Nthawi yachidule ya ngongole yanyumba
Ngongole ndi mtundu wangongole womwe malo ndi nyumba amagwiritsidwa ntchito ngati chikole. Ngongole yobwereketsa nthawi zambiri imagwiritsidwa ntchito kulipirira nyumba kapena malo ogulitsa, kotero simuyenera kulipira ndalama zonse kutsogolo. Wobwereka amabwezera ngongoleyo, ndi chiwongoladzanja ndi chiwongoladzanja, kwa nthawi yambiri kudzera mu "zobwezera." Wobwereketsa nthawi zambiri amalembedwa pamutu wa katundu mpaka wobwerekayo atabweza ngongole yonse.
Mtengo wokhazikika: Uwu ndi mtundu wa ngongole yanyumba momwe chiwongoladzanja chimakhazikitsidwa kwa nthawi inayake, nthawi zambiri pakati pa chaka chimodzi kapena zisanu. Ndiye kaya mitengo ya wobwereketsa ikwera kapena kutsika, mudzalipiranso ngongole zanyumba zomwezo pa nthawi yonse yokhazikika.
Ngongole yokhazikika yokhazikika ndi njira yabwino kwa anthu omwe akufuna kupanga bajeti mosamala. Ikhozanso kukhala njira yabwino kwa ogula nyumba oyamba omwe akukonzekera kubweza ngongoleyo, komanso kwa osunga ndalama omwe akufuna kuonetsetsa kuti ndalama zikuyenda bwino m'malo awo ogulitsa.
Avereji ya nthawi yobwereketsa
Nthawi yobweza ngongole yanyumba ndi zaka 25. Komabe, malinga ndi kafukufuku wopangidwa ndi L&C Mortgages, kuchuluka kwa ogula koyamba kwazaka 31 mpaka 35 kuwirikiza kawiri pakati pa 2005 ndi 2015.
Tiyerekeze kuti mukugula katundu wa £250.000 pamtengo wa 3% ndipo muli ndi gawo la 30%. Kubwereka £175.000 pazaka 25 kukuwonongerani £830 pamwezi. Ngati zaka zina zisanu ziwonjezedwa, malipiro a pamwezi amachepetsedwa kufika pa mapaundi 738, pamene ngongole ya zaka 35 idzangotengera mapaundi 673 pamwezi. Ndizo mapaundi 1.104 kapena mapaundi 1.884 kuchepera chaka chilichonse.
Komabe, ndikofunikira kuyang'ana mgwirizano wanyumba kuti muwone ngati mutha kubweza. Kukwanitsa kuchita popanda zilango kumakupatsani kusinthasintha ngati mukukweza kapena kugwa kwa ndalama. Mukhozanso kulipira ndalama za mgwirizano ngati nthawi zimakhala zovuta.
Ndikoyenera kuganizira, popeza ndalama zilizonse zomwe mumayika kubwereketsa kubwereketsa kupitilira muyeso wa pamwezi zimafupikitsa kutalika kwangongole, ndikukupulumutsirani chiwongola dzanja pa moyo wanu wonse wangongole.
calculator ya ngongole
Malangizo a ngongole ya FHA akunena kuti mbiri yakale pakali pano sikufunika. Komabe, wobwereketsayo ayenera kulemba zaka ziwiri za ntchito yapitayi, sukulu, kapena usilikali, ndikufotokozera mipata iliyonse.
Wopemphayo ayenera kungolemba mbiri ya ntchito zaka ziwiri zapitazi. Palibe vuto ngati wobwereketsa wasintha ntchito. Komabe, wopemphayo ayenera kufotokoza mipata iliyonse kapena kusintha kwakukulu.
Apanso, ngati malipiro owonjezerawa achepa pakapita nthawi, wobwereketsa akhoza kuchotsera, poganiza kuti ndalamazo sizikhala zaka zina zitatu. Ndipo popanda mbiri yazaka ziwiri yolipira nthawi yowonjezereka, wobwereketsa mwina sangakulole kuti mubwereze pa chiwongola dzanja chanu.
Pali zosiyana. Mwachitsanzo, ngati mumagwira ntchito ku kampani imodzi, kugwira ntchito yomweyi, ndikukhala ndi ndalama zofanana kapena zabwino, kusintha kwa malipiro anu kuchoka ku malipiro kupita ku ntchito zonse kapena pang'ono sikungakupwetekeni.
Masiku ano si zachilendo kuti antchito apitirize kugwira ntchito ku kampani imodzi ndikukhala "alangizi", ndiko kuti, ali odzilemba okha koma amapeza ndalama zofanana kapena zambiri. Olemba awa akhoza kukhala pafupi ndi ulamuliro wa zaka ziwiri.
Kodi ngongole yanthawi yochepa ndi chiyani?
Malingaliro ophatikizanawa amapezeka kokha kudzera mwa oyimira pakati. Kuti mumve zambiri zamomwe mungasungire The Mortgage Works ndi ntchito za NFI nthawi imodzi, chonde werengani kalozera wathu wa Let to Buy file.
Kuti mutithandize kukonza pempho lanu, chonde tumizani pasanathe masiku 15 kuti ntchitoyo ithe. Ngati mukudziwa kuti kasitomala wanu sangathe kumaliza ntchitoyo mkati mwa nthawi yowonjezera, chonde lembani pempho latsopano chifukwa palibe zowonjezera.
Adalandiridwa. Zimagwira ntchito ngati wopemphayo amaliza kubwereketsa ngongole yofanana kapena yokulirapo ndikusunga chiwongola dzanja chofanana cha gawo latsopanolo popanda kulipiritsa kubweza msanga. Kutengera kukwanilitsa njira zobwereketsa zamakampani panthawi yofunsira.
Kufunsira kugula katundu wopezedwa kudzera m'makalabu/mafakitale ogulitsa nyumba sikuvomerezedwa. Awa nthawi zambiri amakhala makampani omwe amapereka kugula katundu mwachangu kuchokera kwa wogulitsa wina ndikugulitsa kwa wogula wina.
