Kodi ndi bwino kubwereka nyumba kapena ngongole?
Pali mabungwe angapo azachuma omwe amapereka ngongole kwa anthu omwe amagula malo, mwachitsanzo, makampani obwereketsa ndalama ndi mabanki. Mudzafunika kudziwa ngati mungatenge ngongole, ndipo ngati ndi choncho, ndalama zake ndi zotani (kuti mumve zambiri za ngongole zanyumba, onani gawo la Mortgages).
Makampani ena obwereketsa nyumba amapatsa ogula chiphaso chonena kuti ngongoleyo ipezeka bola malowo ali okhutiritsa. Mutha kupeza satifiketi iyi musanayambe kufunafuna nyumba. Makampani ogulitsa nyumba amati satifiketi iyi ikhoza kukuthandizani kuti wogulitsa avomereze zomwe mukufuna.
Muyenera kulipira ndalama panthawi yosinthana mapangano, milungu ingapo isanathe kugula ndipo ndalamazo zimalandiridwa kuchokera kwa wobwereketsa ngongole. Kusungitsa nthawi zambiri kumakhala 10% ya mtengo wogulira nyumbayo, koma imatha kusiyanasiyana.
Mukapeza nyumba, muyenera kukonza zowonera kuti muwonetsetse kuti ndi zomwe mukufuna komanso kuti mudziwe ngati mukuyenera kugwiritsa ntchito ndalama zowonjezera kunyumba, mwachitsanzo kukonza kapena kukongoletsa. Zimakhala zachilendo kwa munthu wogula kukaona malo kawiri kapena katatu asanaganize zopereka.
Kodi ndikwabwino kugula malo ogulitsa ndi ndalama kapena ndi ngongole yanyumba?
Chimodzi mwa zisankho zofunika kwambiri zomwe aliyense angapange m'moyo wake ndi kugula nyumba. Ogula nyumba ena angadabwe ngati chosankha chawo chogula nyumba chiri cholondola kwa iwo, popeza kuti munthu wamba amasintha malingaliro ake ponena za chosankha chawo zaka zisanu kapena zisanu ndi ziwiri zilizonse. Podziwa izi, anthu ambiri amadabwa ngati kugula nyumba ndi njira yabwino kwambiri kwa iwo. Komabe, kugula nyumba kuli ndi ubwino wambiri. Koma palinso zovuta, zomwe zikutanthauza kuti kubwereka kungakhale njira yabwino kwambiri kwa iwo. Njira yabwino yodziwira ngati kugula kapena kubwereka ndizovuta kwambiri; munthuyo ayenera kupenda mkhalidwe wake kuti apange chosankha choyenera.
Wogula ali ndi udindo woposa malipiro a ngongole. Palinso misonkho, inshuwaransi, kukonza ndi kukonza zomwe zimadetsa nkhawa. Muyeneranso kuganizira zolipira za eni eni.
Mitengo ya msika ndi nyumba zimasinthasintha. Kuwonanso kapena kutsika kwa mtengo wa nyumbayo kumadalira nthawi yomwe idagulidwa, mwina panthawi yachitukuko kapena zovuta. Malowo sangayamikire pamtengo womwe mwiniwake amayembekezera, ndikukusiyani opanda phindu mukakonzekera kugulitsa.
Gulani-to-let model ku Austria
1. Kugula kubwereka kungakhale kovutitsa komanso kuwononga nthawi2. Malamulo atsopano azachuma akuyenera kuphunziridwa3. Kupanga kampani yocheperako kumatha kuchepetsa mtengo4. Kupeza ngongole kumafuna ndalama zambiri5. Ogula nthawi yoyamba sangayenerere6. Sizinthu zonse zomwe zimakhala zopindulitsa7. Ma komiti a ngongole atha kukhala apamwamba8. Ganizirani kawiri musanatenge penshoni9. kudziwa dera
Kuyika ndalama pogula malo kumatha kukhala ndi zoopsa zazikulu ndipo ndi koyenera kwa anthu omwe ali ndi ndalama zoyendetsera ndalama zomwe sizingachitike. Kuwonjezera apo, kasamalidwe ka katundu akhoza kutenga nthawi ndipo sikuyenera kuonedwa ngati ndalama zazing'ono.
Kwa anthu ena ndi mtundu wolakwika wa ndalama. Zinganenedwe kuti ndalama zogulitsa katundu ndizosavuta kusamalira kusiyana ndi malo. Tikukufotokozerani momwe mungasungire ndalama pamsika ngati mulibe ndalama zambiri.
Mpaka Epulo 2020, eni eni eni eni eni atha kuchotsera chiwongola dzanja cha chiwongola dzanja ku ndalama zomwe amabwereka powerengera msonkho wawo, womwe umadziwika kuti chiwongola dzanja cha chiwongola dzanja chanyumba.
Momwe mungagulitsire malo ndi ndalama zochepa
Msika wogulitsa nyumba ndi wotentha kwambiri, ndipo palibe mliri kapena kukwera kwamitengo yanyumba zomwe sizingathe kuzimitsa moto. Ndalama zogulira nyumba zogulira nyumba zakwera pang'onopang'ono chaka ndi chaka kuyambira Meyi, pomwe malo ogulitsa nyumba akupitilira kukwera mtengo m'dziko lonselo.
Monga chofananira ndi mitengo yomwe ikukwerayi, chiwongola dzanja cha chiwongola dzanja chikupitilira kutsika, ndipo sabata ino aphwanyanso mbiri, malinga ndi Freddie Mac. Chaka chatha panthawiyi chinali 30%.
"Kukhala ndi nyumba ndi momwe anthu ambiri aku America amapangira chuma chawo. Gawo lamalipiro a nyumba iliyonse yomwe mwini nyumba amapanga imagwiritsidwa ntchito pa kubweza ngongole yanyumba (malipiro akuluakulu), zomwe zimawonjezera ndalama zanyumba ndikuthandizira kumanga ndalama za eni nyumba."
"Katswiri wazachuma yemwe adapambana Mphotho ya Nobel komanso pulofesa wa ku Yale, Robert Shiller, akunena zomveka kuti malo, makamaka nyumba zogona, ndi ndalama zotsika mtengo kwambiri poyerekeza ndi masheya. Shiller apeza kuti, kusinthidwa ndi kukwera kwa mitengo, mtengo wapakati wa nyumba wangokwera 0,6% pachaka pazaka 100 zapitazi.
