Kugula nyumba ndi munthu amene simunakwatirane naye, misonkho
Ngati mukukhala ndi mwamuna kapena mkazi wanu koma dzina lanu silinabwere kubwereketsa, mungakhale ndi ufulu pa malowo. Izi zimadalira mmene zinthu zilili, kuphatikizapo ngati munakwatirana kapena ayi.
Ngati ndinu okwatirana kapena okwatirana ndipo simunatchulidwe pa ngongole yanyumba, mukhoza kupempha chidziwitso cha ufulu ku nyumba yaukwati. Izi zidzakupatsani ufulu wokhalamo, koma sizidzakupatsani ufulu uliwonse wa katundu. Komabe, ngati mutapatukana kapena kusudzulana, khoti lidzakuuzani kuti muli ndi ufulu ku malowo.
Simungalembetse maufulu omanga banja pa katundu yemwe mwamuna kapena mkazi wanu ali ndi wina. Kuphatikiza apo, mutha kungopempha ufulu wokhala ndi nyumba pamalo amodzi. Ndikofunika kukumbukira kuti ufulu wokhala ndi nyumba zaukwati umangokupatsani ufulu wokhalamo; sikukupatsani ufulu uliwonse wokhala ndi malo.
Ngati muli pabanja ndipo dzina lanu silinabwere pa ngongole yanyumba, mudzakhala ndi ufulu wopeza malowo ndipo titha kukambirana mwatsatanetsatane. Ngati mukufuna zambiri, musazengereze kulumikizana nafe kuti tikambirane zaulere. Mutha kulankhulanso ndi maloya athu obweza ngongole.
Kugula nyumba ndi munthu amene sali pabanja
Mwamwayi, pali mapulogalamu ambiri obwereketsa nyumba, kuphatikiza ngongole zotsika komanso zotsika mtengo, zomwe zimapangitsa kuti zikhale zosavuta kuti osakwatiwa agule nyumba. Ndipo chiwongola dzanja chochepa chamasiku ano chimapangitsa kugula kukhala kotsika mtengo.
Izi zili choncho chifukwa obwereketsa nyumba amapeza lipoti langongole lophatikizana la mbiri ya wopemphayo aliyense ndi zigoli zake, ndipo amagwiritsa ntchito zochepera pa zigoli ziwirizo kapena avareji ya atatuwo kuwunika zomwe wafunsira. Magoli omwe amagwiritsa ntchito amatchedwa oimira credit score.
Zaka zingapo zapitazo, bungwe la Federal Reserve linaphunzira za ndalama zanyumba ndipo linapeza chinthu chodabwitsa. Mwa ngongole zopitilira 600.000 zomwe zidaphunziridwa, 10% akanalipira osachepera 0,125% kuchepera ngati wachibale woyenerera kwambiri adafunsira yekha.
Kungakhale koyenera kukaonana ndi woyang'anira ngongole. Mwachitsanzo, ngati wobwereketsa ali ndi FICO ya 699 ndipo winayo ali ndi FICO ya 700, akhoza kusunga $ 500 pamalipiro a ngongole pa $ 100.000 iliyonse yobwerekedwa chifukwa cha malipiro a Fannie Mae pazaka zosachepera 700.
Chotsalira chachikulu pa njirayi ndikuti wogula yekhayo ayenera kukhala woyenerera popanda thandizo la ndalama za mwamuna kapena mkazi wake. Chifukwa chake, kuti izi zitheke, wobwereketsayo angafunike ndalama zambiri zangongole komanso ndalama zambiri.
Ndikunong'oneza bondo kuti ndinagula nyumba ndi chibwenzi changa
Ngati mukukhala ndi bwenzi lanu, muyenera kusankha chochita ndi nyumba yanu pamene mupatukana. Zosankha zanu zimadalira ngati simuli pa banja, ndinu wokwatiwa, kapena ndinu okwatirana, komanso ngati muli ndi nyumba kapena lendi.
Ngati munayesapo kale kukonza zinthu ndi wakale wanu ndipo zikukuvutani, mutha kupempha thandizo kuti mugwirizane. Katswiri wotchedwa "mkhalapakati" angakuthandizeni inu ndi mnzanu wakale kupeza yankho popanda kupita kukhoti.
Nthawi zambiri, mukachoka panyumba panu, khonsolo sidzakupatsani chithandizo chanyumba chifukwa 'mwakhala mulibe nyumba dala'. Izi sizikugwira ntchito ngati mutachoka pakhomo panu chifukwa cha nkhanza zapakhomo.
Ngati mwaganiza zothetsa lendi yanu kapena kusamutsa nyumba, khonsolo ingaganize kuti ndi vuto lanu kuti mulibe malo okhala. Izi ndi zomwe zimatchedwa "osakhazikika mwadala". Ngati khonsolo ikuganiza kuti mulibe nyumba mwadala, sangathe kukupezani nyumba zanthawi yayitali.
Ngati ndinu okwatirana kapena okwatirana, nonse muli ndi "ufulu wokhala ndi nyumba". Izi zikutanthauza kuti mutha kukhala m'nyumba mwanu, ngakhale mutakhala kuti mulibe kapena simunalembedwe pa lendi. Mudzasamuka kwamuyaya ngati banja lanu kapena chibwenzi chanu chatha, kapena ngati khoti lalamula, mwachitsanzo, ngati gawo la chisudzulo chanu.
Momwe mungadzitetezere pogula nyumba ndi mnzanu
Ochepa ndi ochepera omwe akukwatirana asanagule nyumba. Kukhalira limodzi kukuchulukirachulukira, makamaka pakati pa achichepere. Zambiri zaposachedwa kuchokera ku Office for National Statistics [2019] zikuwonetsa kuti opitilira magawo awiri mwa atatu a anthu azaka zapakati pa 16-29 omwe amakhala ndi mnzake amakhalira limodzi.
Pankhani ya mikangano yokhalira limodzi, 95% ya anthu omwe amadutsa pakhomo langa ndi omwe angopatukana ndi okondedwa awo ndipo amafuna kudziwa "Kodi ndili ndi gawo la chuma cha mnzanga?" kapena "Kodi ndili ndi ufulu kuchita chilichonse?" Chowonadi chowawa ndi chakuti ngakhale mutakhala m'nyumba imodzi kwa zaka zoposa makumi awiri ndikulera ana anu pamodzi, mukhoza kuchoka opanda kalikonse pokhapokha mutakhala ndi mapulani okwanira ndi chitetezo.
Uwu ndiye mtundu wofala kwambiri wa umwini wolumikizana. Kukhala eni nyumba muulamuliro wa umwini wa mgwirizano kumatanthauza kuti okwatiranawo amaonedwa kuti ndi eni nyumbayo 50%, mosasamala kanthu za ndalama zomwe aliyense wapereka ku deposit kapena ngongole ya mwezi uliwonse. Zikutanthauzanso kuti ngati mmodzi wa iwo amwalira, gawo lawo lipita kwa mnzake posatengera zomwe akufuna. Izi zimatchedwa "ufulu wopulumuka."
