Khoti Lalikulu Lalikulu lagamula pazamtengo wokonza nyumba
Anthu akafuna ndalama, kufunafuna njira yobwereketsa nthawi zambiri kumakhala komaliza. Chinthu choyamba chomwe chimabwera m'maganizo nthawi zambiri ndi kupita kubanki kukatenga ngongole yokhazikika kapena yosinthika, kugwiritsa ntchito kirediti kadi, kubwereka kwa abwenzi kapena abale, kapena kugwiritsa ntchito ngongole zapadera za anzawo kapena malo opereka ndalama pa intaneti. . Choyipa kwambiri, pali masitolo ogulitsa pawn kapena obwereketsa tsiku lolipira.
Makampani akhala akugwiritsa ntchito njira zangongole kwazaka zambiri kuti akwaniritse zosowa zawo zogwirira ntchito komanso / kapena kupezerapo mwayi pazachuma mwanzeru, koma sanakhalepo otchuka kwambiri pakati pa anthu. Izi zitha kukhala chifukwa, mwa zina, chifukwa mabanki nthawi zambiri satsatsa malonda angongole ndipo omwe angakhale obwereketsa saganizira kufunsa. Ngongole yokhayo yomwe ingabwere ndi Home Equity Line ya Ngongole kapena HELOC. Koma ndi ngongole yotetezedwa ndi nyumba ya wobwerekayo, yomwe ili ndi mavuto ake komanso zoopsa zake.
Mzere wangongole ndi ngongole yosinthika kuchokera kubanki kapena mabungwe azachuma. Monga khadi la ngongole limene limakupatsani ndalama zochepa - ndalama zomwe mungagwiritse ntchito nthawi, ngati mukufuna komanso momwe mukufunira - mzere wa ngongole ndi ndalama zomwe mungathe kuzipeza pamene mukuzifuna ndi zomwe mungathe kuzibwezera. nthawi yomweyo kapena mkati mwa nthawi yokonzedweratu. Mofanana ndi ngongole, mzere wa ngongole udzalipiritsa chiwongoladzanja kuyambira pamene ndalama zabwereka, ndipo obwereketsa ayenera kuvomerezedwa ndi banki, chivomerezo choterocho chimachokera ku mlingo wa ngongole wa wobwereketsa ndi/kapena ubale wawo ndi banki. Kumbukirani kuti chiwongoladzanja nthawi zambiri chimakhala chosiyana, zomwe zimapangitsa kuti zikhale zovuta kufotokoza zomwe ndalama zobwereka zidzakuwonongerani.
Lamulo lolipiritsa ndalama zokhazikika
Nthawi zambiri pamakhala ndalama zingapo zomwe zimagwirizana ndi ngongole. Izi zikuphatikiza zolipiritsa, monga chiwongola dzanja choyambira ndi chiwongola dzanja, komanso zolipiritsa zenizeni, monga zolipiritsa zopezera akaunti yapaintaneti ndi kubweza kwa EMI. Musanapemphe ngongole, ndikwabwino kuyang'ana mwatsatanetsatane pamitengo yonseyi kuti muwongolere kayendetsedwe kabwino kazachuma.
Ngongole yaumwini ndi chida chodalirika pankhani yopezera zosowa zachuma. Komabe, ndizofunikirabe kusunga ndalama zomwe mudzawononge mukatenga ngongole komanso panthawi yobweza. Izi zidzakuthandizani kupanga zisankho zolondola ndikuwonetsetsa kuti mubweza njira yabwino yobwezera. Choncho, kaya mukufuna kutenga ngongole kuti mukonzekere ulendo wapadziko lonse kapena kukonzanso nyumba yanu ndi zowonjezera zamakono, onetsetsani kuti mwawerenga ndalama zomwe zimagwirizana nazo kuti muthe kukonzekera ndalama zanu moyenera.
Mosasamala kanthu kuti mwasankha chiwongola dzanja chokhazikika kapena chosinthika, ngati munalipira kale EMI ya mwezi umodzi ndipo mukufuna kubweza ngongole yanu polipira ndalama zonse mundalama imodzi, mutha kulipidwa mwadzina kuphatikiza misonkho yomwe ingagwire ntchito. principal wabwino.
Chigamulo cha Supreme Court pa alimony wa kampaniyo
Poganizira zogula nyumba pamaziko a umwini wogawana, m'pofunika kuti mudziwe mtengo wogula malowo komanso ndalama zomwe mukuyenera kulipira mwezi uliwonse mutasamukira ku nyumba yanu yatsopano.
Mukagula umwini wogawana nawo, mudzayenera kulipira ndalama. Izi ndi ndalama zomwe mumalipira pamtengo wa katundu womwe mukugula panthawi yogula. Ndalama zomwe zimafunikira kuti musungidwe zimasiyana kuchokera ku katundu kupita ku katundu, koma gawo la umwini wagawo ndi 5% kapena 10% ya gawo lomwe mukugula.
Monga wogula koyamba, pogula malo ogawana nawo mudzakhala ndi mwayi wolipira sitampu pamtengo wathunthu wa malowo ngati mukugula basi. Choyipa ndi mtengo woyamba, pomwe ubwino ndikuti simudzalipiranso msonkho wa chikalata, ngakhale mutagula malo onse pambuyo pake pamtengo wapamwamba.
Mukhozanso kusankha kulipira msonkho wa chikalata pokhapokha pa gawo lomwe mumagula, lomwe lingakhale locheperapo la ndalama zomwe zimaloledwa kwa ogula koyamba. Pakhoza kukhalanso msonkho wa rendi woperekedwa pa nthawi yobwereketsa (ndalama zolipira), zomwe zimatchedwa "mtengo wapano". Ubwino wake ndikuti ndalama zomwe zidachitika panthawi yogula zimachepetsedwa, pomwe choyipa ndichakuti mtengo wathunthu ukhoza kukhala wapamwamba pamene 80% kapena kupitilira kwa katunduyo wapezedwa.
Malamulo a Rera pamitengo yokonza
Mabanki ambiri amalipiritsa ndalama zolipirira mwezi uliwonse pa macheke ndi kusunga maakaunti, ndalama zomwe zingawonjezeke mwachangu. Koma mabanki ena amachotsa ndalamazo nthawi zina, zomwe zimalola anthu kupewa izi mwezi uliwonse.
Zolemba mkonzi: Credit Karma imalandira chipukuta misozi kuchokera kwa otsatsa ena, koma izi sizikhudza malingaliro a akonzi athu. Otsatsa athu sawunika, kuvomereza kapena kuvomereza zomwe talemba. Ndi zolondola malinga ndi zomwe tikudziwa komanso chikhulupiriro chathu zikasindikizidwa.
Tikuganiza kuti ndikofunikira kuti mumvetsetse momwe timapangira ndalama. Kwenikweni, ndi losavuta. Zopereka zazinthu zachuma zomwe mumaziwona papulatifomu yathu zimachokera kumakampani omwe amatilipira. Ndalama zomwe timapeza zimatithandiza kukupatsani mwayi wopeza ziwongola dzanja zaulere ndi malipoti ndipo zimatithandiza kupanga zida zathu zina zazikulu zophunzirira.
Malipiro amatha kukhudza momwe zinthu zimawonekera papulatifomu yathu (komanso motsatana bwanji). Koma chifukwa nthawi zambiri timapanga ndalama mukapeza zomwe mukufuna ndikuzigula, timayesetsa kukuwonetsani zomwe tikuganiza kuti ndi zoyenera kwa inu. Ndicho chifukwa chake timapereka zinthu monga kuvomera ndi kuyerekezera kosunga ndalama.
