Kodi ndingasonyeze bwanji kuti ndalipira ngongole yanga yanyumba?
Ambiri aife timatenga ngongole tikagula nyumba ndikudzipereka kulipira mpaka zaka 30. Koma kuyerekezera kwa boma kukuwonetsa kuti anthu aku America amasuntha pafupifupi nthawi 11,7 m'miyoyo yawo, motero anthu ambiri amayamba kulipira ngongole zanyumba zopitilira kamodzi.
Poganizira izi, kungakhale kwanzeru kuyang'ana njira zolipira ngongole yanu yobwereketsa msanga, mwina kuti mutha kupanga ndalama mwachangu kapena kusunga ndalama pachiwongola dzanja. M'kupita kwa nthawi, cholinga chiyenera kukhala kukhala ndi nyumba yanu. Kupatula apo, ndizosavuta kupuma pantchito kapena kuchepetsa nthawi yogwira ntchito pambuyo pake ngati mutha kuchita popanda kubweza ngongole pamwezi.
Chifukwa chake ngati mukuganiza momwe mungachepetsere ngongole zanyumba kapena kulipira nyumba yanu mwachangu, nazi njira zingapo zoyeserera zomwe zingathandize. Ingokumbukirani kuti njira yoyenera kwa inu imadalira kuchuluka kwa ndalama "zowonjezera" zomwe muli nazo, komanso kuchuluka kwa zomwe mukufunikira kuti mutulutse ngongole.
Tangoganizani kuti mwagula $360.000 ndi $60.000 pansi ndipo chiwongola dzanja pa ngongole yanu ya zaka 30 ndi 3%. Kuyang'ana mwachangu chowerengera chobwereketsa kukuwonetsa kuti chiwongola dzanja chachikulu pa ngongole yanu zimafika $1.264,81 pamwezi.
Zimatenga nthawi yayitali bwanji kuti mupeze mutu wa nyumbayo mutalipira ngongole
Ngati mungathe kulipira ngongole yanu pasanapite nthawi, mudzasunga ndalama pa chiwongoladzanja pa ngongole yanu. M'malo mwake, kuchotsa ngongole yanu yanyumba chaka chimodzi kapena ziwiri koyambirira kungakupulumutseni mazana kapena masauzande a madola. Koma ngati mukuganiza zotengera njira imeneyi, muyenera kuganizira ngati pali chilango cholipiriratu, pakati pa zinthu zina zomwe zingachitike. Nazi zolakwika zisanu zomwe muyenera kupewa mukalipira ngongole yanu msanga. Mlangizi wazachuma angakuthandizeni kudziwa zomwe mukufuna kubwereketsa komanso zolinga zanu.
Eni nyumba ambiri angakonde kukhala ndi nyumba zawo komanso kuti asade nkhawa ndi malipiro a mwezi uliwonse. Chifukwa chake kwa anthu ena kungakhale koyenera kufufuza lingaliro lakulipira ngongole yanu yobwereketsa msanga. Izi zikuthandizani kuti muchepetse chiwongola dzanja chomwe mudzalipire panthawi yobwereketsa, komanso kukupatsani mwayi wokhala mwini nyumbayo posachedwa kuposa momwe mumayembekezera.
Pali njira zingapo zolipiriratu. Njira yosavuta ndiyo kungopanga ndalama zowonjezera kunja kwa zomwe mumalipira pamwezi. Malingana ngati njira iyi sikukuwonjezerani ndalama zowonjezera kuchokera kwa wobwereketsa wanu, mutha kutumiza macheke 13 chaka chilichonse m'malo mwa 12 (kapena zofanana ndi izi pa intaneti). Mukhozanso kuwonjezera malipiro anu pamwezi. Ngati mumalipira zambiri mwezi uliwonse, mudzalipira ngongole yonse kale kuposa momwe mumayembekezera.
Kodi mumalipira chiyani mukalipira ngongole yanyumba?
Ganizirani za ngongole yabwino motere: Kulipira kulikonse kumene mumapanga kumawonjezera umwini wanu wa katunduyo, pamenepa nyumba yanu, zochulukirapo. Koma ngongole zoipa, monga malipiro a kirediti kadi? Ngongole imeneyo ndi ya zinthu zomwe mudalipira kale ndipo mwina mukuzigwiritsa ntchito. Simudzakhalanso "eni" jeans, mwachitsanzo.
Palinso kusiyana kwina kwakukulu pakati pa kugula nyumba ndi kugula katundu ndi mautumiki ambiri. Nthawi zambiri, anthu amatha kulipira ndalama pazinthu monga zovala kapena zamagetsi. “Anthu ambiri sakanatha kugula nyumba ndi ndalama,” akutero Poorman. Izi zimapangitsa kuti ngongole ikhale yofunikira kugula nyumba.
Mukumanga ndalama zopuma pantchito. Pokhala ndi chiwongola dzanja chochepa kwambiri, "ngati mutaika ndalama zomwe mukadagwiritsa ntchito kubweza ngongole ku akaunti yopuma pantchito, kubweza kwa nthawi yayitali kumatha kupitilira ndalama zomwe mwasunga pakubweza ngongole," akutero Poorman.
Langizo: Ngati muli ndi mwayi wokhoza kubweza ngongole yanu mwachangu ndipo lingalirolo likugwirizana ndi ndalama zanu, lingalirani zosamukira ku ndondomeko yolipira kawiri pamlungu, kusonkhanitsa ndalama zonse zomwe mumalipira, kapena kupanga malipiro owonjezera pachaka.
Kodi chimachitika ndi chiyani mukalipira ngongole yanu?
Ngongole yanyumba ndi ngongole yanthawi yayitali yopangidwira kukuthandizani kugula nyumba. Kuphatikiza pa kubweza likulu, muyeneranso kulipira chiwongola dzanja kwa wobwereketsa. Nyumba ndi malo ozungulira ndi chikole. Koma ngati mukufuna kukhala ndi nyumba, muyenera kudziwa zambiri kuposa izi. Lingaliro ili limagwiranso ntchito ku bizinesi, makamaka pankhani ya ndalama zokhazikika komanso zotsekera.
Pafupifupi aliyense amene amagula nyumba amakhala ndi ngongole yanyumba. Mitengo yobwereketsa nyumba imatchulidwa kawirikawiri m'nkhani zamadzulo, ndipo malingaliro okhudza momwe angayendetsere kayendetsedwe kake kakhala gawo la chikhalidwe chazachuma.
Ngongole yamakono idawonekera mu 1934, pomwe boma - kuthandiza dzikolo kudzera mu Kukhumudwa Kwakukulu - lidapanga pulogalamu yanyumba yomwe idachepetsa kubweza komwe kumafunikira panyumba powonjezera ndalama zomwe eni nyumba angabwereke. Izi zisanachitike, kubweza 50% kunkafunika.
Mu 2022, kubweza 20% kumakhala kofunikira, makamaka popeza ngati malipirowo ndi ochepera 20%, muyenera kutenga inshuwaransi yanyumba yachinsinsi (PMI), yomwe imapangitsa kuti malipiro anu amwezi uliwonse akhale apamwamba. Komabe, zomwe zili zofunika sizipezeka kwenikweni. Pali mapulogalamu obwereketsa nyumba omwe amalola kubweza pang'ono, koma ngati mutha kupeza 20%, muyenera.
