwe vachikwanisa kubhadhara chikwereti chemba, vanotya kushaya mari mushure mekubhadhara.
Nekune rimwe divi, kubhadhara kwekutanga kwemondi kwakanakira vamwe chete.
Nzira yekuziva kana kubhadhara chikwereti chekare kare
Kuti zvine musoro here kubhadhara chimbatidzo nekukurumidza zvinoenderana nemari yaunowana, saizi yembavha, chirango chekubhadhara kare, kuchengetedza, uye kubviswa kwechimbadzo chemba.
Kubhadhara mari yemba nemari yaunowana uye mari yauinayo kunogona kupedza homwe yako yemudyandigere. Unogona kutadza kubhadhara mari dzekukurumidzira uye mabhiri ekurapwa. Nekudaro, zvakangonaka kubhadhara imba yemba kana uine yakawanda inokwana yekubhadhara imba uye mari yekugara.
Kana mari yako yaiswa mune zvemari uye Return On Investment (ROI) ishoma pane yako yemubereko wemba, kubvisa mari yako kubhadhara chikwereti chinogona kunge chiri sarudzo yakanaka.
Kune akawanda mabhenefiti anouya nemuridzi wemba, uye chimwe chazvo mukana wekubvisa mari yako yemubereko yemumba pamitero yako. Kubhadhara chikwereti chako kunoreva kuti haugone kunakidzwa neropafadzo iyi.
Zvichakadaro, pane dzimwe nzira dzekubhadhara chikwereti chako nekukurumidza pasina kupedza mari yako yekurega basa.
Reverse mogeji
Reverse mortgage chikwereti chemba chinowanikwa kune varidzi vedzimba vane makore makumi matanhatu nemaviri zvichikwira. Zvinowanzoitika kune vanhu vakabhadhara mari yavo yembavha, sezvo chikwereti chakavakirwa pachiyero cheimba yako.
Chikwereti chinogona kubvisa chikwereti uye hachidi kubhadhara pamwedzi. Inobhadharwa kana mukwereti asingachagari mumba.
Zvichienderana nechikwereti chako chazvino, reverse mortgage inogona kukupa iyo liquid equity, iyo yaunogona kushandisa kuti uwane mari yekukurumidzira uye mabhiri ekurapa panguva yekuenda pamudyandigere. Shandisa a Reverse mortgage Calculator kufungidzira kuti imarii yaunokodzera kukwereta kuitira kuronga kwakakodzera.
Imba Yechikwereti Chikwereti
Chikwereti chekubhadhara imba chinogona kunge chiri sarudzo yakanaka kune varidzi vemba vakabhadhara chikamu chakati wandei chemukuru wavo wemba.
Sezvo imba yacho ichiwana chikwereti, kazhinji ine mubereko wakaderera kana ichienzaniswa nezvikwereti zvisina kuvharwa.
Iwe unogona kushandisa chikwereti kubhadhara chikwereti chako chiripo uye mari yasara kubhadhara yako pamudyandigere.
Nguva yechikwereti inowanzoita makore makumi maviri, asi kusiyana nereverse mortgage, unofanirwa kubhadhara pamwedzi.
Mortgage kushivirira
Mortgage forbearance chibvumirano pakati pemukweretesi neanokwereta ari kusangana nedambudziko remari kana kurasikirwa.
Munguva yekuregererwa kwechikwereti, mukweretesi achambomira kubhadhara kwako pamwedzi kwenguva yechibvumirano, mushure mezvo iwe unogona kubhadhara mari yose yakapotsa uye kutangazve kubhadhara nguva dzose pasina chirango.
Vamwe vanokweretesa vanogona kubvuma kudzikisa muripo wepamwedzi panguva yechikwereti chechikwereti panzvimbo yekumbomira zvachose.
Isarudzo yakanaka kune vanhu vane mari yavo yakasungirirwa mukudyara, vachangobva kurasikirwa nemari, kana vane imba yakakuvadzwa nenjodzi dzinongoitika dzoga.
Refinancing
Mortgage refinance iri kutora chikwereti chitsva chemondi kutsiva chiripo. Chinangwa chinowanzova chemitengo yakaderera uye mazwi echikwereti akareba. Kuti ukwanise kuwana refinance, iwe unozoda yakakwana imba yakaenzana. Home equity ndeyako kukosha kwemusha zvichibva pakufungidzira kwazvino pamusika kubvisa mari yauchiri kukwereta pachikwereti chemba.
Nyanzvi dzinokurudzira refinancing kana ichigona kuderedza chiyero chako nechikamu chimwe chete muzana. Chimwe chinhu chekufunga nezvacho inguva yenguva iyo ichakutora iwe kuti usvike pakuzorora-kunyangwe poindi mushure mekugadzirisa.
Iwe unogona zvakare kubhadhara mari kuti uwane nguva yakareba yekurerutsira mukurega basa. Izvi zvinoderedza mubhadharo wako wepamwedzi uye kukupa mari yakakwana yezvimwe zvinoshandiswa. Nekudaro, izvi zvinogona kureva kuti iwe uchabhadhara imwe mubereko kana iwe ukaverenga iyo yakazara kubhadhara mushure menguva nyowani yechikwereti.
Funga nezve refinancing cons, sekuwedzera mari, usati wasarudza iyi sarudzo.
Dzokorora chikwereti chako
Mortgage recasting, kana remortization yechikwereti, inogadzirisa chikwereti chako chemari yekubhadhara yakaderera pamwedzi.
Iri zano rinoshandiswa kana uine mubhadharo wakakura ungangoda yakawanda kubhadhara chikwereti. Mushure mekuita mubhadharo wakakura, unogona kutaurirana nemukweretesi kuti uderedze mubhadharo wepamwedzi mushure.
Zvinowanzoita pakati pe $200 ne $300 kuti udzore chikwereti chako. Kana zvikaitwa nemazvo, kurerukirwa uye runyararo rwepfungwa zvinoperekedzwa nekubhadhara kwakaderera pamwedzi kunodarika mari yekudzorerazve imba.
Bvisa mortgage insurance.
Zvimwe zvakajairwa uye Federal Housing Administration (FHA) zvikwereti zvinotsigirwa zvinoda mortgage inishuwarenzi. Izvi zvinogona kuwedzera zvakanyanya mubhadharo wepamwedzi wega wega.
Mortgage inishuwarenzi inodzivirira vanokweretesa kubva mukurasikirwa nemari kana ukatadza. Pazvikwereti zvinotsigirwa neFHA, unobhadhara mari yeinishuwarenzi yepamwedzi yemortgage (MIP), ingangoita 0.15% kusvika 0.75% yemari yechikwereti pagore.
Iwe unogona kugadzirisa chikwereti chako kune chikwereti chekare kuti ubvise FHA mortgage inshuwarisi.
Saizvozvo, vanotenga dzimba vasingakwanise kuita makumi maviri muzana mubhadharo wepasi pezvikwereti zvakajairwa vanozofanira kubhadhara yakavanzika mortgage inishuwarenzi (PMI). Gore ra20 risati rasvika uye panguva yeCOVID-2017 denda, PMI yaive yakabviswa mutero, asi kwete zvakare.
Kana uchikwanisa, bhadhara chikwereti chako kusvika ku78 muzana yemutengo wepamba wekutanga kubvisa PMI. Varidzi vedzimba vanogonawo kuwana kuongororwa kutsva kweimba yavo, kunyanya kana kukosha kwemba kwakaongwa kubva pavakatora chikwereti.
Kurenda makamuri asina kushandiswa
Iyi nzira ndeyevamwe chete. Kutanga, iwe unofanirwa kuve nenzvimbo yakakwana uye imwe yekuwedzera iwe yaunogona kuhaya. Izvi zvinogona kureva kushandura imba yepasi pemba yako kuita imwe imba yakasiyana. Zvaizobatsira kana iwewo wakasununguka kugara nemumwe munhu.
Zvakare, kukurukura izvi nemukweretesi wako uye kutsvaga mitemo yekurojesa yekugara munharaunda yako inokurudzirwa.
Mari yekuwedzera kubva pakurenda imba yako yausiira inogona kushandiswa kuwedzera mubhadharo wako wepamwedzi weimba. Izvi zvinoreva kuti iwe unokwanisa kupedzisa kubhadhara kwako kwemondi kare. Ndokumbirawo kurukura izvi nemukweretesi wako usati wawedzera mubhadharo wepamwedzi kuti uone kuti haukwezve chero mutongo.
Ngatitii mari yacho inoenderera mberi mushure mekupedza kubhadhara imba yako. Muchiitiko ichocho, unogona kubhadhara mararamiro ako ekurega basa uye kubhadhara mari yekurapa.
