Mitundu yabwino kwambiri ya ngongole
Ngati pempho lanu la chiwongola dzanja likanidwa, pali zinthu zingapo zomwe mungachite kuti mukhale ndi mwayi wovomerezedwa nthawi ina. Osafulumira kupita kwa wobwereketsa wina, chifukwa pulogalamu iliyonse imatha kuwonekera pa fayilo yanu yangongole.
Ngongole zilizonse zamasiku olipira zomwe mudakhala nazo m'zaka zisanu ndi chimodzi zapitazi zidzawonekera pa mbiri yanu, ngakhale mutalipira pa nthawi yake. Zitha kukhala zotsutsana ndi inu, popeza obwereketsa angaganize kuti simungathe kulipira ngongole yokhala ndi ngongole.
Obwereketsa sali angwiro. Ambiri aiwo amalowetsa deta yanu yofunsira mu kompyuta, kotero ndizotheka kuti chiwongola dzanjacho sichinaperekedwe chifukwa cha zolakwika mu fayilo yanu yangongole. Wobwereketsa sangathe kukupatsani chifukwa chenicheni chakulepherera kufunsira ngongole, kusiyapo chifukwa chokhudzana ndi fayilo yanu yangongole.
Obwereketsa ali ndi njira zosiyanasiyana zolembera ndipo amaganizira zinthu zingapo poyesa kubwereketsa kwanu. Zitha kutengera zaka, ndalama, ntchito, chiŵerengero cha ngongole ndi mtengo, ndi malo omwe ali ndi katundu.
Momwe mungapezere ngongole yobwereketsa
Kugula nyumba ndi chimodzi mwazinthu zosangalatsa kwambiri zomwe mungachite. Komanso mwina ndi okwera mtengo kwambiri. Pokhapokha ngati muli ndi dziwe lodzaza ndi ndalama, mudzayenera kutenga ngongole kuti mulipire ndalama zogulira nyumba.
Musanalowe m'ndondomeko yofunsira kubwereketsa, ndikwabwino kubwerera m'mbuyo ndikuwunika kaye malipoti anu angongole. Thanzi lanu langongole lidzakhala ndi gawo lalikulu pakukupezani ndalama zabwino pa ngongole yanyumba, kapenanso kuvomerezedwa.
Yambani poyang'ana malipoti anu angongole pa lililonse la mabungwe akuluakulu atatu angongole: Experian, Equifax, ndi TransUnion. Njira yosavuta yochitira izi ndi kupita ku annualcreditreport.com, tsamba lokhalo lololedwa ndi malamulo a federal kupereka malipoti a ngongole aulere kamodzi pachaka.
Kenako, onaninso malipoti anu kuti muwonetsetse kuti palibe zolakwika kapena maakaunti omwe si anu omwe awononga ngongole yanu. Mwachitsanzo, onaninso kulondola kwa zambiri zanu, monga dzina, adilesi, ndi nambala ya Social Security. Onaninso kuti maakaunti angongole ndi ngongole pamalipoti anu zanenedwa bwino, kuphatikiza kusanja ndi udindo. Yang'anani kawiri kuti palibe maakaunti achinsinsi otseguka, omwe angasonyeze zotheka kuba.
Kodi ndingapezeko ngongole?
Kuti mupeze chiwongola dzanja chabwino kwambiri kuchokera kwa wobwereketsa aliyense, muyenera kukhala ndi ngongole yabwino komanso chiwongola dzanja chochepa chandalama (DTI). Obwereketsa amapereka mitengo yabwino kwambiri kwa obwereketsa omwe ali ndi mbiri yolipira ngongole pa nthawi yake ndikuwongolera ngongole zawo.
Chifukwa chake, mufuna kuwonetsetsa kuti chuma chanu chili bwino musanayambe kuyang'ana mitengo yotsika kwambiri yobweza ndalama. Onani kulondola kwa lipoti lanu la ngongole ndikuwerengera DTI yanu. Pitilizani kulipira ngongole zanu zina - ngongole za ophunzira ndi zolipira zama kirediti kadi, mwachitsanzo - munthawi yake.
Kumbukirani kuti kubweza ngongole yocheperako kapena kuchuluka kwa DTI sikungakulepheretseni kubweza ngongole yanyumba. Koma zikutanthauza kuti simungathe kupeza mitengo yabwino kwambiri kuti muwonjezere ndalama zanu.
Popempha ngongole kwa wobwereketsa m'modzi, mungakhale mukusiya masauzande a madola - kapena masauzande ambiri - mukusunga. Mwamwayi, intaneti imapangitsa kuti zikhale zosavuta kupeza makoti kuchokera kwa obwereketsa angapo obweza ndalama.
Mukalandira ma quotes angongole (omwe amadziwika kuti kuyerekezera kwangongole), muyenera kusankha chomwe chikugwirizana ndi zolinga zanu zobweza ndalama. Mutha kuganiza kuti wobwereketsa yemwe ali ndi mtengo wotsika kwambiri ndiye chisankho chodziwikiratu, koma sizili choncho nthawi zonse.
Kupeza ngongole mukamadzilemba ntchito
Konzekerani malonda ang'onoang'ono, pomwe obwereketsa amapereka ngongole za 90% zosakwana tsiku limodzi, koma zoletsedwa ndi zoletsa monga zopereka za makolo, mitengo yokhazikika, kapena kusabwereketsa nyumba zatsopano kapena zomangamanga.
Yang'anani mbiri yanu yangongole - mbiri ya momwe ndalama zanu zimagwirira ntchito komanso kuthekera kwanu kubweza ngongoleyo - ndi mabungwe atatu akuluakulu ofotokoza zangongole musanapemphe kubwereketsa. Lingaliro labwino lingakhale kukonza mavuto aliwonse asanaphe mwayi wanu wopeza chiwongola dzanja choyenera kuchokera kwa wobwereketsa kapena kubwereketsa ngongole.
Zomwe mungachite kuti muwongolere ngongole zanu ndi monga, ngati simunatero, kulembetsa kuti mudzavote, kuwonetsetsa kuti dzina lanu ndi adilesi yanu zili zolondola ndi onse omwe amapereka ngongole, komanso kulipira ngongole zapakhomo monga zofunikira pa nthawi yake .
Mukafunsira ngongole yanyumba, obwereketsa adzafuna kuyang'ana ndalama zomwe mumapeza ndi ndalama zomwe mumawononga kuti muwonetsetse kuti mungakwanitse kubweza ngongoleyo momasuka, choncho yesetsani kuti ndalama zanu zikhale zotsika kwambiri poyerekeza ndi ndalama zomwe mumapeza; Osachepera miyezi isanafike kubwereketsa kubwereketsa, siyani kuwononga ndalama pa chilichonse chomwe chilibe chofunikira.
