Choyamba Chowerengera Malipiro a Mortgage
Kwa anthu ambiri, malipiro awo a ngongole amalipidwa pa tsiku loyamba la mwezi, mwezi uliwonse. Koma bwanji za malipiro oyamba? Werengani kuti mudziwe zomwe mungayembekezere pamalipiro oyambawo, komanso tsiku lotsekera likugwirizana ndi malipiro oyamba.
Malipiro a ngongole yoyamba nthawi zambiri amakhala oyamba a mwezi, mwezi wathunthu (masiku 30) kuchokera tsiku lotseka. Malipiro anyumba amalipidwa mu zomwe zimadziwika kuti zobweza, zomwe zikutanthauza kuti mudzalipira mwezi wapitawo m'malo mwa mwezi womwe ulipo.
Nthawi ya mwezi yomwe mwatseka ingakhudze nthawi pakati pa kutseka ndi kulipira koyamba. Simukulumpha malipiro otseka kale. Wobwereketsa apitiliza kulandira ndalama za chiwongola dzanjacho ndipo aziphatikiza pamitengo yanu yotseka. Pali nthawi zina pomwe mutha kulipiriratu chiwongoladzanja ndikupanga malipiro oyamba mwezi wachiwiri mutatseka. Malipiro oyamba ayenera kupangidwa nthawi zonse mkati mwa masiku 60 kutseka. Izi zikutanthauza kuti mudzafuna kuwerengera miyezi yomwe ili ndi masiku 31.
Ngati nditseka pa June 1, kodi tsiku langa loyamba lolipira ngongole ndi liti?
Kuwulura: Tsambali lili ndi maulalo ogwirizana, zomwe zikutanthauza kuti timalandira ntchito mukadina ulalo ndikugula zomwe talimbikitsa. Chonde onani ndondomeko yathu yowulula kuti mumve zambiri.
Munthawi zosatsimikizika zino, anthu aku America ambiri amapezeka kuti akufunika thandizo lazachuma kapena thandizo. Izi zikhoza kubwera m'njira zosiyanasiyana, kuphatikizapo kuchedwetsa kulipira ngongole, kulandira ulova, kapena kupeza cheke cholimbikitsana ndi boma, kungotchulapo zochepa chabe. Zikafika panyumba yanu yobwereketsa, chithandizo chikhoza kupezeka mu nthawi yachisomo.
Nthawi yachisomo ingatanthauzidwe ngati nthawi yodziwika pambuyo pa tsiku loyenera la malipiro kapena udindo umene chilango chilichonse chimachotsedwa, malinga ngati udindo kapena malipiro apangidwa panthawiyo. Ngati malipiro onse sanapangidwe mkati mwa nthawi yachisomo, ndalama zochedwa zidzaperekedwa ndipo mabungwe a ngongole adzadziwitsidwa za kusakhazikika kwa ngongole ya nyumba.
Mwinamwake uphungu wofunikira kwambiri umene timalandira ndi wakuti kulipira ngongole yathu panthaŵi yake n’kofunika kwambiri. Ngati sitilipira pa nthawi yake, tikhoza kuyembekezera kuti tidzalipitsidwa ndipo mwina kutsitsa ngongole yathu, ndipo nthawi zina zingatanthauzenso kutaya nyumba yathu. Nthawi yachisomo imachepetsa zotsatilazi, ndikuwonetsetsa kuti zolipiritsa kapena zolakwika zangongole sizichitika nthawi yomweyo ngati simungathe kulipira munthawi yake.
Kukhwima kwa ngongole yanyumba kumakhala kumapeto kwa sabata
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.
Nthawi yachikhululukiro chandalama za banki yaku US
Bukuli lili ndi chilolezo motsatira lamulo la Open Government License v3.0, kupatula ngati tafotokozera. Kuti muwone laisensiyi pitani ku nationalarchives.gov.uk/doc/open-government-licence/version/3 kapena lemberani Gulu Lachidziwitso, The National Archives, Kew, London TW9 4DU, kapena imelo: [imelo ndiotetezedwa].
Bukuli lili ndi chidziwitso chothandiza chokhudza Purchase Assistance: Equity Loan (2021 mpaka 2023), pulogalamu yaboma yogula nyumba. Zikuthandizani kumvetsetsa zomwe zimafunika pakupeza ngongole yotenga nawo mbali, momwe imagwirira ntchito komanso momwe mungalembetsere ngongoleyo.
Pa moyo wa ngongole ya nyumba, chiwongoladzanja chokha pa ndalama zomwe wabwerekedwa ndi zomwe zimalipidwa. Simulipira kalikonse pangongole yokha. Koma mutha kusankha kulipira ngongole yonse kapena gawo lililonse nthawi iliyonse. Ngati mutagulitsa nyumba yanu, mudzayenera kulipira ngongole yonse ya equity.
Ngongole ndi ndalama zomwe amabwereketsa kuti athandizire pamtengo wa katundu. Nthawi zambiri, ngongole imabwerezedwa kwa nthawi inayake ndipo ndalama zokhazikika zimabwezeredwa mwezi uliwonse, kwa nthawi yomwe mwagwirizana.
