Kodi ndiyenera kulipira ngongole yanga yanyumba?
"Ngati mukufuna kupeza ufulu wazachuma, muyenera kuchotsa ngongole zonse, inde, zomwe zikuphatikizapo ngongole yanu," wolemba zandalama komanso wothandizira nawo "Shark Tank" ya ABC akuuza CNBC Make It. pofika zaka 45, zonse zimachokera. ngongole za ophunzira ku ngongole za kirediti kadi zalipidwa, akutero O'Leary.
Kodi mutha kupeza ngongole yanyumba yazaka 30 mutakula? Choyamba, ngati muli ndi njira, palibe zaka zomwe zingagule kapena kukonzanso nyumba. Lamulo la Equal Credit Opportunity Act limaletsa obwereketsa kutsekereza kapena kuletsa aliyense kupeza ngongole yanyumba malinga ndi zaka.
Bwanji osalemba nyumba yanu msanga? Pokubweza ngongole yanu yanyumba, mukuwonetsetsa kuti ndalama zanu zabweza pafupifupi zofanana ndi chiwongola dzanja cha ngongoleyo. Kulipira ngongole yobwereketsa msanga kumatanthauza kuti mukugwiritsa ntchito ndalama zomwe zikanakhazikitsidwa kwina kwa moyo wonse wangongole, mpaka zaka 30.
Kulipira ngongole yobwereketsa msanga ndi njira yabwino yopezera ndalama pamwezi ndikulipira chiwongola dzanja chochepa. Koma mudzataya kuchotsera msonkho wa chiwongola dzanja, ndipo mutha kupeza zambiri poikapo ndalama m'malo mwake. Musanasankhe zochita, ganizirani mmene mungagwiritsire ntchito ndalama zowonjezera mwezi uliwonse.
Moyo pambuyo pobweza ngongole yanyumba
Di Johnson m'mbuyomu adalandira ndalama zofufuzira kuchokera ku Financial Planning Education Council (FPEC), ndipo wathandizira ntchito zomwe zimathandizidwa pang'ono kapena kuthandizidwa ndi othandizana nawo pantchito yokonzekera zachuma. Ndi Fellow of the Academy of Higher Education, Academic Fellow of the Financial Planning Association (FPA), Fellow of FPEC (Australia), US Academy of Financial Services (AFS), ndi Australian Economics Society. (ESA) , kuphatikizapo Women in Economics Network (WEN). Nkhaniyi ndi gawo la maphunziro azachuma ndi zachuma omwe athandizidwa ndi Ecstra Foundation.
Ngati ndalama zanu zadzidzidzi zikuwoneka bwino ndipo muli ndi ndalama zokwanira zogulira miyezi itatu kapena isanu ndi umodzi ngati ntchito yanu itachotsedwa, funso la ngongole kapena kupuma pantchito ndi njira yabwino yoganizira. Palibe yankho limodzi kwa aliyense.
Poyang'ana koyamba, pali zifukwa zomveka zopezera ntchito; mutha kupezerapo mwayi pazamatsenga zachiwongola dzanja (ndiponso nthawi zina zopuma misonkho), pomwe mitengo yanyumba ndi yotsika.
Chifukwa chiyani simuyenera kulipira ngongole yanu yanyumba?
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.
Nyumbayo imalipidwa mu 45
Ganizirani za ngongole yabwino motere: Kulipira kulikonse kumene mumapanga kumawonjezera umwini wanu wa katunduyo, pamenepa nyumba yanu, zochulukirapo. Koma ngongole zoipa, monga malipiro a kirediti kadi? Ngongole imeneyo ndi ya zinthu zomwe mudalipira kale ndipo mwina mukuzigwiritsa ntchito. Simudzakhalanso "eni" jeans, mwachitsanzo.
Palinso kusiyana kwina kwakukulu pakati pa kugula nyumba ndi kugula katundu ndi mautumiki ambiri. Nthawi zambiri, anthu amatha kulipira ndalama pazinthu monga zovala kapena zamagetsi. “Anthu ambiri sakanatha kugula nyumba ndi ndalama,” akutero Poorman. Izi zimapangitsa kuti ngongole ikhale yofunikira kugula nyumba.
Mukusonkhanitsa ndalama zosungira mukapuma pantchito. Pokhala ndi chiwongola dzanja chochepa kwambiri, "ngati mutaika ndalama zomwe mukadagwiritsa ntchito kubweza ngongole ku akaunti yopuma pantchito, kubweza kwa nthawi yayitali kumatha kupitilira ndalama zomwe mwasunga pobweza ngongole," akutero Poorman.
Langizo: Ngati muli ndi mwayi wokhoza kubweza ngongole yanu mwachangu ndipo lingalirolo likugwirizana ndi ndalama zanu, lingalirani zosamukira ku ndondomeko yolipira kawiri pamlungu, kusonkhanitsa ndalama zonse zomwe mumalipira, kapena kupanga malipiro owonjezera pachaka.
