Home mortgage tanthauzo
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.
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 ndingapeze chiwongola dzanja panyumba yomwe ndili nayo kale?
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 ndingabwerekenso nyumba yanga popanda ntchito?
Ngongole yobwereketsa nyumba - yomwe imadziwikanso kuti ngongole yanyumba , ngongole yobwereketsa nyumba , kapena ngongole yachiwiri - ndi mtundu wa ngongole ya ogula. Ngongole za Home Equity zimalola eni nyumba kubwereka motsutsana ndi mtengo wanyumba yawo. Ngongoleyi imachokera pa kusiyana kwa mtengo wa msika wa nyumbayo ndi ndalama za eni ake. Ngongole zogulira nyumba nthawi zambiri zimakhala ndi mtengo wokhazikika, pomwe njira zina, mizere yangongole yanyumba (HELOCs), nthawi zambiri imakhala ndi mitengo yosinthika.
Kwenikweni, ngongole yobwereketsa nyumba ndi yofanana ndi ngongole yanyumba, chifukwa chake amatchedwa ngongole yachiwiri. Ndalama zomwe zili m'nyumba zimakhala ngati chikole kwa wobwereketsa. Ndalama zomwe mwininyumba angabwereke zimadalira pang'ono pa chiŵerengero cha 80% mpaka 90% cha mtengo wa nyumbayo. Zoonadi, kuchuluka kwa ngongole ndi chiwongoladzanja choperekedwa zimadaliranso mbiri ya ngongole ya wobwereka ndi mbiri ya malipiro.
Ngongole zachikhalidwe zapanyumba zimakhala ndi nthawi yobwezera, monga ngongole zanyumba wamba. Wobwereka amapereka malipiro okhazikika, okhazikika omwe amalipira ndalama zonse ndi chiwongoladzanja. Monga momwe zimakhalira ndi ngongole yanyumba, ngati ngongoleyo sinalipire, nyumbayo ikhoza kugulitsidwa kuti akwaniritse ngongole yotsalayo.
Ndikosavuta kupeza ngongole ngati muli ndi nyumba kale?
Mukakhala ndi nyumba, mutha kugwiritsa ntchito ngongole zanyumba zosiyanasiyana kuti mupeze ngongole pamtengo wanyumba yanu. Njira zabwino zopezera ndalama zogulira nyumba ndi chiwongola dzanja chochepa ndi monga kubweza ndalama, ngongole zanyumba, ndi mizere yangongole (HELOCs).
Mutha kubwereka mpaka 80% ya mtengo wanyumba yanu. Ndi VA cash-out refinance, mutha kukwera mpaka 100% ya mtengo wanyumba yanu, koma omenyera nkhondo okha ndi omwe akuchita nawo ntchito omwe ali oyenera kubwereketsa ngongole ya VA.
Eni nyumba amatha kubwereka mpaka 80% ya mtengo wanyumba yawo ndi ngongole yanyumba, yomwe imadziwikanso kuti ngongole yachiwiri. Komabe, mabanki ena ang'onoang'ono ndi mabungwe a ngongole akhoza kukulolani kuti mutenge 100% ya ndalama zanu.
Ngongole zanyumba zimakhala ndi chiwongola dzanja chokwera poyerekeza ndi kubweza ndalama, koma mitengo yotsika poyerekeza ndi kirediti kadi kapena ngongole yanu. Popeza ndingongole yokhala ndi chiwongola dzanja chokhazikika, mudzakhalanso ndi chindapusa cha mwezi uliwonse.
Mutha kugwiritsa ntchito ndalama zanu. Koma ngati mulibe ndalama zambiri - kapena simukufuna kukhudza zomwe mwasunga kapena ndalama zina - kubweza ndalama kapena ngongole yanyumba kungakuthandizeni kugula malo ena.
