Lamulo la sitampu
Ndipo osati izo zokha. Njira yathu yapadera yosinthira chiwongola dzanja imakuthandizani 'patsogolo panjira'. Makasitomala omwe agwira nafe ntchito zaka 8 zapitazi adapeza chiwongola dzanja pa 0,60% panthawi yomaliza yotsika ndipo tsopano apeza chiwongola dzanja chokhazikika pa 1% (2021th quarter of 2) itangotsala pang'ono kukweza. Dziwani momwe timathandizira makasitomala kubweza chiwongola dzanja chawo chanyumba zaka XNUMX koyambirira.
Mutha kuyimbira mabanki mwachindunji, koma amakupatsirani katswiri aliyense wobwereketsa nyumba yemwe akungofuna kukugulitsani phukusi lawo. Apa, mupeza upangiri wathu, upangiri wodziyimira pawokha ndikugwira ntchito ndi netiweki yathu yonse yamabanki akuluakulu, makampani azamalamulo, alangizi azachuma ndi zina zambiri. Osachisiya mwamwayi. Gwirani ntchito ndi broker wodalirika panthawi yonseyi.
* Timawonetsa mtengo wa SORA watsiku ndi tsiku (kusinthasintha kwambiri kwausiku) kuti tipereke chizindikiritso cha mlingo womwe SORA wa mwezi umodzi ndi miyezi itatu SORA ikhala nawo m'miyezi itatu ikubwerayi ngongole yanu ikayamba. Kumvetsetsa njira ya SORA.
Chidziwitso chake ndi malingaliro ake zidatithandizira kwambiri posankha phukusi la ngongole. Zinalinso zabwino kwambiri kufananiza zosankha zosiyanasiyana pamalo amodzi, komanso kukhala ndi mabanki onse ndi kampani yotumiza zamalamulo zomwe tili nazo.
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(3) Wobwereketsayo amaonedwa kuti ali ndi chiopsezo chokwanira cha ngongole, malinga ndi kubwereza kwa mwiniwake wa ngongoleyo malinga ndi zomwe zafotokozedwa mu § 36.4340, kuphatikizapo lipoti la ngongole. Mfundo ya kusakhulupirika posachedwapa sizingalepheretse mwiniwakeyo kudziwa kuti wobwereketsayo tsopano ali ndi chiopsezo chokwanira cha ngongole, malinga ngati mwiniwakeyo atsimikiza kuti wobwereketsayo amatha kuyambiranso kubweza ngongole yanyumba nthawi zonse pamene kusinthidwa kumakhala kothandiza, kutengera kuwunika kwa wobwereketsayo. ndi ndalama zoyembekezeredwa, ndalama, ndi maudindo ena, monga momwe zafotokozedwera mu § 36.4340;
(i) Sichingapitirire kuchuluka kwaposachedwa kwambiri kwa Freddie Mac Primary Mortgage Market Weekly Survey kwazaka 30 zangongole zokhazikika (avareji ya U.S.), zofikira pafupifupi gawo limodzi mwa magawo asanu ndi atatu a 0,125 peresenti (50%), kuyambira tsiku lovomerezeka la Mgwirizano Wosintha, kuphatikiza mfundo XNUMX zoyambira;
(iii) Pankhani ya ngongole yomwe boma, dera, kapena bungwe la boma limapereka chithandizo cha umwini kwa Veteran, ndipo lamulo lopereka chithandizo chotere limaletsa kuwunika kulikonse kwa chiwongola dzanja cha ngongoleyo, ndiye chiwongola dzanja cha ngongole yosinthidwa. ndi wofanana kapena wocheperapo poyerekeza ndi chikalata choyambirira chotsimikizira ngongole;
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Lamulo la 78 ndi njira yomwe obwereketsa ena amagwiritsa ntchito powerengera chiwongola dzanja pa ngongole. Lamulo la 78 limafuna kuti wobwereketsa alipire chiwongola dzanja chochulukirapo kumayambiriro kwa kangongole, zomwe zimachepetsa ndalama zomwe wobwereka angasungire pakubweza kwawo.
Lamulo la 78 limapereka kulemera kwakukulu kwa miyezi ya gawo loyamba la ngongole ya wobwereketsa powerengera chiwongoladzanja, zomwe zimawonjezera phindu kwa wobwereketsa. Ndondomeko yowerengera chiwongoladzanja choterechi imagwiritsidwa ntchito makamaka pa ngongole zokhazikika zomwe sizikuzungulira. Lamulo la 78 ndilofunika kwambiri kwa obwereka omwe akufuna kubweza ngongole zawo msanga.
Lamulo la 78 likunena kuti wobwereka ayenera kulipira chiwongoladzanja chochulukirapo kumayambiriro kwa ngongoleyo, zomwe zikutanthauza kuti wobwereketsa adzalipira zambiri kuposa momwe akanakhalira ndi ngongole yabwino.
Njira ya chiwongola dzanja ya Rule of 78 loan ndiyovuta kwambiri kuposa ya a simple annual percentage rate (APR) ngongole. Komabe, m'mitundu yonse iwiri ya ngongole, wobwereketsa amalipira chiwongola dzanja chofanana pa ngongoleyo ngati alipira nthawi yonse ya ngongole popanda kulipira kale.
Momwe mungawerengere chiwongola dzanja cha ngongole yanyumba ya IRAs
AbstractThis paper imagwiritsa ntchito deta yapadera yochokera ku Lending Club (LC), yomwe ndi yobwereketsa kwambiri pa intaneti ku United States, kuti iwunike zotsatira za kubweza ndalama potengera zomwe wabwereketsa. Tapeza kuti kubweza ndalama kwa wobwereka kumatha kuwonetsa zotsatira zoyipa zangongole. Obwereketsa omwe ali ndi tsankho lozungulira amakhala ndi mwayi wolephera kubweza komanso sangamalipiretu kuposa omwe amabwereka omwe ali ndi ndondomeko yolondola kwambiri ya ndalama. Kuonjezera apo, osunga ndalama samalipidwa chifukwa cha chiopsezo chowonjezereka chokhudzana ndi kuzungulira. Obwereketsa omwe amanena molakwika kuti amapeza ndalama pobweza ngongoleyo amapeza chiwongola dzanja chochepa komanso ngongole zazikulu zokhala ndi nthawi yayitali kuposa omwe salipira. Zotsatirazi zimagwirizana mosiyanasiyana malinga ndi zitsanzo.
