Kodi zikutanthauza chiyani kuti palibe chilango cholipiriratu?
Ndife ntchito yofananira yodziyimira payokha, yothandizidwa ndi zotsatsa. Cholinga chathu ndi kukuthandizani kuti mupange zisankho zanzeru zachuma popereka zida zolumikizirana ndi zowerengera zachuma, kusindikiza zomwe zili zoyambira komanso zolinga, ndikukulolani kuchita kafukufuku ndikuyerekeza zambiri kwaulere, kuti mutha kupanga zosankha zachuma molimba mtima.
Zopereka zomwe zikuwonekera patsambali ndi zochokera kumakampani omwe amatilipira. Kulipiridwaku kungakhudze momwe zinthu zimawonekera patsamba lino, kuphatikiza, mwachitsanzo, momwe zingawonekere m'magulu amndandanda. Koma kubweza kumeneku sikukhudza zambiri zomwe timafalitsa, kapena ndemanga zomwe mumawona patsamba lino. Sitikuphatikiza dziko lonse lamakampani kapena zopereka zandalama zomwe zingapezeke kwa inu.
Ndife odziyimira pawokha, ntchito zofananira zothandizidwa ndi zotsatsa. Cholinga chathu ndi kukuthandizani kuti mupange zisankho zanzeru zachuma popereka zida zolumikizirana ndi zowerengera zachuma, kusindikiza zomwe zili zoyambira komanso zolinga, ndikukulolani kuchita kafukufuku ndikuyerekeza zambiri kwaulere, kuti mutha kupanga zosankha zachuma molimba mtima.
kubweza ngongole
Chiwongola dzanja ndi zolipirira zimasintha zokha pakatha miyezi 6 iliyonse Chiwongola dzanja ndi zolipira zimasinthidwa zokha mwezi uliwonse Chepetsani kubweza kwanu pamwezi Kusiyanasiyana Kutetezedwa ku kukwera kwa chiwongola dzanja Malipiro okhazikika Pindulani ndi mitengo yotsika kusintha kwa mitengo Mtengo umakhazikika pamiyezi 6 iliyonse Zabwino kwambiri padziko lonse lapansi Zimaphatikiza mapindu a chiwongola dzanja chanthawi yayitali Chiwongola dzanja chimasinthidwa mwezi uliwonse Tengani mwayi kusintha kwa chiwongola dzanja. Kufulumizitsa Kwamwezi Kwa Semi-Pachaka Kuthamanga Kwamwezi Kumathamanga Kwamlungu ndi Semi-Pachaka
Ngongole yotseguka imatha kubwezeredwa pang'ono kapena kwathunthu nthawi iliyonse popanda kulipira chindapusa. Chifukwa cha kusinthasintha uku, mitengo yotseguka yobwereketsa nthawi zambiri imakhala yokwera kuposa mitengo yanyumba yotsekedwa. Ndibwino ngati mukutsimikiza kuti mutha kulipira ngongole yanu kwakanthawi kochepa.
Momwe mungapewere chilango cha kubweza ngongole
Chilango cholipiriratu nthawi zambiri chimafotokozedwa m'ndime ya mgwirizano wobwereketsa nyumba yomwe imati chilango chidzaperekedwa ngati wobwereka akubweza kwambiri ngongoleyo isanakwane, nthawi zambiri pasanathe zaka zitatu atapereka ngongoleyo. Chilangocho nthawi zina chimatengera kuchuluka kwa ndalama zomwe zatsala, kapena zitha kukhala chiwongola dzanja cha miyezi ingapo. Zilango zolipiriratu zimateteza wobwereketsa kuti asatayike ndi chiwongola dzanja chomwe chikanalipidwa pakapita nthawi.
Obwereketsa amaphatikiza zilango zolipiriratu m'makontrakitala a ngongole kuti athetse chiwopsezo cha kubweza, makamaka munthawi zovuta zachuma komanso m'mikhalidwe yomwe chilimbikitso cha wobwereketsa kubweza ngongole ya subprime ndi yayikulu. Zilango izi sizimagwira ntchito kokha pamene wobwereka akulipira ngongole yonse. Malamulo ena a chilango amayamba kugwira ntchito ngati wobwereka apereka gawo lalikulu la ngongoleyo pamalipiro amodzi.
Kuonjezera chilango cholipiriratu kubwereketsa kungathe kuteteza kubwezeredwa msanga kapena kugulitsa nyumbayo m'zaka zitatu zoyambirira pambuyo potseka chiwongola dzanja, pomwe wobwereketsa amawonedwa ngati chiwopsezo kwa wobwereketsa. Kumbali ina, zilango zolipiriratu zingawonjezedwe monga njira yobweza phindu linalake pamene ngongole yanyumba ikutsatsa pamtengo wotsikirapo kuposa chiwongola dzanja.
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Calculator ya Mortgage Prepayment Calculator ikuthandizani kudziwa ngati mudzasunga zambiri kapena mudzawononga ndalama zambiri pakapita nthawi mukalipira ngongole yanu mwachangu. Chifukwa chake, chowerengera ichi chitha kugwiritsidwanso ntchito ngati chowerengera chobwereketsa ngongole.
Nkhaniyi ikufotokoza momwe kubweza ngongole kumagwirira ntchito, chiwongola dzanja cholipiriratu, ndi njira zina zomwe mungafufuze kuti mulipire ngongole yanu mwanzeru. Mwachitsanzo, kuonjezera kuchuluka kwa malipiro a ngongole, monga ndondomeko ya malipiro a ngongole ya biweekly, kungakupangitseni kulipira miyezi 13 pa chaka, poyerekeza ndi miyezi 12 yokhazikika. Mutha kuwerengera chilango chomwe mwalipira kale ndikuphunzira momwe mungachichepetsere kapena kuchipeweratu pogwiritsa ntchito chowerengera chathu chandalama zanyumba. Mutha kuyang'ana ngongole ya FHA ndi ngongole ya VA, yomwe ilibe chilango cholipiriratu.
Mutha kulipiriratu ngongole yanu yanyumba popereka ndalama zochulukirapo kapena powonjezerapo pang'ono pamagawo anu a mwezi uliwonse. Malipiro owonjezerawa amachotsedwa ku banki yayikulu, kutsitsa chiwongola dzanja chonse chomwe ngongole ikadapeza kwa wobwereketsa.
