Ngongole zanyumba zosiyanasiyana
Ngakhale tikudziwa kuti chiwongola dzanja ndichofunika kwambiri, sichiyenera kukhala chokhacho chosankha. Zinthu zomwe zimakulolani kuti muthe kulipira ngongole yanu mofulumira, popanda malipiro kapena malipiro, zingakhale zofunikira kwambiri posankha njira yoyenera kwa inu.
Omwe ali ndi akaunti ya Advance amasangalala ndi kuchotsera kwa chiwongola dzanja chokha, komanso mwayi wopeza chithandizo ndi zida zomwe amafunikira kuti athe kuwongolera ngongole zawo, kusamalira ndalama zawo ndi ngongole, ndikuyamba kusunga ndalama, kuti mutha kupindula kwambiri ndi zomwe muli nazo, lero ndi mawa.
Omwe ali ndi akaunti ya Advance amasangalala ndi kuchotsera kwa chiwongola dzanja chokha, komanso mwayi wopeza chithandizo ndi zida zomwe mungafune kuti muchepetse ngongole zanu, kuyendetsa bwino ndalama zanu ndi ngongole, ndikuyamba kupanga ndalama zomwe mwasunga, kuti mutha kupindula kwambiri ndi zomwe muli nazo. , lero ndi mawa.
Malipiro a ngongole amasiyana kuti muthe kugwiritsa ntchito mwayi womwe ukugwirizana ndi momwe mulili panopa. Kudzipereka kwakanthawi kochepa komanso kwakanthawi kumakhala ndi ubwino wake. Tidzakuthandizani kupanga chisankho choyenera.
chidwi chosinthika
Yankho lofulumira ndi inde, mutha kuswa mgwirizano wanu wangongole yokhazikika nthawi yake isanathe, koma nthawi zonse sibwino kutero. Panthaŵi imodzimodziyo, ndi mitengo yokhazikika yobwereketsa nyumba ikadali pafupi ndi kutsika, eni nyumba ambiri amakono angapeze kuti kuchita zimenezo kungakhale chida chothandiza kubwezera ndalama m’thumba lawo. Chifukwa chake, kudziwa momwe mungaswe komanso nthawi yochotsera ngongole yanyumba yokhazikika ndikofunikira kukumbukira.
Zowonadi, ngati muli ndi ngongole yobwereketsa, mwina mukulipira zambiri kuposa momwe mungafunikire, ndipo kudziwa ngati mutha kubweza ngongole yobwereketsa lingakhale funso lofunika kudzifunsa. Chifukwa ngati mutathyola ngongole yobwereketsa, mutha kusunga masauzande a madola pamalipiro angongole pamwezi chaka chilichonse, osatchulanso moyo wangongole. Kuti mudziwe zambiri ngati mungapindule (ndi ndalama zingati zomwe mungabweze m'thumba mwanu) pokonzanso kapena kubwezeretsanso ngongole yanu yanyumba, ingowerenganibe. Ndikofunika kudziwa kuti ngakhale obwereketsa ambiri amakhala ndi zilango zolipiriratu, Rocket Mortgage® alibe.
Ngongole yokhazikika
Zizindikiro zodziwika bwino ndi monga Constant Maturity Treasury (CMT) ya chaka chimodzi, Cost of Funds Index (COFI), ndi London Interbank Offered Rate (LIBOR). Obwereketsa ena amagwiritsa ntchito mtengo wawo wandalama monga index, m'malo mogwiritsa ntchito ma index ena. Izi zimachitidwa pofuna kuonetsetsa kuti wobwereketsa apeza malire, omwe mtengo wake wa ndalama nthawi zambiri umagwirizana ndi index. Chifukwa chake, ndalama zomwe wobwereka amalipira zimatha kusiyanasiyana pakapita nthawi kutengera kusinthika kwa chiwongola dzanja (mwina, nthawi yobwereketsa ingasinthe). Izi ndizosiyana ndi ngongole yolipira pang'onopang'ono, yomwe imapereka ndalama zosinthira koma chiwongola dzanja chokhazikika. Mitundu ina ya ngongole zanyumba ndi monga chiwongola dzanja chokha, chiwongola dzanja chokhazikika, chiwongola dzanja chamtengo wapatali, ndi ngongole zanyumba zolipirira mabaluni.
Mitengo yosinthika imasamutsa zina mwa chiwongola dzanja kuchokera kwa wobwereketsa kupita kwa wobwereka. Zitha kugwiritsidwa ntchito ngati chiwongola dzanja chosayembekezereka chikupangitsa kukhala kovuta kupeza ngongole zokhazikika. Wobwereka amapindula ngati chiwongoladzanja chikugwa, koma amataya ngati chiwongoladzanja chikukwera. Wobwereka amapindula ndi malire otsika pamtengo wangongoleyo poyerekeza ndi mtengo wokhazikika kapena ngongole zanyumba zokhazikika.
Tanthauzo la mtengo wokhazikika
Ndikofunika kumvetsetsa kusiyana pakati pa chiwongoladzanja chosinthika ndi chiwongoladzanja chokhazikika ngati mukuganiza zotenga ngongole. Kaya mukupempha chiwongola dzanja chatsopano, kubweza ngongole yanu yanyumba, kapena kupempha ngongole yaumwini kapena kirediti kadi, kumvetsetsa kusiyana pakati pa chiwongola dzanja chokhazikika kungakuthandizeni kusunga ndalama ndikukwaniritsa zolinga zanu zachuma.
Ngongole yosinthana ndi ngongole yomwe chiwongola dzanja chomwe chikugwiritsidwa ntchito ku ndalama zomwe zatsala zimasiyana malinga ndi chiwongola dzanja cha msika. Chiwongola dzanja chomwe chimaperekedwa pangongole yosinthika chimalumikizidwa ndi benchmark kapena index, monga kuchuluka kwa ndalama za federal.
Zotsatira zake, malipiro anu amasiyananso (malinga ngati malipiro anu akuphatikizidwa ndi chiwongoladzanja ndi chiwongoladzanja). Mutha kupeza chiwongola dzanja chosinthana pa ngongole zanyumba, makhadi a ngongole, ngongole zaumwini, zotuluka, ndi ma bond amakampani.
Ngongole zokhazikika ndi ngongole pomwe chiwongola dzanja chogwiritsidwa ntchito pangongole chidzakhazikika nthawi yonse ya ngongoleyo, mosasamala kanthu kuti chiwongola dzanja chamsika chimachita chiyani. Izi zipangitsa kuti malipiro anu azikhala ofanana nthawi yonseyi. Kaya ngongole yokhazikika ndi yabwino kwa inu zidzadalira malo omwe mumatenga chiwongola dzanja pa nthawi yomwe mumatenga ngongoleyo komanso kutalika kwa ngongoleyo.
