Mortgage Late Fee Calculator
Malo obwereketsa ndi chindapusa chomwe muyenera kulipira kwa eni nyumba yanu monga momwe mungabwereke ndi kubwereketsa nyumba. Popeza ndalama zobwereketsa pansi zikuphatikizidwa muzochita zobwereketsa, ziyenera kulipidwa zikafunsidwa.
Mwininyumbayo akhoza kukulandani zinthu zomwe zingakuchititseni kutaya nyumba yanu. Kulandidwa kumafanana ndi kukongoletsa ndipo kungayambitse kutha kwa lendi. Mwiniwake atha kungoyambitsa kulanda ngati:
Ndalama zolipirira nthawi zambiri zimalipira zinthu monga kukonza, kuyeretsa, ndi ntchito zogawana monga omenyera pakhomo ndi minda yam'deralo. Nthawi zina amalipiranso inshuwaransi yomanga, koma mutha kulipira padera.
Mwininyumbayo akhoza kukulandani zinthu zomwe zingakuchititseni kutaya nyumba yanu. Kulandidwa kumafanana ndi kukongoletsa ndipo kungayambitse kutha kwa lendi. Mwiniwake atha kungoyambitsa kulanda ngati:
Ndalama zolipirira ntchito zazikulu ndi ndalama zilizonse zowononga £250 kapena kupitilira apo. Kuti muwonetsetse kuti ndinu oyenera kulipira, woyang'anira kapena loya ayenera kukupatsani zidziwitso zonse za Gawo 20. (Chonde onani apa kuti mudziwe zambiri pazidziwitso za Gawo 20). Kulephera kupereka zidziwitso za Gawo 20 kumatanthauza kuti mosasamala kanthu za kuchuluka kwake, amaloledwa kunena mpaka £250.
chindapusa cha mwezi uliwonse ku banki yaku America $12
Kupeza ngongole sikumangokhalira kubweza pamwezi. Muyeneranso kulipira misonkho monga msonkho pamilandu yolembedwa (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 pangano la ngongole langofunsidwa ndipo nthawi zambiri silibwezeredwa, ngakhale ngongoleyo italephera. Ena opereka ngongole amaphatikiza ngati gawo la chindapusa, 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.
Ndalama zolipirira pamwezi woyamba National Bank
Zingakhale zabwino kuganiza kuti, pambuyo pa tsiku lotseka, simuyeneranso kudandaula za kusintha kwa ndalama za mwezi uliwonse zomwe mumalipira ngongole yanu pansi pa mgwirizano wanu. Tsoka ilo, sizowona nthawi zonse. Othandizira ngongole, kapena mabungwe omwe amapereka makuponi obwereketsa nyumba ndikukonza zolipira zanu, angakulipireni chindapusa chawo. Ngati mumvetsetsa milanduyi, mudzakhala pakati kuti mupewe.
Ngongole yanu ikatsekedwa, ngongole zanyumba zimapita kugawo lothandizira, pomwe malipiro anu amwezi uliwonse amatoleredwa mpaka ngongoleyo italipidwa. Ndi udindo wa wogwira ntchito kupereka malipiro aakulu ndi chiwongoladzanja kwa wobwereketsa ngongole, yemwe nthawi zambiri amakhala munthu pa msika wa bondi.
Gawo lina lachiwongola dzanja, nthawi zambiri pafupifupi 0,25%, limabisidwa kubweza kwa mwezi uliwonse ndi kampani yobwereketsa nyumba yomwe imakonza zolipirira zanu ndi mawu. Popeza iyi ndi gawo lokhalo la ndalama zomwe zimabisidwa kwa wobwereketsa nyumba, simulipira ntchito ina iliyonse.
Malipiro a Aib
Mabanki ambiri amalipiritsa ndalama zolipirira mwezi uliwonse pa macheke ndi kusunga maakaunti, ndalama zomwe zingawonjezeke mwachangu. Koma mabanki ena amachotsa ndalamazo nthawi zina, zomwe zimalola anthu kupewa izi mwezi uliwonse.
Zolemba mkonzi: Credit Karma imalandira chipukuta misozi kuchokera kwa otsatsa ena, koma izi sizikhudza malingaliro a akonzi athu. Otsatsa athu sawunika, kuvomereza kapena kuvomereza zomwe talemba. Ndi zolondola malinga ndi zomwe tikudziwa komanso chikhulupiriro chathu zikasindikizidwa.
Tikuganiza kuti ndikofunikira kuti mumvetsetse momwe timapangira ndalama. Kwenikweni, ndi losavuta. Zopereka zazinthu zachuma zomwe mumaziwona papulatifomu yathu zimachokera kumakampani omwe amatilipira. Ndalama zomwe timapeza zimatithandiza kukupatsani mwayi wopeza ziwongola dzanja zaulere ndi malipoti ndipo zimatithandiza kupanga zida zathu zina zazikulu zophunzirira.
Malipiro amatha kukhudza momwe zinthu zimawonekera papulatifomu yathu (komanso motsatana bwanji). Koma chifukwa nthawi zambiri timapanga ndalama mukapeza zomwe mukufuna ndikuzigula, timayesetsa kukuwonetsani zomwe tikuganiza kuti ndi zoyenera kwa inu. Ndicho chifukwa chake timapereka zinthu monga kuvomera ndi kuyerekezera kosunga ndalama.
