Zvinhu zvizhinji pamusoro pekugadzirisa zvekumba zvinogadziriswa. Iwe unogona kugara uchishandura mavara emadziro kana kusongedza rusvingo imwe imwe masendimita matanhatu. Asi chimwe chinhu ndechechokwadi: unoda mari. Hapana mbambo imwe chete inowana nyundo kana peX line yakaiswa kana tambo inomhanya kana nheyo yakadururwa pasina mari.
Heano ndiyo nzira dzinonyanya kufanirwa yekubhadhara mari yako yekugadzirisa, kubva kune inonyanya kudiwa kusvika zvisingakoshi.
1. Cash uye Liquid Assets
Mari inowanikwa nyore nyore iwe unogona kuva nayo: kuchengetedza, kuongorora, mabhuku eCD uye kuchengetedza pedyo nekukura.
Cash isiri yakachena, yakasununguka nzira yekubhadhara basa rako, sezvo iwe usingaoni kune chikwereti.
Pros
- Hapana kufarira, hapana mari, pasina mhaka.
- Iwe hausi kuvimba nomumwe munhu.
- Mari yekubhadhara inokurumidza; hapana chikonzero chekumirira chero ani zvake kuti awane mari iyi.
Cons
- Inotora chero mararamiro aungave nawo.
- Vanhu vakawanda havana mari yakawanda inowanika kumapurogiramu makuru, akadai sekuwedzera uye nzvimbo yakazara yekugadzirisa.
Pasi pepamusoro : Cash nemafuta emvura ndiyo nzira yakanakisisa yekubhadhara mapurojekiti ako - asi chete kana uine zvakawanda zvokurega. Dzimwe nhoroondo dzekurega mari dzinokubvumira kubhadhara imwe yezana yepamukira.
2. Shingai Equity
Une shamwari ipi neipi yemhuri here? Nokuda kwemutengo wematanhatu matanhatu uye pizza yekutora, vanogona kukubatsira kuti uise mukana wekutsvaira muurongwa hwekugadzirisa.
Pros
- Basa rakazara zvachose.
- Kugutsikana kuva ne 100% kutonga kweprojekti yako.
Cons
- Chero basa chete rakasununguka; iwe unotofanira kubhadhara zvinhu.
- Kana ruzivo rwekudzidza ruchibatanidzwa, ruchiri kuve rwusina kudhura nekukurumidza kuhaya vashandi.
Pasi Pasi : Dzimwe kutuka zvakaenzana hazvidziviriki, uye kunyange zvinogona kufara, asi usatambanudza kana iwe usina chokwadi nezveunyanzvi hwako.
3. Zero-Interest Home Remodeling Loans
Kuvandudza Purogiramu Kwemusha (kana kuti "HIP") zvikwereti kubva kunharaunda yako hazvisi zvikwereti zvikwereti zvekuvandudza, asi zvinoswedera pedyo.
Matare uye mamwe masunharaunda achapa rubatsiro kune vamwe kana kuti zvose zvekufambisa pane chikwereti chako chekugadzirisa kuitira kuti uchengetedze kuchengetedza nzvimbo yekugara.
Mune imwe nyaya inosanganisira makore mashanu, $ 50,000 8% chikwereti icho chinotsigirwa 3% kuburikidza neHIP, mari yako yose yekuchengetera inenge iri $ 4 215.
Pros
- Zvekuda mari isina mari muchimiro chekubhadhara chikwereti chechikwereti chako - rubatsiro rwausingafaniri kuripa.
Cons
- Mari iyo inowanzoiswa pakati pe $ 25,000 ne $ 50,000.
- Imitero yemitoro ichiripo inofanira kubhadharwa newe, kusanganisira mitero yakakwirira inouya semubairo wekuvandudza kweimba yako.
- Yakawanda-tape tsvuku inobatanidza nekuwana rubatsiro urwu, kusanganisira kuongorora purojekiti, nguva yewindo yekupedzisa, uye tsanangudzo shomanana yemapurogiramu ane chokuita neimba (somuenzaniso, dzimba dzokushambira, moto unotapira, zvidhinha, nezvimwe zvinhu zvepamusoro-soro hazvina mari ).
Pasi Pasi : HIPs haisi yeimba yega yega. Asi kana iwe uchikodzera, iyo isingatenderwi.
4. Kubhadhara Kwemari Kutengeswa kana Mutsara weKwereta (HELOC)
Imba yekukweretesa yemusha ndiyo nzira yekutanga yekubhadhara mari yekuvandudza imba. Bvisa chikwereti pamusoro pehutano mumba mako.
Pros
- Mari yakawanda yemari inogona kuwanika kune mapurogiramu makuru akawedzera.
- Nharaunda yepamusoro yekutengesa kudarika chikwereti chemunhu uye makadhi emakadhi
Cons
- Kana iwe uchiramba uchideredza kuenzana kwako, unoderedza mari yaunogamuchira apo pakupedzisira uchitengesa imba.
- Iko mari yakawanda inowanikwa nekwereta iyi inokurudzira kushandisa mari kune zvinhu zvisingaenderani nekugadziridza.
Pasi pepamusoro : Targetera chikwereti ichi chete pamishonga mikuru, yakadai sekuwedzera, madziva, driveways, uye kubata.
5. Makadhi Makadhi
Kadhi rechikwereti chaunobhadhara pamagumo emwedzi mumwe nomumwe. Kana kuti chido-zero iwe haufaniri kuripa kwemwedzi mitanhatu kana gore. Vamwe varidzi vembavha vanobhadhara imwe kadhi-chido chekufarira pamwe chete nekadhi kadhi yekufarira, nokudaro vachigadzira chikwereti chisingagumi, asi chine ngozi, kwete.
Pros
- Mari inowanika nokukurumidza.
- Purogiramu dzinobatsira kana zvikomborero zvinokwanisika pane mamwe makadhi nekubhadhara matenga akawanda ane chokuita nekutenga.
Cons
- Dambudziko rekufarira uye mari.
- Ipa iwe pfungwa dzenhema yekuchengeteka iwe une mari yakawanda kupfuura iwe iwe chaizvoizvo.
Pasi Pasi : Nzira inonyengera yekubhadhara mari yekuvandudza imba, uye imwe inoda kutarisirwa nekuchengetedzwa.