Kubweza kwamtundu wa Mortgage
Anthu ambiri amawononga ndalama zambiri pogula zida zachitetezo kuti ateteze nyumba zawo, koma palibe chitetezo chomwe chingawateteze kuti asagwe. Mwa kupanga malipiro owonjezera pa ngongole ya wobwereketsa, ndizotheka kuti onse achepetse kwambiri chiwongoladzanja cholipiridwa ndikulipira ngongole mwamsanga, kupatsa wogula nyumba malire ochuluka a chitetezo mwezi uliwonse ndi kuwalola kukhala ndi moyo wopanda ngongole mwamsanga . Ndalama zomwe zasungidwa zidzasiyana malinga ndi kukula koyambirira kwa ngongole ndi chiwongoladzanja.
Imodzi mwa njira zothandiza kwambiri zopulumutsira ndalama pa ngongole yanu yobwereketsa ndikubwezanso pa chiwongola dzanja chochepa kwambiri. Chiwongola dzanja chapano chatsala pang'ono kutsika kwa ogula ambiri. Tebulo ili m'munsiyi likuwonetsa zambiri zamitengo yapano pamsika wanu.
Poganizira njira yolipirira ngongole yanu mwachangu, si zachilendo kumva mawu akuti "mortgage cycle." Ogwiritsa ntchito nthawi zambiri amawona mabuku ndi zotsatsa zomwe zimalonjeza njira yothetsera kubweza ngongole zawo mwachangu ndikusunga ndalama zambiri. Poganizira za "kubwereketsa ngongole," opereka chithandizo osiyanasiyana angakhale othandiza ngati wobwereketsa sakudziwa lingaliro lakuti popereka ndalama zowonjezera mwezi uliwonse, ngongoleyo idzalipidwa mu nthawi yochepa ndipo mukhoza kusunga ndalama zambiri. mwachidwi.
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Kulipira ngongole yanu yobwereketsa msanga kungakuthandizeni kuti mukhale okhazikika pazachuma, ndipo mutha kusunga ndalama pakapita nthawi mwakupeza chiwongola dzanja chochepa. Nazi njira zina zomwe mungalipire ngongole yanu mwachangu:
Njira ina yosungira ndalama pa chiwongoladzanja, ndikuchepetsa nthawi yobwereketsa, ndikulipira ndalama zowonjezera. Ngati wobwereketsa sakulipirani chilango chobwezera ngongole yanu mwamsanga, ganizirani njira zotsatirazi kuti muthe kulipira ngongole yanu mwamsanga.
Ingokumbukirani kudziwitsa wobwereketsa kuti ndalama zanu zowonjezera ziyenera kuperekedwa kwa mphunzitsi wamkulu, osati chiwongola dzanja. Kupanda kutero, wobwereketsayo angagwiritse ntchito ndalamazo kumalipiro okonzekera mtsogolo, zomwe sizingakupulumutseni ndalama.
Komanso, yesani kubweza msanga ngongoleyo, pamene chiwongoladzanja chakwera kwambiri. Simungazindikire, koma zambiri zomwe mumalipira pamwezi pazaka zingapo zoyambirira zimapita ku chiwongola dzanja, osati chachikulu. Ndipo chiwongola dzanja chimawonjezeredwa, kutanthauza kuti chiwongola dzanja cha mwezi uliwonse chimatsimikiziridwa ndi ndalama zonse zomwe muli nazo (chiwongola dzanja chachikulu kuphatikizirapo chiwongola dzanja).
Mugawo loyambirira lobweza ngongole yobwereketsa, malipiro anu amwezi ndi
Kwa anthu ambiri, kugula nyumba ndi ndalama zazikulu kwambiri zomwe angapangepo. Chifukwa cha kukwera mtengo kwake, anthu ambiri nthawi zambiri amafunikira ngongole yanyumba. Ngongole yobwereketsa ndi mtundu wangongole yobwereketsa yomwe ngongoleyo imalipidwa pang'onopang'ono pakapita nthawi. Nthawi ya amortization imatanthawuza nthawi, m'zaka, zomwe wobwereka amasankha kudzipereka kuti alipire ngongole.
Ngakhale kuti mtundu wotchuka kwambiri ndi ngongole ya zaka 30 yokhazikika, ogula ali ndi njira zina, kuphatikizapo ngongole za zaka 15. Nthawi ya amortization imakhudza osati nthawi yomwe idzatengere kubweza ngongoleyo, komanso kuchuluka kwa chiwongoladzanja chomwe chidzalipidwa moyo wonse wa ngongoleyo. Nthawi zobweza zotalikirapo zimatanthawuza kuti malipiro ang'onoang'ono pamwezi ndi okwera mtengo pa nthawi yonse ya ngongoleyo.
Mosiyana ndi zimenezi, kubweza kwafupipafupi kumatanthawuza malipiro apamwamba pamwezi ndi kutsika kwa chiwongoladzanja chonse. Ndibwino kuti aliyense amene akufuna kubwereketsa aganizire njira zosiyanasiyana zobweza kuti apeze yomwe ikuyenera kuwongolera komanso kusunga ndalama. Pansipa, timayang'ana njira zosiyanasiyana zobweza ngongole kwa ogula nyumba masiku ano.
Ndondomeko ya kubweza ndalama
Lingaliro lofunikira pakubweza ngongole ndi losavuta: mumayamba ndi ngongole ndikubweza pang'onopang'ono pakapita nthawi. Koma ngati muyang'anitsitsa malipiro aliwonse, mudzawona kuti wamkulu ndi chiwongoladzanja pa ngongole amalipidwa pamlingo wosiyana.
Robert Johnson, pulofesa wa zachuma pa yunivesite ya Creighton's Heider School of Business, akufotokoza motero Robert Johnson.
Ngati muli ndi ngongole yokhazikika, monga eni nyumba ambiri, malipiro anu a mwezi uliwonse amakhala ofanana. Koma kugawanika kwa malipiro aliwonse - kuchuluka kwa ndalama zomwe zimachokera ku chiwongoladzanja cha ngongole - zimasintha pakapita nthawi.
Kusinthaku (kuchokera ku chiwongoladzanja kupita nthawi zambiri) kumangokhudza momwe ndalama zanu zimakhalira pamwezi. Ngati muli ndi ngongole yobwereketsa, ndalama zomwe mumalipira mwezi uliwonse kwa wamkulu ndi chiwongola dzanja sizingafanane.
Kuwonongeka kwa malipiro ndikofunikira kwambiri chifukwa kumatsimikizira momwe ndalama zanyumba zimakulirakulira. Zotsatira zake, mtengo wake umakhudza luso lanu lokonzanso ndalama, kulipira nyumba yanu msanga, kapena kubwereka ndi ngongole yachiwiri.
