Chidziwitso Chosamutsa Mwini Ngongole Yanyumba
Kupeza ngongole yanyumba sikungowonjezera ndalama zapamwezi. Muyeneranso kulipira misonkho monga msonkho wa zolembedwa zamalamulo (Ntchito ya Sitampu) ndi zolipiritsa pakuyesa, malipoti a akatswiri ndi maloya. Anthu ambiri amapeputsa kuchuluka kwa malipiro ndi ndalama zowonjezera.
Izi ndi ndalama zogulira nyumba, zomwe nthawi zina zimadziwika kuti chindapusa kapena chindapusa chotseka. Nthawi zina ikhoza kuwonjezeredwa ku ngongole yanyumba, koma izi zidzawonjezera ndalama zomwe muli nazo, chiwongoladzanja ndi malipiro a mwezi uliwonse.
Muyenera kuyang'ana ngati komitiyo ikubwezeredwa ngati ngongoleyo sipitilira. Ngati sichoncho, ndizotheka kupempha kuti chindapusacho chiwonjezedwe ku ngongole yanyumba ndikulipira pokhapokha pempholo litavomerezedwa ndikupitilirabe.
Nthawi zina amalipidwa pamene chiwongoladzanja cha ngongole chikangofunsidwa ndipo nthawi zambiri sichibwezeredwa ngakhale ngongoleyo sikupita patsogolo. Ena opereka ngongole amaphatikiza ngati gawo la ndalama zoyambira, pomwe ena amangowonjezera kutengera kukula kwa ngongoleyo.
Wobwereketsa adzaona mtengo wa katundu wanu ndi kuonetsetsa kuti ndi wokwanira ndalama zomwe mukufuna kubwereka. Obwereketsa ena salipiritsa komitiyi pochita zinthu zina zobwereketsa nyumba. Mutha kulipiranso kafukufuku wanu wanyumbayo kuti muwone kukonzanso kapena kukonza komwe kungafunike.
Mitengo yanyumba ku UK
Zambiri kapena zonse zomwe zaperekedwa patsamba lino zikuchokera kumakampani omwe Insider amalipidwa (kuti mupeze mndandanda wathunthu, onani apa). Malingaliro otsatsa amatha kukhudza momwe zinthu zimawonekera patsamba lino (kuphatikiza, mwachitsanzo, dongosolo lomwe zimawonekera), koma sizikhudza zosankha zilizonse, monga zomwe timalemba komanso momwe timaziwonera. Personal Finance Insider amafufuza zopereka zosiyanasiyana popanga malingaliro; komabe, sitikutsimikizira kuti izi zikuyimira zinthu zonse kapena zoperekedwa zomwe zikupezeka pamsika.
Kusamutsa pawaya ndi njira yachangu yosamutsira ndalama - kusamutsa kotereku kumatha kutumiza ndalama nthawi yomweyo kuchokera ku akaunti yanu yakubanki. Ngakhale zitha kukhala zosavuta, kusamutsidwa ku banki kumatha kukhala ndi ndalama zambiri. Ndalama zomwe mumalipira potumiza ndalama zimasiyana malinga ndi komwe mwatumiza komanso kubanki yomwe mumagwiritsa ntchito potumiza ndalamazo.
Citibank, monga Chase Premier ndi Chase Sapphire checking accounts, imaperekanso kusamutsidwa kwa waya kwaulere, zonse zomwe zikubwera ndi zotuluka, ndikuchotsa ndalama zothandizira makasitomala omwe ali ndi akaunti ya Citigold Private Client, komanso kuchotsera pa kutumiza waya kwa makasitomala a Citi Priority. Tumizani mawaya pa intaneti Kusamutsa kwa waya pa foni kapena pamasom'pamaso kumatha kukhala okwera mtengo m'mabanki ena. Kusamutsa kudzera patsamba la banki kumatha kuchepetsa chindapusa. Kwa makasitomala a Chase Bank, mwachitsanzo, kuyambitsa kusamutsa pa intaneti kungapulumutse $ 10. Kulandira kusamutsidwa kuchokera ku akaunti ya ophunzira Maakaunti a ophunzira nthawi zina alibe ndalama zosinthira. Wells Fargo amakubwezerani chindapusa chobweza ndalama zomwe zimabwera kamodzi pamwezi kwa makasitomala omwe ali ndi maakaunti atsiku ndi tsiku olumikizidwa ndi Wells Fargo Campus Card, akaunti yoyang'anira ophunzira kubanki Ganizirani kugwiritsa ntchito kusamutsidwa kwa ACH pamalo anu Mabanki ambiri amalola kusamutsidwa kwa ACH pakati pamaakaunti akubanki. Ngati simukusowa ndalama nthawi yomweyo, kutumiza kwa ACH kungakhale njira yaulere komanso yosavuta yotumizira ndalama. Kutumiza kwa ACH nthawi zambiri kumatha kutenga masiku angapo, koma kusamutsidwa kumeneku nthawi zambiri kumakhala kwaulere.
Mortgage ndalama chowerengera
Kusamutsa pawayilesi kumalola makasitomala kusamutsa ndalama pakompyuta kuchokera ku akaunti yakubanki imodzi kapena mgwirizano wa ngongole kupita ku akaunti ina kwina, nthawi zambiri ndi chindapusa. Izi nthawi zambiri zimakhala zotetezeka komanso zachangu, zomwe zimachitika popanda ndalama kusintha manja, zitha kupangidwa pakati pa mabungwe azachuma ku United States kapena ndi mabungwe akumayiko ena.
Kutumiza kwawaya ndikwabwino kutumiza ndalama zambiri mwachangu. Mwachitsanzo, mutha kutumiza ndalama zokwana $500.000 kuchokera ku akaunti yanu yakubanki kupita kuakaunti yakampani yomwe muli ndi udindo mukamaliza kugula nyumba. Mabungwe azachuma nthawi zambiri amalipiritsa ndalama zotumizira mawaya kuti amalize kuchita izi, ndipo ngati muli ndi chizolowezi chosuntha ndalama zanu, ndalamazo zitha kuwonjezereka.
Mabungwe azachuma amasankha kuchuluka kwa ndalama zomwe angalipitse potumiza mawaya, malinga ndi zina mwa malamulo aboma omwe akugwira ntchito. Lamulo la feduro silichepetsa chindapusa cha kusamutsidwa kwa waya ku United States. Banki kapena bungwe la ngongole liyenera kufotokoza kuchuluka kwa ndalama zolipirira kusamutsa ndi zolipiritsa zina mukatsegula akaunti yanu.
Halifax Mortgage Conditions 2021
Mukalipira china chake ku EU ndi kirediti kadi kapena kirediti kadi, amalonda ndi mabanki sangakulipiritseni ndalama zina - zomwe zimadziwikanso kuti 'chowonjezera' - chifukwa chogwiritsa ntchito khadi inayake. Lamuloli likugwira ntchito
Muyenera kudziwa kuti ngati mumalipira ndalama za EU zomwe si za yuro, wopereka makhadi angakulipitseni ndalama zosinthira ndalama mukamagwiritsa ntchito khadi lanu m'dziko lina. Komabe, khadi
angakufunseni zambiri za khadi lanu kuti akutsimikizireni kusungitsa malo. Wamalonda angakufunseninso kuti mutseke ndalama zinazake pakhadi lanu mukasungitsa malo. Izi zikutanthauza kuti wamalonda akusunga gawo la ngongole yanu
