Tanthauzo la ngongole yanyumba
Weller analemba kuti: "Anzeru amazindikira mawu osakhazikika mu 'ndalama': 'ndalama,' kapena 'imfa,'" akulemba motero Weller. "Mawuwa amachokera ku Chifalansa Chakale, ndipo chisanafike Chilatini, kutanthauza 'chovala cha imfa'." Izi zitha kuwoneka ngati zankhanza. Ndi iko komwe, nyumba yomwe mwagula ndi malo omwe mudzakhalamo. Quentin Fottrell Marketplace akuti theka lalikulu la anthu aku America akuvutika kulipira nyumba yawo.
Malinga ndi kafukufuku wa "How Housing Matters", wochitidwa ndi bungwe lopanda phindu John D. ndi Catherine T. MacArthur Foundation ndi Hart Research Associates, 50% ya anthu a ku America adzipereka kwambiri, monga kutenga ngongole ya kirediti kadi kapena kuvomereza sekondi imodzi. ntchito, m'zaka zitatu zapitazi, kuti athe kulipira nyumba zawo. Akatswiri mwamwambo amawona kuti ndalama zanyumba zomwe zimafuna ndalama zosaposa 30% za ndalama zapakhomo kuti zitheke, koma Fottrell akunena kuti "15% ya eni nyumba a ku America amakhala m'misika ya nyumba kumene ngongole ya mwezi uliwonse ya A panyumba yapakatikati imafuna zoposa 30 peresenti. za ndalama zapakatikati zapanyumba zapamwezi, zomwe kwa nthawi yayitali zimaganiziridwa kuti ndizokwera kwambiri pakulipira lendi/nyumba yanyumba." Ziwerengerozi zikuphatikiza misonkho yanyumba, inshuwaransi zosiyanasiyana, kukonza, ndi chiwongola dzanja chanyumba - ndalama zonse zosungira ndi kulipira ngongole yanyumba.Average American's Mortgage Payment, yolembedwa ndi AgeCreate your own infographicsMudzazindikira kuti malipiro apakati pamwezi Otsika kwambiri - kwa 75 ndi pagulu - akadali $447 pamwezi. Ngati tisankha malinga ndi kuchuluka kwa ndalama zomwe timalandira musanakhome msonkho, ndiye pafupifupi 16% ya ndalama zomwe anthu ambiri amapeza.
Mejor.com wikipedia
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.
Merriam Webster Mortgage
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.
katchulidwe ka ngongole
Nazi zinthu zitatu zomwe ogula nyumba ku Louisville ayenera kudziwa pamene chiwongola dzanja chikukwera - Chiwongola dzanja chochepa m'mbuyomu chakhala malo ogulitsa kwa ogula akuganizira zolowa mumsika, koma ziwerengerozo zikukwera koyambirira kwa 3.
Pali zinthu zambiri zomwe muyenera kuziganizira, monga ndalama zomwe mumapeza komanso ngongole, zinthu zomwe muli nazo, ndalama zangongole, ndalama zolipirira, chiwongola dzanja chanyumba, mtengo wogulira, malo ndi mtundu wa malo.
Lingaliro la Germany lakubwereketsa tsogolo lake lamphamvu (ndi chuma chake) ku mafuta ndi gasi waku Russia zikuwoneka ngati kulakwitsa koyambako, osapeza chitetezo champhamvu kapena zotsatira zabwino kwambiri zanyengo.
Biluyo ikufunanso kutsitsa malire a ngongole yanyumba kufika $250.000 kapena kuchepera. Othandizira ake, kuphatikiza a Oregon Association of Realtors, awonetsa mfundoyi ngati chinthu chomwe chimapindulitsa komanso chopindulitsa eni nyumba.
Komabe, ntchito ya sukulu ya zamalamulo inalephereka chifukwa cha mikangano pakati pa a Cahn ndi aphunzitsi, kusokonekera, ndi mavuto a zachuma zomwe zinapangitsa kuti banjali, panthaŵi ina, libwereke nyumba yawo kuti ipitirize kugwira ntchito.
