Kodi mutha kubwereketsa nyumba ndi ntchito yanthawi yake?
Ngati nyumbayo ndi yomanga yatsopano ndipo idzagwiritsidwa ntchito ngati nyumba ndipo ndinu odziwa kugula nyumba koyamba (munthu yemwe sanakhalepo ndi chiwongola dzanja m'nyumba mwanu m'mbuyomu), mutha kukhala oyenerera kulandira thandizo logulira mpaka 10% yamtengo wogula: 30.000 mayuro!
Ndipo koposa zonse, muyenera kuwonetsa kuti mutha kubweza ngongole zanyumba kuti mupeze ngongole yanyumba iyi. Tiyerekeze kuti ngongoleyo ndi ya zaka 30; ndalama zokhazikika zidzakhala ma euro 1.066 pamwezi. Tidzaunikanso ndalama zanu mwatsatanetsatane kuti tiwonetsetse kuti, kutengera ndalama zomwe mwasunga komanso zolipira lendi (ngati mukubwereketsa), mutha kulipira ndalamazi, kuphatikiza 25%, i.e. chiwongola dzanja.
Pezani ngongole ndi ntchito yosakhalitsa
Chiwongola dzanja cha wobwereketsa ngongole, katundu yense ndi kubweza ngongole ndizonso zofunika zomwe obwereketsa amaziganizira, koma "obwereketsa amafunikira ndalama zina kuti athe kulembera ngongole," akutero Guy Cecala, CEO ndi Wofalitsa wa Inside Mortgage Finance. . "Simunganene kuti, 'Ndilibe gwero la ndalama ndipo ndikufuna kugula nyumba,' chifukwa palibe wobwereketsa amene angakupatseni ngongole.
Njira imodzi yoyenereza kubwereketsa nyumba popanda ntchito ndiyo kukhala ndi munthu wosainira ngongole, monga kholo kapena mwamuna kapena mkazi, yemwe ali pantchito kapena ali ndi ndalama zambiri. Wosayina nawo limodzi amasaina kubwereketsa kwanu kuti awonjezere chitetezo cha ndalama zomwe mumapeza komanso mbiri yangongole ku ngongoleyo. Kwenikweni, ngati simungathe kubweza ngongole yanu yanyumba, wosayina nawo azisamalira.
Ngati mulandira ndalama zochulukirapo mwezi uliwonse kuchokera kumagulu amasheya, phindu lalikulu, kapena mabizinesi ena, mutha kuvomerezedwa kubwereketsa nyumba. Chenjezo limodzi: Ngongole zovomerezedwa potengera ndalama zomwe amapeza zimakhala ndi chiwongola dzanja chokwera, atero a Todd Sheinin, wogwira ntchito ngongole ku Homespire Mortgage ku Gaithersburg, Maryland.
Mortgage popanda ntchito koma ndi gawo lalikulu
Kwa anthu omwe amadzilemba okha ntchito kapena nyengo, kapena omwe ali ndi vuto la ntchito, kupempha ngongole kungakhale chinthu chovuta kwambiri. Obwereketsa nyumba monga kutsimikizira ntchito yosavuta komanso zaka zingapo za W-2s poganizira zofunsira ngongole yanyumba, chifukwa amawona kuti ndizopanda chiopsezo kuposa mitundu ina ya ntchito.
Koma monga wobwereka, simukufuna kulangidwa chifukwa chosowa ntchito mutakhala ndi chidaliro pakutha kubweza ngongole yanyumba, kapena ngati mukufuna kubweza ngongole yanu kuti muchepetse ndalama zolipirira mwezi uliwonse. Ngongole zing'onozing'ono zingakhale zothandiza makamaka ngati mwachotsedwa ntchito posachedwa ndipo mukuda nkhawa ndi bajeti yanu ya mwezi uliwonse.
Kugula kapena kubweza ngongole yanu yanyumba mukalibe ntchito sikutheka, koma pamafunika khama komanso luso kuti mukwaniritse zofunikira pakubweza ndalama. Tsoka ilo, obwereketsa nthawi zambiri savomereza ndalama za ulova ngati umboni wopeza ngongole yanu. Pali kuchotserapo kwa ogwira ntchito panyengo kapena ogwira ntchito omwe ali mgulu la mgwirizano. Nazi njira zomwe mungagwiritse ntchito kukuthandizani kupeza kapena kubweza ngongole yanu popanda ntchito.
Kodi mutha kubwereketsa nyumba popanda dipositi?
Zofunikira zapadziko lonse lapansi ku Netherlands Kuti mupeze ngongole yaku Dutch, muyenera kukhala ndi nambala ya BSN. Mukukonzekera kusamukira ku Netherlands ndipo mulibe BSN panobe? Titha kuwerengera bajeti yanu yanyumba kuti tiwone kuti mungabwereke zingati popanda nambala ya BSN.
Kodi ndingapeze ngongole ku Netherlands ngati ndili ndi ntchito yosakhalitsa? Inde, mutha kupeza ngongole ngati muli ndi ntchito yosakhalitsa. Mutha kupeza ngongole ku Netherlands ngati muli ndi ntchito yosakhalitsa. Kuti mupeze ngongole yanyumba, mudzafunsidwa chilengezo cha cholinga. Mwa kuyankhula kwina, muyenera kupitiriza ntchito yanu ikangotha mgwirizano wanu wakanthawi. Kuphatikiza apo, muyenera kupereka mndandanda wa zikalata zofunsira kubweza ngongole.
Chimodzi mwazofunikira kuti mupeze ngongole ku Netherlands mwachangu ndikukhala ndi mgwirizano wokhazikika. Ngati muli ndi mgwirizano wosadziwika, ndondomeko yanu yobwereketsa ngongole idzakhala yachangu. Zolemba zowonjezera zofunika kuti mupeze ngongole ku Netherlands ndi:
