Mortgage Calculator ku Germany
Ndikofunika kudziwa kuchuluka kwa ndalama zomwe mungabwereke ndi ngongole yanyumba, chifukwa izi zidzakhudza kufufuza kwanu kwa katundu. Zidzakuthandizaninso kudziwa kuchuluka kwa ndalama zomwe mungafune. Obwereketsa nyumba amagwiritsa ntchito njira zosiyanasiyana kuti awerengere kuchuluka kwake komwe angakubwerekeni, koma chowerengera chathu chobwereketsa chimakupatsani lingaliro labwino la kuchuluka kwa momwe mungabwereke. Chonde dziwani kuti chowerengeracho chimangofuna kupereka chisonyezo.
Musanayambe kufunafuna nyumba ya maloto anu, muyenera kudziwa kuti mungabwereke ndalama zingati kuti mulipirire. Nthawi zambiri, ndalama zomwe mungabwereke zimadalira zinthu zinayi. Ndalama zomwe mukufuna kubwereka mogwirizana ndi mtengo wa katunduyo (womwe umatchedwanso kuti loan-to-value ratio, kapena LTV), ngongole yanu ya ngongole, ndalama zomwe mumapeza, ndi ndalama zanu.
Muyenera kulipira ngongoleyo momasuka panthawi yomwe mukuitulutsa kuti zinthu zosayembekezereka (monga kukwera kwa chiwongola dzanja kapena kuchotsedwa ntchito) zisawononge nyumba yanu pambuyo pake. Kumbukirani kuti pamene wobwereketsa kapena wobwereketsa akuyang'ana kuti awone ngati mungakwanitse kubweza ngongole inayake, kuwonetsetsa kuti mutha kuyendetsa bwino ndalama zomwe mudzatenge kumakupatsani mtendere wamumtima musanalembe ntchito.
Zoopla
Ngati mukugula nyumba, kuchuluka kwa ngongole yobwereketsa nthawi zambiri kumakhala mtengo wogulira kuchotsera mtengowo. Ngati mubweza ngongole yomwe ilipo, ndi likulu lomwe muli ndi ngongole pambuyo pa nthawi yomaliza yobwereketsa.
Nthawi yobwereketsa ndi nthawi yomwe imatengera kubweza ngongole yonse, kuphatikiza chiwongola dzanja. Nthawi yobwereketsa ikhoza kukhala zaka 25 ngati ngongole yanyumba ndi inshuwaransi motsutsana ndi kusakhulupirika, ndipo mpaka zaka 30 ngati sichoncho. Kwa ngongole yatsopano, nthawi yobwereketsa nthawi zambiri imakhala zaka 25.
Kubweza ngongole kumakulolani kuti mulipire zina kapena ngongole yanu yonse nthawiyo isanathe. Ngongole zambiri zotsekera zimakupatsani mwayi wolipira 10% mpaka 20% pachaka popanda chindapusa. Ngongole zambiri zotseguka zimatha kulipidwa popanda ndalama zolipiriratu. Yang'anani tsatanetsatane mu chikalata chanu chanyumba.
Mukakhala olumala, matenda aakulu, kutaya ntchito, kapena imfa, inshuwalansi ya ngongole ingakuthandizeni kulipira ngongole yanu kapena kuchepetsa ndalama zanu, kapena kulipira ndalama zina. Inshuwaransi yobwereketsa ndiyosankha pa ngongole zanyumba.
Inshuwaransi yokhazikika panyumba imateteza wobwereketsa wanu ngati simungathe kulipira ngongole yanu yanyumba. Mufunika inshuwaransi iyi ngati muli ndi ngongole yobwereketsa kwambiri, ndipo nthawi zambiri imawonjezedwa kwa wamkulu wangongole yanu. Ngongole yobwereketsa ndi yokwera kwambiri pamene malipirowo ali osakwana 20% ya mtengo wa katunduyo.
ndalama chowerengera
Kodi mumadziwa kuti powerengera ndalama za nyumba yanu yam'tsogolo pali ndalama zina zomwe ziyenera kuganiziridwa? Komanso, mtundu wa ogula womwe muli nawo udzakhudza ndalama zochepa zomwe muyenera kusunga.
Ndi chowerengera chothandizachi mutha kuwonjezera chilichonse chomwe mungafune kuti musunge nyumba yanu yatsopano, kuphatikiza ndalama zina. Calculator iyi imakuthandizaninso kuyerekeza kuchuluka kwa ndalama zomwe muyenera kusunga mwezi uliwonse kuti mukwaniritse cholinga chanu mkati mwa nthawi yanu.
^Ndalama zowonjezera ndi chiŵerengero cha ma euro 5.000 omwe ndi ndalama zophatikizana za chindapusa cha katswiri, chindapusa choyesa ndi ndalama za loya. Ndalamazi zitha kusiyanasiyana kutengera mtundu wa ogula ndipo ziyenera kutengedwa ngati chiyerekezo. Pakhoza kukhalanso ndalama zowonjezera kutengera momwe zinthu ziliri. Simukufunidwa kuti mupeze kayezedwe kakatswiri, koma tikupangira kuti mutero.
German mortgage
Ngongole yobwereketsa nthawi zambiri imakhala yofunika pogula nyumba, koma zimakhala zovuta kumvetsetsa zomwe mukulipira komanso zomwe mungakwanitse. Makina owerengera ngongole atha kuthandiza obwereketsa kuwerengera ndalama zomwe amalipira pamwezi potengera mtengo wogulira, kubweza, chiwongola dzanja, ndi ndalama zina za eni nyumba.
1. Lowetsani mtengo wa nyumbayo ndi kuchuluka kwa malipiro oyamba. Yambani ndikuwonjezera mtengo wogula wa nyumba yomwe mukufuna kugula kumanzere kwa chinsalu. Ngati mulibe nyumba yeniyeni m'maganizo, mukhoza kuyesa chiwerengerochi kuti muwone kuchuluka kwa nyumba yomwe mungakwanitse. Momwemonso, ngati mukuganiza zopangira nyumba, chowerengera ichi chingakuthandizeni kudziwa kuchuluka komwe mungapereke. Kenaka, onjezerani malipiro omwe mukuyembekezera kupanga, monga peresenti ya mtengo wogula kapena ndalama zinazake.
2. Lowetsani chiwongola dzanja. Ngati mwasaka kale ngongole ndipo mwapatsidwa chiwongola dzanja chambiri, lowetsani chimodzi mwazinthuzo m'bokosi lachiwongola dzanja kumanzere. Ngati simunalandire chiwongola dzanja, mutha kuyika chiwongola dzanja chapano ngati poyambira.
