Chotsani dzina kubwereketsa popanda kubwezanso ndalama
Justin Pritchard, CFP, ndi mlangizi wolipira komanso katswiri wazachuma. Zimakhudza mabanki, ngongole, ndalama, ngongole zanyumba ndi zina zambiri za The Balance. Ali ndi MBA yochokera ku yunivesite ya Colorado ndipo wakhala akugwira ntchito ku mabungwe a ngongole ndi makampani akuluakulu azachuma, komanso kulemba zandalama zaumwini kwa zaka zoposa makumi awiri.
Thomas J. Brock ndi CFA ndi CPA ndi zaka zoposa 20 zinachitikira m'madera osiyanasiyana kuphatikizapo ndalama, kasamalidwe inshuwalansi mbiri, zachuma ndi akawunti, munthu ndalama malangizo ndi ndondomeko zachuma, ndi zipangizo chitukuko.
Pogula nyumba, kukhala ndi bwenzi kapena munthu wina kubweza ngongoleyo ndikufunsira limodzi kubwereketsa kumapangitsa kuti zikhale zosavuta kuvomerezedwa. Koma zinthu zimasintha: Ngati inu kapena mnzanuyo musintha malingaliro anu, muyenera kusamuka kukagwira ntchito, kapena mukufunika kuchoka pangongole pazifukwa zina, pali njira zochotsera dzina kubwereketsa.
Njirayi ikhoza kuchitika, koma sizikhala zophweka. Zimenezi n’zoona kwa munthu amene anasaina ngongoleyo monga wobwereketsa woyamba, komanso amene amasaina nawo amene anakuthandizani kuti muvomerezedwe; Ndipo mpaka dzinalo lichotsedwe ndi kubweza ngongole papepala (kapena kulipidwa mokwanira), onse omwe adasaina ngongoleyo amakhalabe ndi udindo wolipira, ndipo ngongoleyo ingachepetse mwayi wanu wopeza ngongole zina.
Chotsani Joint Mortgage Name Ireland
Malipiro a ngongole ali ndi zigawo ziwiri: chachikulu ndi chiwongola dzanja. Mkuluyo akutanthauza kuchuluka kwa ngongoleyo. Chiwongola dzanja ndi ndalama zowonjezera (zowerengedwa ngati peresenti ya wamkulu) zomwe obwereketsa amakulipirani mwayi wobwereka ndalama zomwe mutha kubweza pakapita nthawi. Pa nthawi yobwereketsa, mumalipira pang'onopang'ono pamwezi potengera ndondomeko ya chiwongoladzanja yokhazikitsidwa ndi wobwereketsa wanu.
Sizinthu zonse zanyumba zomwe zimakhala zofanana. Ena ali ndi malangizo okhwima kuposa ena. Obwereketsa ena angafunike kubweza 20%, pomwe ena amafunikira 3% ya mtengo wogulira nyumbayo. Kuti muyenerere kulandira ngongole zamitundu ina, mumafunika ngongole yabwino. Ena amayang'ana kwa obwereka omwe alibe ngongole.
Boma la US si wobwereketsa, koma limatsimikizira mitundu ina ya ngongole zomwe zimakwaniritsa zofunikira kuti munthu alandire ndalama, malire a ngongole, ndi madera. Pansipa pali chidule cha mitundu yosiyanasiyana ya ngongole zanyumba.
Ngongole wamba ndi ngongole yomwe siyimathandizidwa ndi boma la federal. Obwereketsa omwe ali ndi ngongole yabwino, ntchito yokhazikika komanso mbiri yomwe amapeza, komanso kutha kubweza ndalama zokwana 3% nthawi zambiri amakhala oyenera kubwereketsa wamba mothandizidwa ndi a Fannie Mae kapena Freddie Mac, makampani awiri omwe amathandizidwa ndi boma omwe amagula ndikugulitsa ngongole zanyumba wamba. ku United States.
Kodi chikalata chosiyiratu chimandichotsa panyumba yanyumba?
Ngakhale mbali zambiri za ndondomeko yobwereketsa nyumba ndizofanana kwa obwereketsa, pali zosiyana zomwe zingakhudze ndalama zomwe mumalipira komanso ntchito zomwe mumalandira zomwe ndi zofunika kuziganizira mukagula.
Pali makampani ambiri omwe angakuthandizeni kupeza ngongole yanyumba. Mutha kusankha nthambi yakubanki yakumalo komwe muli ndi akaunti yosungira, wobwereketsa pa intaneti, kapena wobwereketsa nyumba yemwe amagwira ntchito ndi obwereketsa ambiri.
Obwereketsa omwe amavomereza kufunsira kwanu ndikuwongolera njira yobwereketsa kuti mutseke ndi omwe adayambitsa ngongole. Ngongoleyo ikatsekedwa, ngongoleyo imatha kugulitsidwa ndi woyambitsa ngongoleyo kukampani ina, yomwe ingatenge ndalamazo kwa inu.
Mutha kulembetsa nokha kapena pa intaneti ku banki ndipo wobwereketsa adzapatsidwa kwa inu. Mungakonde kuchita izi ngati muli ndi maakaunti kubanki ndipo mukufuna thandizo laumwini kuchokera kubanki yamderalo kapena nthambi yakumalo abungwe lalikulu.
Pali mabungwe opitilira 5.100 omwe ali ndi inshuwaransi ku United States, kuyambira obwereketsa ang'onoang'ono kupita kumayiko ambiri. Monga mabanki, ali ndi zopereka zosiyanasiyana zachuma - kuphatikizapo macheke ndi akaunti zosungira - ndipo oposa theka la ngongole zomwe amapereka ndi ngongole zanyumba.
Chikalata chachitsanzo chochotsa dzina la ngongole yanyumba
Ngati mukuganiza za eni nyumba ndikudabwa momwe mungayambire, mwafika pamalo oyenera. Pano tikambirana zofunikira zonse za ngongole zanyumba, kuphatikizapo mitundu ya ngongole, zolemba zanyumba, njira yogulira nyumba, ndi zina zambiri.
Pali zochitika zina zomwe zimakhala zomveka kukhala ndi ngongole panyumba panu ngakhale mutakhala ndi ndalama zolipirira. Mwachitsanzo, katundu nthawi zina amabwerekedwa kuti amasule ndalama zamabizinesi ena.
Ngongole zanyumba ndi ngongole "zotetezedwa". Ndi ngongole yotetezedwa, wobwereka amalonjeza chikole kwa wobwereketsa ngati atalephera kulipira. Pankhani ya ngongole, chitsimikizo ndi nyumba. Ngati mukulephera kubweza ngongole yanu, wobwereketsayo atha kutenga nyumba yanu, mwanjira yomwe imadziwika kuti kutseka.
Mukalandira ngongole, wobwereketsa wanu amakupatsani ndalama zina zogulira nyumbayo. Mukuvomera kubweza ngongoleyo - ndi chiwongola dzanja - pazaka zingapo. Ufulu wa wobwereketsa panyumba umapitilirabe mpaka ngongoleyo italipidwa mokwanira. Ngongole zobwezeredwa mokwanira zimakhala ndi nthawi yolipira, chifukwa chake ngongoleyo imalipira kumapeto kwa nthawi yake.
