Mortgage ndalama chowerengera
Ngati mukuganiza za eni nyumba ndikudabwa momwe mungayambire, mwafika pamalo oyenera. Pano tikambirana zofunikira zonse za ngongole zanyumba, kuphatikizapo mitundu ya ngongole, zolemba zanyumba, njira yogulira nyumba, ndi zina zambiri.
Pali zochitika zina zomwe zimakhala zomveka kukhala ndi ngongole panyumba panu ngakhale mutakhala ndi ndalama zolipirira. Mwachitsanzo, katundu nthawi zina amabwerekedwa kuti amasule ndalama zamabizinesi ena.
Ngongole zanyumba ndi ngongole "zotetezedwa". Ndi ngongole yotetezedwa, wobwereka amalonjeza chikole kwa wobwereketsa ngati atalephera kulipira. Pankhani ya ngongole, chitsimikizo ndi nyumba. Ngati mukulephera kubweza ngongole yanu, wobwereketsayo atha kutenga nyumba yanu, mwanjira yomwe imadziwika kuti kutseka.
Mukalandira ngongole, wobwereketsa wanu amakupatsani ndalama zina zogulira nyumbayo. Mukuvomera kubweza ngongoleyo - ndi chiwongola dzanja - pazaka zingapo. Ufulu wa wobwereketsa panyumba umapitilirabe mpaka ngongoleyo italipidwa mokwanira. Ngongole zobwezeredwa mokwanira zimakhala ndi nthawi yolipira, chifukwa chake ngongoleyo imalipira kumapeto kwa nthawi yake.
Mndandanda wa Ndalama za Mwini
Timalandila chipukuta misozi kuchokera kwa othandizana nawo omwe amatsatsa patsamba lino. Sitinawunikenso zonse zomwe zilipo kapena zotsatsa. Kulipiridwa kungakhudze dongosolo lomwe zotsatsa zimawonekera patsamba, koma malingaliro athu akonzi ndi mavoti satengera chipukuta misozi.
Zambiri kapena zonse zomwe zili pano ndi zochokera kwa anzathu omwe amatipatsa ntchito. Umu ndi momwe timapangira ndalama. Koma kukhulupirika kwathu kwa mkonzi kumatsimikizira kuti malingaliro a akatswiri athu sakukhudzidwa ndi chipukuta misozi. Zoyenera zitha kugwira ntchito pazotsatsa zomwe zikuwonekera patsambali.
Mukuganiza zokhala ndi nyumba koyamba? Kukhala mwini nyumba kungakhale chisankho chabwino kwa anthu ambiri aku America. M'misika yambiri ya nyumba ku United States, ogulitsa nyumba amauza anthu ofuna kugula nyumba kuti kukhala ndi nyumba ndikotsika mtengo kusiyana ndi kupanga lendi malo ofanana. Ndipo nthawi zambiri zimakhala zowona, pamalipiro anu anyumba ndi ndalama zomwe mungalipire renti. Komabe, kubweza ngongole ndi imodzi yokha ya ndalama zomwe muyenera kuzidziwa, ndipo pangakhale ndalama zina zobisika. Poganizira izi, nazi ndalama 10 zomwe zingatheke kamodzi komanso zopitilira za umwini wanyumba zomwe muyenera kukonzekera musanayambe kugula.
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Pali mitundu ingapo ya ndalama zomwe zimalipidwa pofunsira ngongole yanyumba. Zina mwa ndalamazi zimagwirizana mwachindunji ndi ngongole yanyumba ndipo palimodzi zimapanga mtengo wa ngongole. Ndalama izi ndi zomwe muyenera kuziganizira posankha ngongole yanyumba.
Ndalama zina, monga misonkho ya katundu, nthawi zambiri zimalipidwa ndi ngongole yanyumba, koma kwenikweni ndi ndalama za umwini wa nyumba. Muyenera kuwalipira kaya munabwereketsa nyumba kapena ayi. Ndalamazi ndizofunika posankha kuchuluka kwa ndalama zomwe mungakwanitse. Komabe, obwereketsa samayang'anira ndalamazi, kotero simuyenera kusankha wobwereketsa yemwe angasankhe malinga ndi kuyerekezera kwawo kwa ndalamazi. Posankha ngongole yobwereketsa, ndikofunika kutenga mitundu yonse ya ndalamazo. Ngongole yokhala ndi malipiro ochepa pamwezi ikhoza kukhala ndi ndalama zoyambira zokwera kwambiri, kapena ngongole yobwereketsa yokhala ndi zotsika mtengo zoyambira ikhoza kukhala ndi malipiro apamwamba pamwezi. Ndalama za mwezi uliwonse. Malipiro apamwezi nthawi zambiri amakhala ndi zinthu zinayi: Kuphatikiza apo, mungafunike kulipira chindapusa cha dera kapena kondomu. Ndalamazi zimalipidwa mosiyana ndi malipiro a mwezi uliwonse. Ndalama zoyambira. Kuphatikiza pa malipiro otsika, muyenera kulipira mitundu ingapo ya ndalama potseka.
Ndalama zanyumba kuti mupewe
Pali mitundu ingapo ya ndalama zomwe zimalipidwa mukatenga ngongole yanyumba. Zina mwa ndalamazi zimagwirizana mwachindunji ndi ngongole yanyumba ndipo, pamodzi, zimapanga mtengo wa ngongole. Ndalama izi ndi zomwe muyenera kuziganizira posankha ngongole yanyumba.
Ndalama zina, monga misonkho ya katundu, nthawi zambiri zimalipidwa ndi ngongole yanyumba, koma kwenikweni ndi ndalama za umwini wa nyumba. Muyenera kuwalipira kaya munabwereketsa nyumba kapena ayi. Ndalamazi ndizofunika posankha kuchuluka kwa ndalama zomwe mungakwanitse. Komabe, obwereketsa samayang'anira ndalamazi, kotero simuyenera kusankha wobwereketsa yemwe angasankhe malinga ndi kuyerekezera kwawo kwa ndalamazi. Posankha ngongole yobwereketsa, ndikofunika kutenga mitundu yonse ya ndalamazo. Ngongole yokhala ndi malipiro ochepa pamwezi ikhoza kukhala ndi ndalama zoyambira zokwera kwambiri, kapena ngongole yobwereketsa yokhala ndi zotsika mtengo zoyambira ikhoza kukhala ndi malipiro apamwamba pamwezi. Ndalama za mwezi uliwonse. Malipiro apamwezi nthawi zambiri amakhala ndi zinthu zinayi: Kuphatikiza apo, mungafunike kulipira chindapusa cha dera kapena kondomu. Ndalamazi zimalipidwa mosiyana ndi malipiro a mwezi uliwonse. Ndalama zoyambira. Kuphatikiza pa malipiro otsika, muyenera kulipira mitundu ingapo ya ndalama potseka.
