Yakagadzirwa pamba mari inoomeswa uye yakavhiringidza.
Panzvimbo yekushanda nemhando imwe yemari yekubhadhara, vanogadzirwa nevatengi vemusha vachada kunzwisisa zvikwereti zviviri zvakasiyana zvakasiyana siyana zvekubhadhara mari, kana michina, pamwe chete nemashoko anoshandiswa kune mumwe nomumwe.
Kunzwisisa nzira yekubhadhara mari yakagadzirwa , uye mazwi anoshandiswa panguva iyi ichawedzera mikana yako yekuwana zvakanakisisa kubata. Tichaenda pamusoro pemari mbiri dzekubhadhara dzinowanikwa kuti dzigadzirwe vatengesi vemusha, chaiyo pfuma, uye pfuma yega.
Real Real vs. Zvimwe Zvimedu
Misha yakagadzirwa inogona kukanganiswa nenzira mbiri - seicho chaiyo kana pfuma yako. Zita reimba yacho rinogadzira rudzi rwemari inowanikwa mumba. Pane zvikwereti zviviri - zvikwereti zvemuzinda zvekugara (kana zvikwereti) uye chattel chikwereti.
Imba chaiyo ndiyo inzvimbo imwechete iyo nzvimbo yakavakwa musha inogamuchira. Imba yakagadzirwa iyo inonzi iyo chaiyo yepfuma ichapiwa mari yepamutemo yemari kana mari yechikwereti kuburikidza nekwereta kana bhangi. Pane zvikwereti zvakasiyana-siyana kune chikwereti chemhuri chechikwereti chakadai semashoko akawanda emari yemari, kubhadhara mitero yakasarudzwa, uye kuderera kwechikwereti. Neimba itsva yakagadzirwa kuti iiswe seimba chaiyo inowanzofanira kuiswa zvachose pane imwe nyika iyo mutengi ari nayo.
Imba yakagadziridzwa yakagadziriswa inoreva kuti chimiro chave chakanyatsogadzirirwa kune nheyo kana pasi uye inosangana nevakagadziri, nyika, kana HUD zvishoma zvido.
Vanhu vakawanda havanzwisisi pfungwa yekugara nokusingaperi. Iyo ine zvishoma chaizvo zvingaita neyekugadzira zvinhu. Imba inogona kuita kuti chivharo kana kuti zvidhinha zvikwekwe uye zvisati zvisingagadziriswi zvachose kana tambo pasi kana zvingara zvisiri kushandiswa zvakanaka.
Pfuma Pamwechete ndiyo imwechete yerudzi rwekuti motokari kana mudziyo weimba unogamuchira.
Apo imba yakagadzirwa inoratidzirwa semugove wega, inobhadharwa nemari yekwereti. Izvo zvikwereti zvinogadzirwa pane zvinhu zvinoshandiswa uye zvinowanzoenda nezvikwereti zvepamusoro zvakadzama uye zviduku kunyange zvazvo mari inotarisirwa kutanga chikwereti inowanzopfuura kudarika mutsika. Izvi zvikwereti zvinowanikwa kumisha dzichaiswa panzvimbo inobhadharwa kana kuti yakabhadharwa.
Marikiti yeChattel inogona kuva yakaoma kuwana, saka vatengesi vanowanzopa mari yavo kuburikidza nekambani-vane mari yemasangano. Vanogonawo kuva nechendanho rezvinyorwa zvinokweretwa zvikwereti zvavanoshanda navo nguva dzose. Mutengi haafaniri kushandisa imwe chete; vanogona kutengesa chikwereti chavo chattel sezvavanenge vachida kutora chikwereti.
The Bottom Line
Mukuwedzera pakuve kwakaoma uye kuvhiringidzika, kugadzirwa kwemari yekugara kumba kunowanzosaruramisira nokuti masangano ehurumende akadai saFannie Mae naGinnie Mae vanochengetedza pfuma chaiyo mari yekutengesa havatauri zviyengeri zvakafanana zvekutengesa mari yechikwereti. Somugumisiro, zvikwereti zvekwereti, pasinei nokuti yakakwirira sei chikwereti chenhamba yako, haigoni kukwikwidzana nemitambo yekodhi yemari.
Kana iwe uine kwanisi yekuwana pfuma chaiyo yekutengesa, iwe ungada kuitora.
Mari yaunogona kuchengetedza pane kufarira uye kubhadhara mitero kazhinji kunowedzera kupfuura mari inoshandiswa mberi inotarisira kuva neimba yakaiswa zvachose panyika.