Izvo zvinhu zvinowanikwa semari inowanikwa here?
Kwete. Ashera pachavo haisi kuverengwa semari, kunyange zvakadaro, chero mari inowanikwa iyo inowanikwa inowanikwa inowanzonzi painenge ichigadzirisa kukosha kwekuwana kweimba.
Dhipatimendi reUnited States re Housing neUugust Development (HUD) rinotsanangura pfuma se "zvinhu zvinokosha zvingashandurwa kuva mari." Zvinonyanya kukoshesa pfuma yako, zvisinei, hazvikwanisi kuva nhumbi. Mienzaniso yakajairika inosanganisira zvipfeko, midziyo, motokari , chindori chechichato (kana zvimwe zvishongo zvisingaiti sezvinoitwa mari), uye motokari dzakagadzirirwa vanhu vane hurema.
Zvakakoshawo kuziva kuti kubhadhara mari yemari, yakadai senhaka, inishuwarenzi yekugadzirisa, kana inowanikwa kubva kutengesa kweimba kana imba inowanzoonekwa semafumi, asi mari dzepanguva dzinenge dzichiverengwa semari inowanikwa. Kana muridzi weimba yakaderera mari muhomwe yekwereti yekwereti ane nhanho yakakwana yekukunda lotto, somuenzaniso, kubhadhara mari yehomwe yemubayiro inogona kuve sechinhu chakanaka, asi nguva dzekubhadhara dzinofanira kuonekwa semari.
Sezvauchaona, pane musiyano mukuru mune zvinoitika zvezvinhu zvakapesana nemari pamhuri yakakodzera. Kana muridzi wekodha ane zvigadzirwa, mutariri weimba achada kuziva kukosha kwezvinhu izvi pamwe chete nemari yemari inobereka, kana iripo.
Mutungamiri anofanira kunge achiwedzera kukosha kwezvinhu zvose zveimba. Kana iyo yose iri $ 5,000 kana zvishoma, ipapo mari chaiye yezviwanikwa izvo zvinobudiswa. Zvisinei, kana iyo yose yakakura kudarika $ 5,000, kune imwezve kuverenga yekuita.
Mutungamiri anofanira kuwedzera kukosha kwechinhu chakanaka ne00 (kuratidza huwandu hweHUD yokupfuura mabhuku ekuchengetedza kwemazana maviri) kuti aone "mari inoshandiswa." Kana nhamba iyi yakawanda kudarika mari chaiyo yeimba yemari, inosanganiswa panzvimbo. (Cherechedza: Pane chimwe chinhu chinopesana nemutemo uyu : Kana muridzi wekugara ari kugamuchira BMIR (Pasi Pemari Inotora Mutengo) rubatsiro, saka hapana mari inotorwa inotorwa.)
Sekukurumidza, muenzaniso wakajeka, taura kuti mhuri yeSmith ine imwe yefa inenge ye $ 5,000 mari yakavanzwa mubhokisi pasi pemubhedha. Imba yaJones iri mumamiriro ezvinhu akafanana, zvakadaro, vane $ 6,000 mumari. Mutungamiri wepaimba aizotora $ 0 semari inobva kuzvinhu zveSmith uye $ 120 semari inowanikwa kubva kuzvinhu zveimba yeJones (kureva, maviri kubva muzana ye $ 6,000). Iyi ndiyo mhindu yemari yaJones ingadai yakagamuchira kana yakange iri mune account yekuchengetedza.
Vashandi vekubhadhara mari yakaderera pamutengo wekwereti yemutero vanofanira kuva nechokwadi chekuti vangave vasina chavo chekuti vangaita sevari ivo pachavo. HUD inoda vatungamiri kuti varege kuverenga zvinhu zvisiri "zvakagadzirwa" neavo vanoita, kunyange kana zviri muzita romunhu iyeye. Iyi ndiyo mhaka kana iyo yefa (uye chero ipi zvayo inowana mari) inowedzera kubatsira kune mumwe munhu (asiri chikamu cheimba) uye munhu iyeye ndiye ane mutero wemitero inobhadharwa inowanikwa pamari inowanikwa nemari.
Pakupedzisira, kana muridzi wemugove achigovana pfuma yevamwe vanhu (kwete chikamu cheimba), zvino mutungamiri anofanira kunge achigadzirisa chikamu chemugari weyo (pfungwa yakafanana yekupa mari yakawanda). Semuenzaniso, kana Jane akaenzana nemukana wekusakosha mari yakawanda (yakachengetwa nekuda kwekutsvaga mari) nehanzvadzi yake, uye kukosha kwekuunganidza ikozvino kunokwana $ 3 500, ipapo $ 1,750 inofanira kuverengwa semafambisi eJane (anomiririra 50% mumusangano).