Kuchepetsa ndalama zangongole zokwera
Zimakhala zokopa kunyalanyaza ndalama zosayembekezereka. Koma kukhala ndi ndalama zoikidwa pambali monga mtsamiro wa zinthu zimene zingafunike kukonzedwa pamene mwapeza nyumba yatsopano, monga zoziziritsira mpweya, zotenthetsera, ndi mapaipi, ndi lingaliro labwino.
Ngati gawo lanu lili lochepera 20%, mudzayenera kulipira ndalama za inshuwaransi yanyumba ya inshuwaransi (LMI). Ndi mtengo wanthawi imodzi womwe umawonjezedwa kundalama yangongole, kotero simuyenera kulipira kalikonse patsogolo. Ndikofunika kuti mulankhule nafe za kuchuluka kwa ndalamazi: ngati mutagula nyumba ya $ 600.000 ndi 5% deposit, ikhoza kukhala yoposa $ 20.000, kutengera dziko lomwe mukukhala.
Ngati mukusungira nyumba, zingakhale zovuta kudziwa nthawi yoyenera kuyimitsa. Kodi ndi liti pamene mudzakhala ndi ndalama zokwanira zopitira kukasaka nyumba ndikuyika ndalama? Kupatula apo, ngongole yanyumba ndi gawo lalikulu la moyo. Nthawi zambiri, simukuyenera kulipira pasanathe zaka 25-30. Simukufuna kuthamangira.
Poganizira zonsezi, malingaliro odziwikiratu akuwonetsa kuti muyenera kusunga ndalama zambiri momwe mungathere kwa nthawi yayitali musanapite kukasaka nyumba. Koma, tili ndi moyo kwa kanthawi. Sitingakhale pansi ndi kudziunjikira ndalama mpaka kalekale. Choncho kachiwiri. Mumasiya liti? Kodi ndi ndalama zingati zomwe zimafunika kuti munthu apereke dipositi panyumba? Kodi pali yankho lotsimikizirika la funso limenelo?
Upangiri Wobwereketsa Ato 2021
Mawu akuti "ngongole" amatanthauza ngongole yomwe imagwiritsidwa ntchito pogula kapena kukonza nyumba, malo, kapena mitundu ina ya katundu weniweni. Wobwereka amavomera kulipira wobwereketsa pakapita nthawi, nthawi zambiri pamalipiro anthawi zonse omwe amagawidwa kukhala chiwongola dzanja ndi chiwongola dzanja. Malowa amakhala ngati chikole kuti apeze ngongoleyo.
Wobwereketsa amayenera kufunsira ngongole kudzera mwa wobwereketsa yemwe amamukonda ndikuwonetsetsa kuti akukwaniritsa zofunikira zingapo, monga ziwongola dzanja zochepa ndi zobweza. Zofunsira kubwereketsa zimalowa m'ndondomeko yolimba kwambiri isanafike pomaliza. Mitundu ya ngongole zanyumba imasiyana malinga ndi zosowa za wobwereka, monga ngongole zanthawi zonse ndi ngongole zokhazikika.
Anthu ndi mabizinesi amagwiritsa ntchito ngongole zanyumba kuti agule malo popanda kulipira mtengo wonse wogulira. Wobwereka amabweza ngongoleyo kuphatikiza chiwongola dzanja pazaka zingapo zoikidwiratu mpaka atakhala ndi malowo kwaulere komanso mopanda chiwongola dzanja. Ngongole zobwereketsa zimadziwikanso ngati ma liens otsutsana ndi katundu kapena mangawa pa katundu. Ngati wobwereketsa alephera kubweza ngongoleyo, wobwereketsayo akhoza kuwonongera katunduyo.
Palibe ndalama zobwereka, koma pali ndalama
Mukamaliza ntchito yanu ya penshoni yaukalamba, tidzakufunsani kuti mutipatse zambiri komanso zikalata zina zokuthandizani. Tikufuna zolemba zothandizira kuti titsimikizire zomwe mumapereka muzofunsira zanu. Popanda iwo sitingathe kuwunika ntchito yanu. Tikhozanso kukufunsani zambiri mutapereka fomu yanu.
Mungafunike kutipatsa zikalata zanu kuti titsimikize kuti ndinu ndani. Tikakufunsani, muyenera kupereka zikalata zanu za ID musanapereke fomu yanu. Popanda iwo sitingayambe kuwunika ntchito yanu. Kukhala okonzeka kukuthandizani kumaliza zomwe mukufuna komanso kuti musachedwe. Ngati simukudziwa zomwe mukufuna kutumiza, tiyimbireni pa Senior Helpline.
Mukatumiza pempho lanu la penshoni ya okalamba, tikuwunika momwe zinthu zilili. Ngati tikufuna zambiri, tidzapempha. Tikutumizirani kalata ku bokosi lanu la makalata la myGov, ngati muli nalo. Ngati mulibe, tikutumizirani izi kudzera pa imelo.
Nthawi zambiri, muyenera kupereka zikalata zomwe tikupempha pasanathe masiku 14. Ngati simutero, tikhoza kukana pempho lanu. Tiyimbireni pa Senior Australian Helpline ngati mukuvutikira kupereka zambiri zomwe tikufunsani.
Kuchotsera misonkho pakugulitsa nyumba ku Australia
Mawu ndi matanthauzo otsatirawa cholinga chake ndi kupereka tanthauzo losavuta komanso losavuta kwa mawu ndi ziganizo zomwe mungawone patsamba lathu zomwe mwina simukuzidziwa. Tanthauzo lenileni la liwu kapena liwu limatengera komwe likugwiritsidwa ntchito komanso momwe limagwiritsidwira ntchito, monga zolemba zoyenera, kuphatikiza mapangano osainidwa, mawu a kasitomala, zolemba zamkati zamapulogalamu apulogalamu, ndi kagwiritsidwe ntchito kamakampani, zidzawongolera tanthauzo. Migwirizano ndi matanthauzo omwe amatsatirawa alibe zomangirira pazolinga za mgwirizano uliwonse kapena zochitika zina ndi ife. Woimira wanu wa Campus Housing Programs kapena ogwira ntchito ku Loan Programs Office adzakhala okondwa kuyankha mafunso aliwonse omwe mungakhale nawo.
Mndandanda wa Zolemba Zofunsira: Mndandanda wa zolemba zomwe wobwereka ndi campus ayenera kupereka ku Ofesi ya Loan Programs kuti ivomerezedwetu kapena kuvomereza ngongole. Imadziwikanso kuti mawonekedwe a OLP-09.
Automated Clearing House (ACH): Netiweki yotumizira ndalama pakompyuta yomwe imalola kusamutsa ndalama mwachindunji pakati pa maakaunti aku banki ndi obwereketsa. Izi zimapezeka kwa obwereka okha omwe sali pantchito yolipira.
