Kodi ndingabweze ngongole ngati ndilibe ntchito?
Nkhani zadzaza ndi nkhani za obwereketsa zomwe zimapangitsa kuti zikhale zovuta kwa obwereketsa ena kupeza ngongole zanyumba. Koma ngakhale izi zingakhale zoona, obwereka omwe ali ndi zochitika zapadera sayenera kuletsedwa. Obwereketsa ambiri amagwira ntchito ndi obwereketsa achilendo kuti awathandize kupeza ngongole zanyumba.
Chinyengo ndi chakuti wobwereka ayenera kusonyeza mbiri ya zaka ziwiri za ntchito imodzi pa ntchito zonse. Wobwereketsa adzapempha ma W2 ndi zitsimikiziro kwa olemba ntchito onse pazaka ziwiri zapitazi, ndipo mudzapeza pafupifupi zaka ziwiri pazachuma chilichonse kuchokera kuntchito zingapo.
Chomwe wobwereketsa akuyang'ana ndi kuthekera kwa wobwereketsa kugwira ntchito zingapo nthawi imodzi. Chifukwa chake simungangotuluka kukapeza ntchito yachiwiri mwezi umodzi musanapemphe chiwongola dzanja ndikuyembekeza kukuthandizani. Ndipotu akhoza kukuvulazani. Ntchito yachiwiri yopanda mbiri ngati ntchito yatsopanoyo idzawoneka ngati chiwopsezo cha ntchito yaikulu ya wopemphayo, yomwe ndi chiopsezo ku malipiro awo a mwezi uliwonse.
Chifukwa chakuti simukugwira ntchito panthawi yomwe mukufunsira kubwereketsa nyumba, mutha kukhala oyenerera kubwereketsa ngongole. Chilichonse chikusonyeza kuti adzabwerera ku ntchito nyengo ya usodzi ikadzayamba ndipo adzatha kupitiriza kulipira malipiro a mwezi uliwonse ngakhale m’nyengo yochepa.
Momwe mungagulire nyumba popanda ntchito komanso ndi ngongole yabwino
Ngati panopa muli ndi ngongole wamba - mothandizidwa ndi Fannie Mae kapena Freddie Mac - ndipo mulibe ntchito, mudzafunika umboni wa ntchito yatsopano ndi ndalama zamtsogolo musanabwezenso ngongole yanu.
Komabe, muyenerabe kukwaniritsa lamulo la mbiri ya zaka ziwiri. Ngati wogwira ntchito osakhalitsa angathe kulemba kuti wakhala akulandira malipiro a ulova mosalekeza kwa zaka zosachepera ziwiri, izi zikhoza kuganiziridwa pofunsira ngongole yanyumba.
Ngakhale ndalama zomwe ulova zitha kuchulukitsidwa pazaka ziwiri zapitazi komanso chaka ndi chaka, wobwereketsa amayenera kutsimikizira ndalama zomwe apeza kuchokera pantchito yomwe yachitika pagawo lomwelo. Izi zikutanthauza kuti muyenera kulembedwa ntchito panthawi yomwe mukufunsira.
Kuti izi zitheke, malipiro anu a mwezi ndi mwezi opunduka, kaya amachokera ku inshuwaransi yanu yanthawi yayitali kapena kuchokera ku Social Security - ayenera kukonzedwa kuti apitirire kwa zaka zina zitatu.
Apanso, muyenera kuwonetsa kuti malipiro apamwezi akuyenera kupitilira zaka zina zitatu. Mungafunikirenso kusonyeza kuti mwakhala mukulandira malipiro pafupipafupi kwa zaka ziwiri zapitazi.
ntchito yobwereketsa nyumba
Carissa Rawson ndi katswiri pazachuma komanso pa kirediti kadi yemwe adawonetsedwa m'mabuku ambiri kuphatikiza Forbes, Business Insider, ndi The Points Guy. Carissa anamaliza maphunziro awo ku American Military College ndipo ali ndi MBA kuchokera ku Norwich University, MA kuchokera ku yunivesite ya Edinburgh ndipo panopa akuchita MFA ku National University.
Obwereketsa akuyang'ana ndalama zolimba akavomera kubwereketsa nyumba, ndiye kuti mudzakumana ndi zofunikira zolembedwa komanso mayeso okhwima a ndalama mukamaliza kulembetsa. Ndiye kodi mungapeze ngongole popanda ntchito? Yankho ndi inde, koma muyenera kukwaniritsa zofunikira zina kuti izi zitheke.
Pali mitundu ingapo ya ngongole zanyumba zomwe zilipo kwa kasitomala aliyense. Zofunikira zimasiyana kutengera ngongole yomwe mukufuna, koma ndalama zomwe zimaperekedwa ndizoyenera kuvomerezedwa. Izi zati, ndizothekabe kupeza ngongole yanyumba mukalibe ntchito; Mabanki atha kuganiziranso njira zomwe sizili zachikhalidwe zolipirira ngongole yanu.
Kubwereketsa nyumba popanda zaka 2 za mbiri yantchito
Cosigner ndi munthu amene amavomera kulipira ngongoleyo ngati wopemphayo walephera. Angakhale mmodzi wa makolo anu kapena mwamuna kapena mkazi wanu. Adzafunika kulembedwa ntchito kapena kukhala ndi ndalama zambiri.
Ndalama zokhazikika zimatha kubwera kuchokera kunyumba yobwereka kapena bizinesi yomwe simukuchita nawo. Zitsanzo zina za ndalama zomwe amapeza ndi magawo, ndalama zobwereka, malipiro, alimony, ndi zina.
Ngati mwangotaya kumene ntchito, mungayesetse kupatsa wobwereketsayo mbiri yanu ya ntchito ndikuwadziwitsa kuti mukuyang'ana ntchito mwakhama. Muyeneranso kuwonetsa njira zina zopezera ndalama kapena ndalama zomwe zasungidwa ngati umboni kuti mutha kulipira.
“…Anatipeza mwachangu komanso mopanda kukangana ndi ngongole ndi chiwongola dzanja chabwino pomwe ena amatiuza kuti zikhala zovuta. Ndidachita chidwi kwambiri ndi ntchito yawo ndipo ndingalimbikitse Akatswiri a Ngongole Yanyumba mtsogolo ”
"... adapangitsa kuti ntchito yofunsira ndi kuthetsa vutoli ikhale yosavuta komanso yopanda nkhawa. Anapereka zidziwitso zomveka bwino ndipo amayankha mwachangu mafunso aliwonse. Iwo anali owonekera kwambiri pazochitika zonse za ndondomekoyi. "
