Kodi ndipemphe ngongole yanyumba?
Ndife ntchito yofananira yodziyimira payokha, yothandizidwa ndi zotsatsa. Cholinga chathu ndi kukuthandizani kuti mupange zisankho zanzeru zachuma popereka zida zolumikizirana ndi ndalama zowerengera ndalama, kusindikiza zolemba zoyambirira ndi zomwe mukufuna, ndikukulolani kuti mufufuze ndikuyerekeza zambiri kwaulere, kuti mutha kupanga zosankha zachuma molimba mtima.
Zopereka zomwe zikuwonekera patsambali ndi zochokera kumakampani omwe amatilipira. Kulipiridwaku kungakhudze momwe zinthu zimawonekera patsamba lino, kuphatikiza, mwachitsanzo, momwe zingawonekere m'magulu amndandanda. Koma kubweza kumeneku sikukhudza zambiri zomwe timafalitsa, kapena ndemanga zomwe mumawona patsamba lino. Sitikuphatikiza dziko lonse lamakampani kapena zopereka zandalama zomwe zingapezeke kwa inu.
Ndife odziyimira pawokha, ntchito zofananira zothandizidwa ndi zotsatsa. Cholinga chathu ndi kukuthandizani kuti mupange zisankho zanzeru zachuma popereka zida zolumikizirana ndi zowerengera zachuma, kusindikiza zomwe zili zoyambira komanso zolinga, ndikukulolani kuchita kafukufuku ndikuyerekeza zambiri kwaulere, kuti mutha kupanga zosankha zachuma molimba mtima.
Bwanji kutenga ngongole
Ngati muli ngati anthu ambiri, kubweza ngongole yanu ndikulowa popanda ngongole zopuma pantchito kumakhala kosangalatsa. Ndikuchita bwino kwambiri ndipo kumatanthauza kutha kwa ndalama zomwe zimawononga pamwezi. Komabe, kwa eni nyumba ena, mkhalidwe wawo wandalama ndi zolinga zawo zingafunikire kusunga chikole pamene akusamalira zinthu zina zofunika kwambiri.
Moyenera, mutha kukwaniritsa cholinga chanu mwa kulipira pafupipafupi. Komabe, ngati mukufuna kugwiritsa ntchito ndalama zolipirira ngongole yanu yanyumba, yesani kulowa muakaunti yamisonkho kaye m'malo mosunga ndalama mukapuma pantchito. "Ngati mutachotsa ndalama ku 401 (k) kapena IRA musanakwanitse zaka 59½, mudzalipira msonkho wanthawi zonse - kuphatikizapo chilango - zomwe zidzathetseretu ndalama zilizonse zomwe zingasungire chiwongoladzanja pa ngongole," akutero Rob.
Ngati ngongole yanu ilibe chilango cholipiriratu, njira ina yolipirira zonse ndikuchepetsa wamkulu. Kuti muchite izi, mutha kubweza ndalama zowonjezera mwezi uliwonse kapena kutumiza ndalama pang'ono. Njira iyi imatha kupulumutsa chiwongola dzanja chochuluka ndikufupikitsa moyo wangongole ndikusunga kusiyanasiyana komanso kusapeza ndalama. Koma pewani kukhala waukali kwambiri pa izi, kuopera kuti mungawononge zinthu zina zofunika pakusunga ndi kuwononga ndalama.
Kodi ndiyenera kulipira ndalama zogulira nyumba ndikapuma pantchito?
Kulikonse mumamva kuipa kokhala ndi ngongole. Choncho, mwachibadwa, n'zomveka kuti kugula nyumba ndi ndalama-kapena kuika ndalama zambiri m'nyumba mwanu kuti mupewe ngongole yaikulu yobwereketsa-ndilo chisankho chanzeru kwambiri pa thanzi lanu lachuma.
Kulipira ndalama zogulira nyumba kumathetsa kufunika kolipira chiwongola dzanja pa ngongole ndi kutseka ndalama. "Palibe chindapusa chobwereketsa nyumba, chindapusa, kapena ndalama zina zomwe obwereketsa amalipiritsa kuti awonetse ogula," atero a Robert Semrad, JD, mnzake wamkulu komanso woyambitsa wa Chicago-based DebtStoppers Bankruptcy Law Firm.
Kulipira ndalama nthawi zambiri kumakhala kokopa kwambiri kwa ogulitsa. "Pamsika wampikisano, wogulitsa amatha kuvomera ndalama imodzi kuposa wina chifukwa sada nkhawa kuti wogula akukana kulandira ndalama," akutero Peter Grabel, woyang'anira wamkulu wa MLO Luxury Mortgage. Corp. ku Stamford, Conn. Kugula nyumba yandalama kumakhalanso ndi kuthekera kotseka mwachangu (ngati mukufuna) kuposa komwe kumaphatikizapo ngongole, zomwe zitha kukhala zokopa kwa wogulitsa.
Ndalama vs. Cash Calculator ngongole yanyumba
Ngati mukuyang'ana nyumba yatsopano ndikuganiza zolipira ndalama m'malo motenga ngongole, mungafune kuganiza mozama musanatulutse cheke. Kulipira ndalama kumatha kukuyikani pachiwopsezo chomwe simunaganizirepo, ndipo kutenga ngongole yanyumba kungakhale kopindulitsa kuposa momwe mukuganizira.
Kumanga ndalama zanu kuti mugule nyumba kungakhale kovuta panthawi yadzidzidzi. Ndizovuta kwambiri kugulitsa nyumbayo mofulumira kusiyana ndi kupeza ndalama kuchokera kuzinthu zina, monga ndalama zogwirizanitsa kapena ma bond. Palibenso chitsimikizo kuti mudzatha kugulitsa nyumba pazomwe mukufuna, kapena nkomwe, malingana ndi mphamvu kapena kufooka kwa msika wogulitsa nyumba m'dera lanu. Komanso, nthawi yofunikira kuti mumalize kugulitsa nyumba ikhoza kukhala yayitali, zomwe zimapangitsa kukhala chisankho cholakwika kukwaniritsa zosowa zadzidzidzi. Muyeneranso kuganizira maganizo mbali. Anthu ambiri angaganize zogulitsa nyumba zawo ngati njira yomaliza kapena zovuta kwambiri, ngakhale pakagwa mwadzidzidzi. Kugulitsa ndalama zina zomwe simunagwirizane nazo kungakhale kosavuta.
