Chiwongola dzanja chokhazikika
Ngongole Zanyumba Ubwino ndi kuipa kwa chiwongola dzanja chokhazikika…Zinenero Zilipo Daragh Cassidy Chief Wolemba Anthu ambiri akusankha mitengo yokhazikika kuposa mitengo yosinthika chifukwa imapereka bata ndi mtendere wamalingaliro. Izi zati, chiwongola dzanja chilichonse chimakhala ndi zabwino ndi zoyipa zake. Mutha kudziwa kusiyana pakati pa kubwereketsa kosinthana ndi ngongole yobwereketsa (ngati simukudziwa, dinani apa), koma kodi mukudziwa zabwino ndi zoyipa za chilichonse? Ndipo mukudziwa kuti ndi mtundu uti womwe umakwaniritsa zosowa zanu?
Kusinthasintha mosakayikira ndiko mwayi waukulu kwambiri wosinthika. Simuyenera kuda nkhawa ndi zilango ngati mukufuna kuonjezera malipiro anu a mwezi uliwonse, kulipira msanga kapena kusinthana ndi obwereketsa, komanso mukhoza kupindula ndi kutsika kwa chiwongoladzanja cha ECB (ngati wobwereketsa wanu akuwayankha).
Mitengo yosinthika ilibe kukhazikika kapena kulosera, zomwe zikutanthauza kuti muli pachiwopsezo cha kusintha kwamitengo. Inde, chiwongoladzanja chikhoza kutsika panthawi ya ngongole, koma ikhoza kukweranso. Kusintha kwamitengo ndikovuta kuneneratu ndipo zambiri zitha kuchitika pakangongole yazaka 20 kapena 30, ndiye kuti mutha kukhala pachiwopsezo chazachuma posankha mtengo wosinthika.
Chitsanzo chokhazikika cha ngongole yanyumba
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.
Ubwino ndi kuipa kwa ngongole zanyumba zosinthika
Ngati ndinu watsopano kumasewera ogula kunyumba, mwina mudadabwa ndi kuchuluka kwa mawu omwe mwamva ndikuwerenga. Mutha kukhala ndi chiwongola dzanja chokhazikika kapena mtengo wosinthika. Mutha kukhala ndi nthawi ya zaka 15 kapena 30, kapenanso nthawi yachizolowezi. Ndi zina zambiri.
Zikuwonekeratu kuti muyenera kusankha mtundu wanji wangongole womwe uli woyenera kwa inu. Koma musanasankhe ngati ngongole yobwereketsa ikumveka kwa inu, muyenera kudziwa zoyambira zamtundu wanji wangongole ndi momwe zimagwirira ntchito.
Chiwongola dzanja chokhazikika ndi njira yobwereketsa nyumba yokhala ndi chiwongola dzanja chodziwika panthawi yonse ya ngongoleyo. Kwenikweni, chiwongoladzanja cha chiwongola dzanja sichidzasintha nthawi yonse ya ngongoleyo ndipo chiwongola dzanja cha wobwereka ndi malipiro ake onse azikhala chimodzimodzi mwezi uliwonse.
Ngongole Yokhazikika Yazaka 30: Chiwongola dzanja cha 5,375% (5,639% APR) ndi mtengo wa 2,00 point(s) ($6.000,00) wolipidwa potseka. Pa ngongole ya $ 300,000, mumalipira pamwezi $1,679.92. Kulipira pamwezi sikuphatikiza misonkho kapena ndalama za inshuwaransi. Malipiro enieniwo adzakhala apamwamba. Malipirowo amatengera chiŵerengero cha loan-to-value (LTV) cha 79,50%.
Mitundu ya ngongole zanyumba
Posankha ngongole yanyumba, musamangoyang'ana malipiro a mwezi uliwonse. Ndikofunikira kuti mumvetsetse kuchuluka kwa chiwongoladzanja chomwe chiwongola dzanja chimakuwonongerani, nthawi yomwe ingakwere, komanso zomwe malipiro anu adzakhale atachitika.
Nthawi imeneyi ikatha, ipita ku standard variable rate (SVR), pokhapokha itabweza ngongole. Mtengo wosinthika ukhoza kukhala wokwera kwambiri kuposa wokhazikika, womwe ukhoza kuwonjezera zambiri pamagawo anu amwezi.
Ngongole zambiri tsopano ndi "zonyamula", kutanthauza kuti zitha kusamutsidwa kupita kumalo atsopano. Komabe, kusunthaku kumawonedwa ngati ntchito yatsopano yobwereketsa ngongole, chifukwa chake muyenera kukwaniritsa macheke a wobwereketsayo ndi njira zina zomwe zivomerezedwe kubwereketsa.
Kutenga ngongole yanyumba nthawi zambiri kumatha kutanthauza kungosunga ndalama zomwe zilipo pa kuchotsera komwe kulipo kapena mgwirizano womwe wakhazikika, ndiye kuti muyenera kusankha chinthu china pangongole zina zilizonse zosuntha, ndipo mgwirizano watsopanowu sungakhale wofanana ndi mgwirizano watsopano. mgwirizano.
Ngati mukudziwa kuti mukuyenera kubweza nthawi yobweza ngongole iliyonse yatsopano, mungafune kuganizira zotsatsa zomwe zili ndi ndalama zochepa kapena osabweza msanga, zomwe zimakupatsani ufulu wogula pakati pa obwereketsa ikafika nthawi. suntha
