Kodi ndingapeze ngongole yanyumba popanda ntchito ngati ndili ndi ndalama?
Chiwerengero cha anthu ogwira nawo ntchito, chomwe chimayesa chiwerengero cha anthu omwe ali ndi zaka zogwira ntchito (zaka 15 mpaka 64) omwe ali m'gulu la anthu ogwira ntchito, ali otsika kwambiri kuyambira m'ma 1970. Mu August, 4,3 miliyoni a ku America anasiya ntchito, apamwamba kwambiri. chiwerengero cha zaka 21, pamene US Bureau of Labor Statistics inayamba kujambula izi mu 2000.
Koma chimachitika ndi chiyani ngati anthu omwe asiya ntchito akufuna kugula nyumba m'miyezi kapena zaka zikubwerazi, makamaka pamene mitengo ya msika wa nyumba ikupitirira kukwera? Ngakhale nkhani za anthu omwe asiya ntchito zawo zimayankha pazifukwa zingapo, monga kuti anali atatopa ndikugwira ntchito m'malesitilanti kuti alandire malipiro ochepa, kuti adaganiza zopuma pantchito, kuti adapeza ntchito zolipira bwino kapena zomwe akufuna. yambitsani bizinesi. Komabe, sizinthu zonse zodziletsa zomwe zimapangidwa mofanana pamaso pa obwereketsa nyumba.
Popeza sanafunikirenso kugwira ntchito m’maofesi a m’mizinda ikuluikulu, ena ogwira ntchito kunyumba anasamukira kunja kwa mizinda ikuluikulu kuti akapeze malo ochulukirapo (ndipo nthaŵi zina, pamtengo wotsika) m’madera akumidzi ndi akumidzi. Ena mwina adangoganiza kuti inali nthawi yoti akwaniritse maloto awo okhala ndi nyumba atakumana ndi mliri wosintha moyo.
Kodi muyenera kugwira ntchito nthawi yayitali bwanji kuti mupeze ngongole yanyumba?
Ngati pempho lanu la chiwongola dzanja likanidwa, pali zinthu zingapo zomwe mungachite kuti mukhale ndi mwayi wovomerezedwa nthawi ina. Osathamangira wobwereketsa wina, chifukwa pulogalamu iliyonse imatha kuwonekera pa fayilo yanu yangongole.
Ngongole zilizonse zamasiku olipira zomwe mudakhala nazo m'zaka zisanu ndi chimodzi zapitazi zidzawonekera pa mbiri yanu, ngakhale mutalipira pa nthawi yake. Zingakhalebe zotsutsana ndi inu, monga obwereketsa angaganize kuti simungathe kukwanitsa kukhala ndi ngongole yanyumba.
Obwereketsa sali angwiro. Ambiri aiwo amalowetsa deta yanu yofunsira mu kompyuta, kotero ndizotheka kuti chiwongola dzanjacho sichinaperekedwe chifukwa cha zolakwika mu fayilo yanu yangongole. Wobwereketsa sangathe kukupatsani chifukwa chenicheni chakulepherera kufunsira ngongole, kusiyapo chifukwa chokhudzana ndi fayilo yanu yangongole.
Obwereketsa ali ndi njira zosiyanasiyana zolembera ndipo amaganizira zinthu zingapo poyesa kubwereketsa kwanu. Zitha kutengera zaka, ndalama, ntchito, chiŵerengero cha ngongole ndi mtengo, ndi malo omwe ali ndi katundu.
Ngongole yokhala ndi ntchito yosakwana chaka chimodzi
Ngati muli ndi ntchito yanyengo ndipo mumagwira ntchito gawo limodzi la chaka, mungakhale ndi vuto lopeza ngongole yogulira kapena kukonzanso nyumba. Kaya ntchito yanu ndi ya nyengo, monga kulima dimba kapena kuchotsa chipale chofewa, kapena ntchito yosakhalitsa yomwe mumagwira nthawi zina, ntchito yamtunduwu imatha kuonedwa ngati wamba.
Muyenera kupereka zolemba, monga mafomu a W-2 ndi zobwereza za msonkho, kuti mutsimikizire kwa inshuwalansi kuti mwagwira ntchito kwa abwana omwewo - kapena kugwira ntchito mofanana - zaka ziwiri zapitazi. Abwana anu ayeneranso kukupatsani zikalata zosonyeza kuti adzakulemberaninso ntchito munyengo yotsatira.
Kukhala ndi zolemba zolondola kungakhale kusiyana pakati pa kuyenerera kubweza ngongole kapena ayi. Musanayambe ntchito yanu yobwereketsa nyumba, onetsetsani kuti muli ndi ma W-2 azaka ziwiri zapitazi, zobweza misonkho, zolipira, zikalata zaku banki, ndi umboni wina uliwonse wamalipiro. Muyeneranso kupereka chitsimikizo kuchokera kwa abwana anu kuti mudzalembedwa ntchito nyengo yotsatira.
Kodi ndingapeze ngongole ngati ndangoyamba ntchito yatsopano?
Kwa obwereketsa ambiri, chimodzi mwazofunikira zoyamba ndi mbiri yogwira ntchito zaka ziwiri, kapena zaka ziwiri mubizinesi kwa obwereka okha. Ngati mulibe zaka ziwiri za mbiri ya ntchito ndipo mwakhala mukuyang'ana ngongole yanyumba, mudzapeza kuti pali obwereketsa ochepa omwe angakuthandizeni.
Zofunikira pa mbiri yantchito zimayendetsedwa ndi malangizo a Fannie Mae ndi Freddie Mac kuti ayenerere ngongole wamba. Obwereketsa achikhalidwe, monga banki yomwe mungapeze m'dera lanu, tsatirani malangizowo.
Ngati mulibe mbiri yathunthu yazaka ziwiri zantchito, mutha kupeza ngongole yogulira nyumba yamaloto anu. Komabe, zidzakhala kudzera mu pulogalamu yomwe si yachikhalidwe. Muyenera kutsimikizira kuti ndinu olembedwa ntchito komanso kuti mumapeza ndalama zokhazikika. Tiyeni tikuthandizeni kupeza wobwereketsa yemwe angavomereze kubwereketsa nyumba popanda zaka ziwiri za mbiri yantchito.
Obwereketsa ambiri samakulolani kuti mukhale ndi mipata pa ntchito popanda kufotokoza kovomerezeka kolembedwa. Mpatawo ukhoza kupangidwa ndi kutaya ntchito komanso nthawi yomwe idatenga kuti mupeze ntchito yatsopano. Zingakhale chifukwa cha matenda kapena kusamaliridwa ndi wachibale. Nthawi zina, mpatawo unachitika mwana wakhanda atabwera padziko lapansi. Nthawi zambiri, pempho la ngongole limakanidwa chifukwa chosowa ntchito. Titha kuthana ndi vutoli ndikuvomereza kuti pempho lanu la ngongole livomerezedwe.
