Kodi obwereketsa nyumba amayang'ana chiyani mumasitatimendi akubanki?
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.
Kodi mabanki amayang'ana chiyani akamafunsira ngongole yanyumba
Chifukwa chake mukuyang'ana kugula nyumba yanu yoyamba, chisankho chazachuma chomwe chingakhale chachikulu chomwe mungapange. Kuti mupange chisankho mwanzeru, muyenera kudziphunzitsa nokha za njira yobwereketsa nyumba. Pali njira zingapo zomwe muyenera kuchita musanayambe kufunafuna nyumba yanu yatsopano. Nkhaniyi ikugawanitsa ndondomekoyi m'magawo atatu: 1) ndondomeko yolemberatu / yoyenerera; 2) kugwiritsa ntchito, kulembetsa ndi kuvomereza njira; ndi 3) kutseka.
Ichi ndi sitepe yofunika kwambiri kuti mupange chisankho mwanzeru. Kuti mudziwe zambiri, mutha kupeza Ginnie Mae Mortgage Calculator pa www.ginniemae.gov, yomwe ingakuthandizeni kudziwa kuchuluka kwa ngongole yomwe mungakwanitse. Ngati malipiro anu adzakhala osakwana 20%, mudzayenera kulipira "inshuwaransi yanyumba yachinsinsi" yomwe idzaphatikizidwa ngati gawo la malipiro anu a mwezi uliwonse. Mukamalipira ndalama zambiri, mumafunika kubwereka ndalama zochepa, zomwe zikutanthauza kuti mumalipira mwezi uliwonse.
Zomwe obwereketsa nyumba amayang'ana kwa odzilemba okha
Wobwereketsa adzayang'ana lipoti lanu langongole asanakuvomerezeni kubwereketsa ngongole. Musanayambe kugula ngongole yanyumba, funsani kopi ya lipoti lanu la ngongole. Onetsetsani kuti ilibe zolakwika.
Ndalama zonse zogulira nyumba pamwezi siziyenera kupitirira 39% ya ndalama zonse zapakhomo. Peresenti iyi imadziwikanso kuti gross credit service ratio (GDS). Mutha kubwereketsa ngongole ngakhale chiŵerengero chanu cha GDS chili chokwera pang'ono. Chiŵerengero chapamwamba cha GDS chikutanthauza kuti mukuwonjezera chiopsezo chotenga ngongole zambiri kuposa momwe mungathere.
Ngongole yanu yonse isapitirire 44% ya ndalama zonse zomwe mumapeza. Izi zikuphatikiza ndalama zomwe mumawononga pamwezi komanso ngongole zina zonse. Peresenti iyi imadziwikanso kuti chiŵerengero cha ngongole zonse (TDS).
Mabungwe omwe amayendetsedwa ndi boma, monga mabanki, amafuna kuti muyesetse kupsinjika kuti mupeze ngongole. Izi zikutanthauza kuti muyenera kuwonetsa kuti mutha kulipira pa chiwongola dzanja choyenera. Mtundu uwu nthawi zambiri umakhala wapamwamba kusiyana ndi womwe umapezeka mu mgwirizano wa ngongole.
2022 Mndandanda wa Zolemba za Ngongole Yanyumba
Obwereketsa amaganizira zingapo zofunika kubwereketsa panthawi yofunsira ngongole, kuchokera pamtundu wa malo omwe mukufuna kugula mpaka ngongole yanu. Wobwereketsa adzafunsanso zikalata zingapo zandalama mukafunsira kubwereketsa, kuphatikiza zikalata zaku banki. Koma kodi statement yakubanki imamuuza chiyani wobwereketsayo, kuwonjezera pa ndalama zomwe mumawononga mwezi uliwonse? Werengani kuti mudziwe zonse zomwe wobwereketsa angatenge kuchokera ku manambala omwe ali pasitetimenti yanu yakubanki.
Malipoti aku banki ndi zikalata zandalama za mwezi uliwonse kapena kotala zomwe zimafotokozera mwachidule zomwe mumabanki. Ndemanga zitha kutumizidwa ndi positi, pakompyuta, kapena zonse ziwiri. Mabanki amatulutsa ziganizo kuti akuthandizeni kusunga ndalama zanu ndikuwonetsa zolakwika mwachangu. Tiyerekeze kuti muli ndi akaunti yochezera komanso akaunti yosungira: zochitika zamaakaunti onse awiri zitha kuphatikizidwa mu chiganizo chimodzi.
Malipoti anu aku banki azithanso kufotokoza mwachidule kuchuluka kwa ndalama zomwe muli nazo muakaunti yanu komanso kukuwonetsani mndandanda wazinthu zonse zomwe zachitika pakanthawi yomwe mwapatsidwa, kuphatikiza ma depositi ndi zochotsa.
