mortgage etymology
Yankho lofulumira ndi inde, mutha kuswa mgwirizano wanu wangongole yokhazikika nthawi yake isanathe, koma nthawi zonse sibwino kutero. Panthawi imodzimodziyo, pamene mitengo yamtengo wapatali yobwereketsa ikupitirirabe pafupi ndi kuchepa kwa mbiri yakale, eni nyumba ambiri omwe alipo panopa angapeze kuti kuchita zimenezi kudzakhala chida chothandiza chomwe chingathandize kubwezeretsa ndalama m'thumba lawo. Kudziwa momwe mungaswe komanso nthawi yochotsera ngongole yobwereketsa ndikofunikira kwambiri kukumbukira.
Zowonadi, ngati muli ndi ngongole yobwereketsa, mwina mukulipira zambiri kuposa momwe mungafunikire, ndipo kudziwa ngati mutha kubweza ngongole yobwereketsa lingakhale funso lofunika kudzifunsa. Ndipo ndikuti ngati muphwanya chiwongola dzanja chokhazikika, mutha kupulumutsa ma euro masauzande pakubweza ngongole pamwezi chaka chilichonse, osatchulanso moyo wangongole. Kuti mudziwe zambiri ngati mungapindule (ndi ndalama zingati zomwe mungabweze m'thumba mwanu) pokonzanso kapena kubwezeretsanso ngongole yanu yanyumba, ingowerenganibe. Ndikofunika kudziwa kuti ngakhale obwereketsa ambiri amakhala ndi zilango zolipiriratu, Rocket Mortgage® alibe.
Norsk mortgage
Kimberly Amadeo ndi katswiri pazachuma ndi ndalama ku United States ndi padziko lonse lapansi, ali ndi zaka zopitilira 20 pakuwunika zachuma komanso njira zamabizinesi. Iye ndi purezidenti wa webusaiti ya zachuma World Money Watch. Monga mlembi wa The Balance, Kimberly amapereka chidziwitso cha momwe chuma chikuyendera masiku ano, komanso zochitika zakale zomwe zakhala ndi zotsatira zokhalitsa.
Lea Uradu, JD ndi omaliza maphunziro awo ku University of Maryland School of Law, Registered Tax Preparer ku State of Maryland, State Certified Notary Public, Certified VITA Tax Preparer, Wotenga nawo mbali mu Pulogalamu Yapachaka Yosungira Nyengo ya IRS, wolemba msonkho komanso woyambitsa. za LAW Tax Resolution Services. Lea wagwira ntchito ndi mazana amakasitomala amisonkho ochokera kumayiko ena.
Chiwongola dzanja chokhazikika ndi ngongole yanyumba pomwe chiwongola dzanja sichisintha moyo wonse wangongole. Chiwongola dzanja chimaposa pang'ono chiwongola dzanja cha Treasury pamene ngongole ikuchotsedwa. Sizisintha ngakhale zokolola za Treasury zisintha.
A fixed rate mortgage ndi ngongole yanyumba yomwe chiwongola dzanja sichisintha pa moyo wa ngongoleyo. Chiwongoladzanja ndi chokwera pang'ono kuposa cha Treasury bond panthawi yobwereketsa ngongole. Sizisintha ngakhale zokolola za Treasury zisintha.
Ngongole zanyumba zosiyanasiyana
Kupeza ngongole yobwereketsa ndi gawo lofunika kwambiri pogula nyumba yanu yoyamba, ndipo pali zinthu zingapo zoti musankhe yoyenera kwambiri. Ngakhale ndalama zambiri zomwe anthu ogula nyumba amapeza poyamba zingawoneke ngati zovuta, kuthera nthawi yofufuza zofunikira za ndalama zapakhomo kungakupulumutseni nthawi ndi ndalama zambiri.
Kudziwa msika womwe nyumbayo ilimo komanso kudziwa ngati ikupereka chilimbikitso kwa obwereketsa kungakubweretsereni phindu lazachuma. Komanso, poyang'anitsitsa ndalama zanu, mukhoza kuonetsetsa kuti mukupeza ngongole yomwe ikugwirizana ndi zosowa zanu. Nkhaniyi ikufotokoza zina mwazinthu zofunika zomwe ogula nyumba koyamba amafunikira kuti agule kwambiri.
Kuti muvomerezedwe ngati wogula nyumba koyamba, muyenera kukwaniritsa tanthauzo la wogula nyumba koyamba, lomwe ndi lalikulu kuposa momwe mukuganizira. Wogula nyumba koyamba ndi munthu yemwe sanakhale ndi nyumba yoyamba kwa zaka zitatu, munthu wosakwatiwa yemwe ali ndi nyumba yokha ndi mkazi kapena mwamuna wake, munthu yemwe ali ndi nyumba yokhayo yomwe siinakhazikike ku maziko kapena munthu amene ali ndi nyumba yokhazikika. anali ndi nyumba yokha yomwe inalibe malamulo omanga.
calculator ya ngongole
Pogula nyumba, pali zambiri zofunika kuziganizira kuposa kuchuluka kwa zipinda, kukula kwa bwalo ndi malo. Muyeneranso kuganizira momwe mungalipire nyumbayo. Kwa ogula ambiri, izi zikutanthauza kufunsira ngongole yanyumba.
Sikuti ngongole zonse zanyumba ndizofanana. Ena amapereka chiwongola dzanja chokhazikika, chomwe chimakhalabe chimodzimodzi m'moyo wonse wangongole. Ena ali ndi mitengo yosinthika, yomwe imatha kusintha malinga ndi kalendala. Ngongole zina zimayenera kulipidwa zaka 15, ndipo zina zimakupatsani zaka 30 kuti mulipire.
Ngongole yobwereketsa yazaka 30 ndiyo njira yotchuka kwambiri pakati pa ogula nyumba. Dziwani zambiri za tanthauzo la kutenga ngongole yanyumba yazaka 30, zomwe chiwongola dzanja chokhazikika chazaka 30 chimatanthauza, komanso ngati ngongoleyi ndi njira yoyenera kwa inu.
Ngongole yobwereketsa yazaka 30 ndi ngongole yanyumba yokhala ndi nthawi yobweza zaka 30 komanso chiwongola dzanja chomwe chimakhala chimodzimodzi nthawi yonse ya ngongoleyo. Mukaganiza zopempha ngongole yanyumba yazaka 30 yokhala ndi chiwongola dzanja chokhazikika, inshuwaransi yomwe muyenera kulipira mwezi uliwonse imakhala yofanana mpaka mutamaliza kubweza ngongoleyo.
