Kodi banki imasamalira bwanji ndalama zanyumba?

Tanthauzo la ngongole yanyumba panyumba

Ngongole yobwereketsa nyumba ndi ngongole yopangidwa ndi banki, kampani yobwereketsa nyumba, kapena bungwe lina lazachuma pogula nyumba - kaya ndi nyumba yoyamba, nyumba yachiwiri, kapena nyumba yosungira ndalama - mosiyana ndi malo ogulitsa kapena mafakitale. Pangongole yobwereketsa nyumba, mwini nyumbayo (wobwereka) amasamutsa udindo wa malowo kwa wobwereketsayo malinga ndi zomwe mwiniwakeyo abweza kwa mwiniwakeyo akamaliza kubweza ngongoleyo ndikulipira. mikhalidwe ya ngongole.

Ngongole yobwereketsa nyumba ndi imodzi mwangongole zofala kwambiri, komanso imodzi mwazomwe zimalimbikitsidwa. Popeza ndi ngongole yotsimikizika - pali chuma (chokhala) chomwe chimakhala ngati chikole pa ngongole - ngongole zanyumba zimakhala ndi chiwongola dzanja chochepa kuposa pafupifupi mtundu wina uliwonse wa ngongole womwe wogula aliyense angapeze.

Ngongole zanyumba zimalola gulu lalikulu la nzika kukhala ndi mwayi wokhala ndi malo, popeza sikofunikira kupereka mtengo wonse wogulira nyumbayo pasadakhale. Koma popeza wobwereketsayo ali ndi udindo wa katunduyo pamene ngongoleyo ikugwira ntchito, ali ndi ufulu wowononga nyumbayo (kuitenga kwa mwiniwake ndikugulitsa pamsika) ngati wobwereka sangathe kulipira.

Mortgage motsutsana ndi ngongole

Obwereketsa amaganizira zingapo zofunika kubwereketsa panthawi yofunsira ngongole, kuchokera pamtundu wa malo omwe mukufuna kugula mpaka ngongole yanu. Wobwereketsa adzakufunsaninso zikalata zosiyanasiyana zachuma mukafunsira kubwereketsa, kuphatikiza ma statement aku banki. Koma kodi statement yakubanki imamuuza chiyani wobwereketsayo, kuwonjezera pa ndalama zomwe mumawononga mwezi uliwonse? Werengani kuti mudziwe zonse zomwe wobwereketsa angatenge kuchokera ku manambala omwe ali pasitetimenti yanu yakubanki.

Malipoti aku banki ndi zikalata zandalama za mwezi uliwonse kapena kotala zomwe zimafotokozera mwachidule zomwe mumabanki. Ndemanga zitha kutumizidwa ndi positi, pakompyuta, kapena zonse ziwiri. Mabanki amatulutsa ziganizo kuti akuthandizeni kusunga ndalama zanu ndikuwonetsa zolakwika mwachangu. Tiyerekeze kuti muli ndi akaunti yochezera komanso akaunti yosungira: zochitika zamaakaunti onse awiri zitha kuphatikizidwa mu chiganizo chimodzi.

Malipoti anu aku banki azithanso kufotokoza mwachidule kuchuluka kwa ndalama zomwe muli nazo muakaunti yanu komanso kukuwonetsani mndandanda wazinthu zonse zomwe zachitika pakanthawi yomwe mwapatsidwa, kuphatikiza ma depositi ndi zochotsa.

Tanthauzo la katundu, osati ngongole

Ndife ntchito yofananira yodziyimira payokha, yothandizidwa ndi zotsatsa. Cholinga chathu ndi kukuthandizani kuti mupange zisankho zanzeru zachuma popereka zida zolumikizirana ndi zowerengera zachuma, kusindikiza zomwe zili zoyambira komanso zolinga, ndikukulolani kuchita kafukufuku ndikuyerekeza zambiri kwaulere, kuti mutha kupanga zosankha zachuma molimba mtima.

Zopereka zomwe zikuwonekera patsambali ndi zochokera kumakampani omwe amatilipira. Kulipiridwaku kungakhudze momwe zinthu zimawonekera patsamba lino, kuphatikiza, mwachitsanzo, momwe zingawonekere m'magulu amndandanda. Koma kubweza kumeneku sikukhudza zambiri zomwe timafalitsa, kapena ndemanga zomwe mumawona patsamba lino. Sitikuphatikiza dziko lonse lamakampani kapena zopereka zandalama zomwe zingapezeke kwa inu.

Ndife odziyimira pawokha, ntchito zofananira zothandizidwa ndi zotsatsa. Cholinga chathu ndi kukuthandizani kuti mupange zisankho zanzeru zachuma popereka zida zolumikizirana ndi zowerengera zachuma, kusindikiza zomwe zili zoyambira komanso zolinga, ndikukulolani kuchita kafukufuku ndikuyerekeza zambiri kwaulere, kuti mutha kupanga zosankha zachuma molimba mtima.

Kodi malipiro a mortgage ndi chiyani

Chifukwa malipiro a mwezi uliwonse amafalitsa mtengo wa ngongole yanyumba kwa nthawi yaitali, n'zosavuta kuiwala ndalama zonse. Mwachitsanzo, ngati mubwereka $200.000 pazaka 30 pa chiwongola dzanja cha 6%, malipiro anu onse adzakhala pafupifupi $431.680, kuchulukitsa kuwirikiza kawiri ngongole yoyambirira.

Zomwe zimawoneka ngati kusiyana kwakung'ono kwa chiwongola dzanja kumatha kuwonjezera ndalama zambiri pazaka 30. Mwachitsanzo, ngati ngongole yomweyo ya $200.000 iperekedwa pa chiwongola dzanja cha 7%, ndalama zonse zomwe ziyenera kubwezeredwa zitha kukhala $478.160, zomwe ndi pafupifupi $47.480 kuposa ndi 6%.

Ngongole yobwereketsa nyumba imabwezedwa pang'onopang'ono pamwezi pa nthawiyo, njira yotchedwa amortization. M'zaka zoyambirira, ndalama zambiri zimapita ku chiwongoladzanja ndipo gawo laling'ono limapita kwa wamkulu. M'chaka cha 20 cha ngongole ya zaka 30, ndalama zomwe zimaperekedwa kwa aliyense zimafanana. Ndipo, m'zaka zaposachedwa, ambiri otsogolera amalipidwa komanso chiwongola dzanja chochepa kwambiri.

Ndalama zomwe mumabwereka, ndalama zogulira ndalama - zomwe zimaphatikiza chiwongola dzanja ndi ma komisheni - komanso nthawi yolipira ndizomwe zimapangitsa kugula nyumba kukhala kokwera mtengo. Choncho, kupeza njira yochepetsera imodzi kapena zingapo kungakupulumutseni ndalama.