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Musanagule nyumba, muyenera kusankha amene mungagwire naye ntchito panthawi yogula. Izi zimayamba ndi wogulitsa nyumba, ngakhale woyang'anira ngongole yanyumba akhoza kukhala wofunikira kwambiri. Atha kukulangizani pakubweza ndalama kapena ngongole zanyumba ngati muli ndi nyumba yanu kale. Katswiri wazachuma atha kukuthandizaninso kusintha dongosolo lanu lazachuma kuti likwaniritse zosowa zanu zangongole. Mulimonsemo, mukakhala ndi katswiri wa ngongole yemwe mungamukhulupirire, mudzakhala ndi munthu ameneyo kwa zaka zikubwerazi, mosasamala kanthu za kampani yomwe mumagwira ntchito.
Mabanki ogwira ntchito zonse amadziwika kuti mabungwe azachuma a federally chartered. Amapereka ngongole zanyumba limodzi ndi zinthu zina zamabanki, monga maakaunti owerengera ndi kusunga ndalama komanso ngongole zamalonda ndi zamabizinesi. Ambiri amaperekanso malonda ndi inshuwaransi. Ngongole zanyumba ndi gawo limodzi chabe la bizinesi yawo. Federal Deposit Insurance Company (FDIC) imayang'anira ndikuwunika mabanki omwe amagwira ntchito zonse.
Kumbali inayi, mayiko pawokha amawongolera makampani obwereketsa nyumba. Malamulowa alinso okhwima kwambiri. Komanso, kugwiritsa ntchito kampani yobwereketsa kumatanthauza kuti simungathe kuphatikiza maakaunti anu onse azachuma kukhala bungwe limodzi. Komabe, izi sizingakhale cholepheretsa anthu ena.
Ndi banki iti yomwe ndiyenera kubwereketsa nyumba?
Ngati mukuganiza za eni nyumba ndikudabwa momwe mungayambire, mwafika pamalo oyenera. Pano tikambirana zofunikira zonse za ngongole zanyumba, kuphatikizapo mitundu ya ngongole, zolemba zanyumba, njira yogulira nyumba, ndi zina zambiri.
Pali zochitika zina zomwe zimakhala zomveka kukhala ndi ngongole panyumba panu ngakhale mutakhala ndi ndalama zolipirira. Mwachitsanzo, katundu nthawi zina amabwerekedwa kuti amasule ndalama zamabizinesi ena.
Ngongole zanyumba ndi ngongole "zotetezedwa". Ndi ngongole yotetezedwa, wobwereka amalonjeza chikole kwa wobwereketsa ngati atalephera kulipira. Pankhani ya ngongole, chitsimikizo ndi nyumba. Ngati mukulephera kubweza ngongole yanu, wobwereketsayo atha kutenga nyumba yanu, mwanjira yomwe imadziwika kuti kutseka.
Mukalandira ngongole, wobwereketsa wanu amakupatsani ndalama zina zogulira nyumbayo. Mukuvomera kubweza ngongoleyo - ndi chiwongola dzanja - pazaka zingapo. Ufulu wa wobwereketsa panyumba umapitilirabe mpaka ngongoleyo italipidwa mokwanira. Ngongole zobwezeredwa mokwanira zimakhala ndi nthawi yolipira, chifukwa chake ngongoleyo imalipira kumapeto kwa nthawi yake.
Ndibwino kuti mutenge ngongole kubanki kapena wobwereketsa
Musanagule nyumba, muyenera kusankha amene mungagwire naye ntchito panthawi yogula. Izi zimayamba ndi wogulitsa nyumba, ngakhale woyang'anira ngongole yanyumba akhoza kukhala wofunikira kwambiri. Atha kukulangizani pakubweza ndalama kapena ngongole zanyumba ngati muli ndi nyumba yanu kale. Katswiri wazachuma atha kukuthandizaninso kusintha dongosolo lanu lazachuma kuti likwaniritse zosowa zanu zangongole. Mulimonsemo, mukakhala ndi katswiri wa ngongole yemwe mungamukhulupirire, mudzakhala ndi munthu ameneyo kwa zaka zikubwerazi, mosasamala kanthu za kampani yomwe mumagwira ntchito.
Mabanki ogwira ntchito zonse amadziwika kuti mabungwe azachuma a federally chartered. Amapereka ngongole zanyumba limodzi ndi zinthu zina zamabanki, monga maakaunti owerengera ndi kusunga ndalama komanso ngongole zamalonda ndi zamabizinesi. Ambiri amaperekanso malonda ndi inshuwaransi. Ngongole zanyumba ndi gawo limodzi chabe la bizinesi yawo. Federal Deposit Insurance Company (FDIC) imayang'anira ndikuwunika mabanki omwe amagwira ntchito zonse.
Kumbali inayi, mayiko pawokha amawongolera makampani obwereketsa nyumba. Malamulowa alinso okhwima kwambiri. Komanso, kugwiritsa ntchito kampani yobwereketsa kumatanthauza kuti simungathe kuphatikiza maakaunti anu onse azachuma kukhala bungwe limodzi. Komabe, izi sizingakhale cholepheretsa anthu ena.
Ndi mabanki obwereketsa ngongole
Kodi ndingadziwe bwanji ngati ndikuyenerera kubweza ngongole? Chinthu choyamba ndikumaliza Mgwirizano wa Mfundo Zazikulu kuti muwone ngati mungabwereke ndalama zomwe mukufuna kuchokera kwa ife. Tikuwuzani ngati titha kukukongozani mpaka kalekale mukatumiza fomu yanu yobwereketsa nyumba. Ndalama zomwe tikuvomera kukubwereketsani zitha kusintha malinga ndi zomwe mwatumiza ndi zolemba zanu.
Kodi ngongole yanyumba imavomerezedwa bwanji? Mukafunsira ngongole yobwereketsa, tidzakufunsani kuti mulankhule nafe kunthambi kapena patelefoni kuti mudzatipatse zikalata zotsimikizira ndalama zanu. Tikambirana nanu zandalama zanu ndi moyo wanu, ndikuwerengera ndalama zomwe mumawononga nthawi zonse komanso ngongole zilizonse zomwe mungakhale nazo. Kenako tidzakupangirani ngongole yanyumba yomwe tikuganiza kuti ndi yoyenera kwa inu. Ngati mukuvomera, tiwona mbiri yanu yangongole ndi kukuthandizani kulembetsa. Tidzayesa kukuuzani posachedwa ngati tingakupatseni ngongole yanyumba, ndipo tingathe
Zimatenga nthawi yayitali bwanji kuti ndivomereze kubwereketsa nyumba yanga? Zimatengera mkhalidwe wanu, koma cholinga chathu ndikukupatsani chisankho posachedwa. Pa avareji, nthawi zambiri zimatenga pakati pa milungu inayi ndi isanu ndi umodzi. Titha kukufunsani mafunso ochulukirapo, choncho yang'anirani mauthenga, maimelo, kapena makalata mukamaliza kulembetsa.
