Nzira yakakurumbira yekubhadhara chirongwa chikuru chekuvandudza pamba iri nembairo yekodzero yeimba kana mutsara wechikwereti kana neFHA 203 (k) chikwereti . Nzira yakakurumbira yekubhadhara mapurojekiti mashomanana mari: kana kukwevera mari kubva pakuchengetedza kana frog-kusvetuka kubva kune imwe-kwete chikwereti kadhi rechikwereti kune imwe.
Asi chimwe chakavanzika-uye chinonakidza-rudzi rwemari inodhura mari yekugadzirisa zvikwereti hazviuyi kuburikidza nehurumende yehurumende kana yevateresi.
Icho chinobva kune iyo sangano inowanzobatanidzwa nekutama, mitero yemitengo, mabhizimisi, migwagwa, uye matare: nzvimbo yako yehurumende hurumende.
Zvakanakisisa zvose, zvimwe zvezvikwereti izvi hazvina kufarira zvachose.
Ndezvipi Zvirongwa?
Mazita akasiyana kubva munharaunda kusvika kumatare, asi anowanzoenda pasi pezita reIndaneti Improvement Program ("HIP"), kugadziriswa kwemusha / kuvandudza rubatsiro, kana zvimwe zvakasiyana.
Pasi pezvirongwa izvi, iwe unotora chikwereti chezvinangwa zvekuvandudza kumba, uye nhengo dzinobvumirana kuti dzibatsire chikwereti chako.
Mari Mari Yaunogona Kuiponesa
A yakawanda mari. Nhamba yaunoponesa yakawanda zvokuti, kana iwe uchikodzera, inotofanira kubhadhara tepe-tape inoshandiswa mukushandisa.
Mune imwe mamiriro ezvinhu akafanana, rimwe divi rinogona kutsigira 3% yemutengo wako wechikwereti. Mune imwe mamiriro ezvinhu, chikwereti chingatove che 0%.
Ngatishandise nhamba dzekutanga, chikwereti chinotsigirwa chikamu. Uyu muenzaniso wemakore mashanu wemari $ 50,000 chikwereti chinofanidza mari yako uye uye pasina chikwereti chekuderera kwe 3%.
- Pasina mubhadharo : Kufungidzira 8% yekutambira kwekutora, iwe uchabhadhara anenge $ 1013 pamwedzi. Zvose zvinodiwa ndeye $ 10,829.
- NeRubatsiro : Nenharaunda imwechete yekutambira inoderedzwa ne3%, iwe uchabhadhara mari inenge $ 944 pamwedzi, kuitira kuchengetedza kwema $ 70 pamwedzi. Zvose zvinodiwa ndeye $ 6 614.
Nokubvisa chikwereti cheHIP-style, iwe ungadai wakachengetedza madhora mazana mana nemakumi mana nemakumi maviri nemakumi mashanu.
Sei Mazano Anoita Izvi?
Matare ane mvumo yekushandira vagari vemo, kunyanya mhuri dzine mari shoma. Pakawanda, matare anofarira kuchengetedza kukosha kweimba yekugara. Apo imba yekugara inoderera, huwandu hwehupenyu hunofa. Pakupedzisira, kupa zvikwereti izvi zvinotungamirira mhepo yemari nekubatsira kuvaka zvigadzirwa zvinoumba mabasa.
Iwe Unoshandisa Sei?
Tanga matanho nekushandisa kuburikidza nemunharaunda yako. Dunhu racho rinogona kukuendesa kune chikwereti chemunharaunda, panguva iyo iyi inogona kuva mvumo yekugara yemari yakakwana kana HELOC inotsigirwa nehurumende.
Ungakwereta Zvii?
Chimwe chikwata chekubhadhara chiri pedo ne $ 25,000 kusvika ku $ 50,000. Hazvisi nyore kuwana HIP zvikwereti mumatanhatu matanhatu.
Zvikanganiso Nezvinodiwa
Hapana chimwe cheizvi chinouya pasina, kunyange zvakadaro. Nzira "dzinobata" dzinosanganisira:
- Mari yako yegore roga roga inofanira kunge iri pasi pemimwe muganhu. Chimwe chinowanikwa (King County, Washington) ndeche $ 64,400 yemhuri yevana.
- Imba yako inofanira kuyerwa pasi pemumwe muganhu.
- Iwe unofanira kutendera purogiramu purogiramu kuti iongorore purojekiti.
- Zvose munharaunda yemitero inofanira kubhadharwa zvakakwana.
- Iwe haugoni kushandisa mari kubhadhara zvimwe zvikwereti, kunyange kana zvikwereti izvi zvakabatana neimba.
- Iwe haugone kushandisa mari yemari yekubhadhara kuti ubhadhara mapurojekiti anotanga nguva isati yasvika iyo iyo mvumo yeHIP inogamuchirwa.
- Iwe unofanira kuzadzisa purojekiti mune imwe nguva nguva, yakadai segore rimwe.
Zvinhu Zvausingagoni Kushandisa Mari Yekuda
Kazhinji iwe unorega kubhadhara mari yekuchengetedza zvigadzirwa zvepamusoro, zvakadai semakungwa ekuzorora, satani ndiro, hot tubs, decks, nezvimwe.
Mamwe magwaro akaisa miganhu pamhando yemidziyo yaunogona kutenga nechokukweretesa, zvichibvumira chete zvachose (vira rinopikisana nefriji, somuenzaniso). Dzimwe nguva "mararamiro" anototambanudzwa kunosanganisira kugadziriswa kwekicheni , masvingo, nekugadzira garaji.
Uyewo, zvikwereti izvi ndezvekugadzirisa zvivako, kwete kutenga zvinhu zvitsva kana kuvaka mari. Cherechedza, zvisinei, kuti dzimwe nzvimbo dzine mapurogiramu akafanana ekubatsira varidzi vepamba kutenga zvinhu.
Kwatingawana Aya Mapurogiramu
Hazvivimbiswi kuti nzvimbo yako ichaita iyi purogiramu. Vamwe vanoita; vakawanda havaiti.
Tanga newebsite yako yenharaunda. Kubvira ipapo, inogona kunge iri pasi pemasangano ehuruzhinji, dzimba, kana hutungamiri hwemunharaunda. Kana uchitsvaga munharaunda, shandisa mazwi okuti "kuvandudza kweimba," "HIP," kana kuti "rubatsiro rwekugadzirisa."