Kodi ngongole yanu ikhale yotani pa ndalama zomwe mumapeza? Dave Ramsey
Gwiritsani ntchito ma quotes kuti mufufuze "mawu enieni". Onjezani nyenyezi (*) ku mawu osakira kuti mupeze mawu osiyanasiyana (transp*, 32019R*). Gwiritsani ntchito chizindikiro (?) m'malo mwa chilembo chimodzi muzosaka kuti mupeze mawu osiyanasiyana (ca?e finds case, canne, care).
COMMISSION STAFF WORKING DOCUMENT Report on Belgium 2017 motsagana ndi chikalata COMMUNICATION FROM THE COMMISSION TO THE EUROPEAN PARLIAMENT, THE COUNCIL, THE EUROPEAN CENTRAL BANK NDI EUROGROUP 2017 European Semester: Kuwunika kwa kukonzanso, kuwongolera ndi kuwongolera zotsatira za kusamvana, kusalinganika ndi kuwongolera za ndemanga zakuya zomwe zidachitika pansi pa Regulation (EU) No 1176/2011 {COM(2017) 90 final} {SWD(2017) 67 final to SWD(2017) 93 final}
COMMISSION STAFF WORKING DOCUMENT Report on Belgium 2017 motsagana ndi chikalata COMMUNICATION FROM THE COMMISSION TO THE EUROPEAN PARLIAMENT, THE COUNCIL, THE EUROPEAN CENTRAL BANK NDI EUROGROUP 2017 European Semester: Kuunika kwa kukonzanso kwadongosolo, kusalinganika ndi kuwongolera zotsatira za kusalinganika, kusalinganika ndi kukonzanso za ndemanga zakuya zomwe zidachitika pansi pa Regulation (EU) No 1176/2011 {COM(2017) 90 final} {SWD(2017) 67 final to SWD(2017) 93 final}
Chowerengera chiwongola dzanja cha kirediti kadi yaku UK
Koma bwanji ponena za eni nyumba anthaŵi yaitali? Zaka 30 zolipirira chiwongola dzanja zitha kuyamba kumva ngati zolemetsa, makamaka poyerekeza ndi zolipira zangongole zomwe zimakhala ndi chiwongola dzanja chochepa.
Komabe, ndi kukonzanso zaka 15, mutha kupeza chiwongola dzanja chochepa komanso nthawi yayifupi yobwereketsa kuti mulipire ngongole yanu mwachangu. Koma dziwani kuti kufupikitsa kwa nthawi yobwereketsa nyumba yanu, ndiye kuti ndalama zomwe mumalipira pamwezi zimakwera.
Pachiwongola dzanja cha 5% pazaka zisanu ndi ziwiri ndi miyezi inayi, ndalama zomwe mwabweza zikakhala $135.000. Sikuti adangopulumutsa $59.000 pachiwongola dzanja, koma ali ndi ndalama zowonjezera pambuyo pa ngongole yoyambirira yazaka 30.
Imodzi mwa njira zophweka zopangira malipiro owonjezera chaka chilichonse ndi kulipira theka la malipiro anu a ngongole kwa milungu iwiri iliyonse m'malo molipira ndalama zonse kamodzi pamwezi. Izi zimadziwika kuti "malipiro akawiri pa sabata."
Komabe, simungangoyamba kulipira milungu iwiri iliyonse. Wobwereketsa wanu akhoza kusokonezeka polandira malipiro ochepa komanso osakhazikika. Lankhulani ndi wothandizira ngongole yanu poyamba kuti mugwirizane pa dongosololi.
Ndimapanga $70.000 pachaka, ndi ndalama zingati zogulira nyumba?
Kulipira ngongole yanu yobwereketsa msanga kungakuthandizeni kuti mukhale okhazikika pazachuma ndipo kungapulumutse ndalama pakapita nthawi mwakupeza chiwongola dzanja chochepa. Nazi njira zina zomwe mungalipire ngongole yanu mwachangu:
Njira ina yosungira ndalama pa chiwongoladzanja, ndikuchepetsa nthawi yobwereketsa, ndikulipira ndalama zowonjezera. Ngati wobwereketsa sakulipira chilango polipira ngongole yanu mwamsanga, ganizirani njira zotsatirazi kuti muthe kulipira ngongole yanu mwamsanga.
Ingokumbukirani kudziwitsa wobwereketsa kuti ndalama zanu zowonjezera ziyenera kuperekedwa kwa mphunzitsi wamkulu, osati chiwongola dzanja. Kupanda kutero, wobwereketsayo angagwiritse ntchito ndalamazo kumalipiro okonzekera mtsogolo, zomwe sizingakupulumutseni ndalama.
Komanso, yesani kubweza msanga ngongoleyo, pamene chiwongola dzanja chili chokwera. Simungazindikire, koma zambiri zomwe mumalipira pamwezi pazaka zingapo zoyambirira zimapita ku chiwongola dzanja, osati chachikulu. Ndipo chiwongola dzanja chimawonjezeredwa, kutanthauza kuti chiwongola dzanja cha mwezi uliwonse chimatsimikiziridwa ndi ndalama zonse zomwe muli nazo (chiwongola dzanja chachikulu kuphatikizirapo chiwongola dzanja).
Peresenti ya Ndalama Zowerengera Mortgage
Ngati simungakwanitse kugula nyumba ndi ndalama, muli pagulu labwino. Mu 2019, 86% ya ogula nyumba adagwiritsa ntchito ngongole kuti atseke mgwirizano, malinga ndi National Association of Realtors. Pamene muli wamng'ono, ndipamene mungafunikire kubwereketsa nyumba kuti mugule nyumba - ndipo mungadzifunse kuti, "Kodi ndingagule nyumba yochuluka bwanji?" popeza simunadutsebe.
Ndalama ndizomwe zimawonekera kwambiri pa kuchuluka kwa nyumba yomwe mungakwanitse: Mukapeza ndalama zambiri, nyumba yomwe mungakwanitse kugula, sichoncho? Inde, mochuluka kapena mocheperapo; zimatengera gawo la ndalama zanu zomwe zaperekedwa kale ndi ngongole.
Mwina mukulipira ngongole yagalimoto, kirediti kadi, ngongole yaumwini, kapena ngongole ya ophunzira. Pang'ono ndi pang'ono, obwereketsa adzawonjezera ngongole zonse za mwezi uliwonse zomwe mudzapanga m'miyezi 10 yotsatira kapena kuposerapo. Nthawi zina, amaphatikizanso ngongole zomwe mumangolipira kwa miyezi ingapo ngati malipirowo amakhudza kwambiri malipiro a mwezi uliwonse omwe mungakwanitse.
Nanga bwanji ngati muli ndi ngongole ya ophunzira yomwe simukulipira kapena kusalipira? Ogula nyumba ambiri amadabwa kumva kuti obwereketsa amapangitsa kuti mudzalipirire ngongole za ophunzira zam'tsogolo ndikulipira ngongole zanu pamwezi. Kupatula apo, kuchedwetsa ndi kuleza mtima zimangopatsa wobwereka kuchedwetsa kwakanthawi kochepa, kofupikitsa kwambiri kuposa nthawi ya ngongole yawo.
