Katundu wobwereka ndi mwayi wogula
M'zaka zomwe zimabweretsa mavuto azachuma a 2007-08, njira yobwereketsa - momwe obwereketsa / ogula ali ndi mwayi wogula nyumba kapena kondomu yomwe akubwereka kuchokera kwa eni ake / ogulitsa - idaperekedwa makamaka ndi eni eni eni ake. .
M'zaka zotsatira zavutoli, idakhala njira yokulirapo kwa obwereketsa, popeza makampani akuluakulu ogulitsa nyumba adagula nyumba zoletsedwa m'dziko lonselo ndikukhazikitsa njira yobwereketsa pamlingo waukulu.
Ngati mukuyang'ana malo okhala, konzekerani kubwereka lero koma pamapeto pake mukufuna kugula nyumba yanu kapena kondomu, ndipo osakonzekera kuchoka kumalo omwe mukufuna kubwereka, ndiye kuti kubwereketsa kungakhale njira yabwino. zanu. Ndi njira yabwinonso ngati muli ndi ngongole yocheperako ndipo mukufuna nthawi yopangira mbiri yabwino yobwereketsa.
Kubwereketsa ndi pamene wobwereketsa amasaina mgwirizano wobwereketsa kapena wobwereketsa omwe ali ndi mwayi wogula nyumbayo kapena condo pambuyo pake, nthawi zambiri mkati mwa zaka zitatu. Malipiro a mwezi ndi mwezi a lendi adzaphatikizanso malipiro a lendi ndi zina zowonjezera zomwe zidzaperekedwe kumalipiro apanyumba. Mgwirizano wobwereketsa udzanena za malipiro a lendi ya mwini nyumbayo, kuchuluka kwa malipiro a lendi omwe amalipiritsa, ndi mtengo wogulira nyumbayo.
njira yobwereketsa
Chifukwa cha chiwongola dzanja chochepa komanso kusakhazikika kwa msika, malo obwereketsa akhala zinthu zokopa kwambiri. Chifukwa chakuchulukirachulukira kwa malo obwereketsa ku Germany, kubwereketsa nyumba kwakhala gwero lalikulu landalama. Kuonjezera apo, mphamvu ya chuma cha Germany ndi kukula kwa ntchito mu gawo la utumiki m'mizinda monga Berlin, Frankfurt ndi Munich zachititsa kuti kuwonjezeka kwa lendi m'matawuni. Ku LoanLink, mlangizi waku Germany wobwereketsa nyumba, mutha kupeza mwachidule zomwe zikuchitika m'mizinda yaku Germany.
Buy to Let mortgage idapangidwa kuti eni nyumba agule malo ndikubwereketsa kwa alendi akunja, zomwe zimalola mwininyumbayo kuti athandizire kubweza ngongole yanyumba pogwiritsa ntchito ndalama zolipirira lendi. LoanLink imatha kulangiza ndikuzindikira njira zabwino kwambiri zanyumba.
Monga eni nyumba, muyenera kulipira msonkho pazopeza zobwereka malinga ndi malamulo aku Germany. Ku Germany, chiwongola dzanja chanyumba cha malo omwe amakhala ndi eni ake sichimachotsedwa msonkho. Komabe, ngati muli ndi malo obwereketsa ku Germany kapena mutagula chinthu chobwereketsa, mutha kubweza ndalama zilizonse zomwe zingabwere chifukwa cha ndalama zobwereka zomwe mumapeza. Izi zikuphatikizapo ndalama zogulira nyumba, komanso ndalama zolipirira, kukonza zinthu, ndi kukonzanso.
Lenditsani ku Germany
Kugula ndi ngongole yoipa: Ogula omwe sakuyenera kubwereketsa ngongole yanyumba akhoza kuyamba kugula nyumba ndi mgwirizano wobwereketsa. Pakapita nthawi, amatha kukonzanso ngongole zawo, ndipo atha kubwereketsa ikangokwana nthawi yogula nyumbayo.
Mtengo Wogulira Wotsimikizika: M'madera aku Texas omwe mitengo ikukwera, ogula nyumba aku Texas atha kupeza ndalama zogula pamtengo wamakono (koma kugula kudzachitika zaka zingapo mtsogolomu). Ogula nyumba aku Texas tsopano ali ndi mwayi wobwerera ngati mitengo yakunyumba yaku Texas ikugwa, ngakhale ngati zili zomveka bwino pazachuma zimatengera kuchuluka komwe adalipira pochita lendi kapena mgwirizano wobwereketsa.
Yesani kuyendetsa nyumba yanu ku Texas: Ogula nyumba aku Texas amatha kukhala mnyumba asanagule. Chifukwa cha zimenezi, angaphunzire za mavuto a m’nyumba, oyandikana nawo oipa, ndi nkhani zina nthawi isanathe.
Amasuntha pang'ono: Ogula omwe amadzipereka ku nyumba ndi malo oyandikana nawo (koma osagula) akhoza kulowa m'nyumba yomwe adzagula. Izi zimachepetsa mtengo komanso zovuta zosuntha pakapita zaka zingapo.
zero pansi
Ngati muli ngati ambiri ogula nyumba, mudzafunika ngongole kuti mugulitse nyumba yatsopano. Kuti muyenerere, muyenera kukhala ndi ngongole yabwino komanso ndalama zolipirira. Popanda iwo, njira yachikhalidwe yofikira umwini wanyumba singakhale njira.
Komabe, pali njira ina: mgwirizano wobwereketsa, womwe nyumba imabwerekedwa kwa nthawi inayake, ndi mwayi wogula mgwirizano usanathe. Mapangano obwereketsa amakhala ndi magawo awiri: mgwirizano wokhazikika komanso mwayi wogula.
Pansipa tikufotokozerani zomwe muyenera kuziganizira komanso momwe ntchito yobwereketsa imagwirira ntchito. Ndizovuta kwambiri kuposa kubwereka, ndipo muyenera kusamala kuti muteteze zokonda zanu. Kuchita zimenezi kudzakuthandizani kudziwa ngati malondawo ndi abwino ngati mukufuna kugula nyumba.
Pamgwirizano wa lendi ndi eni, inu (monga wogula) mumalipira wogulitsa nthawi imodzi, nthawi zambiri yosabwezeredwa, chindapusa chapatsogolo chomwe chimatchedwa chindapusa, ndalama zopangira, kapena kulingalira kosankha. Ndalamayi ndi yomwe imakupatsani mwayi wogula nyumbayo pa tsiku lamtsogolo. Chiwongola dzanja nthawi zambiri chimakambidwa, chifukwa palibe chiwongola dzanja chokhazikika. Ngakhale zili choncho, komishoni nthawi zambiri imakhala pakati pa 1% ndi 5% yamtengo wogula.
