Kodi ndingapeze ngongole ngati ndangoyamba ntchito yatsopano?
Ngati muli ndi ngongole yoyipa koma mukufuna kubwereketsa ngongole, kuwonjezera munthu yemwe sali m'nyumbamo ku ngongole yanu kungakuthandizeni kupeza ndalama. Komabe, kusankha kusaina ngongole kapena kuwonjezera kubwereketsa kwanu sikuyenera kupangidwa popanda kudziwa zonse.
Lero tiwona zomwe zimatanthauza kukhala osaina - kapena kusaina- pa ngongole yanyumba. M'nkhaniyi, tikuwonetsani tanthauzo la kusaina limodzi komanso ngati kuli kopindulitsa. Tikudziwitsaninso kuipa kokhala bwenzi losakhalamo komanso zina mwazosankha zanu ngati wobwereka.
Cosigner ndi munthu amene avomera kutenga udindo pazachuma pa ngongole ya wobwereka woyambayo ngati wobwereka sathanso kubweza, ndipo nthawi zambiri amakhala wachibale, bwenzi, mkazi kapena kholo.
Chifukwa chiyani ngongole ikhoza kutsimikiziridwa? Anthu amasaina ngongole kuti athandize achibale kapena anzawo omwe akufuna kubwereka kapena kubwezanso ndalama ndi ngongole yoyipa. Ngati chiwongola dzanja chanu chili chofooka, kupeza mnzanu kapena wachibale kuti asayinirenso ngongoleyo kumakupangitsani kukhala wokongola kwambiri.
Kutaya ntchito yanu pambuyo pa chivomerezo cha ngongole
Zambiri mwazomwe zimaperekedwa komanso makhadi a ngongole omwe akupezeka patsambali amachokera kwa otsatsa omwe tsamba ili limalandira chipukuta misozi chifukwa chowonekera pano. Kulipiridwaku kungakhudze momwe komanso komwe zinthu zimawonekera patsamba lino (kuphatikiza, mwachitsanzo, dongosolo lomwe zimawonekera). Zotsatsa izi sizikuyimira ma kirediti kadi ndi zosankha zonse za akaunti. * APY (Zokolola Zapachaka). Magawo a ngongole amaperekedwa monga malangizo okha ndipo kuvomereza sikutsimikizika.
Njira yovomerezera isanakwane imaphatikizapo kupereka wobwereketsa ngongole ndi zobweza zanu zamisonkho kwa zaka ziwiri zapitazi, ma cheke amalipiro, ma W-2, ma statement aku banki, ndi wobwereketsa adzayang'ananso mbiri yanu yangongole.
Komabe, wobwereketsa adzafunika zambiri za woperekayo. Izi zikuphatikizapo ubale wawo ndi inu, kuchuluka kwa zoperekazo, ndipo woperekayo ayenera kutumiza kalata yosonyeza kuti sakuyembekezera kubwezeredwa.
Komabe, musanapite njira iyi, onetsetsani kuti nonse mukumvetsa kuopsa kokhudzana ndi kusaina limodzi ngongole. Dzina la munthu uyu lidzawonekera pa ngongole ya nyumba, choncho ali ndi udindo wofanana ndi malipiro a ngongole.
Kuthamangitsidwa panthawi yobwereketsa ngongole
Obwereketsa nyumba nthawi zambiri amatsimikizira ntchito yanu polumikizana ndi abwana anu mwachindunji ndikuwunikanso zolemba zaposachedwa. Wobwereketsa ayenera kusaina fomu yololeza kampani kuti itulutse zidziwitso zantchito ndi ndalama kwa omwe angabwereke. Panthaŵiyo, wobwereketsa nthaŵi zambiri amaimbira abwana ake kuti amve zambiri zofunika.
Nthawi zambiri, obwereketsa amatsimikizira m'mawu zomwe obwereka amapereka pa Uniform Residential Loan Application. Komabe, akhoza kusankha kutsimikizira deta ndi fax, imelo kapena kuphatikiza njira zitatu.
Obwereketsa amagwiritsa ntchito chidziwitsochi kuwerengera magawo osiyanasiyana kuti adziwe kuti wobwereketsa angabweze bwanji ngongole. Kusintha kwa ntchito kumatha kukhala ndi chiyambukiro chachikulu pakufunsira kwa wobwereka.
Obwereketsa alinso ndi chidwi chotsimikizira dzina lantchito, malipiro, ndi mbiri yantchito. Ngakhale obwereketsa nthawi zambiri amangotsimikizira momwe wobwereketsayo alili pantchito, angafunike kutsimikizira za ntchito yam'mbuyomu. Mchitidwewu ndi wofala kwa obwereka omwe akhala ndi kampani yawo yapano kwa zaka zosakwana ziwiri.
Chimachitika ndi chiyani ngati mutaya ntchito yanu panthawi ya deposit
Komabe, obwereketsa amayenera kuwonetsetsa kuti mutha kulipira ngongole zanu popanda mavuto azachuma. Izi zikutanthauza kuti angakufunseni ngati mukuyembekezera kusintha kulikonse m'mikhalidwe yanu posachedwa.
Ndipo ndalama zomwe zimagwirizanitsidwa ndi mwana watsopano-osatchula ndalama zomwe zikupitilira za chisamaliro cha ana-zidzawonjezeranso ndalama zanu. Kukhoza kwanu kulipira ngongole kungathe kukhudzidwa.
Mukafunsira ngongole yanyumba, obwereketsa amayang'ana zomwe mumapeza kuchokera pazaka ziwiri zapitazi. Amayang'ana ndalama zokhazikika komanso mwayi woti zipitirire. Kupita kwa amayi oyembekezera kungakhudze mwayi umenewo.
Ngati wogwira ntchitoyo walembedwa ntchito mu kampani yomweyi kwa miyezi yosachepera 12 yokhala ndi maola 24 pa sabata, bwanayo amayenera kutsatira malamulo alamulo, makamaka pankhani yobwezeretsa wogwira ntchitoyo pambuyo pake. tchuthi chakumayi.
