Kodi ndiyenera kulipira ngongole yanga yanyumba mu 2020?
Kodi mukuganiza zogulitsa malo oti mubwereke kapena kugwiritsira ntchito ngati nyumba yatchuthi kwa apaulendo ena? Ikhoza kukhala gwero lodalirika la ndalama. Koma kodi mungadziwe bwanji ngati mwakonzeka kukhala mwininyumba?
Malo ogulitsa ndi katundu weniweni wogulidwa kuti apeze ndalama (ie, kubweza ndalama) kudzera mu ndalama zobwereka kapena kuyamikira. Malo ogulitsa nthawi zambiri amagulidwa ndi Investor m'modzi kapena angapo kapena gulu la osunga ndalama pamodzi.
Malo opangira ndalama amafunikira kukhazikika kwachuma kuposa nyumba zoyambira, makamaka ngati nyumbayo ikukonzekera kubwerekedwa kwa alendi. Obwereketsa ambiri amafuna kuti obwereketsa apereke ndalama zochepera 15% pazogulitsa, zomwe sizimafunikira mukagula nyumba yoyamba. Kuphatikiza pa kubweza ndalama zambiri, eni ake a malo ogulitsa omwe amabwereketsa kwa obwereketsa ayeneranso kukhala ndi nyumba zawo zovomerezedwa ndi oyang'anira m'maiko ambiri.
Onetsetsani kuti muli ndi ndalama zokwanira mu bajeti yanu kuti muthe kulipira ndalama zoyamba zogulira nyumba (monga kulipira, kuyendera, ndi kutseka ndalama), komanso kukonza ndi kukonzanso kosalekeza. Monga eni nyumba kapena mwini nyumba yobwereketsa, muyenera kukonza zofunikira munthawi yake, zomwe zingatanthauze kuyika mipope yadzidzidzi ndi kukonza kwa HVAC. Mayiko ena amalola obwereketsa kuti asapereke ndalama za lendi ngati simukonza zofunikira zapakhomo pa nthawi yake.
Invest 100 thousand kapena lipira ngongole
Nthawi zambiri, mutha kutenga ngongole yoyamba kuti mugule nyumba kapena nyumba, kukonzanso, kukulitsa ndi kukonza nyumba yanu yamakono. Mabanki ambiri ali ndi ndondomeko yosiyana kwa iwo omwe akufuna kugula nyumba yachiwiri. Kumbukirani kufunsa banki yanu yamalonda kuti ikufotokozereni bwino zomwe zili pamwambapa.
Banki yanu idzayesa kubweza kwanu posankha kuyenerera ngongole yanyumba. Kubweza kumatengera ndalama zomwe mumapeza pamwezi/zowonjezera, (zomwe zimatengera kuchuluka kwa ndalama zomwe mumapeza pamwezi kuchotsera zomwe mumawononga pamwezi) ndi zinthu zina monga ndalama za mnzanu, katundu, ngongole, kukhazikika kwa ndalama, ndi zina. Cholinga chachikulu cha banki ndikuwonetsetsa kuti mukubweza ngongoleyo bwino panthawi yake ndikuwonetsetsa kuti ikugwiritsidwa ntchito komaliza. Ndalama zomwe zimapezeka pamwezi zimakwera, ndiye kuti ndalama zomwe ngongoleyo ikuyenera kulandira zimakwera. Nthawi zambiri, banki imaganiza kuti pafupifupi 55-60% ya ndalama zomwe mumapeza pamwezi / zowonjezera zimapezeka pakubweza ngongole. Komabe, mabanki ena amawerengera ndalama zomwe amapeza pamalipiro a EMI potengera ndalama zonse zomwe munthu amapeza osati ndalama zomwe amapeza.
Lipirani ngongole
Pali zinthu zingapo zomwe muyenera kuziganizira posankha kuchuluka kwa nthawi yomwe mukufuna kuwonongera ngongole yanu yanyumba. Zingawoneke ngati lingaliro lanu liyenera kuzikidwa pakupeza chiwongola dzanja chochepa kwambiri ndi kulipira pamwezi, koma pali zinthu zina zofunika kuziganizira - monga moyo wanu, ndalama zomwe mumapeza komanso bajeti - zomwe zimakhudza tsogolo lanu lazachuma.
Njira ina yodziwika kubwereketsa nyumba yokhazikika yazaka 30 ndiyongongole yobwereketsa yazaka 15. Obwereketsa omwe ali ndi zaka 15 amalipira ndalama zambiri pamwezi kuposa omwe ali ndi zaka 30. Posinthanitsa, amalandira chiwongola dzanja chochepa, amalipira ngongole yawo yanyumba ndi theka la nthawi, ndipo amatha kusunga madola masauzande ambiri pa moyo wawo wonse wangongole.
Kuphatikiza pa ngongole zanyumba zokhazikika, obwereketsa amathanso kuganizira za ngongole zanyumba zosinthika, zomwe zimatchuka chifukwa cha chiwongola dzanja chawo choyambirira, makamaka ngati sakukonzekera kukhala m'nyumba kwa nthawi yayitali.
Ngakhale kubwereketsa kwazaka 15 kumatha kumveka bwino pamapepala, kusankha pakati pa mawu awiriwa kumadalira momwe mulili. Muyenera kuwunika momwe ndalama zanu zilili komanso kudziwa momwe mungasamalire zolipirira. Tiyeni tiwone ubwino wa mawu onse a ngongole yanyumba.
Ndi zaka zingati zomwe muyenera kulipira ngongole yanyumba?
Pambuyo pokhazikika m'nyumba kapena kupeza kusinthasintha kwachuma pang'ono, eni nyumba ambiri amayamba kudzifunsa kuti, "Kodi ndikufunika kulipira ndalama zowonjezera?" Kupatula apo, kubweza ndalama zowonjezera kumatha kupulumutsa pa chiwongola dzanja ndikufupikitsa kutalika kwa ngongole yanu, ndikukufikitsani pafupi kwambiri ndi kukhala ndi nyumba yanu.
Komabe, ngakhale lingaliro lakulipira ngongole yanu mwachangu ndikukhala m'nyumba mwanu popanda ngongole yanyumba likumveka bwino, pangakhale zifukwa zomwe kubweza ndalama zowonjezera kwa mphunzitsi wamkulu sikungakhale kwanzeru.
"Nthawi zina zimakhala bwino kubweza ngongole zowonjezera, koma osati nthawi zonse," akutero Kristi Sullivan wa Sullivan Financial Planning ku Denver, Colorado. "Mwachitsanzo, kulipira $200 yowonjezera pamwezi panyumba yanu kuti muchepetse kuchoka pa zaka 30 mpaka zaka 25 panyumba yomwe mungaganizire kukhala zaka zina zisanu sikukuthandizani. Mudzasokoneza malipiro owonjezera pamwezi ndipo simudzapeza phindu."
Ngakhale kuti anthu ambiri amavomereza kuti chisangalalo chokhala opanda ngongole chimamasula, chikhoza kutheka m’njira zambiri. Ndiye mumadziwa bwanji ngati ndizomveka kuti muyambe kulipira ndalama zambiri mwezi uliwonse pa ngongole yanu yanyumba? Zimatengera momwe ndalama zanu zilili komanso momwe mumayendetsera ndalama zanu za discretionary.
