zambiri zanyumba
Ndalama zotsekera nyumba ndi ndalama zomwe mumalipira mukatenga ngongole, kaya mukugula malo kapena kubweza ndalama. Muyenera kuyembekezera kulipira pakati pa 2% ndi 5% yamtengo wogulira malo anu pamitengo yotseka. Ngati mutenga inshuwaransi yanyumba, ndalamazi zitha kukhala zokwera kwambiri.
Ndalama zotsekera ndizo ndalama zomwe mumalipira mukatseka pogula nyumba kapena katundu wina. Ndalamazi zikuphatikiza zolipirira ofunsira, zolipirira loya, ndi malo ochotsera, ngati kuli kotheka. Ngati misonkho yogulitsa ndi misonkho ikuphatikizidwa, ndalama zonse zotsekera nyumba zimatha kuyandikira 15% ya mtengo wogulira malo.
Ngakhale ndalamazi zitha kukhala zochulukirapo, wogulitsa amalipira zina mwazo, monga komiti yogulitsa nyumba, yomwe imatha kukhala pafupifupi 6% yamtengo wogula. Komabe, ndalama zina zotsekera ndi udindo wa wogula.
Ndalama zonse zotsekera zolipiridwa pogulitsa nyumba zimasiyana mosiyanasiyana, malinga ndi mtengo wogulira nyumbayo, mtundu wa ngongoleyo, ndi wobwereketsa amene wagwiritsidwa ntchito. Nthawi zina, ndalama zotsekera zimatha kukhala zotsika ngati 1% kapena 2% yamtengo wogulira malo. Nthawi zina - zokhudzana ndi obwereketsa ngongole ndi ma agent a nyumba, mwachitsanzo - ndalama zotsekera zimatha kupitilira 15% ya mtengo wogulira malo.
Kutseka Mtengo Calculator
Popeza obwereketsa amagwiritsa ntchito ndalama zawo powonjezera ngongole zanyumba, nthawi zambiri amalipira chindapusa cha 0,5% mpaka 1% ya mtengo wangongole, zomwe zimalipidwa ndi ngongole zanyumba. Komitiyi imawonjezera chiwongola dzanja cholipidwa - chomwe chimatchedwanso kuti pachaka (APR) - pa ngongole yanyumba ndi mtengo wonse wanyumba. APR ndi chiwongoladzanja cha chiwongoladzanja cha ngongole kuphatikizapo ndalama zina.
Mwachitsanzo, ngongole ya madola 200.000 yokhala ndi chiwongola dzanja cha 4% pazaka 30 ili ndi 2%. Chifukwa chake, ndalama zoyambira za wogula nyumba ndi $4.000. Ngati mwininyumba asankha kulipirira chindapusa choyambira limodzi ndi ndalama zangongole, izi zidzakulitsa chiwongola dzanja chawo, chowerengedwa ngati APR.
Obwereketsa nyumba amagwiritsa ntchito ndalama kuchokera kwa omwe amawasungira kapena kubwereka ndalama kumabanki akuluakulu ndi chiwongola dzanja chochepa kuti apange ngongole. Kusiyana pakati pa chiwongoladzanja chomwe wobwereketsa amalipiritsa eni nyumba kuti awonjezere ngongole yanyumba ndipo mtengo womwe amalipira kuti abwezere ndalama zomwe adabwereka ndi Yield Spread Premium (YSP). Mwachitsanzo, wobwereketsa amabwereka ndalama pa chiwongoladzanja cha 4% ndikuwonjezera chiwongola dzanja pa chiwongola dzanja cha 6%, ndikupeza chiwongola dzanja cha 2% pa ngongoleyo.
Kodi ndalama zotsekera zikuphatikizidwa munyumba yanyumba?
Mwavomerezedwa kale kuti mubwereke ngongole kuti ikuthandizeni kupeza nyumba yamaloto anu. Kenako mumayika ndalamazo, kusonkhanitsa ndalama zanyumba, kulipira wogulitsa, ndikutenga makiyi, sichoncho? Osati mofulumira kwambiri. Ndalama zina ziyenera kuganiziridwa. Mtengo wotsekawuAmatsegula zenera lotulukira. ndipo ndalama zowonjezera zitha kukhudza zomwe mwapereka, kuchuluka kwa zomwe mwalipira komanso kuchuluka kwa ngongole yanyumba yomwe mukuyenerera. Ochepa okha ndi omwe angasankhe, choncho dziwani za ndalama izi kuyambira pachiyambi.
Mukapeza malo, muyenera kudziwa zonse zokhudza nyumbayo, zabwino ndi zoipa. Kuyang'ana ndi maphunziro kumatha kuwulula zovuta zomwe zingakhudze mtengo wogula kapena kuchedwetsa kapena kuyimitsa kugulitsa. Malipotiwa ndi osankha, koma angakuthandizeni kusunga ndalama pakapita nthawi.
Musanapereke zogulira malo, chitani kayezedwe kanyumbaKutsegula zenera lotulukira.Woyang'anira nyumba amawona kuti chilichonse m'nyumbamo chikuyenda bwino. Ngati denga likufunika kukonzedwa, mudzafuna kudziwa nthawi yomweyo. Kuyang'anira nyumba kumakuthandizani kuti mupange chisankho chodziwa zambiri pakugula nyumba. Panthawi imeneyo, mukhoza kuchokapo osayang'ana kumbuyo.
Kodi obwereketsa nyumba amapeza ndalama zingati pa ngongole iliyonse?
Ndife ntchito yofananira yodziyimira payokha, yothandizidwa ndi zotsatsa. Cholinga chathu ndi kukuthandizani kupanga zisankho zanzeru zachuma popereka zida zolumikizirana ndi zowerengera zachuma, kusindikiza zolemba zoyambirira komanso zopanda tsankho, ndikukulolani kuti muchite 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.
