Bwanji ngati sindingathe kubweza ndalama pambuyo pa chisudzulo?
Timalandila chipukuta misozi kuchokera kwa othandizana nawo omwe amatsatsa patsamba lino. Sitinawunikenso zonse zomwe zilipo kapena zotsatsa. Kulipiridwa kungakhudze dongosolo lomwe zotsatsa zimawonekera patsamba, koma malingaliro athu akonzi ndi mavoti satengera chipukuta misozi.
Zambiri kapena zonse zomwe zili pano ndi zochokera kwa anzathu omwe amatipatsa ntchito. Umu ndi momwe timapangira ndalama. Koma kukhulupirika kwathu kwa mkonzi kumatsimikizira kuti malingaliro a akatswiri athu sakukhudzidwa ndi chipukuta misozi. Migwirizano ingagwire ntchito pazotsatsa zomwe zikuwonekera patsambali.
Ascent's Best Mortgage Wobwereketsa wa 2022 Mitengo yandalama ikukwera, komanso mwachangu. Koma iwo akadali otsika poyerekeza ndi miyezo ya mbiri yakale. Chifukwa chake, ngati mukufuna kupezerapo mwayi pamitengo isanakwere kwambiri, mufuna kupeza wobwereketsa yemwe angakuthandizeni kupeza ndalama zolipirira bwino kwambiri.Ndipamene Better Mortgage imabwera.Mutha kuvomerezedwa kale pang'ono. ngati mphindi 3. , palibe cheke cholimba changongole, ndikutseka mtengo wanu nthawi iliyonse. Ubwino wina? Samalipiritsa chindapusa kapena chindapusa (chomwe chingakhale chokwera mpaka 2% yangongole kwa ena obwereketsa).
Mafunso okhudza kusudzulana ndi kubweza ngongole
Kwa ambiri, ndi mphindi yowawa kwambiri. Ndipo, monga ngati kulemedwa maganizo kwa mkhalidwewo sikunali kokwanira, tiyenera kuwonjezera ntchito yolekanitsa miyoyo ya wina ndi mzake: kulingalira zomwe zili zabwino kwa ana, zomwe zimachitika kunyumba, bizinesi ya banja, ziweto. . . Zitha kukhala zankhanza.
Ngati inu ndi mnzanuyo muli ndi nyumba ndikubwereketsa pamodzi, padzakhala mafunso ambiri okhudza momwe mungasamalire ndi zomwe mungachite. Nanga bwanji ngongole yanyumba? Kodi mungasankhe bwanji? Bwanji ngati mukufuna kukhala m'nyumba ya banja? Takuphimbani.
Ngati mwasankha kugulitsa, mungaganize zogula nyumba yaying'ono kwambiri m'dera lomwelo kapena kupita kwinakwake komwe mungathe kugula nyumba yofananira. Pamene pali ana okhudzidwa, zimenezo zingakhale zokhumudwitsa kwambiri.
Ichi ndichifukwa chake, nthawi zambiri, m'modzi mwa anthu amafuna kukhala m'nyumba yabanja, zomwe zikutanthauza kuti ayenera kugula mnzake wakale pakugulitsa kwachinsinsi. Apa ndipamene zinthu zimatha kukhala zovuta, ndipo kukhala ndi mlangizi wabwino wobwereketsa nyumba pambali panu kungapangitse kusiyana konse.
Kusamutsa chiwongola dzanja kwa mwamuna kapena mkazi wosudzulidwa
Ngongole yobwereketsa imalola eni nyumba oyenerera kuti asandutse ndalamazo m'nyumba zawo kukhala ndalama zokhazikika. Anthu okwatirana atha kulembetsa chiwongola dzanja chobweza ngongole panyumba yomwe ali limodzi, kapena m'modzi atha kulembetsa kubweza ngongole m'dzina lawo lokha.
Reverse mortgage ndi mtundu wapadera wangongole womwe umalola eni nyumba oyenerera kuti achotse ndalamazo m'nyumba zawo. Ngongole zobweza ngongole zomwe zimayendetsedwa ndi kuyang'aniridwa ndi Federal Housing Administration (FHA) zimadziwika kuti nyumba zosinthira nyumba (HECMs).
Ngongole yobwereketsa si yofanana ndi ngongole yanyumba yokhazikika kapena mzere wangongole wanyumba (HELOC). Ndi njira iliyonse, nyumbayo imakhala ngati chikole pa ngongoleyo, ndipo zomwe mumapeza ndi ngongole yachiwiri panyumbayo. Mumalipiritsa mwezi uliwonse kwa wobwereketsa, molingana ndi mikhalidwe ndi ndondomeko zomwe zakhazikitsidwa mu mgwirizano wa ngongole. Ngati mukulephera kubweza ngongole yanyumba kapena HELOC, wobwereketsayo atha kuyambitsa chigamulo cha kukulepheretsani kuti mubweze ngongoleyo.
Chifukwa chiyani wobwereketsa nyumba amafunikira lamulo lachisudzulo
Kodi muli koyambirira kwa chisudzulo kapena kutha kwa zibwenzi ndikuyang'ana zambiri za momwe mungatetezere ufulu wanu wokhala m'nyumba zomwe munagawana kale? Ndiye ndikofunikira kuti muwerenge kalozera wathu Kuteteza Ufulu Wa Mwini Panyumba Panthawi Yachisudzulo Kapena Kutha.
Cholinga cha khoti chidzakhala kugawa katundu wogawana m'njira yabwino yomwe imawonetsetsa kuti zosowa za aliyense zikukwaniritsidwa. Malamulo a Zifukwa za Ukwati amalongosola mphamvu zosiyanasiyana zomwe khoti lingagwiritse ntchito pogawirana katundu.
Okwatirana ambiri amene asudzula kapena kuthetsa ukwati wawo sakhala ndi khoti lililonse loti athetse mikangano yandalama. Koma ndi bwino kumvetsetsa zomwe makhoti angagamule panyumba.
Ndikoyenera kuyang'ana malangizo awa aku England, Northern Ireland kapena Wales: Kupuma koyera kapena kusungidwa kwa banja pambuyo pa chisudzulo kapena kuthetsedwa
