Kunzwisisa mitero yomunzvimbomo ikokuro yerongedzero yakanaka yemari yemhuri, bva mhuri dzakawanda dzinofuratira kuti iyi mitero inoumba sei ndyiko dzadzo dzezuva nezuva nemari yadzinochengeta kwenguva refu. Mitero yomunzvimbomo yakaiswa nemaguta, maruwa, maruwa echikoro, uye maruwa chaiwoiwo . Inopa mari yemitero yemomo inokubatsira kubhadharira nenzira yakarurama mabasa emhuri yako anovimba nawo: zvikoro, kugadziriswa kwemigwagwa, dziviriro yemapurisa nemoto, mapaki, uye maraibhurari. Nemhaka yokuti mitero iyi inosiana zvikuru kubva kunzanga imwe neimwe kusvikira kune imwe, kuziva chikwereti chaunofanira kukubatsira kuronga kui, kuderedza chishamiso, uye kunyange kusarudza kuti unogara kupi. Iyi nhungamiro yakakura inoputsa rudzi rwuri rwose rwemitero yomunzvimbomo, inotsanangura kuti mari yako ishandei, uye inoita zvirongwa kuti ishande puro.

Mitero Yomunzvimbomo Chii uye Nei Ichikosha?

Mitero yemo inounganidzwa nehurumende yehurumende kuti ibhadhare mabasa anobatsira vanhu vemo zuva nezuva. Kusafanana nemitero yehurumende kana kuti yehurumende, inotsigira mapurogiramu akawedzera akadai sedziviriro yenyika kana kuti migwagwa mikuru yehurumende, mitero yomunzvimbomo yakabatanidzwa nenzanga yenyu yapedyo. Mitero inobatanidza mitero yemari, mitero yemari yomunharaunda, mitero yemari, mitero yemari yemari, uye mitero yemitero pazvinhu zvakati zvakadai sepeturu, chinwiwa chinodhaka kana kuti fodya.

Nokuda kwemhuri, mitero yomunzvimbomo inogona kumirira chikamu chikuru chehwerengedzo yezvitsamwa zvegore negore. Mukuwirirana ne STY] STY , yakabatanidzwa, mwero yemitero yehurumende neyomunzvimbomo yoga inovambira pa 0% mudzimwe nyika kusvikira kuinopfuura 10% mune dzimwe. Mitero yezvinhu inogona kutenderera kubva pasi pe 0.5% yomutengo wepamusha munzvimbo dzakaderera kusvikira kuinopfuura 2% mumitengo yakakwirira. Iyi inoreva kuti mhuri mbiri dzine mari yakafanana dzinogona kuva nemari yakasiana zvikuru yadzinotsamira painogara. Kuziva iyi mari inobhadharwa kuidzo yokutanga kukudzorwa kwemari yenyu yemhuri.

Uyezve, mitero yomunzvimbomo kazhinji kazhinji haioneki zvikuru kupfuura mitero yemari yehurumende. Mitero yenzvimbo ingaripirwa kupfurikidza neakaundi yemari inobatanidzwa mumuripo wako wembatya, nepo mitero yokutengesa inopedzerwa mutengo uri wose. Iyi mitero yemari inodzorwa inoratidzika sezvinhu zvemitsetse pamabhiri emwedzi nomwedzi. Iyi shavo inogona kutungamirira kukudukusisa mutengo wavo wechokwadi, uko kuri chikonzero nei nzwisiso ine udzame iri madikanwa nokuda kwokuronga mari nemhuri nenzira inobudirira.

Mitero Yomunharaunda Nezvainoita Pamhuri Yenyu

Mitero yomunzvimbomo inouya muzvimiro zvinoverengeka, chimwe nechimwe chinotapura mhuri yako nenzira yakasiana.Pazasi tinonzvera mapoka makuru, kubatanidza aya akarongwa, mwero yawo chaiwoiwo, uye revo yebhajeti.

Mitero Yezvinhu

Mitero yenhumbi ndiyo mitero mikurusa yemo yemuridzi wedzimba dzakawanda. Inoverengwa yakavakirwa paukoshi hwakadzikwa hwenzvimbo yako nenzvimbo yako yeko.(nyika nezvivako) uye mwero wemari yemo (mutero we $6 000). Kudzorwa kwemari zvikurukuru zvikoro zvavose, asiwo mapurisa, madhipatimendi omwoto, maraibhurari, uye zvivako zvezviwi.

Mubhadharo wemitero yenzvimbo: Mitero yenzvimbo inowanzova inodikanwa gore negore kana kuti kaviri. Kana une chikwereti chechikwereti, kazhinji kazhinji inounganidzwa mwedzi nomwedzi muakaundi yemazamu, uko kunogona kuiita kuti ive inocherekedzwa zvishoma asi ichiri ndyiko yakatsiga. Mhuri ine mari inokwana $350 000 munzanga ine 1,5% mwero wemitero inoshanda yaizobhadhara $4,500 pagore. Iyoyo indyiko inokosha yemari inoyera zvinhu kana kuti chibvumirano chechikoro inogona kukwidza chitsamanyuko chisingakarirwi.

Mupiro unoshanda: hwirudzura mutero wezvinhu wako gore rimwe nerimwe. Zvikanganiso mukuyera mitero (muchine muenzaniso, kusatenderwa kwamativi mana, kuregererwa) zvakarovedzeka uye zvinogona kuwedzera pamutemo wako. Nzvimbo zhinji dzinokubvumira kukwidza ukoshi hwemitengo. ZVINOPA ZVINORONDERA ZVINORONDERWA [ pamitero yenhuro, asi rangarira kuti mutengo uChomwe naJobho Acts Act zvakaisa Hurumende uye mutero womunzvimbomo pa $100,000. Kana nharaunda yako yabatanidzwa uye mutengo womunzvimbomo inopfuura chitsaro ichocho, wakawana betsero yemari kubva muchitsamanyuro.

Mitero Inotengeswa

Mitero yemari inotengeswa pakutenga zvinhu uye, mune dzimwe nzvimbo, mabasa. Mwero wacho mubatanidzwa wemitero yehurumende neyomunzvimbomo, uye unosiyana zvikuru. Somuenzaniso, mwero wemitero yokutengesa wakabatanidzwa weChicago unopfuura 10%, nepo Portland, Oregon haina mutero wokutengesa. Dzimwe nzvimbo dzinoregerera kutenga kana kuti mirimo inobvumirwa nachiremba, nepo dzimwe dzisingadaro.

Mubhadharo wemitero wakaenzana nemutengo wegore negore: Mitero inowedzera zvakananga ndyiko yokurarama. Mhuri inoshandisa $40 000 pamari inobhadharwa pagore panzvimbo yemitero inobhadharwa ye 9% munharaunda yokutengesa inobhadhara $3,600 mumitero yokutenga. Iyo yakaenzana nemari yomuraudzo yomwedzi ye $300(3, $3) ingagona kuenda kukuchengeta mari kana kuti kumari yakasarudzwa. Mutoro unodzorwa: mhuri dzinorisa mari inobhadhara mari yakawanda inoripira mutengo wemari pamitero, kureva kuti mutero wemari yokutenga mutengo mukuru wemari yadziro yavo.

Mutero unoshanda: Tsvaka mutero wako unotengeswa kwemwedzi mumwe kuti uone ndyiko yawo yechokwadi. Kana uchigara pedyo nepeyi yepepa rakaderera, rangarira kutenga zvinhu zvikuru ipapo (zvinowirirana nokushandisa mitemo yemitero). Uyewo, ngwarira kuti kutenga paIndaneti kwava kuzviisa pamutero womunzvimbomo munyika dzakawanda nemhaka ye South Dakotan v. Wayfair chisarudzo. Itai iyi chisarudzo mubhajeti rako rezvitoro paIndaneti.

Mitero Inobhadharwa Munharaunda

Nepo isingawanzoitiki munyika, mitero yemari yomunharaunda yakarovedzeka munyika dzinoverengeka kubatanidza Ohio, Pennsylvania, New York, Kentucky, uye Maryland. Iyi inowanzova purofiti yakapfuvura yemibairo kana kuti mhindu yemimbure kuvanhu vanozvishandira vamene. Mwero inowanzovambira pa 0,5% kusvikira ku 3% uye inonyimwa navashandirwi parutivi pehurumende nemitero yehurumende.

Mutero wemari wapamusha we 2% pamari inowanwa mumba $800 yaizoderedza muripo wemusha ne $1,600 pagore. Iyi mari isingagoni kuchengetwa kana kuti kushandiswa pane zvimwe zvinodikanwa. Kusafanana nemitero yezvinhu, inogona kuchengetwa nomutengo wemari yemari yomunharaunda inobuda pacheki iri yose, ichiita kuti ive mari inotedzerwa pakurasa mari.

Mutero usingataurwi: Cherechedza kana nzvimbo yako ichibvumira mitero kumimwe mitero inobhadharwa kudzimwe nyika (mutomo, kana uchishanda muguta rine mwero wakakwirira kupfuura kwaunogara). Uyewo, mimwe mitero yemari inotambirwa munyika ine kusiiwa kana kuti mwero wakaderera nokuda kwavaripi vemari yakaderera. Ongorora bumbiro remitemo yomunzvimbomo kana kuti kubvunza nyanzvi yemitero kuti iva nechokwadi chokuti hausati uchibhadhara zvakanyanyisa.

Mitero Isingabhadhari

Mitero yemari inopiwa pamabasa anokosha akadai semagetsi, gasi romusikirwo, mvura, tsvina, uye kuunganidzwa kwemarara. inogona kuva mari yakati sandara kana kuti chikamu chimwe chete chemari inoshandiswa.

Muuyo wemagetsi: Mhuri chaiyo ingabhadhara $20-50 pamwedzi mumitero yemari inoshanda yakabatanidzwa, kuchitsamira pakushandiswa uye mwero yomunzvimbomo. Kupfuura gore, ikoko kunowedzera kusvika ku $40-60. Mumwedzi yokushandisa magetsi kwakakwirira (kudziyisa kana kuti kudziyisa muchando), iyi mitero inowedzera pamwero wakati. Kumhuri dzinototamburira nendyiko yemari inoshanda, iyi mitero inogona kusunda mari inopfuura mari.

Chinoyera mari yezvikwereti zvako zvemitsetse yakanyorwa kuti “mutero wemari inobhadharwa,”“ mutero mukuru wemari inobhadharwa,” kana kuti “mutero wemaripo yokubhadharwa.” Kana mutero uri chikamu muzana chokushandisa, kuderedza zvakananga mutero. Kukwiza masuo, kuchishandisa mapurogiramu anoshandiswa, uye kuchinjira kuLDED kugona kucheka kushandiswa uye kubhadharwa mutero panguva imwe chete. Dzimwe nzanga dzinopa mapurogiramu okuyamura nokuda kwedzimba dzinowanwa dzakaderera; ona chishandiso chezvakaidzo nokuda kwoudzame.

Mitero Yakakura

Mitero yokukosha mitero chaiyo pazvinhu zvakati, kazhinji kazhinji yakagadzirirwa kuodza mwoyo kudhura kana kuti kukwidziridza mari nokuda kwemabasa ane chokuita nayo.Mitezo inowanzobatanidza mitero yepeturu, zvinodhaka, fodya, uye mbanje. Mitero yemo yemo inowanzowedzerwa pamusoro pemari yehurumende neyamasangano.

Mutero wemari inotengwa: Iyi mitero inokwidza zvakananga mutengo wezvinhu zvaungatotenga. Mutero wepeturu womunzvimbomo we $0,0 parita, pamusoro pemitero yehurumende nehurumende, inodyira mhuri inomhanya makiromita 12 pagore mumotokari 25 kg $48 pagore. Nepo inoratidzika kuva inowedzerwa, mutero unowedzerwa wemitero yakawanda unogona kuva mukuru, zvikurukuru nokuda kwemhuri dzinosvuta kana kuti dzinovimba zvikuru nepeturu.

Mutero unotapurwa: Kuderedza kushandiswa kwezvinhu zvinotereswa zvikuru. Nokuda kwemutero, batanidza mabasa uye shandisa kufambisa vanhu vose apo kunobvira. Kana uchishandisa fodya kana kuti zvinodhaka, ziva mitero yomunzvimbomo neyakaderera nemitero ingava yapamutemo (mitemo yehurumende). Ruramisiro dzezvokurapa dzingaderedza mutoro wemitero mune dzimwe nyika.

Kutsunga Kunoita Mitero Yomunyika

Mwero yemitero yomunzvimbomo inorongwa navakuru vakuru vakasarudzwa (makurukota, masangano eruwa, mabhodhi ezvikoro(* uye mabhodhi ezvikoro anogona kuchinjwa kupfurikidza nemirairo kana kuti muvhoti. Muitiro unosiana nehurumende nenzvimbo. Nokuda kwemitero yezvinhu, mwero unowanzoiswa kuti usvike panzvimbo inotengwa nechero yemari inotemwa muhurumende. Apo mitero yenzvimbo ingakwira, mwero wacho ungaderedzwa (murondedzero) kuchengeta mari isingatsivi, asi haisati ichiitika nguva dzose. Sales mitero pane dzimwe nguva inodzoswa nomutemo wehurumende, asi nzvimbo dzinogona kuwedzera mitero yemitero yemitero yemitengo yakarongwa nokuda kwemabasa akati kuti (g., kutengesa mutero wenhandare). Mitero yomunzvimbomo inowanzoitwa nemitemo uye ingada kuvhotera.

Kunzwisisa izvi kunokosha nokuti kunokupa simba. Kuwedzera kwemitero kunowanzooneka pamapepa sematanho omunzvimbomo.Kuziva chinokuremedza pamutero womunzvimbomo kunokupa mukana wokuongorora kana mabasa anopiwa achiruramisa ndyiko. Somuenzaniso, kuwedzera kwemitero yezvinhu kuti ubhadhare zvikoro zvingawedzera mipimo yepamusha uye kubatsira mhuri yako munguva pfupi iri mberi, nepo kuwedzera kwemitero yenzvimbo yekokorodzano kungava nebetsero yakananga.

Kuenzanisa Mitero Yemunharaunda Nenzvimbo

Kana mhuri yenyu iri kurangarira kutama, mitero yomunzvimbomo inogona kutapura zvikuru mufananidzo wenyu wemari. Kunzvera kwemasuo kunoratidza kuti vapamberi, zvikurukuru, vanogona kuchengetedza zviuru gore negore kupfurikidza nokutamira kunyika dzisina mutero wemari nemitero yakaderera. Asi mitero yomunzvimbomowo zvayo ine chokuita nemhuri dzinoshanda. Somuenzaniso, kutama kubva mumusha unobhadharwa mupepa wakakwirira kuenda kuguta reta duku mukati menzvimbo imwe cheteyo yematanho kunogona kuchengetedza $2,5 000 (Z $5 000 000) pagore.

Mhuri inobhadhara mari yakawanda yokutengesa kupfuura mhuri inochengetedza mari yakawanda. Mhuri ine musha mukuru ichava nehanya nemitero yezvinhu pane kuhaya mubhadhari.

Kutsigira Kutarisira Mitero Yomunzvimbomo

Kunyange zvazvo usingagoni kudzivisa mitero yose yomunzvimbo yacho, unogona kutora matanho okuita kuti ishande zvishoma pakushandisa mari nemhuri yako.Pazasi pane mazano anonyatsotsanangura, rimwe nerimwe riine mazano anogona kushandisika.

Ongorora Mari Yaunoshandisa Nguva Dzose

Mari yako inofanira kubatanidza mutsetse wemitero mikuru yomunzvimbomo imwe neimwe. Kana une musha, ziva mutero wezvinhu zvako wegore negore ndokuugovana ne12 kuti utsaure parutivi mwedzi nomwedzi. Kutenga mitero, fungidzira hwerengedzo yemari yegore negore yezvinhu zvinobhadharwa (kuwedzera mari yausingatengi semutero mune dzimwe nyika) uye uwanza nemwero womunzvimbomo. Isa mari iyoyo parutivi parutivi neakaundi inochengeterwa mari kuti idzivise kubhadharwa. Kuchinja kwemari yemari gore rimwe nerimwe apo kunzvera kunobudiswa; kuwedzera kungada kutsaurirwa kumwe nokumwe. Mari yako nguva dzose (kubvisa) inova yakanaka yemari inochengetwa nemhizha yenzvimbo yapamhiko yemari inochengetwa.

Itai Kuti Muve Nemitero Nezvikwereti

Mitero yehurumende neyoruwa inogovera zvisarudzo zvinoverengeka zvokuyamura zvinogona kubvisa mitero yomunzvimbomo. Chinozivikanwa zvikuru ndicho kubviswa kweSALT, kunobvumira kubvisa US $10 000 yemitero yakabatana uye yomunzvimbomo (kubatanidza zvinhu, mari, uye mitero yokutengesa) kana ukapa. Kana iwe wose uri pasi pechikuva ichocho, unogona kubvisa mari yakazara. Uyewo, nyika dzakawanda dzinopa mitero yemari yemari kana kuti vapunzi vematunhu nokuda kwemitero yakaderera uye inowana mari yakaderera yavaridzi vemisha, zvikurukuru vakuru veguta rako. Somuenzaniso, Dare reRekubhadhara reChikoro cheNew York (STar) rinogovera kurasika nokuda kwemisha inobhadharwa. Cherechedzawo muteshi wenzvimbo yako yemari yemari yenzvimbo yezvirongwa zvepanyu yepanyu yemasangano ewebsiteji inowanika.

Rangarira Nzvimbo Paunenge Uchienda

Zvisarudzo zvokutamira kune imwe nzvimbo zvinofanira kuisa mari yemitero yemo mangwana pamwe chete nemitero yedzimba, zvikoro, uye mari yeIndaneti kuti uenzanise mitero yemari yenhumbi, mitero, uye mari inotambirwa munyika dzinoda kuvakwa. Yeuka kuti mitero haiwiri pasi / nzvimbo inobhadharwa mitero nhasi ingagona kukwidziridza mari mangwana kana ichida kubhadharisa mari kana kuti mabasa. Tarira utano hwemari hwehurumende yomunharaunda; nzanga dzine mari dzakasimba nemitero yakasiyana - siyana hadzingawanzokwidza zvikuru. Mhuri dzine vana vechikoro, yeuka kuti mitero yezvinhu inowanzova inochinja kuva yakanaka nedzidzo yakanaka, naizvozvo mitero yakakwirira ingava yakakodzera nokuda kwedzidzo iri nani.

Kubatanidzwa Muhurumende Yomunzvimbomo

Pinda misangano yedare reguta, zvirongwa zvechikoro, uye kutemwa kwemitero. Iyi ndiyo nzira yakananga zvikurusa yokunzwisisa nayo kuti madhora ako omutero anopedzerwa sei uye kupesvedzera zvisarudzo zvomunguva yemberi. Vakuru vakuru vanopa mhinduro kumativi akaziviswa. Unogona kukumbira ruramisiro yewedzero dzemitero, kukarakadza manyuko emari, kana kuti kutsigira nokuda kwepurogiramu dzokuyamura. Nzvimbo zhinji dzinobudisa mari yemari yegore negore paIndaneti; hwirudzudza idzodzi kuti idzore kana mabasa ako avose adzore zvakanaka. Kana ukaona marara, taurawo. Kuvhotera kunobatanidza mipimo yemitero ine chokuita nemitero. Wedzero duku yebasa rinodikanwa senzvimbo itsva yomoto ingava yakachenjera, nepo kukwira mutero kuti ashambatedzeri yapachivande yapachivande chavanhu voruzhinji ingasa.

Gadziriro Dzokuyamura Nemitero Yakakomba

Hurumende dzakawanda dzinobatsira mhuri.

  • [ Kunonoka kwomutero nokuda kwavakura kana kuti avo vane urema, kuchikubvumira kunonotsa kuripirwa kutozosvikira musha watengeswa.
  • Kusapinda pamusha kwenzvimbo kunoderedza ukoshi hunobhadharwa hweimba yako yokutanga (vanowanzova muTexas, Florida, uye dzimwe nyika).
  • [ Mari inotambirwa yemitero inodzorwa nechaiko yemari yemari yemari mune dzimwe nyika, umo unogona kukumbira mari yechikamu chemitero yokutenga inobhadharwa.
  • [ Zvirongwa zvokubetsera zvinotsigirwa nehurumende dzomunzvimbomo kana kuti purofiti, kupa mari yakaderedzwa kana kuti mari inopiwa mhuri dzinowana mari shoma.

Mhuri dzakawanda dzinosiya mari patafura nokuti hadzizivi kuti mapurogiramu aya aripo.

Ronga Mari Yaunoshandisa Nemaitiro Aunoda Kushandisa

Sezvo mitero yokutengesa yakavakirwa pakutenga, kuderedza kutengwa kusingadiwi kunoderedza mari yako yomutero. Ita “mubato usina mutero” wokushandisa zvinhu zvinosarudzirwa munharaunda yako (sezviro, mishonga inotengeswa, mishonga inotengeswa, zvipfeko). Kutenga zvisina kutsarukana, kutenga mitero yakawanda kana kuti mukati mokutenga kuti uderedze mari inobhadharwa. Mitero yemari, shandisa inowedzera simba: inoita kuti ive yakakuvandudza, inoita kuti upfudze simba, uye ishaidze mitero yakaderera. Haisi iyoyi bedzi inoderedza kushandiswa kwako, asi inoderedzawo mutero wemari inotengwa. Nokuti mutengo wako womusha uye kugadzira mitero kunogona kubetsera kuva noukoshi dzako dzinowirirana.

Ronga Zvinangwa Zvemari Zvagara Nguva Refu

Mitero yomunzvimbomo mumidyandigere ukaronga kutora mudyandigere uye mari. Kana ukaronga kurega basa munharaunda yemitero yakakwirira, zai rako rinodikanwa richakura kuti rifukidze mitero yenzvimbo inopfuudzirwa nemitero yemari inobvira. Nenzira inopesana, kuenda kupepa remitero yakaderera mupedzero yemari mumusha wako. Vatengi, vaverenge hwerengedze hwerengedzo yemwedzi nemwedzi kubatanidza mitero yenhumbi yemari, kwete bedzi mufashoni yemari yomumba yechikwereti munharaunda yemutero wakakwirira. Musha unodhura zvikuru mwedzi mumwe nomumwe unogona kukwira kupfuura musha unodhura zvikuru munzvimbo yemitero yakaderera. Shamba yechikwereti kuti uwane gira gira chikwereti chitsamakero kuti uwane mufananidzo wakarurama.

mhedziso

Mitero yomunzvimbomo haidzivisiki asi inodzorwa asi inodzorwa. Nokunzwisisa marudzi emitero yaunotarisana nayo / yaunotarisana nayo, yaunobhadhara, mari, mari, inoshanda, uye kuti mari inodzorwa nayo, unogona kuita nhano dzinopfuurira kuderedza mutoro wako. Nguva dzose kuhwirudzura mari yako, mari yemitero inowanika nepurogiramu dzokuyamura, uchirangarira mitero apo unenge uchitama, uye uchiita utongi hwomunharaunda yacho urongwa hwose hune simba. Yeuka kuti mitero yomunharaunda inobetsera nemhuri yako, naizvozvo vavariro yacho haisati iri yokuidzivisa chose chose asi kuvimbisa kuti uri kubhadhara chitsamanyuko chakakwana nokuda kwemari yaunogamuchira nemhaka yokutarisira kana kuti kushaiwa mashoko. Nezivo uye matururo anogoverwa munhungamiro iyi, unogona kuchinja mitero yomumusha murutivi rwemhuri yako rwemari.