Remortgage yogulira renti
Kupeza wamkulu wa ngongole yanu ndikosavuta. Ndi kukonzanso kosavuta kwa ngongole, mutha kukhala pafupi ndi kugula nyumba yachiwiri. Kugwiritsa ntchito ndalama zogulira nyumba kugula nyumba kumagwiranso ntchito mofananamo. Ndalama zomwe zili m'nyumba mwanu kapena malo osungiramo ndalama zingagwiritsidwe ntchito ngati gawo lachiwiri, pamene katundu wanu wamakono amakhala chikole cha ngongole yatsopano. Kugwiritsa ntchito equity kumakupatsani mwayi wogula malo achiwiri popanda kusungitsa ndalama.
Pamene mtengo wa nyumba yanu ukuwonjezeka, ndalamazo zimateronso. Mtengo wa nyumbayo ukhoza kuwonjezeka chifukwa cha kukula kwakukulu kapena kulipira ngongole zanyumba. Mukhozanso kuonjezera mtengo wa nyumba yanu pokonzanso (ngakhale mudzafunika kuwerengera mtengo wa zipangizo ndi ntchito kuti muchite zimenezo).
Mumangopereka chiwongola dzanja pazomwe mumawononga. Mungathe kupempha kumasulidwa kwakukulu, koma ngati simunakonzekere kugwiritsa ntchito ndalamazo pakalipano, onetsetsani kuti muli ndi akaunti yochotseratu kuti musapereke chiwongoladzanja pakuwonjezeka kwa ngongole mpaka mutagwiritsa ntchito ndalamazo.
Mukatenga ndalama zambiri, mudzalipira chiwongola dzanja chonse. Ndi mzere wangongole, mumangopereka chiwongola dzanja pa ndalama zomwe zagwiritsidwa ntchito, koma mutha kukopeka kuti mupeze ndalama izi pazinthu zapamwamba zosafunikira.
Kodi ndingabwereke ngongole kunyumba yanga kuti ndigule malo ena?
Nthawi zambiri, chiwongola dzanja pamitengo yogulitsa ndi 0,5% mpaka 0,75% kuposa mitengo yamsika. Pankhani ya nyumba yachiŵiri kapena nyumba yatchuthi, izo zimangokwera pang’ono kuposa chiwongoladzanja chimene chingagwire ntchito ku nyumba yaikulu.
Zachidziwikire, mitengo yanyumba yanyumba zogulitsira ndi nyumba zachiwiri zikupitilizabe kudalira zinthu zomwezo monga mitengo yanyumba yoyambira. Zanu zimasiyana kutengera msika, ndalama zomwe mumapeza, ngongole zanu, komwe muli, ndi zina.
Obwereketsa amayembekezera kuti nyumba yatchuthi kapena nyumba yachiwiri idzagwiritsidwa ntchito ndi inu, banja lanu, ndi anzanu kwa gawo limodzi la chaka. Komabe, nthawi zambiri mumaloledwa kupeza ndalama zobwereketsa kuchokera panyumba pomwe simukugwiritsa ntchito. Malangizo a ndalama zobwereka amasiyana malinga ndi wobwereketsa.
Kugula nyumba yachiwiri kapena nyumba yatchuthi kumafuna chiwongola dzanja chambiri, nthawi zambiri pa 640 kapena kupitilira apo. Obwereketsa adzakhalanso akuyang'ana ngongole zochepa komanso zotsika mtengo, kutanthauza kuti ngongole yocheperako ndi yocheperako. Zosungirako zabwino (ndalama zowonjezera pambuyo potseka) zimathandizanso kwambiri.
Mitengo yobwereketsa nyumba ndi yokwera kwambiri pazachuma. Kawirikawiri chiwongoladzanja chidzakhala 0,5% mpaka 0,75% pamwamba pa malo ogulitsa ndalama kuposa momwe zikanakhalira mutagula nyumba yomweyi monga nyumba yanu yoyamba.
Gulani malo achiwiri kuti mukhalemo
Pali zifukwa zambiri zomwe mungafunikire kupeza ndalama zambiri. Mwina mukuganiza zobwerera kusukulu, kapena muyenera kuphatikiza masikelo apamwamba a kirediti kadi. Kapena mukufuna kukonza nyumba?
Ngakhale Rocket Mortgage® siyambitsa ngongole zanyumba zachiwiri, tikufotokozerani zomwe muyenera kudziwa zokhudza ngongole zanyumba zachiwiri ndi momwe zimagwirira ntchito. Tikuthandizaninso m'njira zina zopezera ndalama, monga ngongole yaumwini kapena kubweza ndalama, zomwe zingakhale zabwinoko kwa inu.
Mwa kuyankhula kwina, wobwereketsa wanu ali ndi ufulu wolamulira nyumba yanu ngati simukulipira ngongole. Pamene ngongole yachiwiri yabwereketsa, chikole chimakhazikitsidwa pa mbali ya nyumba yomwe yalipidwa.
Mosiyana ndi mitundu ina yangongole, monga ngongole zagalimoto kapena za ophunzira, mutha kugwiritsa ntchito ndalama zomwe mwabwereketsanso pafupifupi chilichonse. Ngongole zachiwiri zimaperekanso chiwongola dzanja chochepa kwambiri kuposa makhadi a ngongole. Kusiyanaku kumawapangitsa kukhala njira yabwino yolipira ngongole ya kirediti kadi.
Chowerengera chanyumba chogulira nyumba yachiwiri
Ndife ntchito yofananira yodziyimira payokha, yothandizidwa 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.
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.
