Ngongole-to-Income Ratio Calculator
Ngati mukuganiza zogula nyumba, kufunsira kubwereketsa kungawoneke ngati ntchito yovuta. Muyenera kupereka zambiri ndikulemba mafomu ambiri, koma kukonzekera kudzathandiza kuti ntchitoyi ipite bwino momwe mungathere.
Kuwona kukwanitsa ndi njira yowonjezereka. Obwereketsa amaganizira za ngongole zonse zapakhomo ndi ndalama zomwe mumawononga nthawi zonse, komanso ngongole iliyonse monga ngongole ndi makhadi a ngongole, kuti muwonetsetse kuti muli ndi ndalama zokwanira kuti muthe kulipira ngongole yanu ya mwezi uliwonse.
Kuonjezera apo, adzachita cheke cha ngongole ndi bungwe lolozera ngongole mukangotumiza fomu yofunsira kuti muwone mbiri yanu yazachuma ndikuwunika kuopsa komwe kukubwereketsani.
Musanapemphe kubwereketsa, funsani mabungwe atatu akuluakulu ofotokoza zangongole ndikuwona malipoti anu angongole. Onetsetsani kuti palibe zolakwika zokhudza inu. Mutha kuchita izi pa intaneti, mwina kudzera mu ntchito yolembetsa yolipira kapena imodzi mwamautumiki apa intaneti aulere omwe alipo pano.
Othandizira ena amalipira chindapusa cha upangiri, kulandira ntchito kuchokera kwa wobwereketsa, kapena kuphatikiza zonse ziwiri. Adzakudziwitsani za malipiro awo ndi mtundu wa utumiki womwe angakupatseni pamsonkhano wanu woyamba. Alangizi apanyumba m'mabanki ndi makampani obwereketsa nyumba nthawi zambiri salipira upangiri wawo.
calculator ya ngongole
Zofunikira za ngongole zaumwini zimasiyana ndi wobwereketsa, koma pali zinthu zingapo - monga ngongole ya ngongole ndi ndalama - zomwe mabungwe azachuma amaziganizira nthawi zonse poyesa olembetsa. Musanayambe kufunafuna ngongole, dziwani zofunikira zomwe muyenera kukumana nazo komanso zolemba zomwe muyenera kupereka. Kudziwa izi kungakuthandizeni kukonza njira yofunsira komanso kukulitsa mwayi wanu wopeza ngongole.
Chiwongola dzanja cha wopempha ndi chimodzi mwazinthu zofunika kwambiri zomwe wobwereketsa amaziganizira akamayesa kubwereketsa ngongole. Ngongole zimayambira pa 300 mpaka 850 ndipo zimachokera pa zinthu monga mbiri yolipira, kuchuluka kwa ngongole zomwe zatsala, komanso kutalika kwa mbiri yangongole. Obwereketsa ambiri amafuna kuti olembetsa akhale ndi zochepera pafupifupi 600 kuti ayenerere, koma obwereketsa ena amabwereketsa kwa omwe akufunsira popanda mbiri yangongole.
Obwereketsa amaika zofuna za ndalama kwa obwereka kuti atsimikizire kuti ali ndi njira zobweza ngongole yatsopano. Zofunikira zochepa zopeza ndalama zimasiyanasiyana malinga ndi wobwereketsa. Mwachitsanzo, SoFi imaika malipiro osachepera $45.000 pachaka; Zomwe amapeza pachaka za Avant ndi $20.000 chabe. Komabe, musadabwe ngati wobwereketsa sakuwulula zofunikira zomwe amapeza. Ambiri samatero.
Ndi njira iti yabwino yothandizira eni nyumba oyamba
Chiyambireni vuto la nyumba, msika wanyumba wakula kwambiri ndipo obwereketsa akuwunika mosamalitsa zopempha zanyumba. Obwereketsa amaganizira zinthu zambiri asanasankhe kuvomereza olembetsa. Mukadziwa zomwe akufuna, mukhoza kuwonjezera mwayi wanu wovomerezeka. Onani zinthu zisanu zomwe obwereketsa nyumba nthawi zambiri amaziganizira.
Pamene mukuyesera kugula nyumba, mukamaika ndalama zambiri, mudzafunikanso kubwereka kwa wobwereketsa. Kulipira ndalama zambiri kungapangitsenso mwayi wanu wovomerezeka kuti mubwereke ngongole. Ngati mungakwanitse kubweza ngongole yokwanira, mungaonedwe ngati wobwereketsa amene ali ndi chiwopsezo chochepa pamaso pa wobwereketsa.
Miyezo yamakampani imati ogula nyumba omwe akufunsira ngongole zanyumba wamba ayenera kutsitsa 20% ya ngongoleyo. Koma m'pofunika kuti mupereke ndalama zomwe mungakwanitse. Mapulogalamu ena obwereketsa ngongole, monga pulogalamu ya ngongole ya FHA, amalola ogula oyenerera kuti apereke malipiro ochepa kuti alandire inshuwalansi yaumwini.
Chiŵerengero cha ngongole zanyumba
Kupeza nyumba yoyenera kumafuna nthawi, khama, ndi mwayi pang'ono. Ngati mwakwanitsa kupeza nyumba yomwe ikugwirizana ndi inu komanso bajeti yanu, ndi nthawi yoti muchitepo kanthu kuti mukhale umwini wanu pofunsira ngongole. Ndipo ngakhale ichi ndi chimodzi mwazosankha zazikulu zachuma zomwe mungapange, kudziwa momwe mungayambire ndi zomwe mukufunikira zidzakuikani patsogolo pa ena ogula nyumba.
Chinthu choyamba pofunsira ngongole sikutanthauza kulemba mapepala. Pali zokonzekera zambiri tisanafike pamenepo. Mukakonzekera kwambiri, mudzakhala bwino mukadzafika pachimake chilichonse chofunsira mukafuna kutseka pogula nyumba.
Obwereketsa adzafuna kudziwa ngongole yanu. Pamene mukukonzekera kuyambitsa ntchito yobwereketsa kubwereketsa, yang'anani ngongole yanu ndikuwonetsetsa kuti muli bwino. Ngakhale wobwereketsa aliyense amakhala ndi chiwongola dzanja chochepa m'malingaliro kwa omwe angabwereke kubwereketsa, Experian akuyerekeza kuti chiwongola dzanja chochepa cha FICO chomwe chimafunika kuti munthu apeze ngongole yanyumba wamba ali pagulu la 620.
