Ndondomeko ya kubweza ndalama
Pamene chiwongola dzanja cha 2020 ku US chiwongola dzanja chikutsika, kugulitsa nyumba kudakwera chaka chonse. Zambiri za Freddie Mac zikuwonetsa kuti chiwongola dzanja pa ngongole zokhazikika zazaka 30, kuphatikiza zolipiritsa ndi ma point, zidatsika pansi 3% mu Julayi 2020 kwa nthawi yoyamba yolembedwa. Pakati pa ziwongola dzanja zomwe zikutsika, mu Novembala 2020, malonda atsopano ndi omwe alipo kale anali 20,8% ndi 25,8% apamwamba, motero, kuposa chaka cham'mbuyomo, malinga ndi zomwe Office of the Census and the National Association of Realtors.
Njira yolipirira nyumba yobwereketsa imadziwika kuti amortization. Ngongole zokhazikika zimakhala ndi malipiro omwewo pamwezi pa moyo wonse wangongole, ngakhale ndalama zomwe zimalipidwa kwa principal ndi chiwongola dzanja zimasintha chifukwa chiwongola dzanja chimawerengedwa potengera ndalama zomwe zatsala panyumbayo. Chifukwa chake, gawo la malipiro a mwezi uliwonse limasintha kuchoka pa chiwongoladzanja chachikulu kupita kukhala wamkulu pa ngongole yonse. Pansipa pali kuphwanya kwa dongosolo la kubweza ngongole kwa $30 yazaka 200.000 zokhazikika zokhazikika pa 4% APR.
Wobwereketsa nyumba amafuna kuti alipire 20 ndipo amapereka ngongole yazaka 30 ndi chiwongola dzanja cha 3,5
Kwa ambiri aife, kugula nyumba kumatanthauza kutenga ngongole. Ndi imodzi mwa ngongole zazikulu zomwe tikupempha, kotero ndikofunikira kumvetsetsa momwe magawo amagwirira ntchito komanso zomwe mungachite kuti muchepetse.
Ndi ngongole ya amortization, malipiro a mwezi uliwonse amapangidwa ndi magawo awiri osiyana. Mbali ina ya chiwongoladzanja cha mwezi uliwonse idzagwiritsidwa ntchito kuchepetsa chiwongoladzanja chomwe chatsala, pamene yotsalayo idzagwiritsidwa ntchito kubweza chiwongoladzanja cha ngongoleyo.
Mukadzafika kumapeto kwa nthawi yanu yobwereketsa, wamkulu yemwe mudabwereka adzabwezedwa, kutanthauza kuti ngongoleyo idzabwezeredwa mokwanira. Gome lotsatirali likuwonetsa momwe chiwongola dzanja ndi malipiro oyamba zidzasinthire panthawi yobwereketsa.
Komabe, kumapeto kwa zaka 25, mudzafunika kubweza ndalama zokwana £200.000 zomwe mudabwereka poyamba; ngati simungathe, mungafunike kugulitsa malowo kapena kuyang'anizana ndi chiopsezo cholandidwa.
Tiyeni tibwererenso ku chitsanzo chathu cham'mbuyomu cha ngongole yazaka 200.000 ya £25 yokhala ndi chiwongola dzanja cha 3%. Mukalipira ndalama zokwana £90 pamwezi, mutha kubweza ngongoleyo m'zaka 22 zokha, ndikukupulumutsirani zaka zitatu zolipira chiwongola dzanja pa ngongoleyo. Izi zitha kupulumutsa £11.358.
calculator ya ngongole
Ngati nyumba yanu yayamikiridwa, mutha kubweza ndalama zatsopano kuchokera kwa wobwereketsa wanu wanyumba, koma chifukwa choti munabvomereza ngongole yanyumba sizikutanthauza kuti mudzavomerezedwanso, kapena kuti wobwereketsayo. akufunika kuti akulandireni. Pali njira zina zobwereketsa zomwe ziyenera kutsatiridwa musanavomerezedwe kutsogola kwatsopano. M'nkhaniyi tikupatsani zambiri zamomwe mungabwereke zambiri pazinthu zanu.
Ngongole yowonjezera yobwereketsa ndi ngongole yowonjezera kuchokera kwa wobwereketsa wanu pano ndipo imakupatsani mwayi wobwereka ndalama zambiri kunyumba kwanu. Chiwongoladzanja chomwe chimagwiritsidwa ntchito pamalipiro owonjezera nthawi zambiri chimakhala chosiyana ndi chiwongola dzanja choyambirira.
Kubweza kwina kungakhale njira yothandiza kwa wobwereka ngati sakufuna kubweza ngongole kapena kusinthana ndi obwereketsa, ndipo mitengo yomwe imaperekedwa pakubweza kowonjezera ikhoza kukhala yopikisana kwambiri kuposa ngongole zamitundu ina monga makhadi angongole. Ngati panopa muli omangika ndi chinthu, kubweza kwina kwina kungakuthandizeni kubwereka ndalama zambiri popanda kubweza ndalama zolipirira msanga.
Ngongole yanyumba
Ngongole yanyumba ndi ngongole yanthawi yayitali yopangidwira kukuthandizani kugula nyumba. Kuphatikiza pa kubweza likulu, muyeneranso kulipira chiwongola dzanja kwa wobwereketsa. Nyumba ndi malo ozungulira ndi chikole. Koma ngati mukufuna kukhala ndi nyumba, muyenera kudziwa zambiri kuposa izi. Lingaliroli limagwiranso ntchito ku bizinesi, makamaka pankhani ya ndalama zokhazikika komanso zotsekera.
Pafupifupi aliyense amene amagula nyumba amakhala ndi ngongole yanyumba. Mitengo yobwereketsa nyumba imatchulidwa kawirikawiri m'nkhani zamadzulo, ndipo malingaliro okhudza momwe angayendetsere kayendetsedwe kake kakhala gawo la chikhalidwe chazachuma.
Ngongole yamakono idawonekera mu 1934, pomwe boma - kuthandiza dzikolo kudzera mu Kukhumudwa Kwakukulu - lidapanga pulogalamu yanyumba yomwe idachepetsa kubweza komwe kumafunikira panyumba powonjezera ndalama zomwe eni nyumba angabwereke. Izi zisanachitike, kubweza 50% kunkafunika.
Mu 2022, kubweza 20% kumakhala kofunikira, makamaka popeza ngati malipirowo ndi ochepera 20%, muyenera kutenga inshuwaransi yanyumba yachinsinsi (PMI), yomwe imapangitsa kuti malipiro anu amwezi uliwonse akhale apamwamba. Komabe, zomwe zili zofunika sizipezeka kwenikweni. Pali mapulogalamu obwereketsa nyumba omwe amalola kubweza pang'ono, koma ngati mutha kupeza 20%, muyenera.
