2022 Mndandanda wa Zolemba za Ngongole Yanyumba
Kuti njira yobwereketsa nyumba ipite mwachangu momwe mungathere, ndi bwino kuti mukonze zolemba zanu musanalembe. Obwereketsa nthawi zambiri amafunikira zolemba zotsatirazi kuti zitsagana ndi fomu yanu yobwereketsa:
Komanso dziwani kuti mutha kugwiritsa ntchito chiphaso chanu choyendetsa galimoto ngati umboni wa dzina lanu kapena umboni wa adilesi (onani pansipa), koma osati zonse ziwiri. Khadi liyenera kukhala lovomerezeka ndikuwonetsa adilesi yanu; Ngati ikuwonetsa adilesi yanu yakale, ngakhale mukuganiza kuti adilesi yanuyi ndi yanthawi yochepa, muyenera kuyisintha.
P60 ndi fomu yoperekedwa ndi kampani yanu kumapeto kwa chaka chilichonse chandalama (Epulo) ndipo imawonetsa ndalama zonse zomwe mumapeza, misonkho ndi zopereka za Social Security mchaka chatha. Osati onse obwereketsa ngongole amafunikira, koma zingakhale zothandiza kukhala ndi mafunso okhudza mbiri ya ndalama.
Muyenera kupeza lipoti lanu la ngongole, makamaka kuchokera ku Equifax kapena Experian, yomwe imagwiritsidwa ntchito kwambiri ndi obwereketsa nyumba. Kulipira mochedwa, kubweza ngongole ndi zigamulo zakhothi zitha kukhudza kuchuluka kwa ngongole yanu ndipo zitha kuchititsa kuti pempho likukanidwe.
Zofunikira pakubweza ngongole ku UK
Zofunikira za ngongole zaumwini zimasiyana ndi wobwereketsa, koma pali zinthu zingapo - monga ngongole ya ngongole ndi ndalama - zomwe obwereketsa amaziganizira nthawi zonse poyang'ana olembetsa. Musanayambe kufunafuna ngongole, dziwani zofunikira zomwe muyenera kukumana nazo komanso zolemba zomwe muyenera kupereka. Kudziwa izi kungakuthandizeni kukonza njira yofunsira komanso kukulitsa mwayi wanu wopeza ngongole.
Chiwongola dzanja cha wopempha ndi chimodzi mwazinthu zofunika kwambiri zomwe wobwereketsa amaziganizira akamayesa kubwereketsa ngongole. Ngongole zimayambira pa 300 mpaka 850 ndipo zimachokera pa zinthu monga mbiri yolipira, kuchuluka kwa ngongole zomwe zatsala, komanso kutalika kwa mbiri yangongole. Obwereketsa ambiri amafuna kuti olembetsa akhale ndi zochepera pafupifupi 600 kuti ayenerere, koma obwereketsa ena amabwereketsa kwa omwe akufunsira popanda mbiri yangongole.
Obwereketsa amaika zofuna za ndalama kwa obwereka kuti atsimikizire kuti ali ndi njira zobweza ngongole yatsopano. Zofunikira zochepa zopeza ndalama zimasiyanasiyana malinga ndi wobwereketsa. Mwachitsanzo, SoFi imaika malipiro osachepera $45.000 pachaka; Zomwe amapeza pachaka za Avant ndi $20.000 chabe. Komabe, musadabwe ngati wobwereketsa sakuwulula zofunikira zomwe amapeza. Ambiri samatero.
Zolemba za Mortgage pdf
Pamapeto pake waganiza zongogula nyumba yatsopano. Kodi munayamba mwadzifunsapo zomwe zimachitika kuseri kwazithunzi ndi mafunso, zofunikira ndi zinthu zomwe zimapangitsa kusiyana pakati pa kuvomereza ndi kukana?
Popeza ntchito yathu ndikupatsa anthu ammudzi zida ndi maphunziro ndikupangitsa kuti aliyense azidziwitsidwa, ophunzitsidwa komanso opatsa mphamvu ogula, apa tipereka chithunzithunzi cha momwe wolembetsa amawunikiranso pempho (aka munthu amene amasankha zotsatira za pempho lawo). Sabata iliyonse, tidzafotokozera mozama chilichonse/C - choncho khalani maso pa zomwe timayika sabata iliyonse!
Ngongole imatanthawuza kulosera za kubweza kwa wobwereketsa kutengera kusanthula kwa kubweza kwawo kwangongole m'mbuyomu. Kuti mudziwe kuchuluka kwangongole kwa wopemphayo, obwereketsa adzagwiritsa ntchito avareji ya ngongole zitatu zomwe zanenedwa ndi mabungwe atatu angongole (Transunion, Equifax ndi Experian).
Popenda zinthu zandalama zomwe munthu ali nazo, monga mbiri yolipira, ngongole yonse motsutsana ndi ngongole zonse zomwe zilipo, mitundu ya ngongole (yozungulira motsutsana ndi ngongole yotsalira), wobwereketsa aliyense amapatsidwa mphambu yangongole yomwe ikuwonetsa kuthekera kwa ngongole yoyendetsedwa bwino ndi yolipidwa. Kuchuluka kwapamwamba kumasonyeza kwa wobwereketsa kuti pali chiopsezo chochepa, zomwe zimamasulira mulingo wabwinoko komanso nthawi yabwino kwa wobwereka. Wobwereketsa adzayang'ana ngongoleyo posachedwa, kuti awone mavuto omwe angakhalepo (kapena ayi).
Kodi ndingapezeko ngongole?
Kusaka nyumba kungakhale kosangalatsa komanso kosangalatsa, koma ogula kwambiri ayenera kuyamba ntchitoyi ku ofesi ya wobwereketsa, osati pakhomo. Ogulitsa ambiri amayembekezera ogula kukhala ndi kalata yovomerezeka kale ndipo adzakhala okonzeka kuthana ndi omwe akuwonetsa kuti angapeze ndalama.
Chiyeneretso cha chiwongoladzanja chingakhale chothandiza monga kuyerekezera kuchuluka kwa ndalama zomwe munthu angakwanitse kuwonongera nyumba, koma chivomerezo choyambirira ndi chofunika kwambiri. Zikutanthauza kuti wobwereketsa wayang'ana ngongole ya wogulayo ndipo watsimikizira zolembedwazo kuti avomereze ndalama zinazake zangongole (kuvomereza kumatenga nthawi inayake, monga masiku 60-90).
Ofuna kugula amapindula m'njira zingapo pokambirana ndi wobwereketsa ndikupeza kalata yowavomereza. Choyamba, ali ndi mwayi wokambirana zosankha za ngongole ndi bajeti ndi wobwereketsa. Chachiwiri, wobwereketsa adzayang'ana ngongole ya wogula ndikuwulula zovuta zilizonse. Wogula adzadziwanso kuchuluka kwa ndalama zomwe angabwereke, zomwe zingawathandize kukhazikitsa mtengo wamtengo wapatali. Kugwiritsa ntchito chowerengera chanyumba ndi njira yabwino yopangira bajeti.
