Tanthauzo la ngongole yanyumba
Loan-to-value (LTV) ndikuwunika kuopsa kwa ngongole yomwe mabungwe azachuma ndi obwereketsa ena amawona asanavomereze kubwereketsa. Kuwona kwa ngongole yokhala ndi chiwongolero chokwera kwambiri cha ngongole kumatengedwa ngati ngongole zowopsa. Choncho, ngati ngongole yobwereketsa ikuvomerezedwa, ngongoleyo imakhala ndi chiwongoladzanja chachikulu.
Kuonjezera apo, ngongole yokhala ndi chiŵerengero chapamwamba cha LTV ingafunike wobwereka kuti agule inshuwalansi ya ngongole kuti athetse chiwopsezo kwa wobwereketsa. Inshuwaransi yamtunduwu imatchedwa inshuwaransi yaumwini (PMI).
Chiŵerengero cha LTV chimawerengedwa pogawa ndalama zomwe zabwerekedwa ndi mtengo wamtengo wapatali wa katundu, zomwe zimawonetsedwa ngati peresenti. Mwachitsanzo, ngati mutagula nyumba yomwe ili ndi ndalama zokwana madola 100.000 chifukwa cha mtengo wake, ndipo mutapereka ndalama zokwana madola 10.000, mudzabwereka $90.000. Zotsatira zake ndi chiŵerengero cha LTV cha 90% (ie 90.000/100.000).
Kuzindikira chiŵerengero cha LTV ndichinthu chofunikira kwambiri pakulemba ngongole yanyumba. Itha kugwiritsidwa ntchito pogula nyumba, kubwezanso ngongole yanyumba mungongole yatsopano, kapena kubwereketsa ngongole motsutsana ndi equity pagawo.
Mtengo wogulitsa nyumba
Nkhaniyi ikufunika mawu owonjezera kuti atsimikizire. Chonde thandizani kukonza nkhaniyi powonjezera mawu ochokera kodalirika. Zinthu zopanda gwero zitha kutsutsidwa ndikuchotsedwa. Pezani Kochokera: "Ngongole Yanyumba" - Nkhani - Manyuzipepala - Mabuku - Maphunziro - JSTOR (Epulo 2020) (Dziwani momwe mungachotsere komanso nthawi yochotsa izi mu template)
Obwereketsa nyumba akhoza kukhala anthu omwe akubwereketsa nyumba zawo kapena atha kukhala makampani omwe akubwereketsa katundu wamalonda (mwachitsanzo, malo awo abizinesi, nyumba zobwereketsa kwa obwereketsa, kapena mbiri yandalama). Wobwereketsa nthawi zambiri amakhala bungwe lazachuma, monga banki, bungwe la ngongole kapena kampani yobwereketsa nyumba, kutengera dziko lomwe likufunsidwa, ndipo mapangano a ngongole amatha kupangidwa mwachindunji kapena mwanjira ina kudzera mwa oyimira pakati. Makhalidwe a ngongole zanyumba, monga kuchuluka kwa ngongole, kukhwima kwa ngongole, chiwongoladzanja, njira yobwezera ngongole ndi zina, zimatha kusiyana kwambiri. Ufulu wa wobwereketsa pa katundu wotetezedwa umakhala patsogolo kuposa obwereketsa ena a wobwereketsa, kutanthauza kuti ngati wobwereketsa wasowa ndalama kapena walephera, obwereketsa ena adzalandira kubweza ngongole zomwe ali nazo pogulitsa katunduyo. amalipidwa zonse poyamba.
Mortgage Value Calculator
Kuwunika kwa ngongole ndi mtundu wina wa kuwunika komwe kumachitika ndi wobwereketsa kuti atsimikizire mtengo wa malowo. Amagwiritsidwanso ntchito kuti aone ngati malowo adzakhala chikole chokwanira pa ngongole yomwe mwapempha. Wobwereketsa nthawi zambiri amakonza zowerengera zanyumba.
Kuwonjezera pa kutsimikizira mtengo wa katundu ndi chikole chokwanira cha ngongole, kuwerengera ngongole kumathandizanso wobwereketsa kuwerengera chiŵerengero cha ngongole ndi mtengo (LTV). Izi ndi ndalama zomwe mukufuna kubwereka mogwirizana ndi mtengo wa nyumbayo. Chiwongoladzanja cha ngongole ndi mtengo chimatsimikizira chiwongoladzanja cha chiwongoladzanja chomwe mukuyenerera.
Kuwerengera kwanyumba zogulira nyumba zogulira nyumba kumaphatikizanso "mtengo wobwereketsa" woyerekezedwa kapena womwe ungakhalepo, kutengera lendi yomwe imapezeka m'derali. Izi zimathandiza wobwereketsa kuwerengera kuchuluka kwa ngongole, kapena chiŵerengero cha LTV, pa ngongole yanyumba.
Nthawi zina, wobwereketsa atha kupempha chitsimikiziro cha kuwonongeka kwa zinthu (SDW) ngati malowo ali osakwana zaka 10, kapena akonzedwanso kwambiri kapena kusinthidwa. SDW imaperekedwa ndi wopanga mapulogalamu kapena yogulidwa ndi mwini wake woyamba. Amapangidwa kuti azilipira mtengo wokonzanso kapena kukonza zinthu zomwe zimachitika chifukwa cha zolakwika zanyumba zatsopano.
calculator ya ngongole
Loan-to-value (LTV) ndikuwunika kuopsa kwa ngongole komwe mabungwe azachuma ndi obwereketsa ena amawona asanavomereze kubwereketsa. Kuwona kwa ngongole yokhala ndi chiwongolero chokwera kwambiri cha ngongole kumatengedwa ngati ngongole zowopsa. Choncho, ngati ngongole yobwereketsa ikuvomerezedwa, ngongoleyo imakhala ndi chiwongoladzanja chachikulu.
Kuonjezera apo, ngongole yokhala ndi chiŵerengero chapamwamba cha LTV ingafunike wobwereka kuti agule inshuwalansi ya ngongole kuti athetse chiwopsezo kwa wobwereketsa. Inshuwaransi yamtunduwu imatchedwa inshuwaransi yaumwini (PMI).
Chiŵerengero cha LTV chimawerengedwa pogawa ndalama zomwe zabwerekedwa ndi mtengo wamtengo wapatali wa katundu, zomwe zimawonetsedwa ngati peresenti. Mwachitsanzo, ngati mutagula nyumba yomwe ili ndi ndalama zokwana madola 100.000 chifukwa cha mtengo wake, ndipo mutapereka ndalama zokwana madola 10.000, mudzabwereka $90.000. Zotsatira zake ndi chiŵerengero cha LTV cha 90% (ie 90.000/100.000).
Kuzindikira chiŵerengero cha LTV ndichinthu chofunikira kwambiri pakulemba ngongole yanyumba. Itha kugwiritsidwa ntchito pogula nyumba, kubwezanso ngongole yanyumba mungongole yatsopano, kapena kubwereketsa ngongole motsutsana ndi equity pagawo.
