Tchati cha zaka 30 zamitengo yanyumba
Chiwongola dzanja chiwongola dzanja chatsika pamitundu iwiri ya ngongole sabata ndi sabata: mitengo yokhazikika yazaka 30 idatsika pang'ono (kuchokera pa 5,30% mpaka 5,25%), monganso zaka 15 zokhazikika (kuchokera 4,48% mpaka 4,43%), pomwe 5/ Mitengo ya 1 ARM idakwera (kuchokera 3,98% mpaka 4,08%). Chidule cha Mlingo Wasabata
Chiwerengero cha ntchito zobwereketsa zatsika ndi 11%, malinga ndi Mortgage Bankers Association. "Zofunsira kubwereketsa zidatsika kwa nthawi yoyamba m'milungu itatu, popeza chiwongola dzanja cha ngongole - ngakhale chinatsika sabata yatha - idakhalabe ndi magawo awiri peresenti kuposa chaka chapitacho komanso pafupi ndi milingo yayikulu kwambiri kuyambira 2009. kuchuluka kwa ziwongola dzanja kumakhalabe kosokoneza kwambiri, "atero a Joel Kan, Wachiwiri kwa Purezidenti wa Economic and Industrial Forecasting ku MBA. "Mafunso ogula adatsika ndi 12% sabata yatha chifukwa ogula nyumba adasiyidwa chifukwa chokwera mitengo komanso kutsika mtengo. Kuonjezera apo, kusatsimikizika kokhudza momwe chuma chikuyendera posachedwa, komanso kusasinthika kwaposachedwa kwa msika wa masheya, kungapangitse mabanja ena kuchedwetsa kufunafuna kwawo nyumba.
Zithunzi za chiwongola dzanja cha ngongole
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
Chiwongola dzanja cha ngongole
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.
Sungani
Akatswiri athu akhala akukuthandizani kuti muzitha kudziwa bwino ndalama zanu kwazaka zopitilira makumi anayi. Timayesetsa nthawi zonse kupatsa ogula upangiri waukadaulo ndi zida zomwe amafunikira kuti achite bwino pamoyo wawo wonse wazachuma.
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.
