Mazano ekusarudza bhangi rechikwereti chemba
Kuva nemba yako chiroto chevakawanda. Pakati pekukwira kwemitengo yedzimba, mortgages (KPR) ndiyo mhinduro huru yekuti vanhu vazadzise chiroto ichi. Kunyangwe mabhangi mazhinji achipa zvigadzirwa zvemortgage, kusarudza yakanakisa hakusi nyore. Zvinhu zvakasiyana-siyana, zvakaita semubereko, mitemo, uye sevhisi, zvinhu zvakakosha kufunga nezvazvo. Heano mamwe matipi ekusarudza bhangi remortgage yako, kuti ugone kuita sarudzo chaiyo.
1. Nzwisisa Rudzi rweMortgage Inoshandiswa
Zvigadzirwa zvembatya kubva kubhangi rega rega zvinogona kusiyana. Kune mbatya dzembatya dzechinyakare nembatya dzeSharia. Mbatya dzembatya dzechinyakare dzinobhadharisa mubereko unogona kugadziriswa kana kuchinjika. Mbatya dzeSharia, kune rumwe rutivi, dzinoshandisa nzira yekugovana purofiti uye dzinodzivisa mhindu. Sarudzo iyi inoenderana nezvaunoda uye zvaunotenda.
2. Teererai mitengo yemubereko
Mibereko yemubereko chimwe chezvinhu zvakakosha pakusarudza mortgage. Kune mhando mbiri huru dzemibereko yemubereko: yakagadzika uye inoyerera. Mubereko wakagadzika unoiswa kwenguva yakatarwa, kazhinji gore 1-5. Mushure menguva iyi, mubereko unoyerera, uchitevera mubereko wemusika. Enzanisa mibereko yemubereko kubva kumabhangi akati wandei kuti uwane pfungwa yakajeka yesarudzo yakanakisa.
3. Teerera Mari Dzekuwedzera
Kunze kwemubereko, zvakakosha kunzwisisa zvimwe zvikamu zvemutengo. Mimwe mari inowanzo shandiswa inosanganisira mari yekupa, mari yekuongorora, mari yemagwaro ekusimbisa, uye inishuwarenzi. Iva nechokwadi chekukumbira kubhangi kuti uwane rondedzero yakanyorwa yemari idzi uye uzviongorore zvizere, pane kungotarisa chete pamubereko wakaderera.
4. Tenor inochinjika
Sarudza bhangi rine nguva dzechikwereti dzinochinjika. Kana nguva yacho yareba, zvikamu zvako zvemwedzi nemwedzi zvinodzikira, asi izvi zvinorevawo kuti mari yako yese yemubereko ichave yakakwira. Mabhangi anowanzo kupa nguva dzechikwereti dzinosvika makore makumi maviri kusvika makumi maviri nemashanu. Iva nechokwadi chekusarudza nguva inoenderana nemamiriro ako emari, uye kana zvichibvira, sarudza imwe inopa nguva yechikwereti nekukurumidza pasina muripo.
5. Kureruka Kwemaitiro Nezvinodiwa
Kunyorera chikwereti chemba kunogona kutora nguva yakareba uye kunotora nguva. Sarudza bhangi rine nzira iri nyore uye yakajeka yekubvumidza. Bvunza nezvezvinodiwa uye iva nechokwadi chekuti wazvizadzisa usati waendesa chikumbiro chako. Mamwe mabhangi anopawo mafomu ekunyorera online, izvo zvinogona kukubatsira kuchengetedza nguva yakawanda nesimba.
6. Mukurumbira weBhangi uye Kuvimbika
Zvakakosha kusarudza bhangi rine mukurumbira wakanaka uye rakavimbika zvakanyanya. Tsvaga wongororo kana humbowo kubva kune vamwe vatengi vakamboshandisa masevhisi ebhangi ekubhadhara zvikwereti. Kuvimbika uku kunosanganisirawo kugadzikana kwemari yebhangi. Mabhangi ane nhoroondo yekushanda zvakanaka kwemari anowanzo kupa pfungwa yekuchengetedzeka uye nyaradzo kuvatengi vavo.
7. Basa reKutengesa Mushure meKutengesa
Basa rekubhadhara mushure mekutengesa ndiro basa rinoitwa nebhangi mushure mekunge mortgage yako yabvumidzwa uye yava kushanda. Sarudza bhangi rinopa basa rakanaka mushure mekutengesa, senge kuwana ruzivo rwechikwereti zviri nyore, sevhisi yevatengi inopindura, uye kugona kugadzirisa chikwereti chako kuti chienderane nezvaunoda mune ramangwana.
8. Kutevedzera Mortgage
Usati wanyorera chikwereti chemba, unogona kushandisa sevhisi yekufananidzira mari yemba, inowanzo kuwanikwa pawebhusaiti yebhangi. Kuenzanisa uku kunogona kukubatsira kufungidzira mari yako yemwedzi wega wega zvichienderana nehuwandu hwechikwereti, nguva yakatarwa, uye mubereko unopihwa. Izvi zvichaita kuti zvive nyore kwauri kuronga mari yako.
9. Zvirongwa uye Kukwidziridzwa
Mabhangi anowanzo kupa mapurogiramu anoyevedza uye kukwidziridzwa kwezvikwereti zvemba, zvakaita semitengo yemubereko yakatarwa mumakore mashoma ekutanga kana kuderedzwa kwemari pamari yakati wandei. Usazeza kubvunza bhangi rako nezvezvikwereti zviripo uye shandisa mukana wacho kuti uwane mamwe mabhenefiti.
10. Kuongorora Zvivakwa
Dzimwe nguva mamwe mabhangi anoshanda pamwe chete nevagadziri vezvivakwa, zvichiita kuti kuongororwa kwezvivakwa kuve nyore. Iva nechokwadi chekuti imba yaunosarudza inosangana nezvinodiwa nebhangi kudzivirira kunonoka kwekunyorera kwako mortgage.
11. Inishuwarenzi
Mabhangi mazhinji anoda kuti vanokwereta vatore inishuwarenzi yehupenyu nemoto papfuma yavanotenga. Inishuwarenzi iyi inodzivirira bhangi kubva panjodzi yekuti anokwereta asakwanise kuzadzisa zvavanofanira kuita kana njodzi ikaitika. Zvakakosha kunzwisisa mabhenefiti nemitengo yeinishuwarenzi iyi.
12. Kuchinjika Kwekubhadhara
Sarudza bhangi rinopa mari inochinjika muzvikamu. Mamwe mabhangi anokubvumidza kubhadhara zvikamu zvako nekukurumidza kana kubhadhara chikwereti chako nechirango chakaderera. Kuchinjika uku kunogona kubatsira zvikuru gare gare kana uine imwe mari yekukurumidzisa kubhadhara mortgage yako.
13. Kubvunza Nyanzvi Yezvemari
Kana usina chokwadi nezvekusarudza chikwereti chakakodzera chemba, usazeza kubvunza nyanzvi yemari kana murongi wemari. Vanogona kukupa ruzivo rwakakwana uye kukubatsira kuita sarudzo dziri nani zvichienderana nemamiriro ako emari.
14. Enzanisa Zvipo Zvakasiyana
Enzanisa zvipo zvakasiyana-siyana zvinopihwa nemabhangi akati wandei. Unogona kushandisa mawebhusaiti ekuenzanisa zvemari, anowanikwa zvakanyanya online. Ongorora chipo chimwe nechimwe zvakadzama wosarudza chinonyatsokodzera zvaunoda uye kugona kwako kwemari.
15. Kuongororwa kweChikwereti
Bhangi richaongorora kugona kwako kubhadhara zvikamu nekutarisa Chiyero cheBasa rechikwereti chako (DSR). Chiyero ichi chinoyera kugona kwako kubhadhara chikwereti zvichienzaniswa nemari yaunowana. Iva nechokwadi chekuti chiyero ichi chiri mukati memiganhu yakakodzera kuti uve nechokwadi chekuti chikumbiro chako chemortgage chatenderwa.
16. Funga nezvekubatanidza mapakeji
Mamwe mabhangi anopa mapakeji akabatanidzwa anosanganisa mortgage nezvimwe zvigadzirwa zvebhangi, zvakaita semaakaundi ekuchengetedza mari kana makadhi echikwereti. Mapakeji aya anogona kupa mamwe mabhenefiti, akadai semitengo yakaderera yemubereko kana mari shoma yekutonga. Zvisinei, ziva mitemo nemitemo inoshanda.
Kusarudza bhangi rechikwereti chemba kunoda nguva uye kufunga nokungwarira. Sarudzo yega yega yauchaita inokanganisa mamiriro ako emari kwenguva refu. Saka, tsvaga zvakadzama, bvunza nyanzvi, uye funga nezvezvinhu zvese zvataurwa pamusoro apa kuti uve nechokwadi chekuti unosarudza sarudzo yakanakisa inonyatsokodzera zvaunoda uye kugona kwako mune zvemari. Nenzira iyi, hope dzako dzekuva nemba yako dzinogona kuzadzikiswa zvakachengeteka uye zvakanaka.
