Mungapeze kuti ngongole?
Ndife ntchito yofananira yodziyimira payokha, yothandizidwa ndi zotsatsa. Cholinga chathu ndi kukuthandizani kuti mupange zisankho zanzeru zachuma popereka zida zolumikizirana ndi ndalama zowerengera ndalama, kusindikiza zolemba zoyambirira ndi zomwe mukufuna, ndikukulolani kuti mufufuze ndikuyerekeza zambiri kwaulere, kuti mutha kupanga zosankha zachuma molimba mtima.
Zopereka zomwe zikuwonekera patsambali ndi zochokera kumakampani omwe amatilipira. Kulipiridwaku kungakhudze momwe zinthu zimawonekera patsamba lino, kuphatikiza, mwachitsanzo, momwe zingawonekere m'magulu amndandanda. Koma kubweza kumeneku sikukhudza zambiri zomwe timafalitsa, kapena ndemanga zomwe mumawona patsamba lino. Sitikuphatikiza dziko lonse lamakampani kapena zopereka zandalama zomwe zingapezeke kwa inu.
Ndife odziyimira pawokha, ntchito zofananira zothandizidwa ndi zotsatsa. Cholinga chathu ndi kukuthandizani kuti mupange zisankho zanzeru zachuma popereka zida zolumikizirana ndi zowerengera zachuma, kusindikiza zomwe zili zoyambira komanso zolinga, ndikukulolani kuchita kafukufuku ndikuyerekeza zambiri kwaulere, kuti mutha kupanga zosankha zachuma molimba mtima.
Gulani nyumba popanda ngongole
Simungasankhe kugula nyumba ndi ndalama kapena kubwereketsa ngongole? Chitetezo ndi chimodzi mwazinthu zabwino zogulira nyumba ndi ndalama. Mukudziwa kuti malowo ndi anu 100% ndipo simumalemedwa ndi ngongole zanyumba pamwezi. Koma pankhani ya malo obwereketsa, zinthu zofunika kwambiri zomwe mumayika patsogolo zitha kukhala zosiyana pang'ono, ndipo kugula nyumba ndi ndalama si njira yabwino kwambiri yopezera phindu lalikulu pazachuma chanu.
Mosasamala kanthu kuti muli ndi katundu kapena mumalipira ndalama ndikubweza ngongole kubanki, kukula kwakukulu ndi kwanu (kuchotsa msonkho uliwonse wopeza ndalama). Choncho ngati muli ndi ngongole, mumapindula ndi kukula kwa ndalama za banki ndi zanu. Izi zikutanthauza kuti mutha kupanga phindu lalikulu pogawa ndalama zanu pakati pa katundu wambiri, m'malo moyika zonse m'modzi.
Ngakhale mukuganiza kuti mukusunga ndalama zambiri ndikuwonjezera phindu lanu la lendi pamwezi posalipira ngongole yanyumba, ngati muli ndi katundu wambiri, mwachiwonekere mudzalandira lendi yambiri.
Σχόλια
Mutha kukhala ndi ngongole yamtundu wina, kaya ndi ngongole za ophunzira, ngongole za kirediti kadi, kapena zina. Komabe, ngati mukukonzekera kukhala opanda ngongole, ingakhale nthawi yoganizira zogulitsa nyumba.
Ngongole yanu ya ngongole imakhala ndi gawo lofunikira pakutha kwanu kupeza ngongole yanyumba. Nthawi zambiri zimakhala zotsika mukayamba ntchito yanu kapena mukangomaliza maphunziro anu ku yunivesite. Mukamalipira ngongole zanu ndikudziwonetsa kuti ndinu wobwereka wodalirika pakapita nthawi, ngongole yanu imakwera. Ndinu oyenerera kubweza ngongole zambiri zokhala ndi ngongole zosachepera 620.
Mosiyana ndi zomwe anthu ambiri amakhulupirira, simufunika kubweza 20% kuti mugule nyumba. Tsopano ndizotheka kugula nyumba ndi ndalama zochepera 3% pangongole wamba kapena kubweza 3,5% pangongole ya Federal Housing Administration (FHA). Mutha kukhala woyenera kulandira ngongole ya Veterans Affairs (VA) kapena US department of Agriculture (USDA) osalipira.
Nthawi zambiri, mudzapeza kuti mumapindula mukabweretsa malipiro okulirapo pa tebulo lotseka. Kulipira 20% kumakupatsani mwayi wopewa kulipira inshuwaransi yanyumba (PMI). PMI imateteza wobwereketsa wanu ngati mukulephera kubwereketsa. Obwereketsa ambiri amafuna kuti mulipire PMI ngati simukuyika 20% pa ngongole yanu. Mutha kusunga madola masauzande ambiri pamitengo ya inshuwaransi pakapita nthawi ndikulipira kolimba. Itha kukhala nthawi yoti muyikemo ndalama zolipirira ngati mwasunga ndalama.
Ndi chiyani chomwe chingakhale cholakwika pogula nyumba ndi ndalama m'malo mwa ngongole yanyumba?
Kukhala okonzeka kulipira ndalama kungakupatseni mwayi wokhala ndi ogulitsa omwe ali ndi chidwi chofuna kutseka malondawo, koma kungakuthandizeninso ndi ogulitsa m'misika yogulitsa nyumba komwe kusungirako kumakhala kolimba komanso otsatsa akhoza kupikisana nawo.
Chinthu choyamba chogula nyumba ndi ndalama, ndithudi, ndikuchipeza. Pokhapokha ngati muli ndi ndalama zambiri kubanki, mungafunike kuchotsa ndalama zina ndikusamutsa ndalamazo ku akaunti yanu yakubanki. Kumbukirani kuti kugulitsa zitetezo zomwe mudapangapo phindu kungakupangitseni kulipira msonkho wopeza ndalama.
1. Ndinu wogula wokongola kwambiri. Wogulitsa amene akudziwa kuti simukukonzekera kubwereka ngongole angakutengereni mozama. Njira yobwereketsa ngongole imatha kukhala nthawi yambiri, ndipo nthawi zonse pamakhala mwayi woti wopemphayo akanidwe, mgwirizanowo utha, ndipo wogulitsa amayenera kuyambiranso, akutero Mari Adam, wokonza zandalama wovomerezeka ku Boca Raton, Florida.
2. Mutha kupeza malonda abwinoko. Monga momwe ndalama zimakupangirani kukhala wogula wokongola kwambiri, zimakuyikaninso pamalo abwino okambirana. Ngakhale ogulitsa omwe sanamvepo mawu akuti "nthawi yamtengo wapatali ya ndalama" adzamvetsetsa mwachidwi kuti akalandira ndalama zawo mwachangu, atha kuziyika kapena kuziyika kuzinthu zina.
