Kodi ndingagule nyumba ku Australia ngati osakhala?
Nkhaniyi ikufunika mawu owonjezera kuti atsimikizire. Chonde thandizani kukonza nkhaniyi powonjezera mawu ochokera kodalirika. Zinthu zopanda gwero zitha kutsutsidwa ndi kuchotsedwa. Pezani Kochokera: "Ngongole Yanyumba" - Nkhani - Manyuzipepala - Mabuku - Scholar - JSTOR (Epulo 2020) (Dziwani momwe mungachotsere komanso nthawi yochotsera izi mu template)
Obwereketsa nyumba akhoza kukhala anthu omwe akubwereketsa nyumba zawo kapena atha kukhala makampani omwe akubwereketsa katundu wamalonda (mwachitsanzo, malo awo abizinesi, nyumba zobwereketsa kwa obwereketsa, kapena mbiri yandalama). Wobwereketsa nthawi zambiri amakhala bungwe lazachuma, monga banki, bungwe la ngongole kapena kampani yobwereketsa nyumba, kutengera dziko lomwe likufunsidwa, ndipo mapangano a ngongole amatha kupangidwa mwachindunji kapena mwanjira ina kudzera mwa oyimira pakati. Makhalidwe a ngongole zanyumba, monga kuchuluka kwa ngongole, kukhwima kwa ngongole, chiwongoladzanja, njira yobwezera ngongole ndi zina, zimatha kusiyana kwambiri. Ufulu wa wobwereketsa pa katundu wotetezedwa umakhala patsogolo kuposa obwereketsa ena a wobwereketsa, kutanthauza kuti ngati wobwereketsa wasowa ndalama kapena walephera, obwereketsa ena adzalandira kubweza ngongole zomwe ali nazo pogulitsa katunduyo. amalipidwa zonse poyamba.
mutha kugula nyumba popanda ntchito reddit
Vuto lalikulu ndikupeza banki yoyenera yomwe ikugwirizana ndi mbiri yanu. Zogulitsa zamabanki ndi zovomerezeka zimasiyana mosiyanasiyana ndipo banki imodzi ikhoza kukhala yoyenera kasitomala m'modzi komanso zosayenera kwa wina. Banki ikhoza kukana ngongole ya kasitomala pamene banki ina ikanavomereza. Kusadziwa kuti ndi banki yabwino kwambiri yomwe ingayambitse
Vuto linanso ndilakuti kasitomala amangokhala ku Spain (kapena kulipira misonkho ku Spain) kwakanthawi kochepa. Kuti athe kukhala oyenerera kukhala, mabanki nthawi zambiri amafuna umboni wotsimikizira kuti adalipira misonkho yaku Spain, monga chikalata choyambirira cha ndalama zomwe amapeza pachaka. Nthawi zonse zimakhala bwino kuti mupite ku banki yanu kaye mukayika ndalama zanu ku akaunti yakubanki yaku Spain.
Msika wobwereketsa ku Spain umakhalabe wamphamvu kwambiri, ngakhale panthawi ya mliri. Mabanki akubwereketsa mwaulere komanso amapereka mawu ampikisano kwa onse okhalamo komanso omwe si okhalamo. Komabe, mabanki amakhala osamala kwambiri popereka ngongole ndikuwonetsetsa kuti macheke onse otheka akuchitika.
Ndani angagule malo ku Australia?
Nthawi zambiri amaganiziridwa kuti anthu ambiri amadziwa kuti nyumba yawo ndi yamtengo wapatali. Komabe, anthu ambiri amakhalabe osokonezeka pankhaniyi. Monga mwini nyumba, muyenera kumvetsetsa momwe ndalama zanyumba zimagwirira ntchito. Izi ndizowona makamaka ngati mukufuna kubwezanso ngongole yanyumba kapena kutenga ngongole kunyumba kwanu.
Ngongole yomwe mungapeze ngati wobwereka kudzera mu ngongole yanyumba zimatengera kuchuluka kwa ndalama zomwe muli nazo. Tiyerekeze kuti nyumba yanu ndi yamtengo wapatali $250.000 ndipo muli ndi ngongole ya $150.000 pa ngongole yanu yanyumba. Ingochotsani ngongole yonse pamtengo wanyumba kuti mutenge $ 100.000 yanyumba.
Obwereketsa ochepa kwambiri amakulolani kubwereka ndalama zonse zanyumba. Nthawi zambiri amakulolani kubwereka ndalama zokwana 80% mpaka 90% za zomwe muli nazo, kutengera wobwereketsa wanu, ngongole yanu, ndi ndalama zomwe mumapeza. Chifukwa chake ngati muli ndi ndalama zokwana madola 100.000, monga momwe zilili pamwambapa, mutha kupeza ngongole yanyumba ya $80.000 mpaka $90.000 (HELOC). Mtundu, dziko, ndi zina zosakhudzana ndi zachuma siziyenera kutengapo gawo pozindikira kuchuluka kwa ndalama zanyumba zomwe mungabwereke.
Kubwereketsa nyumba popanda ndalama koma ndi katundu
M'mavuto azachuma kapena kugwa kwachuma, ndi bwino kuyang'ana momwe mumawonongera ndalama komanso kuti musatengere zoopsa zomwe zingasokoneze zolinga zanu zachuma. Kutsika kwachuma kumatha kuwononga ndalama zanu. Kukhala okonzeka komanso kuchita zinthu zingapo zosavuta kuti muchepetse chiopsezo kungakuthandizeni kuthana ndi mkuntho wachuma. Pansipa pali zovuta zina zandalama zomwe aliyense ayenera kupewa panthawi yachuma.
Kusaina ngongole limodzi kungakhale chinthu chowopsa ngakhale munthawi yabwino yazachuma. Ngati wobwereka sakulipira, wosayinayo angafunikire kukupangirani. Panthawi yamavuto azachuma, zoopsa zomwe zimagwirizanitsidwa ndi kusaina ngongole zimakhala zazikulu kwambiri, chifukwa wobwereka ndi wosayina nawo amatha kukumana ndi mwayi waukulu wotaya ntchito kapena kuwona ndalama zawo zabizinesi zikuchepa.
Izi zati, mutha kupeza kuti mukufunika kutsimikizira wachibale kapena mnzanu wapamtima mosasamala kanthu za zomwe zikuchitika pazachuma. Muzochitika izi, zimalipira kukhala ndi ndalama zina zomwe zimayikidwa pambali ngati khushoni. Kapena, m'malo mosainira ndalama, kungakhale bwino kuthandiza ndi kubweza ngongole kapena kutenga ngongole yaumwini m'malo mokopeka ndi ngongole yomwe mwasayina.
