Wobwereketsa bwino wachiwiri wanyumba
Mwakhala mukulipira ngongole yanu pang'onopang'ono pomwe mwadzidzidzi mumayamba kulandira makalata kuchokera kwa obwereketsa akukuitanani kuti mutengenso ngongole yachiwiri. “Mangani chuma!” iwo akutero. “Lipirani maphunziro anu! Konzani nyumba yanu”.
Ngongole yachiwiri ndi pamene mupereka mtengo wa nyumba yanu (poisintha kukhala ngongole) kuti mupeze njira yofulumira yolipirira ngongole zina, kumaliza ntchito zowongolera nyumba, kapena kugula zomwe simukanakwanitsa.
Izi ndi zomwe zimachitika: Mwiniwake akuti, "Mukudziwa chiyani? Ndili ndi ndalama zokwana $100.000. Bwanji sindingasinthe $100.000 imeneyo kukhala ndalama zomwe ndingagwiritse ntchito kulipira ngongole za ophunzira, kukonzanso nyumba yanga, kapena kupita kutchuthi?"
Ndipo, ngati, wobwereketsa wina akuganiza kuti ndi lingaliro labwino ndikuyankha, "Mwachita kale!" Wobwereketsayo amavomereza kupatsa mwiniwake wamkulu ngati walonjeza kubweza ndalamazo ndi chiwongola dzanja, kapena kumpereka nyumba yake ngati satero.
Panthawiyi, ndi refinancing simukhala ndi ngongole zambiri (nthawi zambiri). M'malo mwake, ngati mukonzanso njira yoyenera komanso pazifukwa zolondola (chiwongola dzanja chabwino komanso nthawi yayifupi), mudzapulumutsa madola masauzande ambiri ndikulipira nyumba yanu posachedwa.
Kodi ndingapezeko ngongole ngati ndili ndi nyumba kale?
Ngongole yachiwiri imayikidwa kumbuyo kwa yomwe muli nayo kale, kotero ngati simungathe kulipira ngongole yanu kapena kusankha kugulitsa nyumba yanu, ngongole yoyamba idzalipidwa isanafike yachiwiri. Ichi ndichifukwa chake nthawi zina amatchedwa "malipiro achiwiri."
Izi zidzatengera kuchuluka kwa ndalama zomwe muli nazo m'malo anu, koma zitha kukhala chilichonse kuyambira £15.000 mpaka £1.000.000. Mwachitsanzo, ngati nyumba yanu ili yokwana £350.000 ndipo muli ndi ngongole yotsala ya £200.000, mudzakhala ndi ndalama zokwana £150.000.
Mofanana ndi ngongole yanu yamakono, nyumba yanu ili pachiwopsezo ngati muphonya malipiro pa ngongole yachiwiri. Ngati mumavutika kulipira, muyenera kulankhula ndi wobwereketsa wanu nthawi zonse kuti mupeze njira yothetsera vutolo.
2nd mortgage vs refinancing
Miriam Caldwell wakhala akulemba za bajeti ndi zofunikira zachuma zaumwini kuyambira 2005. Amaphunzitsa kulemba monga mphunzitsi wa pa intaneti ndi Brigham Young University-Idaho, komanso ndi mphunzitsi wa ana asukulu za boma ku Cary, North Carolina.
Lea Uradu, JD ndi omaliza maphunziro awo ku University of Maryland School of Law, Registered Tax Preparer ku State of Maryland, State Certified Notary Public, Certified VITA Tax Preparer, Wotenga nawo mbali mu Pulogalamu Yapachaka Yosungira Nyengo ya IRS, wolemba msonkho komanso woyambitsa. za LAW Tax Resolution Services. Lea wagwira ntchito ndi mazana amakasitomala amisonkho ochokera kumayiko ena.
Ngongole yachiwiri ndi ngongole yomwe mumatenga pogwiritsa ntchito nyumba yanu ngati chikole pomwe ngongole ina yatetezedwa kale ndi malowo. Anthu ena amatenga ngongole yachiwiri kuti alipire nyumba zawo. Ena amatero kuti alipire ngongole kapena kukonza nyumba.
Zotsatira za chisankho zingakhale zazikulu, choncho siziyenera kutengedwa mopepuka. Ndikofunika kumvetsetsa momwe ndondomekoyi ikugwirira ntchito, momwe mungalembetsere ngongole yachiwiri komanso momwe ingakhudzire ndalama zanu panopa komanso m'tsogolomu.
Zofunikira zachiwiri zanyumba
Phunzirani zambiri Chiwongola dzanja cha UK: zomwe mungayembekezere komanso momwe mungakonzekereMlingo woyambira wa Bank of England ndiye chiwongola dzanja chovomerezeka ndipo pano chikuyima pa 0,1%. Chiwongola dzanjachi chimakhudza chiwongola dzanja cha UK, chomwe chitha kukweza (kapena kuchepetsa) chiwongola dzanja chanyumba ndi malipiro anu pamwezi.Dziwani zambiriKodi LTV ndi chiyani? Momwe mungawerengere LTV - Loan to Value Ratio LTV, kapena ngongole-to-value, ndi kukula kwa ngongole yanyumba poyerekeza ndi mtengo wa katundu wanu. Kodi muli ndi ndalama zokwanira kuti muyenerere kulandira mitengo yabwino kwambiri yanyumba?
