Ndi zokhazikika kapena zosinthika bwino?
Kuphatikiza pa kusankha mitundu yambiri yazinthu zobwereketsa, monga zachizolowezi kapena FHA, mulinso ndi zosankha pankhani yokhazikitsa chiwongola dzanja kuti mupeze ndalama zogulira nyumba yanu. Kunena mwachidule, pali mitundu iwiri ya chiwongola dzanja chokhala ndi zinthu zambiri zosiyanitsira pamitengo yokhazikika komanso yosinthika.
Zokhazikika zimatanthauza zomwezo komanso zotetezeka, pamene kusinthika kumatanthauza kusintha ndi chiopsezo. Ngati mukukonzekera kukhala m'nyumba mwanu kwa nthawi yayitali, simungaganizire zangongole kupatula ngongole yanyumba yokhazikika. Ngati mungasamuke mkati mwa zaka zisanu ndi ziwiri, ndiye kuti ngongole yobwereketsa (ARM) idzakupulumutsirani ndalama. Pafupifupi 12% ya ngongole zonse zanyumba ndi ma ARM, kapena ngongole zanyumba zosinthidwa.
Ngongole zokhazikika nthawi zambiri zimakhala zokwera 1,5 peresenti kuposa ngongole zosinthika kapena zosinthika. (Mawu akuti kubweza ngongole zanyumba ndi kubweza ngongole kumatanthauza chinthu chomwecho.) Ndi ARM, mlingo umakhala wokhazikika kwa zaka zitatu, zisanu, kapena zisanu ndi ziwiri kenako ukhoza kusinthidwa chaka chilichonse. Mwachitsanzo, ngati ndi chiwongola dzanja chazaka zisanu, ngongoleyi imatchedwa 5/1ARM (zaka zisanu zokhazikika, kenako zosinthika pa chaka chilichonse changongole).
Chiwongola dzanja chosinthika
Ngongole zanyumba zokhazikika komanso zobwereketsa zosinthika (ARMs) ndi mitundu iwiri yayikulu ya ngongole zanyumba. Ngakhale msika umapereka mitundu yambiri m'magulu awiriwa, sitepe yoyamba yogula ngongole ndiyo kudziwa kuti ndi iti mwa mitundu iwiri ya ngongole yomwe ikugwirizana ndi zosowa zanu.
Ngongole yokhazikika imayitanitsa chiwongola dzanja chokhazikika chomwe chimakhalabe chomwechi nthawi yonse ya ngongoleyo. Ngakhale kuchuluka kwa chiwongola dzanja ndi chiwongola dzanja chomwe amalipidwa mwezi uliwonse zimasiyanasiyana kuchokera kumalipiro kupita ku malipiro, malipiro onse amakhalabe ofanana, kupanga bajeti kukhala kosavuta kwa eni nyumba.
Tchati chotsatirachi chikuwonetsa momwe ndalama za principal ndi chiwongola dzanja zimasinthira pa moyo wangongole. Mu chitsanzo ichi, nthawi yobwereketsa nyumba ndi zaka 30, wamkulu ndi $ 100.000, ndipo chiwongoladzanja ndi 6%.
Ubwino waukulu wa ngongole yokhazikika ndikuti wobwereketsa amatetezedwa ku kuwonjezereka kwadzidzidzi komanso komwe kungakhale kokulirapo kwa ngongole zanyumba pamwezi ngati chiwongola dzanja chikukwera. Ngongole zandalama zokhazikika ndizosavuta kumva ndipo zimasiyana pang'ono kuchokera kwa wobwereketsa kupita kwa wobwereketsa. Choyipa cha ngongole zanyumba zokhazikika ndikuti chiwongola dzanja chikakhala chokwera, zimakhala zovuta kubwereketsa chifukwa zolipira sizitsika mtengo. Chowerengera chobwereketsa chikhoza kukuwonetsani zovuta zamitengo yosiyanasiyana pakulipira kwanu pamwezi.
Ngongole zabwino kwambiri zokhazikika
Kuyesera kulosera za chiwongola dzanja pa ngongole zanyumba kungakhale bizinesi yowopsa, koma kwenikweni, eni nyumba onse amatero, kaya amasankha pamtengo wosinthika kapena mtengo wokhazikika. Ngati ndinu watsopano kumsika kapena mukuda nkhawa kuti chiwongola dzanja chidzakwera posachedwa, kutseka zonse kapena gawo la ngongole yanu kungakhale njira yabwino.
Ngongole zakunyumba zimatengera momwe mulili, malingaliro anu ndi zomwe mukufuna. Ngati ndinu watsopano kumsika ndipo simukumva kukhala womasuka kuchitapo kanthu pa ngozi, mungafune kuganizira zosankha ngongole yanyumba yokhazikika, monga momwe osungira nyumba ambiri amachitira zaka zingapo zoyambirira za ngongole yawo yanyumba.
Ngati mukumva kuti muli ndi chidaliro cha chiwongola dzanja ndipo muli okondwa kulipira mofanana ndi obwereketsa ena ambiri (kunena pang'onopang'ono), ngongole yosinthika yanyumba ikhoza kukhala yogwirizana ndi zosowa zanu.
Ngongole yachiwongola dzanja chokhazikika ndi ngongole yanyumba yokhala ndi mwayi wotsekera (kapena 'kutseka') chiwongola dzanja kwa nthawi yoikika (nthawi zambiri pakati pa chaka chimodzi kapena zisanu). Chimodzi mwa ubwino waukulu ndi chitetezo cha kayendedwe ka ndalama. Podziwa momwe ndalama zanu zidzakhalire, mudzatha kukonzekera ndi kukonza bajeti yamtsogolo. Izi nthawi zambiri zimapangitsa kuti ngongole zanyumba zokhazikika zizidziwika kwambiri ndi osunga ndalama pazaka ziwiri kapena zitatu zoyamba kukhala ndi malo.
Ubwino ndi kuipa kwa mtengo wobwereketsa wosinthika
Chiwongola dzanja chandalama zokhazikika zimakhazikika munthawi yonse ya ngongole yanyumba. Malipiro amayikidwa pasadakhale pa nthawiyo, kukupatsani chitetezo chodziwa ndendende momwe ndalama zanu zidzakhalire nthawi yonseyi. Ngongole zokhazikika zimatha kutsegulidwa (zitha kuthetsedwa nthawi iliyonse popanda mtengo wosweka) kapena kutsekedwa (ndalama zosweka zimagwira ntchito ngati zathetsedwa asanakhwime).
Ndi chiwongola dzanja chosinthika, malipiro a ngongole amakhazikika pa nthawiyo, ngakhale kuti chiwongola dzanja chikhoza kusinthasintha panthawiyo. Ngati chiwongola dzanja chikutsika, zolipirira zambiri zimapita pakuchepetsa chachikulu; ngati mitengo ikwera, ndalama zambiri zimapita ku chiwongola dzanja. Ngongole zosinthika zimatha kutsegulidwa kapena kutsekedwa.
