Katundu
Kwa ena, kukhala m’dzikoli n’kosangalatsa kwambiri. Mtendere ndi bata, malo anuanu, oyandikana nawo opanda phokoso, malo okongola, nyumba yayikulu, malo omasuka, kulera ana… mndandanda ukupitilira. Ngati mukuganiza zokhala panyumba, pali zambiri zoti muwerenge kuti muwonetsetse kuti moyo uno ndi woyenera kwa inu.
Malingana ngati simukukonzekera kulima kapena kuweta ziweto zogulitsa, kupereka ndalama zogulira nyumba kumudzi kumakhala kofanana ndi kupeza ndalama zogulira nyumba ya m'tauni, ndi kusiyana kwina kwa malo omwewo. M'nkhaniyi, tikambirana ndi kutchula:
Kubwereketsa ndalama nthawi zonse kumayang'anira chiwopsezo kwa wobwereketsa, chiopsezo choti mumalipira zomwe mwagwirizana ndipo simuyenera kubweza katunduyo. Zikafika pa ngongole zanyumba, obwereketsa safuna kwenikweni kuwonongera malo chifukwa zimatengera nthawi ndi khama kuti atulutse eni nyumbayo, kuwagulitsa, ndikugulitsa kuti athe kupeza ( zina) kubweza ndalama zawo. Pankhani ya katundu wakumidzi, malingana ndi kutali kwa malo ndi momwe katunduyo alili, nthawi yogulitsa pamsika ikhoza kukhala zaka, poyerekeza ndi kugulitsa mwamsanga nyumba m'tawuni, komwe kuli zambiri. kufunika kochulukirapo. Obwereketsa nyumba sakonda kudikirira zaka kuti abweze ndalama zawo pangongole yoyipa, kotero ali ndi malamulo apadera azinthu zakumidzi kuti achepetse chiopsezo chanu. (Ndikunena choncho!)
Momwe mungagulire malo akumidzi
Ngati mukugula malo m'malo mwa nyumba yomwe ilipo chifukwa mukufuna kumanga kuchokera pachiyambi, mudzafunika ngongole yanyumba. Ndipo izi zimabweretsa mavuto ambiri kuposa kupeza ngongole yanyumba. Chifukwa chimodzi, palibe nyumba yoti mugwiritse ntchito ngati chikole pa ngongoleyo, ndipo simungathe (nthawi zambiri) kugula malo opanda ndalama.
Choyamba, ndikofunikira kumveketsa bwino zomwe kugula kungaphatikizepo. Chifukwa chake, ndikofunikira kuti owunika alembe malire ndi kuti zonse zilembedwe kuti ziperekedwe kwa wobwereketsa. Chinthu chinanso chofunikira ndikuwunika zoletsa ndi zoletsa kugwiritsa ntchito malo.
Ndibwinonso kukaonana ndi dipatimenti yokonza mapulani kuti mudziwe zomwe zidzachitike m'dera lanu. Paki yatsopano kumapeto kwa msewu imatha kukulitsa mtengo wazinthu kwazaka zikubwerazi, pomwe msewu watsopano kapena malo opangira zimbudzi ndizochepa kutero.
Kwa maphukusi okhalamo, kupeza ntchito zaboma ndikofunikira. Kukhala ndi madzi, ngalande, magetsi ndi kulumikiza chingwe kumapulumutsa nthawi yambiri, ndalama komanso zovuta. Mofananamo, kupeza misewu ya anthu onse kungakhale nkhani yofunika kwambiri, chifukwa wogula adzayenera kupeza malo ochepetsetsa kuti alowe mumsewu wa anthu onse ngati palibe.
Mitundu Ya Ngongole Za Famu Yamalonda
Barry Swain ndi Mortgage Broker wokhala ku Orange NSW ndipo adzakuthandizani kupeza ndalama zomwe mungafune mosasamala kanthu za kukula kwa chiwembu chanu chakumidzi. Osati ku Orange? Osadandaula. Timathandiza makasitomala ndi zosowa zawo zachuma ku Midwest ndipo amatha kuthandizanso makasitomala ochokera kumayiko ena.
Kodi mwakonzeka kutenga sitepe yoyamba paulendo wosangalatsawu ndikupeza ngongole yakumidzi? Ndiye tikufuna kukuthandizani kukwaniritsa maloto anu ndikukupulumutsirani nthawi ndi ndalama nthawi imodzi. Ngati mungafune kuyankhula ndi katswiri, wobwereketsa nyumba wakumaloko kuti apeze ngongole yakumidzi, chonde dinani batani lomwe lili pansipa ndikulumikizana nafe.
Ngongole yakunyumba yokhala ndi maekala 40
Zingakhale zodabwitsa kwa anthu ambiri okhala m'tauni ya Ontario, koma chigawo chathu chachikulu ndi chakumidzi. Kwa Ontarians okhala kumidzi ndi obwereketsa nyumba (monga inu) omwe amawathandizira, gawo ili lachigawo limabweretsa zovuta: kumidzi ku Ontario kuli nyumba zina zokongola kwambiri zomwe mungaganizire. , koma kupeza wobwereketsa kutha kukhala yesa.
Monga wobwereketsa nyumba, mumafunika anzanu odalirika omwe angapereke ngongole zanyumba zomwe zimagwirizana ndi zosowa zamakasitomala anu. Ndi chuma chathu chakumidzi chakumidzi, Pillar ndi wokonzeka komanso wokonzeka kugwira ntchito nanu kuthandiza makasitomala kugula malo awo abwino kumidzi ya Ontario.
Pankhani yobwereketsa nyumba, mabanki akulu amayang'ana kwambiri madera akumidzi achigawochi ndipo amakhala ndi chidwi chochepa pothana ndi katundu wakumidzi. Ngati apereka ngongole, nthawi zambiri imakhala ndi zoletsa zina, mwachitsanzo, chiŵerengero chochepa cha loan-to-value (LTV) kusiyana ndi chomwe chingakhalepo ku malo akutawuni.
Komanso, mabanki sangaganizire kubwereketsa nyumba yokhala ndi chitsime ndi septic system (ie, yosalumikizidwa ndi madzi am'tauni ndi ngalande zotayira) pokhapokha ngati wobwereka ali ndi ngongole yabwino.
