Mitundu ya ngongole zanyumba popanda kulipira
Ngakhale mitundu yonse ya ngongole zanyumba imagwira ntchito mofananamo, zinthu monga chiwongola dzanja, njira zobweza ndi chindapusa zimatha kusiyana pakati pa zinthu zosiyanasiyana. Chifukwa chake, kuti mupeze chopereka chabwino kwambiri, sikokwanira kusankha mtengo wotsikitsitsa, koma muyenera kupeza ngongole yanyumba yomwe ikugwirizana bwino ndi ndalama zanu.
Pofuna kukuthandizani kuti mufulumire, taphatikiza bukhuli kuti lifotokoze mitundu yosiyanasiyana ya ngongole zanyumba zomwe zimapezeka ku UK, komanso kukambirana zabwino ndi zoyipa zake. Choyamba, tiwona kusiyana pakati pa malipiro ndi chiwongola dzanja chokha, mitundu iwiri yomwe muyenera kudziwa. Kenako, tikambirana za ngongole zanyumba zosinthika komanso zokhazikika, zomwe ndi mitundu iwiri ya ngongole zanyumba. Tikambirananso za iwo:
The amortization mortgage ndi mtundu wa kubwereketsa komwe gawo la likulu lomwe labwerekedwa limabwezeretsedwa, komanso gawo la chiwongola dzanja cha ngongoleyo. Cholinga chake ndikubweza ndalama zomwe munabwereketsazo kuphatikiza chiwongola dzanja munthawi yomwe mudagwirizana popanga ngongole yanyumba, zomwe zimakupatsani mwayi wopeza ndalama pakapita nthawi ndikumaliza kukhala eni nyumba yanu.
Ngongole ya FHA
Ngongole yobwereketsa yobwereketsa ndi pamene mapeto a nthawi yoikidwiratu afika, nthawi zambiri amasunthidwa ku mtengo wamtengo wapatali wa wobwereketsa (SVR), pokhapokha mutaganiza zobwerera kubwereketsanso njira ina.
Times Money Mentor adagwirizana ndi Koodoo Mortgage kuti apange chida chofananira ndi ngongole yanyumba. Gwiritsani ntchito kufananiza zomwe mungapeze, koma ngati mukufuna upangiri, ndibwino kuti mulankhule ndi wobwereketsa nyumba:
Obwereka ambiri amakonda kusankha zaka ziwiri kapena zisanu zokhazikika. Ngakhale kuti mawu a zaka 25 anali ofala, kukwera kwa mitengo ya nyumba kukuchititsa kuti anthu ambiri asankhe kubwereketsa ngongole kwa zaka 30.
Izi zimapangitsa kukhala kosavuta kupanga bajeti ndipo zikutanthauza kuti simudzakhala ndi bilu yodzidzimutsa ngati chiwongoladzanja chikukwera. Ngakhale mitengo ikadali yotsika, lingakhale lingaliro labwino kutsekereza mtengo wotsika mtengowo tsopano, chifukwa ukhoza kupitiliza kukwera.
SVR nthawi zambiri imakhala yokwera mtengo kwambiri kusiyana ndi kusankha mtengo wokhazikika kapena mgwirizano wotsatira (mpaka 2% pamwamba), kotero sizingatheke kukhala njira yabwino kwambiri. Chiwongola dzanja chosinthika chimathanso kusinthasintha ndipo sichifunikira kutsatira chiwongola dzanja choyambira, monga momwe zimakhalira ndi ngongole zanyumba zomwe zimatsatiridwa.
Ngongole zanyumba zosiyanasiyana
Zambiri kapena zonse zomwe zaperekedwa patsamba lino zikuchokera kumakampani omwe Insider amalipidwa (kuti mupeze mndandanda wathunthu, onani apa). Malingaliro otsatsa amatha kukhudza momwe zinthu zimawonekera patsamba lino (kuphatikiza, mwachitsanzo, dongosolo lomwe zimawonekera), koma sizikhudza zosankha zilizonse, monga zomwe timalemba komanso momwe timaziwonera. Personal Finance Insider amafufuza zopereka zosiyanasiyana popanga malingaliro; komabe, sitikutsimikizira kuti izi zikuyimira zinthu zonse kapena zoperekedwa zomwe zikupezeka pamsika.
Personal Finance Insider imalemba za malonda, njira, ndi malangizo okuthandizani kupanga zisankho zanzeru ndi ndalama zanu. Titha kulandira kantchito kakang'ono kuchokera kwa othandizana nawo, monga American Express, koma malipoti athu ndi malingaliro athu amakhala odziyimira pawokha komanso zolinga. Mawuwa amagwira ntchito pazotsatsa zomwe zili patsamba lino. Werengani malangizo athu olemba.
Pogula nyumba, muyenera kusankha mtundu wanji wangongole womwe uli woyenera kwambiri. Lingaliro lanu likhoza kutengera kuchuluka kwa ndalama zomwe mukufuna kubwereka komanso momwe ndalama zanu zilili zolimba. Ngati simukuyenerera kubweza ngongole yamtundu umodzi, mutha kupeza ina yomwe ikugwirizana ndi zosowa zanu.
Kodi mitundu 3 ya ngongole zanyumba ndi chiyani?
Ngongole yobwereketsa ndi ngongole yotetezedwa yomwe imapatsa wobwereka ndalama zotsutsana ndi mtengo wamalo omwe adalonjeza. Chakhala chisankho chodziwika pakati pa ambiri chifukwa chimapereka ngongole yochulukirapo pa chiwongola dzanja chochepa, ndi nthawi yobweza yosinthika. Pali mitundu isanu ndi umodzi ya ngongole zanyumba ku India.
Bajaj Finserv imapereka ngongole zanyumba pamipikisano yachiwongola dzanja kuti ikuthandizireni kugula zinthu zofunika kwambiri. Ngongole izi zimaphatikiza zabwino zamitundu yosiyanasiyana yanyumba zanyumba zomwe tazitchula pamwambapa ndikuphatikiza:
Yang'anani mosamala zoyenereza za ngongole zathu zanyumba musanalembe ntchito. Komanso, phunzirani za chiwongola dzanja cha ngongole yanyumba kuti mukonzekere ndalama zanu moyenera. Gwiritsani ntchito mwayi wawo potsatira njira yosavuta ya Mortgage Loan.
