Kubva pamharidzo, nyora pasi zvinhu zveMortgage.
Context:Maererano nemutemo weAnglo-American wezvivakwa, chikwereti chinoitika apo muridzi (kazhinji wemubhadharo mubereko uri nyore muzvivakwa) anovimbisa mubereko wake (kodzero yeimba) sechengetedzo kana chibatiso chechikwereti. Nokudaro, chikwereti cheimba chinoremedza (chinogumira) kodzero yeimba kungofanana nechikwereti cheimba, asi nemhaka yokuti zvikwereti zvakawanda zveimba zvinoitika sechimiro chemari itsva yechikwereti, shoko rokuti chikwereti cheimba rava shoko rakajairika nokuda kwechikwereti chakachengetedzwa nepfuma chaiyo yakadaro. Kufanana nedzimwe mhando dzezvikwereti, zvikwereti zveimba zvine mubereko uye zvinorongwa kuti zvibhadharwe mukati menguva yakatarwa yenguva, kazhinji makore 30. Mhando dzose dzepfuma chaiyo dzinogona kuva, uye kazhinji kazhinji dzinova, dzakachengetedzwa nechikwereti cheimba uye dzine mwero wechimbadzo uyo unofungidzirwa kuratidza ngozi yomukweretesi.  Kukweretesa dzimba ndiyo nzira huru inoshandiswa munyika dzakawanda kutsigira mari dzomunhu oga dzimba dzokugara nedzokutengeserana (ona dzimba dzokutengeserana). Kunyange zvazvo mashoko uye nzira dzakarurama dzichasiyana munyika nenyika, zvinhu zvinokosha zvinowanzofanana:  Zvinhu: nzvimbo yokugara chaiyo inobhadharwa mari. Chimiro chaichoicho chokuva muridzi chichasiyana munyika nenyika uye chinogona kuganhurira marudzi okupa zvikwereti anobvira. Mortgage: kuchengetedzwa kwechikwereti chemukweretesi muimba, izvo zvinogona kukonzera kurambidzwa kwekushandiswa kana kuraswa kweimba. Zvinorambidzwa zvingasanganisira zvinodiwa kuti munhu atenge inishuwarenzi yeimba uye inishuwarenzi yechikwereti, kana kuti abhadhare zvikwereti asati atengesa chivako chacho. Mutengi: munhu anotora chikwereti ane kana ari kugadzira muridzi wepfuma muzvivakwa. Mukweretesi: mukweretesi upi noupi, asi kazhinji bhangi kana kuti imwe sangano rezvemari. (Mune dzimwe nyika, zvikurukuru muUnited States, Vakweretesi vangavawo varimi vane fariro muchikwereti cheimba kupfurikidza nechivimbo chinotsigirwa nechikwereti cheimba. Mumamiriro ezvinhu akadaro, mukweretesi wokutanga anozivikanwa somunhu anotanga kupa zvikwereti, uyo anozobatanidza uye anotengesa chikwereti kuvashambadzi. Mari dzinobhadharwa nomukweretesi dzinobva dzaunganidzwa nomunhu anotarisira zvikwereti.) Chikuru: kukura kwokutanga kwechikwereti, icho chinogona kana kuti chingasasanganisira zvimwe zvimwe zvinodhura; sezvo chero chikuru chinodzorerwa, chikuru chichaderera muhukuru. Kufarira: mari inobhadharwa nokuda kwokushandisa mari yomukweretesi. Kuregererwa kana kudzorerwazve: mukana wekuti mukweretesi anofanira kudzorera, kudzorera kana kutora pfuma pasi pemamiriro ezvinhu anokosha kune chikwereti cheimba; pasina chikamu ichi, chikwereti chinogona kunge chisina kusiyana nemamwe marudzi emari. Kupedzwa: kupedzwa zviri pamutemo kwechibvumirano chechikwereti, uye nokudaro kutanga kwechikwereti. Kutengazve: kudzorerwa kwekupedzisira kwemari yakasara, iyo inogona kuva "kutengazve kwomuzvarirwo" pakupera kwenguva yakarongwa kana kuti kutengesazve kwemari yenguva dzose, kazhinji apo mukweretesi anosarudza kutengesa chivako chacho. Nhoroondo yechikwereti cheimba yakavharwa inonzi "yakadzikinurwa".
Zvinhu Zvikwereti Mukweretesi Mukweretesi Mukuru Kufarira Kubvisa kana kuti kudzorera Kupedza Kudzikinurwa