Halifax gulani kuti mulole
Anthu nthawi zambiri amakhala ndi njira ziwiri posankha malo okhala, komanso nyumba yawo. Mmodzi wa iwo ndi kubwereka nyumba ya wina ndipo wina ndi kugula nyumba ya wina. Ngakhale zimanenedwa kuti kukhala ndi nyumba ndi "maloto aku America", sizili choncho nthawi zonse, komanso si njira yoyenera kwa aliyense. Palibe chosankha chabwino kapena cholakwika posankha kupanga lendi kapena kukhala ndi nyumba. Popeza kuti kugula nyumba ndi ndalama zambiri kwa anthu ambiri, m’pofunika kuti asamafulumire kuchita zinthu mopupuluma. M’malo mwake, iwo adzafuna kupanga chosankha cholingalira bwino mogwirizana ndi mikhalidwe yawo yaumwini.
Pali zinthu zambiri zomwe zingakhudze chisankho cha munthu kupanga lendi motsutsana ndi kugula nyumba. Nthawi zambiri chinthu chomwe chimakhudzidwa kwambiri ndi zachuma. Nthawi zambiri anthu amachita lendi akakhala kuti sangakwanitse kulipirira nyumba zawo, ali ndi ngongole zosakwanira, ali ndi ngongole zambiri, kapena ali mkati momanga ngongole. Munthu akachita lendi alibe udindo wokonza nyumba kapena kukonza dimba. Komabe, munthu akakhala ndi nyumba, ndi udindo wake kuisamalira ndi kulipirira kukonzanso kofunikira. Kwa anthu ena, ndalama zosamalira zimakhala zolepheretsa. Anthu omwe sanakhazikike pamalo amodzi kapena omwe akufuna kusamuka kwazaka zingapo angasankhenso kupanga lendi m'malo mogula nyumba. Izi zidzawapulumutsa ku vuto la kugulitsa nyumba yawo komanso kutaya ndalama zomwe zingatheke chifukwa chokhala ndi malipiro a nyumba ziwiri pamwezi panthawi imodzi pamene akusamukira.
Obwereketsa omwe amalandila ndalama zobwereka
Kugula nyumba ndi gawo lofunikira la maloto aku America. Komabe, kusankha kugula kapena kubwereka ndi chisankho chofunikira chomwe chimakhudza thanzi lanu lazachuma, moyo wanu, ndi zolinga zanu. Njira yomwe mumasankha imadalira kwathunthu moyo wanu komanso momwe mulili ndi ndalama. Onsewa amafunikira ndalama zokhazikika (kuti athe kukwanitsa zolipirira ndi zolipirira zina) ndipo angafunikenso kuyesetsa kuti asamalire.
Koma pali zosiyana zingapo zomwe zimapangitsa kuti lendi ndi umwini zikhale zosiyana kwambiri. Kubwereketsa malo sikukhala ndi maudindo onse okhudzana ndi umwini wanyumba ndipo mumatha kusinthasintha chifukwa simumangika ku katundu wanu. Kukhala ndi nyumba ndi ndalama zambiri, koma zimakhala ndi ndalama zambiri, poyambirira komanso pakapita nthawi.
Chikhulupiriro chachikulu chokhudza lendi ndikuti ndalama zimatayidwa mwezi uliwonse. Izo si zoona. Kupatula apo, mumafunikira malo okhala ndipo nthawi zonse zimawononga ndalama mwanjira ina. Ngakhale zili zoona kuti malipiro a mwezi ndi mwezi sakupanga chuma, si ndalama zonse za umwini wa nyumba zomwe zimapita ku kumanga chuma.
Kugula kapena kubwereka nyumba
Ngati munaganizapo zopanga ndalama zogulira nyumba zobwereka, ino ikhoza kukhala nthawi yabwino. Chiwongola dzanja chobwereketsa chikhalabe chotsika m'mbiri yakale, ndipo ndalama zobwereketsa zingapereke chitetezo chofunikira ku kusatsimikizika kwachuma komwe kulipo. Komanso, akatswili azachuma akulosera za kutseka kwa 2021, anthu ambiri atha kufunafuna renti zomwe zilipo.
Koma kodi malo obwereketsa amalipiridwa bwanji? Yankho, kwa anthu ambiri, ndi njira yomweyo kugula nyumba ndi ndalama: ndi ngongole. Kaya mukukonzekera kukhala m'nyumba kapena ayi, ngongole yobwereketsa ndiyo njira yabwino kwambiri yopezera ndalama zogulira lendi, chifukwa imatsimikiziridwa ndi nyumbayo.
"Ngongole zanyumba zonse zimangotengera ngozi," akutero Brooke Dalzell, director of Production ku Minute Mortgage ku Scottsdale, Arizona. "Ngongole yobwereketsa ndalama imakhala ndi chiopsezo chachikulu kuposa ngongole yanyumba yoyamba, chifukwa chakuti mwiniwakeyo sakukhala m'nyumba."
Komabe, pakubweza ndalama zosakwana 20% kunyumba kwawo, wobwereka amayenera kulipira inshuwaransi yanyumba (PMI), yomwe imatha kutenga pakati pa 0,25% ndi 2% ya ngongoleyo pachaka. PMI sichimakhudza katundu wa ndalama, kotero osunga ndalama ayenera kupanga malipiro okulirapo.
Kodi lendi imakhudza kubwereketsa nyumba?
Malo obwereketsa atha kukhala njira yabwino yopezera ndalama kwa omwe akufunafuna ndalama zambiri, zomwe zalimbikitsa anthu ambiri ku United States kuti aziwona malo ogulitsa ngati njira yabwino kwambiri yopezera ndalama zomwe amapeza.
Komabe, ogula koyamba nthawi zambiri amapeza kuti kugula nyumba yobwereketsa kumakhala kovuta kwambiri kuposa momwe amaganizira. Izi ndizowona makamaka zikafika pakuyeneretsedwa kubwereketsa ndalama zofunika kwambiri ... ngongole yanyumba yobwereketsa.
Kupereka ndalama zogulira nyumba yobwereka sikufanana ndi kulipira nyumba yoyamba. Obwereketsa amakonda kukhala osasamala pankhani yolemba ngongole zanyumba zobwereketsa, ndipo ogula koyamba ayenera kukhala okonzeka kukwaniritsa zofunikira zina asanayembekezere kuvomerezedwa kubwereketsa nyumba.
Mabanki ndi obwereketsa nyumba amasiyanitsa bwino pakati pa mitundu ya katundu ikafika pangongole yobwereketsa. Izi zitha kukhala zosokoneza kwa osunga malo ogulitsa nyumba, omwe amaganiza kuti ngongole imodzi ndi yofanana ndi ina pomwe sizili choncho.
