Ndedzipi dziri mhando dzakasiyana-siyana dzezvikwereti kana kuti zvikwereti zveimba zvevatengi vepamba muU.S.?
Zvinokosha kuti unzwisise mikana yose yaunayo yokubhadhara mari paunenge uchifunga nezvokutenga imba itsva. Mamwe marudzi echikwereti anowanzoshandiswa nevanotenga dzimba ndeaya ari pasi apa:  1. Zvinhu zvose. Zvikwereti Zvakajairika: Rudzi rwakajairika rwechikwereti cheimba chisina inishuwarenzi kana kuvimbiswa nehurumende. Nepo kazhinji kazhinji kuchida 20% yokutanga, unogona kuisa zvishoma se5% yokutanga. 2. Kuziva Mwari. VA Loans: Izvi zvinopiwa neU.S. Department of Veterans Affairs kuvanhu vakabatira muchiuto pamwe chete navakwanyina vavo. Hazvidi kubhadhara mari yokutanga uye chisarudzo chinoshamisa nokuda kwomunhu upi noupi anokodzera. 3. Kuita zvinhu nenzira yakanaka. FHA Loan: Chikwereti cheimba chinovimbiswa neFederal Housing Administration. Vatengi vemba yokutanga vanowana zvikwereti izvi zvinokwezva zvikuru nemhaka yezvinodikanwa zviduku zvekubhadhara pasi kwe3.5% chete uye zvikwereti zvinoshanduka. Mukuwedzera kune zvigadzirwa zvevana kumotokari iyi yechikwereti kusanganisira chikwereti cheFHA 203k chinogona kubatsira avo vanotenga zvivakwa zvinotambura nekubhadhara mari yekugadzirisa, mukati meimwe nhungamiro dzakatemerwa. 4. Adjustable-Rate Mortgage (ARM): Nechinhu ichi, mubereko wako unosiyana-siyana nokufamba kwenguva zvichienderana nemamiriro ezvinhu emusika uye ezvoupfumi. Izvi zvinoratidzika kuva zvinokwezva pakutanga sezvo zvinowanzotanga nemitero yakaderera kupfuura zvikwereti zvemitero yakatarwa asi zvinogona kuwedzera nokufamba kwenguva. 5. Kuita zvinhu zvakanaka. Fixed-Rate Mortgages: Iyi mhindu yemari inobatanidzwa pakuvamba kwechikwereti uye inotanga zvakafanana mukati menguva yose. 7. Chikwereti cheUSDA: Chinotsigirwa neU.S. Department of Agriculture uye chinogona kupiwa vanhu vanotenga dzimba mumaguta ari pedyo nemaguta uye kumaruwa. Ichi chikwereti chigadzirwawo hachidi kubhadhara pasi uye ine yakaderera inishuwarenzi inishuwarenzi zvinodiwa pane FHA chikwereti  Nepo aya ari marudzi echikwereti anowanzoshandiswa, dzimwe nzira dzinowanzovapo nguva nenguva. Zvinokosha kuti utsvakurudze uye usarudze chigadzirwa chinonyatsokodzera zvaunoda uye zvinangwa zvako zvemari zvenguva refu. Kuti vabatsirwe kunzwisisa zviri nani zvisarudzo izvi, vakawanda vanoda kutenga vanoenda kune vanopa zvikwereti, vamiririri vezvivakwa, uye vanopa zvikwereti.