Imba yako ine marii? Heino maitiro ekutarisa

Mumakore mashanu apfuura, musika wedzimba weUS wakawana mari inosvika madhora makumi maviri emadhora. Ndiko kusvetuka 57% kubva 2020 mazinga kusvika $55 trillion!

Ehe, uku kukwira kukuru hakuratidzirwe nenzira imwechete munyika yose. Dzimwe nzvimbo dzinoramba dzichitonga kudiwa pamusoro pedzimwe, zvichikonzera mutsauko wemitengo yezvivakwa pakati pemaguta. Semuenzaniso, mutengo wepakati weimba yemhuri imwe chete muSan Jose, California (inodhura zvakanyanya muAmerica) unosvika $1,626,041. In Portland, Oregon, inenge chikamu chimwe muzvitatu chekukosha kweSan Jose pa $561,853 (kunyangwe nhamba iyi ichiri pamusoro peiyo ye85% yenzvimbo huru dzemetro muUnited States, maererano neSmartAsset).

Kunze kwe macroeconomic factor (sekukwira kwemitengo uye mitengo yemubereko), pane zvakawanda zvinogona kukonzera kukosha kwemba yako kukwira nekufamba kwenguva. Kana uri kuronga kunyora imba yako, kuigadzirisa, kana kutora chikwereti cheimba, kunzwisisa kukosha kwechokwadi kweimba yako kwakakosha kuti uite zvakanakisisa kune chero pfuma inowanikwa. (Zvichabatsira kuziva kunyangwe uchiongorora mitero yezvivakwa kana kuvandudza inishuwarenzi yako yemba.)

Unoda kuziva kukosha kweimba yako? Shandisa maitiro aya

Saka, ndeipi nzira yakanakisisa yekuona kukosha kwemusika weimba yako? Mhinduro inobva pane akati wandei, kusanganisira chinangwa chekubvunza kwako.

Hedzino nzira shanu dzinoshanda dzinogona kubatsira kuyera fungidziro.

Wongorora online real estate misika

Mapuratifomu akaita seRedfin, Zillow, uye Realtor.com atora maitiro echinyakare ekunyora pamhepo, achibvumira vatengi nevatengesi kuti vabatane pamisika yavo.

Aya ndiwo akanakisa zviwanikwa zvekutsvaga kwako kwekutanga. Chaunofanirwa kuita chete kuona zvinhu zvakafanana zvakatengeswa nguva pfupi yapfuura — kureva, dziya dzekwaunogara uye dzine nhamba yakafanana yemakamuri, masikweya footage, nhoroondo, mamiriro, zvinhu, nezvimwe — uye tarisa mitengo yazvo yekutengesa.

Kana iwe usingakwanise kuwana zvivakwa zvakatengeswa mumwedzi mishoma yapfuura, tarisa pane izvo zvave kunyorwa. Asi ramba uchifunga kuti ivo vanowanzoratidza mutengo wakakwira kupfuura mutengo waunotarisirwa kutengesa, vachisiya imwe nzvimbo yenhaurirano.

Shandisa FHFA's House Price Index

Iyo Federal Housing Finance Agency ine muunganidzwa wakakura wemhuri imwe-yemhuri kukosha kwedata, kubva pakati pe-1970s uye inofukidza anopfuura 400 maguta mumatunhu ese makumi mashanu eUS.

Yayo Imba Mutengo Index inoyera shanduko muavhareji mutengo weimba yakavakirwa pakudzokorora kutengesa kana kudzoreredza, zvichikubatsira kuti unzwisise mafambiro emitengo munzvimbo dzakasiyana. Iwo akakura data samples anoshandiswa neFHFA anoibvumira kuti ipe mufananidzo wakajeka wekufamba kwemitengo kuona kukosha kwepfuma yako.

Nekudaro, cherechedza kuti iyi index yakavakirwa padzimba dzemhuri imwe chete, uye yakagadzirirwa kupa chiratidzo chese chemitengo yezvivakwa mune imwe nzvimbo yenzvimbo.

Tsvaga online mutengo wekufungidzira chishandiso

Nhasi, kune akawanda maturusi epamhepo aripo kuti uwane fungidziro yekukosha kwemusika wako. Izvi zvinonyanya kupihwa mahara nevanopa real estate-ane chekuita masevhisi, senge misika yepamhepo uye vanokweretesa (seRealtor.com's RealValue.^TM chishandiso uye Chase Bank's Home Value Estimator).

Kuti uzvishandise, iwe uchafanirwa kuisa kero yako uye nekupa zvimwe zvishoma (taura, nhamba yemakamuri, nezvimwewo). Kana wangoita izvozvo, fungidziro yemutengo wepfuma ichagadzirwa mukati memasekondi mashoma uchishandisa otomatiki modhi.

Zvisinei, kukosha kwehuwandu hunogona kusiyana pakati pezvishandiso zvakasiyana zvichienderana nedata uye analytical modhi dzavanoshandisa. Saka, zvakanakisa kusarudza mashoma ane mukurumbira maturusi ekuyeresa uye kuenzanisa mibairo yekufungidzira kwakaringana.

Bvunza wako real estate agent yeCMA

CMA inomirira kuenzanisa kuongorora kwemusika. Ifungidziro yakagadzirirwa imba nevamiriri vezvivakwa zvichibva pane inofananidzwa zvivakwa zvakatengeswa munguva pfupi yapfuura.

A CMA inogona kukupa maonero echokwadi ekukosha kwemba yako sezvo isingatarise data remusika chete asiwo saizi yenzvimbo yako, maficha, mamiriro, kukwidziridzwa, nzvimbo, kudzora kukwezva, uye zvakasiyana siyana zvinogona kukanganisa mutengo wemusika.

Kuti ugadzire CMA, mumiriri wezvivakwa anofanira kushanyira imba yako uye atarise kutanga. Saka, kazhinji, vanogona kubhadharisa mari yenguva yavo. Nekudaro, kana vakanzwa kuti wakazvipira kunyora imba yako navo, vangangopa iyo CMA yemahara kuitira kuchengetedza bhizinesi rako.

Ita ongororo yepamutemo

Iyi ndiyo nzira chaiyo uye yakazara yekuona kukosha kwemba yako. Asi zvakare inodhura zvakanyanya (mutengo wacho unowanzo kutenderedza $300-$750 uye unopesvedzerwa nezvinhu zvakaita senzvimbo, saizi yepfuma, mamiriro, nezvimwewo). Saka, chengetedza iyi sarudzo yezvisarudzo zvepamusoro-soro, sekutengesa kana kubhadhara.

Kuti uwane wongororo, unofanirwa kuhaya muongorori ane rezinesi, uyo anoronga ongororo yemba uye kuita tsvakiridzo yemusika pane inofananidzwa zvivakwa, mamiriro emusika, mafambiro, nezvimwe, asati agadzirira gwaro rinotsanangura zvavakawana.

Chirevo chinotsanangura kukosha kwemusika kwenzvimbo yako uye kuti yakatorwa sei, pamwe chete nerumwe ruzivo rwakakosha, senge mamiriro emusika munharaunda.

Tarisa kukosha kwepfuma yako: Kupeta

Ungangoda kuyera kukosha kwemusika wemba yako mune dzakasiyana siyana, sekunge uchitsinhanisa chivako kana kunyora kutengeswa. Zvichienderana nehuwandu hwehuchokwadi uye huwandu hweruzivo rwaunoda, kune nzira dzakati wandei dzekuwana pfungwa nezve kukosha kweimba ikozvino.

Kutarisa zvivakwa zvakafanana pamisika yezvivakwa kazhinji inhanho yekutanga yekunzwisisa mitengo yemusika. Iyo FHFA's House Price Index uye epamhepo mutengo wekufungidzira maturusi anogona zvakare kukubatsira iwe kuwana ballpark kukosha kwemahara.

Kana iwe uchida fungidziro yakanyatsojeka, mumiriri wezvivakwa anogona kupa kuenzanisa kwemusika kuongororwa. Imwe, yakawedzera kunzwisisa (uye zvakare inodhura) sarudzo kuwana ongororo yepamutemo.

Asi zvakadini kana fungidziro iri pasi pezvaunotarisira? Iwe unogona kugara uchiwedzera kukosha kwepfuma yako nekuona nzvimbo dzinogona kuita kuti iwedzere kukwezva kune vatengi. Semuyenzaniso, funga nezvekugadzirisa nyika, kupenda patsva neruvara rwechizvino-zvino, uye kugadzirisa pasi, kicheni, uye yekugezera.

Mitengo yezvivakwa inogonawo kuchinjika zvakanyanya mukupindura kudiwa kwemusika. Kuwedzera kufarira kubva kune vatengi kunogona kuita kuti mitengo ikwire. Saka, kana uri kuronga kutengesa, ungada kumirira kusvika mitengo yakwira uye kugadzira musika wemutengesi.

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