Kodi ndigule nyumba pano kapena ndidikire mpaka 2023?
Komanso mvetsetsani kuti ndikwabwino kwa inu ngati mutapeza zikalata zotsekera pasadakhale ndikuwunikanso musanasaine. Izi zimatengera kukakamizidwa kwambiri, koma zikutanthauza kuti muyenera kuchita mbali yanu kuti mutseke ngongoleyo mwachangu.
Ngati mwatsala pang'ono kusaina mgwirizano wogula nyumba, muyenera kukhala okondwa (ndi kumasuka) kuti "mwapititsa patsogolo ndalama" mpaka pano. Koma musanayambe kukhudza cholembera ku pepala, dzifunseni funso ili: "Kodi ndatsala pang'ono kuvomereza tsiku lomaliza la "zabwino" kapena "zoipa"?
Ngati simukulola nthawi yokwanira, tsiku lanu lotseka likhoza kubwera ndalama zanu zisanavomerezedwe. Ngati izi zitachitika, wogulitsayo atha kuletsa malondawo kuti apereke mwayi wowoneka bwino. Ngakhale ogulitsa ambiri amavomereza tsiku latsopano, bwanji kutenga chiopsezo?
Kumbali ina, ndikofunikira kuti kutseka kuchitike chiwongola dzanja cha wobwereketsa chisanathe kuti musangalale ndi chiwongola dzanja chomwe munalonjeza. Ngati tsiku lomalizira lachedwa kwambiri, mungafunikire kukambirana za chiwongoladzanja chatsopano, kapena phukusi lonse la ngongole.
Kodi ndi nthawi yabwino kugula nyumba pa nthawi ya?
Ndife ntchito yofananira yodziyimira payokha, yothandizidwa ndi zotsatsa. Cholinga chathu ndi kukuthandizani kuti mupange zisankho zanzeru zachuma popereka zida zolumikizirana ndi ndalama zowerengera ndalama, kusindikiza zolemba zoyambirira ndi zomwe mukufuna, ndikukulolani kuti mufufuze 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.
Kodi ndigule nyumba tsopano kapena ndidikire kugwa kwachuma?
Malinga ndi kafukufuku waposachedwapa wa Fannie Mae, ogula ambiri amazengereza kugula nyumba mu 2022. Oposa 60% a anthu omwe anafunsidwa amayembekezera kuti chiwongoladzanja cha ngongole chikwere, ndipo pali nkhawa zambiri zokhudzana ndi chitetezo cha ntchito komanso kukwera mitengo kwa nyumba.
Ndiye ngati mukuyembekeza kusamukira chaka chamawa, mwina mumadzifunsa kuti, "Kodi ino ndi nthawi yabwino yogula nyumba?" Chowonadi ndi chakuti funso ili ndi losavuta kuposa momwe mukuganizira. Nkhaniyi ifotokoza zina mwazinthu zazikulu zomwe muyenera kuziganizira musanagule nyumba.
Kuti mudziwe ngati ino ndi nthawi yabwino yogula nyumba, yang'anani momwe ndalama zanu zilili komanso mitengo yanyumba m'dera lanu. Ngati muli ndi ndalama zomwe mwasungira kuti mulipire pang'onopang'ono ndipo malipiro anu a ngongole akufanana kapena zochepa kuposa lendi ya pamwezi, kugula panopa kungakhale njira yabwino.
Mu 2021, chiwongola dzanja chidatsika kwambiri, zomwe zidapangitsa kugula nyumba kukhala njira yowoneka bwino. Komabe, Federal Reserve ikukweza chiwongola dzanja kwa nthawi yoyamba muzaka ziwiri kuti ithandizire kuthana ndi kukwera kwa mitengo.
Kodi ndigule nyumba pano kapena ndidikire mpaka 2022?
Januwale ndi nthawi yabwino yopangira nyumba. Palibe ogula ambiri omwe amafuna kulimba mtima kuzizira kuti apeze nyumba, choncho mitengo ndi yotsika kwambiri. Malo ogulitsa nyumba amatenganso nthawi yayitali kuti agulitse. Izi zikutanthauza kuti ogulitsa ali okonzeka kuvomereza zotsika mtengo.
Msika ukuchira kuyambira February. Spring ndi nthawi yotanganidwa kwambiri pachaka kugula nyumba. Nyumba zambiri zilipo, mitengo ikukwera, ndipo mpikisano ukuwonjezeka. Nyumba zimawonekanso zowoneka bwino mu kasupe. Ogula nthawi zambiri amagula m'chilimwe kuti athe kusamukira ku nyumba yawo yatsopano m'nyengo yachilimwe.
Mitengo yapanyumba imakwera kwambiri m'nyengo yotentha, makamaka mu June ndi July. M'dzinja, mitengo imatsika komanso kuchuluka kwa nyumba zomwe zalembedwa. Msika nthawi zambiri umaundana mu Disembala, mwina chifukwa cha tchuthi.
Msika wa ogulitsa ndi wosiyana: Mitengo ndi yokwera ndipo kupezeka ndi kotsika. Pankhaniyi, ogulitsa amatha kusankha zomwe akufuna kuziganizira ndikusankha zabwino kwambiri. Zotsatsa zingapo zimatha kuyambitsa nkhondo yotsatsa. Izi zikutanthauza kuti mutha kutaya nyumba yanu yamaloto ngati zomwe mwapereka sizikhala zapamwamba kwambiri.
