Kodi ndingabwereke nyumba yanga ngati ndili ndi ngongole yanyumba?
Kugula nyumba ndi ndalama zambiri zomwe zimabweretsa zabwino zambiri zosatsutsika. Zopindulitsa zimakutsegulirani zitseko zatsopano ndikutseka zomwe mwina mumaopa kuzitseka kwa nthawi yayitali.
Moyo wake wodzaza ndi ufulu, kudziyimira pawokha komanso kuthekera kosintha malingaliro ake ndikuyenda, wasowa. Pogula malo, mukuchotsa njira iyi. Muli ndi udindo womwe, kumbali ina, ukubweretserani zosangalatsa zambiri zaumwini komanso phindu lazachuma.
Lingaliro lomwe lilipo kuti ngongole yobwereketsa ndi kudzipereka kwa zaka 30 ikusintha pang'onopang'ono, ndipo anthu akuyamba kuziwona bwino, monga ndalama ndi mwayi. Mwayi umene umabweretsa mapindu omwe angagawidwe m'magulu awiri: payekha ndi ndalama
Ngati ndinu m'modzi mwa omwe ali ndi mwayi, omwe mwapeza malo omwe adakulimbikitsani, zikomokere nokha! Komabe, muyenera kuyang'anitsitsa zosintha zotsatirazi zomwe zimakhala ngati cheke kuti muwunikenso mwatsatanetsatane malowo.
Chimachitika ndi chiyani ngati simuuza kampani yanu yobwereketsa kuti mukubwereketsa malo anu
Ndi nkhani yabwino bwanji! Kaya mwapeza nyumba yomwe mukufuna kugula kapena mukusakasaka nyumba, pali chinthu chimodzi chomwe muyenera kudziwa popeza mwapeza chithandizo chandalama kuchokera kwa wobwereketsa: Ndikofunikira kuti ngongole yanu ikhale yabwino kuyambira pano mpaka tsiku lomaliza. . Kodi zimenezo zikutanthauza chiyani kwenikweni? Tsatirani malangizo athu pansipa kuti mudziwe zambiri:
Osachita chilichonse ndi mbiri yanu yangongole kapena ndalama zomwe zingakupangitseni kusintha kwakukulu, ndipo mukakayikira, funsani malangizo kwa alangizi anu odalirika, monga wobwereketsa nyumba ndi mlangizi wangongole.
Wolemba Bio: Blair Warner ndi amene anayambitsa ndi Sr. Credit Consultant wa Upgrade My Credit. Pambuyo pa zaka zambiri mu bizinesi ya ngongole, wakhala mmodzi mwa akatswiri otsogolera ngongole ndi alangizi a ngongole ku Dallas / Fort Worth dera kuyambira 2006. Iye ali wofunitsitsa kuthandiza anthu kusamalira ngongole zawo ndi ngongole m'malo mokulolani kuti muwagwire. Monga tate wa ana anayi komanso wokonda kuphunzitsa, Blair samangolangiza, koma amawongolera ndi kuphunzitsa ogula momwe angakhalire ndi moyo wokwanira wandalama.
ndingabwereke nyumba yanga osauza wobwereketsa nyumba yanga reddit
Kwa anthu ambiri, ngongole imodzi imayimira ngongole yayikulu komanso ndalama zomwe angapange, koma pali zifukwa zambiri zomwe mungafune kugula nyumba yachiwiri, kapena yachitatu.
Ku UK pali mitundu iwiri ya ngongole zanyumba: ngongole yokhalamo, yomwe imagwiritsidwa ntchito kugula nyumba yokhalamo, ndi ngongole yanyumba, yomwe ndi ngongole yogulira malo ogulitsa.
Izi ndizodabwitsa kwa ambiri, koma palibe lamulo lomwe limakulepheretsani kukhala ndi ngongole zambiri zanyumba, ngakhale mutha kukhala ndi vuto lopeza obwereketsa omwe akufuna kukulolani kuti mutenge ngongole yanyumba pambuyo pa ochepa oyamba.
Ngongole iliyonse imafuna kuti mudutse njira za wobwereketsa, kuphatikiza kuwunika momwe mungakwanitsire komanso cheke cha ngongole. Kuti muvomerezedwe kubwereketsa kwachiwiri, muyenera kusonyeza kuti muli ndi ndalama zofunikira kuti mupereke malipiro, chimodzimodzi ndi chachitatu, ndi chachinayi, ndi zina zotero.
Koma bwanji ngati mukukhala malo awiri? Anthu ambiri amakhala ndi mabanja koma amasamukira mumzinda mkati mwa mlungu ndikukhala m’nyumba yogona kumeneko kuti akagwire ntchito; pambuyo pa zonse, nduna zimachita. Pali kuthekera kopereka chiwongola dzanja chachiwiri pazifukwa izi, koma ndikofunikira kuzindikira kuti wobwereketsayo akufuna kukhala ndi umboni wambiri wosonyeza kuti ndi choncho.
Kodi ndingabwereke nyumba yanga popanda kudziwitsa wobwereketsa wanga wanyumba?
Kukhala ndi nyumba ndiye mwala wapangodya wa maloto aku America. Koma ndi okwera mtengo kwambiri. Ngati ndinu wobwereketsa mukudabwa ngati ili nthawi yogula nyumba, pali zambiri zoti muganizire. Si nthawi zonse kusankha kophweka.
Chinthu choyamba posankha kugula nyumba kapena kupitiriza kubwereka ndikusanthula momwe ndalama zanu zilili. Kugula nyumba ndi gawo lalikulu lazachuma. Osamangodzimva kuti ndinu okonzekera ndalama, koma wobwereketsa wanu ayenera kuvomereza. Izi zikutanthauza kukwaniritsa zofunika zina.
Mwachidziwikire, mudzafunika kutenga ngongole yanyumba kuti mugule nyumba yomwe mukufuna. Obwereketsa wamba wamba amafuna kubweza 20%. Kubweza ndalamazi kumawonetsa kwa obwereketsa kuti mwadzipereka kubweza ngongole yanyumba pamwezi ndikukulolani kuti mupewe kulipira inshuwaransi yanyumba (PMI).
Kulipira kocheperako kumatheka, makamaka kudzera mu ngongole zothandizidwa ndi boma kwa ogula nyumba koyamba. Ndi ngongole zochokera ku Federal Housing Administration (FHA), mwachitsanzo, mutha kulipira mpaka 3,5%. Komabe, mudzayeneranso kulipira inshuwaransi yam'nyumba yam'nyumba, komanso zolipirira pamwezi.
