ndalama mu chitsimikizo
Pa nthawi yonse yogula nyumba yanu, anthu ena - monga loya wanu wa malo ndi nyumba yobwereketsa - akhala akukuthandizani. Ndalama zotsekera zikuphatikiza chindapusa chomwe akatswiriwa (ndi ena) amalipira pazithandizozi kuti amalize kugulitsa malo ndi ngongole yanu yanyumba.
Mitengo yotsekera nthawi zambiri imachokera ku 3% mpaka 6% yamitengo yogulira nyumbayo. Chifukwa chake ngati mugula nyumba yokwana $200.000, ndalama zanu zotsekera zitha kuyambira $6.000 mpaka $12.000. Ndalama zotsekera zimasiyanasiyana malinga ndi dziko, mtundu wa ngongole, ndi wobwereketsa nyumba, choncho m'pofunika kumvetsera kwambiri ndalamazi.
Wobwereketsayo amafunidwa ndi lamulo kuti akupatseni chiyerekezo cha ngongole mkati mwa masiku atatu ogwira ntchito mutalandira fomu yanu yobwereketsa. Chikalata chofunikirachi chikuwonetsa mtengo wotsekera ndi zina zambiri zangongole. Ngakhale kuti ziwerengerozi zingasinthe tsiku lomaliza, sipayenera kukhala zodabwitsa zazikulu.
Masiku atatu abizinesi asanatseke, wobwereketsayo akuyenera kukupatsirani fomu yotseka. Mudzawona ndime yosonyeza mtengo wotsekera womwe unkaganiziridwa poyamba ndi ndalama zotsekera zomaliza, pamodzi ndi gawo lina losonyeza kusiyanako ngati ndalama zakwera. Mukawona ndalama zatsopano zomwe sizinali m'chiyerekezo choyambirira kapena mukuwona kuti ndalama zomwe mumatsekera zakwera kwambiri, funsani nthawi yomweyo kwa wobwereketsa wanu ndi/kapena wogulitsa nyumba.
Kodi wobwereketsa angasinthe chiwongola dzanja akachikhoma?
Ndalama zotsekera zogulira nyumba zimaphatikizapo chiwongola dzanja ndi kuyendera, ndalama zoyambira ngongole, ndi msonkho. Palinso ndalama zina zomwe zingapitirire kubwereketsa nyumba, monga chiwongola dzanja, inshuwaransi yanyumba yabizinesi, ndi chindapusa cha Home Owners Association (HOA).
Zolemba mkonzi: Credit Karma imalandira chipukuta misozi kuchokera kwa otsatsa ena, koma izi sizikhudza malingaliro a akonzi athu. Otsatsa athu sawunika, kuvomereza kapena kuvomereza zomwe talemba. Ndi zolondola malinga ndi zomwe tikudziwa komanso chikhulupiriro chathu zikasindikizidwa.
Tikuganiza kuti ndikofunikira kuti mumvetsetse momwe timapangira ndalama. Kwenikweni, ndi losavuta. Zopereka zazinthu zachuma zomwe mumaziwona papulatifomu yathu zimachokera kumakampani omwe amatilipira. Ndalama zomwe timapeza zimatithandiza kukupatsani mwayi wopeza ziwongola dzanja zaulere ndi malipoti ndipo zimatithandiza kupanga zida zathu zina zazikulu zophunzirira.
Malipiro amatha kukhudza momwe zinthu zimawonekera papulatifomu yathu (komanso motsatana bwanji). Koma chifukwa nthawi zambiri timapanga ndalama mukapeza zomwe mukufuna ndikuzigula, timayesetsa kukuwonetsani zomwe tikuganiza kuti ndi zoyenera kwa inu. Ndicho chifukwa chake timapereka zinthu monga kuvomera ndi kuyerekezera kosunga ndalama.
Kusintha kwa ndalama zangongole musanatseke
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.
Ndalama zanyumba kuti mupewe
Ndife ntchito yofananira yodziyimira payokha, yothandizidwa ndi zotsatsa. Cholinga chathu ndi kukuthandizani kuti mupange zisankho zanzeru zachuma popereka zida zolumikizirana ndi ndalama zowerengera ndalama, kusindikiza zolemba zoyambirira ndi zomwe mukufuna, ndikukulolani kuti mufufuze 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.
