Chiŵerengero cha ngongole ndi ndalama
Kuti muyankhe funsoli, muyenera kudziwa njira zangongole zanyumba, komanso zofunikira zochepa kuti muyenerere. Obwereketsa adzayang'ana pa ngongole yanu, ndalama, ndalama, ngongole, ndi zolemba kuti awone ngati mukuyenerera kubwereketsa ngongole.
Khulupirirani kapena ayi, simukusowa ngongole yabwino kuti mupeze ngongole. Mapulogalamu osiyanasiyana ogula nyumba amakhala ndi zofunikira zosiyanasiyana zangongole, ndipo nthawi zina ngongole zotsika mpaka 580 zimatha kukwaniritsidwa.
Mapulogalamu ena obwereketsa, monga FHA, VA, ndi USDA, amalola kugwiritsa ntchito ngongole zomwe si zachikhalidwe pakubweza ngongole. Mutha kutsimikizira kuti ndinu woyenera kubwereketsa kudzera muzinthu monga zolipirira zofunikira, kulipira lendi, kulipira inshuwaransi, ndi kulipira foni yam'manja.
Izi zikugwiranso ntchito kwa obwereketsa omwe adzigwira okha ntchito, ndiye kuti mudzafunika kupereka msonkho wanu waumwini ndi wamabizinesi kwa zaka ziwiri zapitazi. Kubweza msonkho kuyenera kuwonetsa kuti ndalama zakhala zokhazikika kwa miyezi 24 yapitayi, kutanthauza kuti zakhala zomwezo kapena zawonjezeka.
Pankhani ya USDA, mwachitsanzo, ndalama zonse zabanja ziyenera kukhala pansi kapena pansi pa 115% ya ndalama zapakatikati. Ndipo ngati mukufunsira pulogalamu ya Fannie Mae's HomeReady kapena Freddie Mac's Home Possible, ndalama zomwe mumapeza siziyenera kupitirira malire omwe mumapeza.
calculator ya ngongole
Zofunikira zapadziko lonse lapansi ku NetherlandsKuti mupeze ngongole yaku Dutch, muyenera kukhala ndi nambala ya BSN. Mukukonzekera kusamukira ku Netherlands ndipo mulibe BSN panobe? Titha kuwerengera bajeti yanu yanyumba kuti tiwone kuti mungabwereke zingati popanda nambala ya BSN.
Kodi ndingapeze ngongole ku Netherlands ngati ndili ndi ntchito yosakhalitsa? Inde, mutha kupeza ngongole ngati muli ndi ntchito yosakhalitsa. Mutha kupeza ngongole ku Netherlands ngati muli ndi ntchito yosakhalitsa. Kuti mupeze ngongole yanyumba, mudzafunsidwa chilengezo cha cholinga. Mwa kuyankhula kwina, muyenera kupitiriza ntchito yanu ikangotha mgwirizano wanu wakanthawi. Kuphatikiza apo, muyenera kupereka mndandanda wa zikalata zofunsira kubweza ngongole.
Chimodzi mwazofunikira kuti mupeze ngongole ku Netherlands mwachangu ndikukhala ndi mgwirizano wokhazikika. Ngati muli ndi mgwirizano wosadziwika, ndondomeko yanu yobwereketsa ngongole idzakhala yachangu. Zolemba zowonjezera zofunika kuti mupeze ngongole ku Netherlands ndi:
chivomerezo choyambirira
Ngongole zangongole zitha kukhala mutu wosokoneza ngakhale kwa ogula odziwa zambiri azachuma. Anthu ambiri amamvetsetsa kuti ngongole yabwino imakulitsa mwayi wanu wopeza ngongole chifukwa zikuwonetsa wobwereketsa kuti mutha kubweza ngongoleyo panthawi yake.
Ichi ndichifukwa chake obwereketsa ambiri amafunikira chiwongola dzanja chochepa pa ngongole zomwe amapereka. Koma kodi mukudziwa kuti ndi ndalama zingati zomwe mungafune kuti mutenge ngongole ndikugula nyumba? Ndipo kodi mumadziwa kuti izi zimasiyana malinga ndi mtundu wa ngongole yomwe mukuyang'ana?
Nthawi zambiri, mufunika ngongole zosachepera 620 kuti mupeze ngongole yogulira nyumba. Izi ndizomwe zimafunikira kuti obwereketsa ambiri azikhala ndi ngongole wamba. Izi zati, ndizothekabe kubwereketsa ngongole yokhala ndi ngongole zochepa, kuphatikiza ma 500.
Ngongole yocheperako yomwe ikufunika kuti mutenge ngongole mu 2021 zimatengera mtundu wandalama zomwe mukufuna kupeza. Zigoli zimasiyana ngati mukufunsira ngongole ya inshuwaransi ya Federal Housing Administration, yomwe imadziwika bwino kuti ngongole ya FHA; imodzi yokhala ndi inshuwaransi ndi dipatimenti ya United States of Veterans Affairs, yomwe imadziwika kuti ngongole ya VA; kapena ngongole yanyumba wamba kuchokera kwa wobwereketsa wamba:
Mtengo wa Rocket Mortgage
Kugula nyumba kungakhale kosangalatsa komanso kosangalatsa, koma ogula kwambiri ayenera kuyamba ntchitoyi ku ofesi ya ngongole, osati pakhomo. Ogulitsa ambiri amayembekeza ogula kukhala ndi kalata yovomerezeka ndipo adzakhala okonzeka kuthana ndi omwe akuwonetsa kuti angapeze ndalama.
Chiyeneretso cha chiwongoladzanja chingakhale chothandiza monga kuyerekezera kuchuluka kwa ndalama zomwe munthu angakwanitse kuwonongera nyumba, koma chivomerezo choyambirira ndi chofunika kwambiri. Zikutanthauza kuti wobwereketsa wayang'ana ngongole ya wogulayo ndipo watsimikizira zolembedwazo kuti avomereze ndalama zinazake zangongole (kuvomereza kumatenga nthawi inayake, monga masiku 60-90).
Ofuna kugula amapindula m'njira zingapo pokambirana ndi wobwereketsa ndikupeza kalata yowavomereza. Choyamba, ali ndi mwayi wokambirana zosankha za ngongole ndi bajeti ndi wobwereketsa. Chachiwiri, wobwereketsa adzayang'ana ngongole ya wogula ndikuwulula zovuta zilizonse. Wogula adzadziwanso kuchuluka kwa ndalama zomwe angabwereke, zomwe zingawathandize kukhazikitsa mtengo wamtengo wapatali. Kugwiritsa ntchito chowerengera chanyumba ndi njira yabwino yopangira bajeti.
