Zithunzi za mitengo ya chiwongola dzanja ku US
Chiwongola dzanja chimakhudza nthawi ya ngongole yanu yanyumba ndi ndalama zomwe mumalipira mwezi uliwonse, choncho muyenera kuzidziwa bwino. Pali njira ziwiri zazikulu zomwe zilipo, zokhazikika kapena zosinthika. Yang'anani pamitengo yathu yapano kapena pemphani kuyimbira foni kwa Mortgage Master wakomweko; Adzakhala okondwa kukuthandizani kusankha njira yabwino kwambiri.
Ena aife timalakalaka chitetezo cha mtengo wokhazikika, chifukwa zikutanthauza kuti kubweza kwanu kudzakhala komweko pakanthawi yokhazikika. Tafotokozera mwachidule mitengo yathu yokhazikika ya ngongole zanyumba zatsopano mu tchati chabwino chomwe chili pansipa.
Makasitomala obwereketsa omwe ali ndi nyumba amatha kupita kumtengo wocheperako (LTV), pomwe chiŵerengero cha ngongole ndi mtengo chimasintha mokwanira pa nthawi ya ngongole. Pali zambiri za njirayi pano
Makasitomala omwe amakhalapo ndi eni ake atha kusinthira kumitengo yamakampani atsopano a loan-to-value (LTV) LTV ikasintha mokwanira pakubwereketsa. Mutha kupeza zambiri za njirayi pano
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Ndife ntchito yofananira yodziyimira payokha, yothandizidwa ndi zotsatsa. Cholinga chathu ndi kukuthandizani kupanga zisankho zanzeru zachuma popereka zida zolumikizirana ndi zowerengera zachuma, kusindikiza zolemba zoyambirira komanso zopanda tsankho, ndikukulolani kuti muchite 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.
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Kusintha kulikonse kudzadalira mtundu wa ngongole yomwe muli nayo, ndalama zomwe mwabwereka komanso nthawi yomwe mwatulutsa. Ngati gawo lililonse la ngongole yanu yanyumba ili pamitengo yathu yosinthira ndipo mitengo yanu ikusintha mutasintha mu Bank of England Base Rate, malipiro anu akhoza kukwera kapena kutsika. Izi zikachitika, tikulemberani kuti mutsimikizire chindapusa chanu chatsopano.
Ngongole yotsatiridwa ndi chiwongola dzanja chosinthika. Kusiyana pakati pa ngongole zanyumba ndi zina zosinthika ndikuti amatsata, kapena kutsata, kayendetsedwe ka mtengo wina, nthawi zambiri Bank of England base rate. Ngati ngongole yanu yanyumba ikukhudzidwa ndi kusintha kwa mtengowo, tidzakulemberani kuti mutsimikizire gawo lanu latsopanolo. Kusintha kulikonse kwa chiwongola dzanja kumakhala kogwira ntchito kuyambira tsiku loyamba la mwezi wotsatira chilengezo cha Bank of England.
Ngati muli ndi chiwongola dzanja chokhazikika, malipiro anu adzakhala ofanana panthawi yokhazikika, chifukwa ndalama zomwe mukulipira sizisiyana ndi Bank of England. Ubwino wa mlingo wokhazikika ndikuti umachotsa kusatsimikizika kuti mlingowo udzakwera; Zachidziwikire, chiwongola dzanja cha Bank of England chikhoza kutsika panthawi yachitsulo.
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Ngongole zanyumba zokhazikika komanso zobwereketsa zosinthika (ARMs) ndi mitundu iwiri yayikulu ya ngongole zanyumba. Ngakhale msika umapereka mitundu yambiri m'magulu awiriwa, sitepe yoyamba yogula ngongole ndiyo kudziwa kuti ndi iti mwa mitundu iwiri ya ngongole yomwe ikugwirizana ndi zosowa zanu.
Ngongole yokhazikika imayitanitsa chiwongola dzanja chokhazikika chomwe chimakhalabe chomwechi nthawi yonse ya ngongoleyo. Ngakhale kuchuluka kwa chiwongola dzanja ndi chiwongola dzanja chomwe amalipidwa mwezi uliwonse zimasiyanasiyana kuchokera kumalipiro kupita ku malipiro, malipiro onse amakhalabe ofanana, kupanga bajeti kukhala kosavuta kwa eni nyumba.
Tchati chotsatirachi chikuwonetsa momwe ndalama za principal ndi chiwongola dzanja zimasinthira pa moyo wangongole. Mu chitsanzo ichi, nthawi yobwereketsa nyumba ndi zaka 30, wamkulu ndi $ 100.000, ndipo chiwongoladzanja ndi 6%.
Ubwino waukulu wa ngongole yokhazikika ndikuti wobwereketsa amatetezedwa ku kuwonjezereka kwadzidzidzi komanso komwe kungakhale kokulirapo kwa ngongole zanyumba pamwezi ngati chiwongola dzanja chikukwera. Ngongole zandalama zokhazikika ndizosavuta kumva ndipo zimasiyana pang'ono kuchokera kwa wobwereketsa kupita kwa wobwereketsa. Choyipa cha ngongole zanyumba zokhazikika ndikuti chiwongola dzanja chikakhala chokwera, zimakhala zovuta kubwereketsa chifukwa zolipira sizitsika mtengo. Chowerengera chobwereketsa chikhoza kukuwonetsani zovuta zamitengo yosiyanasiyana pakulipira kwanu pamwezi.
