Kuyesa
Mukamaganizira za kubweza ngongole yanu yanyumba, zambiri zimatengera kuwerengera. Ngati mtengo wa nyumba yanu ndi wotsika kwambiri moti muli pansi pa madzi, ndiye kuti simungathe kukonzanso. Ngati mtengo wowerengera nyumbayo upangitsa kuti nyumbayo ikhale pansi pa 20%, muyenera kulipira inshuwaransi yanyumba yachinsinsi (PMI) kapena kubwera ndi ndalama kuti mukonzenso ndalama. Kuonjezera apo, simungapeze chiwongoladzanja chotsika kwambiri chomwe chilipo, popeza obwereketsa amawona kuti obwereka omwe ali ndi ndalama zochepa amakhala owopsa.
Kuyesa ndi lingaliro laukadaulo la mtengo wanyumba ndipo ndi gawo lofunikira pakugula. Kuyesa kumachitika ndi akatswiri omwe ali ndi zilolezo kapena ovomerezeka, omwe amapereka malingaliro ngati anthu ena osakondera. Wowerengera amalipidwa poyesa nyumba yanu, koma zilibe kanthu kaya mutha kubwereketsa ngongole kapena kubwezanso chifukwa chakuyesa kwawo.
Woyesa amayendera kunyumba kwanu kwa mphindi pafupifupi 30 mpaka maola angapo kuti ayeze kukula kwake, kuyang'ana momwe zimakhalira, ndikuwunika momwe mkati ndi kunja, akujambula zithunzi zakunja, garaja, ndi zipinda zonse zamkati.
kuwunika ntchito
Musananyamule foni kuti muletse kuyeserera kwanu kwina, dziwani kuti obwereketsa akuluakulu apitiliza kuyifuna pazogulitsa zambiri zomwe zili pansi pa $400.000. Njira yanu yabwino yopulumutsira ndalama ndikufanizirabe mitengo ndikusankha wobwereketsa wampikisano kwambiri.
Mwachidule, kuyesa kumatsimikizira kuti wogulitsayo sanayese nyumbayo. Katswiri wowerengera adzayang'ana malowo, kufanizitsa mtengo wake ndi nyumba zina "zofanana" m'deralo, ndikupeza mtengo wokwanira wamsika wolingana ndi mtengo wogulitsa.
Izi zati, kuyesa kumatetezanso wogula. Ngati kuwunika kumabweretsa mtengo wokwera kwambiri, kumatha kupulumutsa wogulayo kuposa $300 kapena $400 yomwe adagwiritsa ntchito pantchitoyo. Kotero, kodi ndi bwino kuchita popanda wina?
Kukweza chiwongola dzanja kuchokera ku $ 250.000 mpaka $400.000 kumatha kukhala ndi chiyambukiro chachikulu pakuyesa kunyumba, mwamalingaliro. Deta ya HMDA kuchokera ku 2017 ikuwonetsa kuti pafupifupi 72% yazinthu zobwereketsa ngongole zimagwera pansi pa malirewo.
Mabungwe omwe adakankhira kusintha kwa lamuloli akunena kuti lamulo lolemba pansi, lomwe silinasinthe kwa zaka zoposa 20, laika "mtolo waukulu kwa [obwereketsa] ndi ogula malinga ndi nthawi ndi ndalama."
wowerengera nyumba
Ngati muli panjira yogula nyumba, mungakhale mukudabwa kuti kuwerengera nyumba ndi chiyani kapena momwe zimayendera pogula nyumba. Kuyesa kwanyumba kumafunsidwa pafupifupi pafupifupi chilichonse chogula malo kapena kubweza ndalama. Nthawi yokhayo yomwe mungagule nyumba osafunikira kuyesedwa ndi ngati mukugula nyumba ndi ndalama. Ngati muli ndi ndalama zogulira nyumba yanu, ndiye kuti mwadzigulira ufulu wogwiritsa ntchito ndalama zilizonse zomwe mukufuna. Koma ngati mukugula nyumba ndi ngongole, banki idzafuna kuyesedwa.
Kuyesa nyumba ndi lipoti lopanda tsankho lomwe limayesa kudziwa mtengo wamtengo wapatali wa katunduyo. Asanabwereke ndalama, banki nthawi zambiri imafuna kuonetsetsa kuti malowo ndi ofunika (osachepera) mtengo wogula. Ngati kuyesako kumapangitsa kuti nyumba ikhale yotsika mtengo kuposa mtengo wogulira, banki ingafune kuti muyike ndalama zambiri ngati chiwongola dzanja. Chifukwa chake ngati mwasunga ndalama zolipirira, mungafunike kusunga ndalama zambiri.
Verb kuti ayenerere
Kaya mukugula nyumba ndi ngongole yobwereketsa, kubweza ngongole yanu yanyumba, kapena kugulitsa nyumba yanu kwa munthu wina osati wogula ndalama, kuyezetsa nyumba ndi gawo lofunikira pakugulitsako. Ngati ndinu wogula, mwini nyumba, kapena wogulitsa, mudzafuna kumvetsetsa momwe ntchito yowunikira imagwirira ntchito komanso momwe wowerengera amawonera mtengo wa nyumba.
Kuyesa ndi lingaliro losakondera la akatswiri pa mtengo wanyumba. Kuyesa nthawi zambiri kumagwiritsidwa ntchito pogula ndi kugulitsa malonda, ndipo nthawi zambiri, pakubweza ndalama. Pogulitsa ndi kugula, kuyesako kumagwiritsidwa ntchito kuti adziwe ngati mtengo wa mgwirizano wa nyumba ndi wokwanira poganizira za chikhalidwe chake, malo ndi makhalidwe ake. Pakukonzanso ndalama, kuyesako kumatsimikizira wobwereketsa kuti sakupereka ndalama zambiri kuposa nyumbayo.
Obwereketsa amafuna kuwonetsetsa kuti eni nyumba sakulipiritsa malo, chifukwa nyumbayo imakhala ngati chikole cha ngongole yanyumba. Ngati wobwereka akulephera kubweza ngongoleyo ndikulowa m'malo, wobwereketsayo amagulitsa nyumbayo kuti abweze ndalama zomwe adabwereka. Kuyesako kumathandizira kuti banki itetezeke kuti isabwereke ndalama zambiri kuposa momwe ingabwezere pazovuta kwambiri.
