Kodi wazaka 60 akhoza kutenga ngongole yazaka 30?
Boma limapatsa obwereketsa omwe akutenga nawo gawo chitsimikiziro chobwezera gawo la ngongole yobwereketsa yomwe imaposa 80% - ndiye kuti, 15% ngati ngongole yonse ya 95% yapangidwa - pakagwa ngongole yanyumba.
Times Money Mentor adagwirizana ndi Koodoo Mortgage kuti apange chida chofananira ndi ngongole yanyumba. Gwiritsani ntchito kufananiza zomwe mungapeze, koma ngati mukufuna upangiri, ndibwino kuti mulankhule ndi wobwereketsa nyumba:
Padziko lonse lapansi nawonso sakuchita nawo dongosololi, m'malo mwake akuwonjezera kuchuluka kwa ndalama zomwe zidzapereke kwa ogula nyumba nthawi yoyamba mpaka 5,5 nthawi zomwe amapeza, 20% kuposa kuchuluka kwa omwe amabwereketsa ambiri.
Chitsimikizo cha boma chidzakhala chovomerezeka kwa zaka zisanu ndi ziwiri kuchokera pamene ngongole yabwereketsa, zomwe zikutanthauza kuti wobwereketsa adzakhala ndi udindo pazowonongeka zonse zotsatila ngati wobwereketsa alephera kubwereka ngongoleyo.
Times Money Mentor adagwirizana ndi Koodoo Mortgage kuti apange chida chofananira ndi ngongole yanyumba. Gwiritsani ntchito kufananiza zomwe mungapeze, koma ngati mukufuna upangiri, ndibwino kuti mulankhule ndi wobwereketsa nyumba:
Kodi penshoni imawerengedwa ngati ndalama yobwereketsa nyumba?
Komabe, kuyeneretsedwa kubwereketsa ndi ndalama zopuma pantchito kumabwera ndi zofunikira zina. Monga ngati kubwereketsa nyumba musanapume pantchito, muyenera kukhala ndi ndalama zodalirika pano komanso zam'tsogolo zomwe zikuwonetsa kuti mutha kubweza ngongole yanyumba, ngongole yabwino, ndi ngongole yaying'ono. (Msinkhu wanu suyenera kubwera konse: Lamulo la Equal Credit Opportunity Act limaletsa obwereketsa kuti asamasalane ndi omwe akukupemphani ngongole malinga ndi zaka zawo.)
Kupeza ngongole, ngakhale simunapume pantchito, zimatengera ndalama zomwe mumapeza, mbiri yanu yangongole, kuchuluka kwa ngongole, ndi katundu wanu. Kwa opuma pantchito, katundu ndi wofunikira kwambiri chifukwa ambiri sadzakhala ndi ndalama zokhazikika, kupatulapo phindu la Social Security.
"Zimenezi ndizochitika payekha. Anthu ena salota n’komwe kukhala ndi ngongole akapuma pantchito. Ena ali bwino nazo, atero a Peggy Doerge, Purezidenti wa Iowa Mortgage Association komanso wachiwiri kwa wachiwiri kwa purezidenti wazolemba ku MidWestOne Bank. "M'malo mwake, ena opuma pantchito amalangizidwa ndi alangizi awo azachuma kuti akonzenso ndalama zomwe ali nazo pakali pano kapena atenge yatsopano."
Kodi ndingapeze ngongole yazaka 30 ndili ndi zaka 55?
Ukalamba ndi ndalama zokhazikika sizimakulepheretsani kupeza ngongole yanyumba. Ngakhale simukuyenerera kubwereketsa ngongole yayikulu yomwe imafuna ndalama zambiri, mutha kupezabe ngongole yanyumba ndi Social Security nokha. Komabe, kusakhala ndi ndalama zokhazikika kuchokera ku ntchito kapena maakaunti opuma pantchito kumapangitsa kuti kubwereketsa kukhale kovuta kwambiri. Kenako, tikambirana zomwe tingaganizire pofunsira kubwereketsa ndi mapindu a Social Security okha. Pakadali pano, mlangizi wazachuma atha kukuthandizani kukonzekera zopuma pantchito, kuphatikiza kupeza nthawi yabwino yofunsira Social Security.
Yankho lalifupi ndi inde. Palibe malire a zaka zopezera ngongole. Chifukwa cha lamulo la Equal Credit Opportunity Act, obwereketsa saloledwa kusala obwereka potengera mtundu, chipembedzo, dziko komanso zaka. Lamulo la Federal limaletsanso tsankho pamachitidwe angongole pomwe wopemphayo alandila thandizo la anthu, kuphatikiza Social Security.
Izi zikutanthauza kuti ngati ndinu wamkulu ndipo gwero lanu lokhalo la ndalama ndi Social Security phindu, wobwereka sangakukaneni chifukwa cha msinkhu wanu kapena thandizo la anthu. Komabe, muyenera kudziwa kuti obwereketsa amaganizira zomwe mumapeza pamwezi posankha kuvomereza kubwereketsa kwanu. Ndalama zokhazikika kapena zochepa zomwe zimachokera ku Social Security zokha sizingakhale zokwanira kuti wobwereketsa akupatseni ngongole yanyumba.
Kodi ndingapezeko ngongole mpaka liti?
Pamene avareji ya zaka za ogula nthawi yoyamba ikukwera, olembetsa obwereketsa ambiri amakhudzidwa ndi malire azaka. Ngakhale kuti msinkhu ungakhale chinthu chofunika kuchilingalira pofunsira ngongole yanyumba, sikuli chopinga m’pang’ono pomwe kugula nyumba. M'malo mwake, olembetsa omwe ali ndi zaka zopitilira 40 ayenera kudziwa kuti kutalika kwa ngongole yanyumba kuganiziridwa komanso kuti ndalama zomwe amalipira pamwezi zitha kuwonjezeka.
Kukhala woyamba kugula pazaka 40 sikuyenera kukhala vuto. Obwereketsa ambiri amalingalira zaka zanu kumapeto kwa nthawi yobwereketsa, osati poyambira. Izi ndichifukwa choti ngongole zanyumba nthawi zambiri zimaperekedwa kutengera zomwe mumapeza, zomwe nthawi zambiri zimatengera malipiro. Mukapuma pantchito mukulipira ngongole, muyenera kuwonetsa kuti ndalama zomwe mumapeza mutapuma pantchito ndizokwanira kuti mupitilize kubweza ngongoleyo.
Zotsatira zake, nthawi yanu yobwereketsa ingakhale yayifupi, yokhala ndi zaka 70 mpaka 85. Komabe, ngati simungathe kusonyeza kuti ndalama zomwe mumapeza mutapuma pantchito zidzakulipirirani ngongole zanyumba, ngongole yanu yanyumba ikhoza kutsitsidwa mpaka zaka zopuma pantchito.
