Mafunso okhudza kusudzulana ndi kubweza ngongole
Ngati mukukhala ndi bwenzi lanu, muyenera kusankha chochita ndi nyumba yanu pamene mupatukana. Zosankha zomwe muli nazo zimadalira ngati simuli mbeta, ndinu okwatira, kapena ndinu okwatirana, komanso ngati muli ndi nyumba yobwereka.
Ngati munayesapo kale kukonza zinthu ndi wakale wanu ndipo zikukuvutani, mutha kupempha thandizo kuti mugwirizane. Katswiri wotchedwa "mkhalapakati" angakuthandizeni inu ndi mnzanu wakale kupeza yankho popanda kupita kukhoti.
Nthawi zambiri, mukachoka panyumba panu, khonsolo sidzakupatsani chithandizo chanyumba chifukwa 'mwakhala mulibe nyumba dala'. Izi sizikugwira ntchito ngati mutachoka pakhomo panu chifukwa cha nkhanza zapakhomo.
Ngati mwaganiza zothetsa lendi yanu kapena kusamutsa nyumba, khonsolo ingaganize kuti ndi vuto lanu kuti mulibe malo okhala. Izi ndi zomwe zimatchedwa "osakhazikika mwadala". Ngati khonsolo ikuganiza kuti mulibe nyumba mwadala, sangathe kukupezani nyumba zanthawi yayitali.
Ngati ndinu okwatirana kapena okwatirana, nonse muli ndi "ufulu wokhala ndi nyumba". Izi zikutanthauza kuti mutha kukhala m'nyumba mwanu, ngakhale mutakhala kuti mulibe kapena simunalembedwe pa lendi. Mudzasamuka kwamuyaya ngati banja lanu kapena chibwenzi chanu chatha, kapena ngati khoti lalamula, mwachitsanzo, ngati gawo la chisudzulo chanu.
Mgwirizano Wopatukana wa Mortgage
Kusudzulana kapena kupatukana ndi bwenzi la nthawi yaitali kungakhale chinthu chopweteka kwambiri. Komabe, ngati inu ndi mnzanu wakale muli ndi ngongole yobwereketsa, mutha kukhala ndi nkhawa kapena kusokonezeka pazomwe mungachite. Kuti tikuthandizeni kumvetsetsa zoyambira zomwe muyenera kuchita ndi ngongole yanu yanyumba panthawi yachisudzulo kapena kupatukana, taphatikiza chitsogozo chotsatirachi kuti zinthu zimveke bwino komanso mwachiyembekezo kuti zikhale zosavuta kwa aliyense amene akukhudzidwa.
Choyamba, zambiri zomwe zili mu bukhuli zikukhudza nkhani zokhudzana ndi kubwereketsa nyumba ndi mnzanu. Komabe, tikuwunikiranso zina zomwe zingabuke ngati ngongole yanyumba yanu ili m'dzina lanu kapena la mnzanu, kotero kuti anthu omwe ali mumkhalidwewu angapezenso bukhuli kukhala lothandiza.
Lumikizanani ndi wobwereketsa nyumba yanu mwachangu momwe mungathere ndikusintha pazomwe muli nazo, makamaka ngati pali zovuta zolipira. Zoonadi, si kupatukana konse kuli mwamtendere, ndipo mwina mnzanuyo akukana kulipira gawo lawo la ngongole yanyumba kapena pali vuto lina ndi kubweza kwanu. Osadikirira kuti ngongole zanyumba ziyambe kusowa - funsani wobwereketsa wanu nthawi yomweyo ndikufotokozereni momwe zinthu zilili. Obwereketsa omwe sadziwa chifukwa chomwe adabweza sangachite chilichonse kuti athandizire, ndipo ambiri angayamikire kudziwitsidwa pasadakhale za zovuta zilizonse zomwe zingachitike.
Ngongole yobwereketsa yoperekedwa ndi munthu m'modzi
Zosankha zomwe zapangidwa m'panganoli zingakuthandizeni kapena kukupwetekani pozindikira kuchuluka kwa nyumba zomwe mungakwanitse. Ndikofunikira kuwerengera ndalama zomwe mumapeza komanso zomwe mumagwiritsa ntchito nthawi zonse, chifukwa zimatha kukuthandizani kulipira ndikulipira ngongole yatsopano. Kutengera ndi momwe zinthu zilili, mungafunikire kulipira chindapusa kwa loya, ndalama zolipirira ana, ndalama zakulipiritsa, kapena ndalama zina.
Ngati muli ndi udindo wolipira panyumba iliyonse yomwe mungakhale nayo chisudzulo chisanathe, izi zikuphatikizidwa mu DTI yanu. Mosiyana ndi zimenezi, ngati mwamuna kapena mkazi wanu watenga katunduyo, wobwereketsa wanu akhoza kuchotsa malipirowo pazinthu zomwe mukuyenerera.
Pamene okwatirana asudzulana, khoti limapereka lamulo lachisudzulo (lomwe limatchedwanso chiweruzo kapena chigamulo) limene limagaŵa ndalama zawo, ngongole, ndi zinthu zina zaukwati, kudziŵa chimene munthu aliyense ali nacho ndi thayo la kulipirira. Ndibwino kuti mulekanitse ndalama zanu ndi ndalama zanu, chifukwa ngongole yanu iyenera kuwonetsa bwino momwe ndalama zanu zilili.
Zomwe zili pa chithandizo cha ana kapena mapangano a alimony ndizofunikanso. Ngati mupereka malipiro kwa wakale wanu, iwo akuphatikizidwa mu ngongole yanu ya pamwezi. Kumbali ina, ngati mungasonyeze kuti mumalandira malipiro apamwezi omwe apitirire kwakanthawi, izi zingathandize kuti muyenerere kulandira ndalama.
Kodi chingachitike n'chiyani ngati mutasiya kubweza ngongole ndikuchoka?
Mukapatukana ndi okondedwa anu ndikukhala ndi nyumba pakati pa inu nonse, chimodzi mwazosankha zofunika kwambiri pazachuma chomwe mungapange ndi zomwe zimachitika. Dziwani zomwe muyenera kuchita komanso zomwe mungachite ngati simuli pabanja kapena ngati mulibe chibwenzi.
Kodi mwangotsala pang'ono kupatukana ndipo mukufuna kudziwa momwe mungatetezere ufulu wanu wokhala panyumba? Ndiye ndikofunikira kuti muwerenge kalozera wathu Kuteteza Ufulu Wa Mwini Nyumba Panthawi Yopatukana Ngati Ndi Mnzanu Wapakhomo.
Monga okwatirana amene akukhala pamodzi koma osakwatirana kapena m’chibwenzi, alibe thayo la kudzichirikiza iwo eni mwandalama pambuyo pa kulekana. Koma monga makolo, mumayenera kulipira ndalama zolipirira ana anu.
Zimenezi sizikutanthauza kuti munthu amene akukhala m’nyumbamo ndi mwini wake kapena ali ndi mbali yake, koma kuti angakhale ndi ufulu wokhalamo kwa zaka zingapo. Kawirikawiri mpaka mwana wamng'ono kwambiri akafika msinkhu winawake.
Kodi mwalipira ngongole yanyumba, zowongolera kapena zowonjezera? Zikatero, mutha kukhazikitsa zomwe zimatchedwa "chidwi chopindulitsa." Izi zingatanthauze kuti mudzatha kutenga gawo lazachuma la malowo, kapena ufulu wokhalamo.
