Ndikosavuta kupeza ngongole ngati muli ndi nyumba kale?
Posankha pakati pa zinthu zina, zingakhale zosavuta kupita ndi otchuka kwambiri. Koma pankhani yosankha chinthu choyenera kubwereketsa pa zolinga zanu, kupita ndi njira yotchuka kwambiri sikungakhale chisankho chabwino kwambiri.
Ngongole zanyumba nthawi zambiri zimakhala ndi nthawi yolipira ngongoleyo. Izi zimatchedwa nthawi yobwereketsa ngongole. Nthawi yobwereketsa kwambiri ku United States ndi zaka 30. Ngongole yazaka 30 imapatsa wobwereka zaka 30 kuti abweze ngongole yake.
Anthu ambiri omwe ali ndi ngongole yotereyi sasunga ngongole yoyambirira kwa zaka 30. M'malo mwake, nthawi yayitali ya ngongole yanyumba, kapena moyo wake wapakati, ndi wochepera zaka 10. Izi sichifukwa choti obwereketsawa amalipira ngongoleyo munthawi yake. Eni nyumba amatha kubwezanso ngongole yatsopano kapena kugula nyumba yatsopano nthawiyo isanathe. Malinga ndi National Association of REALTORS® (NAR), ogula amangoyembekezera kukhala m'nyumba yomwe amagula pafupifupi zaka 15.
Ndiye chifukwa chiyani chisankho chazaka 30 ndi nthawi yapakati pa ngongole zanyumba ku United States? Kutchuka kwake kumakhudzana ndi zinthu zingapo, monga chiwongola dzanja chamtengo wanyumba, malipiro apamwezi, mtundu wa nyumba yomwe yagulidwa kapena zolinga zachuma za wobwereka.
Kodi kubwereketsa nyumba yomwe muli nayo kumatanthauza chiyani?
Zikuoneka kuti 63% ya eni nyumba adakali ndi ndondomeko yolipira ngongole zawo. Ngati mukuganiza zogulitsa koma mukukakamira zaka 17 zobweza ngongole, izi ndi zomwe muyenera kudziwa.
Mukagulitsa, mumafuna kukhala ndi ndalama zokwanira kuti muthe kulipira ngongole yanu, kulipira ndalama zotsekera, ndikupeza phindu. Potseka, ndalama za wogula zimayamba kulipira ndalama zotsala za ngongole yanu ndi ndalama zotsekera, kenako ndikulipirani zotsalazo. Ngati mukugulitsa nyumba yanu mutangogula, funsani wobwereketsa kuti muwone ngati chilango cholipiriratu chikugwira ntchito pa ngongole yanu.
Kupeza ndalama zobweza ngongole ndiyo njira yabwino yopezera kuyerekezera kolondola kwandalama zomwe mukadali nazo panyumba yanu yobwereketsa. Mutha kupeza ndalama zomwe mwabweza polumikizana ndi wobwereketsa pafoni kapena pa intaneti. Chonde dziwani kuti ndalama zobweza ngongole ndizosiyana ndi ndalama zomwe zatsala zomwe zikuwonetsedwa pachikalata chanu chanyumba pamwezi. Ndalama zowombola zikuphatikiza chiwongola dzanja pa tsiku lotsekera, choncho ndi chiwerengero cholondola. Mukapeza bajeti yobwereketsa, wobwereketsa adzakudziwitsani za nthawi yake, yomwe nthawi zambiri imakhala pakati pa masiku 10 mpaka 30.
Ndili ndi nyumba yanga ndipo ndikufuna kugula ina
Kukhala ndi nyumba ndi loto la anthu ambiri. Koma tinene kuti kugula nyumba sikotsika mtengo. Pamafunika ndalama zambiri zomwe ambiri aife sitingathe kupereka. Ndicho chifukwa chake ndalama zogulira nyumba zimagwiritsidwa ntchito. Ngongole zanyumba zimalola ogula kugula katundu ndikulipira pakapita nthawi. Komabe, njira yolipira ngongole sizinthu zomwe anthu ambiri amamvetsetsa.
Ngongole yobwereketsa nyumba imachepetsedwa, zomwe zikutanthauza kuti imafalikira pa nthawi yokonzedweratu kudzera mumalipiro anyumba nthawi zonse. Nthawi imeneyo ikatha - mwachitsanzo, patatha zaka 30 zobweza ngongole - ngongole yanyumba yamalipiridwa ndipo nyumbayo ndi yanu. Kulipira kulikonse komwe mumapanga kumayimira chiwongola dzanja ndi kubweza kwakukulu. Chiŵerengero cha chiwongoladzanja ndi kusintha kwakukulu kwa moyo wonse wa ngongole. Zomwe simungadziwe ndizakuti ndalama zambiri zomwe mumalipira zimalipira chiwongola dzanja chambiri kumayambiriro kwa ngongoleyo. Umo ndi momwe zonse zimagwirira ntchito.
Chiwongola dzanja ndizomwe mumalipira pa ngongole yanu yanyumba. Zimatengera chiwongola dzanja chomwe chinagwirizana panthawi yosayina mgwirizano. Chiwongoladzanja chimapezedwa, kutanthauza kuti ngongoleyo imachokera ku chiwongoladzanja chachikulu komanso chiwongola dzanja. Mitengo imatha kukhazikitsidwa, yomwe imakhala yokhazikika kwa moyo wanu wonse wanyumba yanu, kapena zosinthika, zomwe zimasintha pakapita nthawi zingapo kutengera kusinthasintha kwamitengo yamsika.
Ndili ndi nyumba yanga ndipo ndikufuna ngongole
Kulikonse mumamva za kuipa kokhala ndi ngongole. Choncho, mwachibadwa, n'zomveka kuti kugula nyumba ndi ndalama-kapena kuika ndalama zambiri m'nyumba mwanu kuti mupewe ngongole yaikulu yokhudzana ndi ngongole yanyumba-ndilo chisankho chanzeru kwambiri pa thanzi lanu lachuma.
Kulipira ndalama zogulira nyumba kumathetsa kufunika kolipira chiwongola dzanja pa ngongole ndi kutseka ndalama. "Palibe chindapusa chobwereketsa nyumba, chindapusa, kapena ndalama zina zomwe obwereketsa amalipiritsa kuti awonetse ogula," atero a Robert Semrad, JD, mnzake wamkulu komanso woyambitsa wa Chicago-based DebtStoppers Bankruptcy Law Firm.
Kulipira ndalama nthawi zambiri kumakhala kokopa kwambiri kwa ogulitsa. "Pamsika wampikisano, wogulitsa amatha kuvomera ndalama imodzi kuposa wina chifukwa sada nkhawa kuti wogula akukana kulandira ndalama," akutero Peter Grabel, woyang'anira wamkulu wa MLO Luxury Mortgage. Corp. ku Stamford, Conn. Kugula nyumba yandalama kumakhalanso ndi kuthekera kotseka mwachangu (ngati mukufuna) kuposa komwe kumaphatikizapo ngongole, zomwe zitha kukhala zokopa kwa wogulitsa.
