Lipiranitu ngongole yobweza
M'dziko la ngongole zanyumba, kubweza ndalama kumatanthawuza kubweza ngongole pakapita nthawi yolipira pamwezi. Kulipira kwanu kwanyumba pamwezi kumapita m'magulu osiyanasiyana. Koma kubweza ndalama kumangotanthauza magawo awiri mwa magulu awa:
Mukatenga ngongole kuti mugule nyumba, mumavomerezana ndi wobwereketsa wanu za ndondomeko yeniyeni yobwezera, nthawi zambiri zaka 15 kapena 30. Kumbukirani kuti nthawi yayitali, ndiye kuti mudzalipira zambiri.
Dongosolo lachiwongola dzanja kapena tebulo limakupatsani kuwerengera kowonera mpaka kumapeto kwa ngongole yanu. Ichi ndi tchati chomwe chikuwonetsa kuchuluka kwa malipiro aliwonse omwe angapite ku chiwongola dzanja ndi mtengo wake, mpaka nyumbayo itathetsedwa.
Mwachitsanzo, mutha kubweza ngongole yanu kuti musinthe nthawi yake. Izi zitha kusintha zinthu monga chiwongola dzanja, kuchuluka kwa zolipirira pamwezi komanso nthawi yobwezera. (Zindikirani: Kubwezanso ndalama kokha ngati mutha kupeza chiwongola dzanja chochepa komanso nthawi yakubweza yaifupi.)
Pomaliza, chotsani chiwongola dzanjacho pamalipiro anu a mwezi uliwonse. Chotsalira ndi ndalama zomwe zidzapite kwa mphunzitsi wamkulu wa mwezi umenewo. Njira yomweyi imabwerezedwa mwezi uliwonse mpaka ngongoleyo italipidwa mokwanira.
Nthawi yobweza ngongole motsutsana ndi nthawi yangongole
ARM ya zaka 5/1 kapena 5 ndi ngongole yanyumba pomwe "5" ndi chiwerengero cha zaka zomwe chiwongoladzanja choyamba chidzakhazikika. "1" imayimira kuchuluka kwa chiwongoladzanja kudzasinthidwa pakatha zaka zisanu zoyambirira. Nthawi zokhazikika zodziwika bwino ndi zaka 3, 5, 7 ndi 10 ndipo "1" ndiyo nthawi yosintha kwambiri. Ndikofunikira kuwerenga bwino mgwirizanowu ndikufunsa mafunso ngati mukuganiza za ARM. Dziwani zambiri za momwe mitengo yosinthira imasinthira.
An adjustable rate mortgage (ARM) ndi mtundu wangongole womwe chiwongola dzanja chake chimatha kusintha, nthawi zambiri mogwirizana ndi chiwongola dzanja. Kulipira kwanu pamwezi kumakwera kapena kutsika kutengera nthawi yoyambira ngongoleyo, kuchuluka kwamitengo, ndi chiwongola dzanja. Ndi ARM, chiwongoladzanja cha chiwongoladzanja ndi malipiro a mwezi uliwonse zingayambe kutsika kusiyana ndi ngongole ya ngongole, koma chiwongoladzanja ndi malipiro a mwezi uliwonse zikhoza kuwonjezeka kwambiri. Dziwani zambiri za momwe ma ARM amagwirira ntchito komanso zomwe muyenera kuyang'anira.
Kubweza ndalama kumatanthauza kulipira ngongole ndi malipiro okhazikika pakapita nthawi, kuti ndalama zomwe muli nazo zichepe ndi malipiro aliwonse. Ngongole zambiri zobwereketsa zimaperekedwa, koma zina sizinabwezedwe mokwanira, zomwe zikutanthauza kuti mukhalabe ndi ngongole mukalipira zonse. Ngati malipirowo ali ocheperapo ndi chiwongoladzanja chomwe chikuyenera kubwezedwa mwezi uliwonse, ndalama zobwereketsa ziwonjezeka m'malo mochepa. Izi zimatchedwa negative amortization. Mapulogalamu ena obwereketsa omwe sanabwezedwe mokwanira panthawi yangongole angafunike kulipira mabaluni ambiri kumapeto kwa nthawi yobwereketsa. Onetsetsani kuti mukudziwa mtundu wa ngongole yomwe mumalandira.
Kuchulukitsa kwa amortization
Amortization ndi njira yowerengera ndalama yomwe imagwiritsidwa ntchito pochepetsa nthawi ndi nthawi mtengo wangongole kapena katundu wosagwirika pakanthawi inayake. Pankhani ya ngongole, kubweza ngongole kumayang'ana pa kufalitsa malipiro a ngongole pakapita nthawi. Akagwiritsidwa ntchito ku chinthu, kubweza ndalama kumafanana ndi kutsika mtengo.
Mawu akuti "amortization" amatanthauza zinthu ziwiri. Choyamba, kubweza ngongole kumagwiritsidwa ntchito pobweza ngongole kudzera pamalipiro anthawi zonse ndi chiwongola dzanja pakapita nthawi. Dongosolo la amortization limagwiritsidwa ntchito kuchepetsa ngongole yomwe ilipo tsopano - mwachitsanzo, kubwereketsa kapena ngongole yagalimoto - kudzera pakubweza pang'ono.
Chachiwiri, kubweza ndalama kungatanthauzenso mchitidwe wofalitsa ndalama zazikuluzikulu zokhudzana ndi katundu wosagwirika kwa nthawi yodziwika - nthawi zambiri pa moyo wothandiza wa katunduyo - pazowerengera ndi misonkho.
Kubweza ngongole kungatanthauze njira yobweza ngongoleyo pakapita nthawi m'gawo lachiwongoladzanja lachiwongola dzanja ndipo yokwanira kubweza ngongole yonse pofika tsiku loyenera. Chiwongola dzanja chachikulu mwezi uliwonse chimapita ku chiwongoladzanja kumayambiriro kwa ngongoleyo, koma malipiro onse akatsatira, ndalama zambiri zimapita kwa wobwereketsayo.
Kodi kubwezeredwa kwa mortgage kumatsimikiziridwa bwanji?
Jean Murray, MBA, Ph.D., ndi wolemba bizinesi wodziwa zambiri komanso pulofesa. Waphunzitsa m'masukulu abizinesi ndi akatswiri kwazaka zopitilira 35 ndipo adalembera The Balance SMB pamalamulo amabizinesi aku US ndi misonkho kuyambira 2008.
Amortization kwenikweni ali ndi matanthauzo angapo. Pokhudzana ndi ngongole, ndi njira yolipira ngongoleyo kudzera muzolipira zomwe zimaphatikizapo zonse zazikulu ndi chiwongola dzanja. Kubweza ndalama kumafalitsanso mtengo wamtengo wapatali pakapita nthawi chifukwa chamisonkho.
Kutsika kwamitengo ndi kutsika mtengo kwenikweni kumagwiritsa ntchito njira yomweyo koma pazinthu zamitundu yosiyanasiyana. Ngakhale kutsika kwamtengo wapatali kumawononga mtengo wa chinthu chogwirika pa moyo wake wothandiza, kutsika mtengo kumakhudza kugwiritsa ntchito zinthu zosaoneka monga zizindikiro kapena ma patent. Kutsika mtengo kumafanana ndi kutsika kwamitengo yowongoka. Mtengo wa katunduyo umagawidwa mofanana pa moyo wake wonse.
Ndondomeko yobwereketsa nthawi zambiri imagwiritsidwa ntchito kuwonetsa kuchuluka kwa chiwongola dzanja ndi wolipirira wamkulu yemwe amalipidwa pa ngongole ndi malipiro aliwonse. Kwenikweni, ndi ndondomeko ya kubweza yomwe imasonyeza ndalama zomwe zimalipidwa mwezi uliwonse, kuphatikizapo ndalama zomwe zimachokera ku chiwongoladzanja ndi chiwongoladzanja chonse chomwe chinaperekedwa pa moyo wa ngongole.
