Kodi chiwongola dzanja chanyumba ndi zingati?

70s chiwongola dzanja

Avereji yamitengo yanyumba idakwera dzulo. Ndipo sanasamuke mkati mwa sabata; iwo anangopita mmwamba. Inde, mitu yonse yokhudza misika yakugwa ndi tsoka lomwe likubwera silinakhudze anyamatawa m'masiku asanu ndi awiri apitawa.

Dzulo, misika yamsika idayamba kukwera. Kenako, pa nthawi ya chakudya chamasana, anakomoka. Potsirizira pake, chamadzulo, iwo anayambanso kukwera. Pakakhala kusakhazikika kochuluka mu tsiku limodzi, kulosera za msika kwa sabata ndi misala. Chifukwa chake ndinena zoona ndikuvomereza kuti sindikudziwa komwe mitengo yanyumba ikhala m'masiku asanu ndi awiri.

Osatsekeredwa pa tsiku lomwe mitengo yanyumba ikuwoneka ikutsika. Malingaliro anga (m'munsimu) adapangidwa kuti apereke malingaliro anthawi yayitali pamayendedwe onse a anyamatawo. Chifukwa chake, sasintha tsiku ndi tsiku kuwonetsa malingaliro osakhalitsa m'misika yosasinthika.

Popeza misika ndi yosatsimikizika, ndi inu nokha amene mungasankhe nthawi yotseka chiwongola dzanja chanu. Sindiyenera kudabwa konse ngati asunthira pamwamba kapena kutsika sabata yamawa. Choncho, ine sindingathe kukutsogolerani.

Ngongole yanyumba

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.

Atolankhani athu obwereketsa nyumba ndi okonza amayang'ana kwambiri zomwe ogula amasamala nazo kwambiri - chiwongola dzanja chaposachedwa, obwereketsa abwino kwambiri, kuyang'ana njira yogulira nyumba, kubweza ngongole yanu ndi zina zambiri - kuti mutha kukhala otsimikiza popanga zisankho monga wogula komanso mwini nyumba.

calculator ya ngongole

Akatswiri athu akhala akukuthandizani kuti muzitha kudziwa bwino ndalama zanu kwazaka zopitilira makumi anayi. Timayesetsa nthawi zonse kupatsa makasitomala upangiri waukadaulo ndi zida zofunika kuti zinthu ziyende bwino pazachuma.

Otsatsa athu samatilipira chifukwa cha ndemanga kapena malingaliro abwino. Tsamba lathu lili ndi mindandanda yaulere komanso zambiri zamagwiritsidwe osiyanasiyana azachuma, kuyambira kubwereketsa nyumba kupita kubanki kupita ku inshuwaransi, koma sitiphatikiza chilichonse pamsika. Komanso, pamene tikuyesetsa kuti mindandanda yathu ikhale yaposachedwa momwe tingathere, chonde funsani mavenda pawokha kuti mudziwe zambiri.

Ngati mukuyang'ana ngongole yoposa $548.250, obwereketsa m'malo ena atha kukupatsani mawu osiyana ndi omwe alembedwa patebulo pamwambapa. Muyenera kutsimikizira zomwe zachitika ndi wobwereketsa pazambiri zomwe mwapempha.

Misonkho ndi inshuwaransi zomwe zachotsedwa pa ngongole: Makhalidwe a ngongole (zitsanzo za APR ndi malipiro) omwe ali pamwambawa samaphatikizapo kuchuluka kwa misonkho kapena malipiro a inshuwalansi. Ndalama zomwe mumalipira pamwezi zidzakwera ngati misonkho ndi ndalama za inshuwaransi zikuphatikizidwa.

Zaka 30 zokhazikika zamtengo wobwereketsa freddie mac

Posankha ngongole yobwereketsa, musamangoyang'ana magawo a mwezi uliwonse. Ndikofunikira kumvetsetsa kuchuluka kwa chiwongola dzanja chanu chikuwonongerani, nthawi yomwe angakwere, komanso zomwe malipiro anu adzakhale pambuyo pake.

Nthawi imeneyi ikatha, ipita ku standard variable rate (SVR), pokhapokha itabweza ngongole. Mtengo wosinthika ukhoza kukhala wokwera kwambiri kuposa wokhazikika, womwe ukhoza kuwonjezera zambiri pamagawo anu amwezi.

Ngongole zambiri tsopano ndi "zonyamula", kutanthauza kuti zitha kusamutsidwa kupita kumalo atsopano. Komabe, kusunthaku kumawonedwa ngati ntchito yatsopano yobwereketsa ngongole, chifukwa chake muyenera kukwaniritsa macheke a wobwereketsayo ndi njira zina zomwe zivomerezedwe kubwereketsa.

"Porting" kubwereketsa nthawi zambiri angatanthauze kokha kusunga malire alipo pa panopa yokhazikika kapena kuchotsera malonda, kotero inu muyenera kusankha chinthu china chilichonse kusuntha ngongole, ndipo mgwirizano latsopanoli n'zokayikitsa zikugwirizana.ndandanda wa mgwirizano alipo.

Ngati mukudziwa kuti mukuyenera kubweza nthawi yobweza ngongole iliyonse yatsopano, mungafune kuganizira zotsatsa zomwe zili ndi ndalama zochepa kapena osabweza msanga, zomwe zimakupatsani ufulu wogula pakati pa obwereketsa ikafika nthawi. suntha