Ngongole zanyumba zosiyanasiyana
Omwe adagula nyumba zaka ziwiri zapitazi adalipira pafupifupi $647.036, malinga ndi zomwe zachitika posachedwa kuchokera ku Mortgage Professionals Canada. Malipiro apakatikati anali $297.476, omwe akufanana ndi ngongole ya $349.560, malinga ndi zomwe zachitika posachedwa kuchokera ku Equifax Canada.
Ngati mitengo ikwera mpaka 2% pakutha kwa chaka, izi zitha kutanthauza kuti 4,20%. Zikatero, yemwe ali ndi chiwongola dzanja chosinthika muchitsanzo chathu angawone ndalama zake zapamwezi zikukwera mpaka $1.681, pafupifupi $300 kuposa momwe adayambira mu Januware, kapena $3.600 yochulukirapo chaka chilichonse.
Ndikofunikiranso kuzindikira kuti si onse omwe ali ndi ngongole yanyumba omwe angasinthe zomwe malipiro awo a mwezi uliwonse akusintha. Amene ali ndi chiwongola dzanja chokhazikika amangowona ndalama zawo zambiri zikupita ku gawo la chiwongola dzanja, pomwe ndalama zomwe zikupita pakubweza zidzatsika.
"Komanso akumbukire kuti msika wama bond ukupitilizabe kutsika mitengo ya BoC mu 2024 poganiza kuti Banki idzakhala yolimba kwambiri ndipo iyenera kubwerera m'mbuyo chuma chikatsika kuposa momwe amayembekezera," adatero. "Zikatero, aliyense amene angayambe kubweza ngongole yobwereketsa masiku ano azikhala ndi theka la nthawi yake panthawiyo."
Ngongole zanyumba zosiyanasiyana
Ngati mukuyang'ana chiwongoladzanja, mudzapeza kuti mtengo wotsika kwambiri udzakhala wokhoza kusintha. Ndicho chifukwa chake nthawi zambiri timafunsidwa kuti, "Kodi kusintha kumatanthauza chiyani ndipo kumasiyana bwanji ndi ngongole yobwereketsa?"
Ndi chiwongola dzanja chosinthika, chiwongola dzanja chidzasiyana malinga ndi kuchuluka kwa wobwereketsa, zomwe zimatsata kuchuluka kwa Bank of Canada, ndipo nthawi zambiri zimatchulidwa ngati chiwongola dzanja kuchotsera maperesenti ena. Vuto ndilakuti simungadziwiretu kuchuluka kwa makwerero ndi mabala omwe akukuyembekezerani.
Ndi chiwongola dzanja chokhazikika, malipiro anu amakhalabe omwewo pa moyo wanu wangongole, zomwe zimapatsa bata. Mitengo yosasunthika nthawi zambiri imakhala yoyenera kwa ogula nyumba koyamba kapena omwe sanakhale ndi nyumba kwa nthawi yayitali.
Zosintha zambiri zimakupatsani mwayi wosankha "kutsekera" mtengo wokhazikika nthawi iliyonse pagawo lotsala la nthawi yanu yanyumba kapena kupitilira apo. Mukhozanso kutseka malipiro anu kuti akhale momwe angakhalire ngati mutavomereza mtengo wokwera, kukuthandizani kulipira ngongole yanu mofulumira ndikupanga njira yochepetsera ndalama ngati mitengo idzakwera pambuyo pake.
Chiwongola dzanja chandalama m'mbiri yaku US
Ngongole yomwe mtundu ndi kuchuluka kwa ngongole yomwe yalipidwa imakhalabe nthawi yonse ya ngongoleyo. Mwachitsanzo, ngati muli ndi chiwongola dzanja cha 3,44% pa ngongole yokhazikika yazaka 5, mtengowo udzakhala wofanana ndendende zaka 5 zonse ndipo malipiro anu sasintha. Kuchuluka kwa ndalama zolipiridwa kudzakhalanso chimodzimodzi.
Ngongole pomwe chiwongola dzanja chikhoza kutsika kapena kutsika pa moyo wangongole kutengera momwe msika uliri. Malipirowo adzakhalabe ofanana, koma kuchuluka kwa ngongole yobwereketsa kudzawonjezeka kapena kuchepetsedwa malinga ndi kusintha kwa mlingo. Mwachitsanzo, ngati muli ndi ngongole ya 5% ya zaka 2,6, mtengowo ukhoza kutsika mpaka 2,4% kwa zaka 3-5. Malipiro a mwezi uliwonse adzakhalabe ofanana, komabe, kuchuluka kwa ngongole yobwereketsa kudzawonjezeka chifukwa cha mtengo wotsika.
Ubwino - Chitetezo, ogula nyumba ambiri nthawi yoyamba samamvetsetsa chindapusa chonse chokhudzana ndi umwini wanyumba. Ndi chiwongoladzanja chokhazikika, wobwereka amadziwa mtengo wa malipiro pa nthawiyo, motero amawalola kupanga bajeti moyenerera. Komanso, ngati mitengo ikwera, mtengo wokhazikika sudzasintha. Chifukwa chake, zimateteza wobwereketsa ngati mitengo ikwera kuposa momwe alili panopa.
Kodi ndi nthawi yabwino yobwereketsa ngongole ya 2018? pa intaneti
Mu February 2022, chiwongola dzanja cha ngongole zokhazikika zazaka 10 chinali chotsika kwambiri, 2,2%. Kuyambira 2009, mitengo yanyumba yaku UK yakhala ikutsika, zomwe ndi nkhani yabwino kwa ogula nyumba koyamba komanso omwe akubweza katundu wawo. Komabe, kukwera kwa inflation, Bank of England yayamba kukweza pang'onopang'ono kuchuluka kwa banki mu 2022, zomwe zikupangitsa kuti chiwongola dzanja chikwere. Ngakhale kukweraku kumakhudzanso ndalama zobwereketsa, kungathenso kuchepetsa kufunikira kwa nyumba ndikuchepetsa kukwera kwamitengo yanyumba komwe kudayamba kuyambira mliriwu.
Kwa aliyense amene akufuna kubwereketsa nyumba, mudzafuna mitengo yotsika kwambiri. Kwa wobwereketsa, idzafuna kukopa obwereketsa ambiri momwe angathere pomwe ikukhalabe yampikisano, kwinaku akuyesera kuthana ndi zoopsa zake ndi mitengo yoyenera. Mu 2020, obwereketsa atatu apamwamba kwambiri ku UK adapitilira 40% yamsika.
Chiwongola dzanja pamwezi cha mabungwe azachuma aku UK (kupatula Banki Yaikulu) m'zaka zabwino kwambiri za 2 (75% LTV) panyumba zanyumba (paperesenti) zomwe sizinasinthidwe pakanthawi. Ziwerengero zina pamutu wa UK MortgagesMortgages ndi FinancingGross msika wa ngongole zanyumba kuchokera kumabanki akuluakulu aku UK 2020+Mortgages and FinancingFirst-time buyer mortgage ku UK 2020, ndi dera + Makampani a Mortgages and FinancingBuilding omwe amawerengedwa ndi katundu wa gulu ku United States. Kingdom 2020Mortgages and FinancingQuarterly gross mortgage ngongole ku United Kingdom Q4 2018- Q2 2021
