Ndipemphe ndalama zingati zanyumba
Ngati mukufuna kulembetsa kubwereketsa, chowerengera chathu chidzakupatsani lingaliro losavuta la kuchuluka kwa wobwereketsa kutengera ndalama zomwe mumapeza komanso ngati mukugula kwa wina.
Mabanki ndi mabungwe omanga nthawi zambiri amapereka kuchulukitsa kanayi ndi theka ndalama zomwe mumapeza pachaka ndi aliyense amene mumagula naye. Izi zikutanthauza kuti ngati mutagula nokha ndikupeza £30.000 pachaka, akhoza kukupatsani ndalama zokwana £135.000.
Komabe, pali zosiyana. Mabanki ena amapereka ngongole zazikulu zanyumba kwa obwereka omwe ali ndi ndalama zambiri, madipoziti okulirapo, kapena ogwira ntchito zinazake. Ngati mukuyenerera, mutha kubwereka kuchulukitsa kasanu ndi theka zomwe mumapeza.
Nthawi zambiri, obwereketsa "adzayesa kupsinjika" dongosolo lililonse lakubweza ngongole kuti atsimikizire kuti lingathe kupirira kukwera kwa chiwongola dzanja cha maperesenti atatu. Bank of England ikuganiza zochotsa izi, ngakhale kusinthaku sikungachitike mpaka 2023.
Ngati muli ndi chiwongola dzanja chokhazikika, chiwongoladzanja chiwonjezeke sichingakhudze mpaka kumapeto kwa nthawi yanu yokhazikika. Koma ndi kubwereketsa kosinthika, chiwongola dzanja chikhoza kukwera kapena kutsika nthawi iliyonse panthawiyi.
calculator ya ngongole
Timalandila chipukuta misozi kuchokera kwa othandizana nawo omwe amatsatsa patsamba lino. Sitinawunikenso zonse zomwe zilipo kapena zotsatsa. Kulipiridwa kungakhudze dongosolo lomwe zotsatsa zimawonekera patsamba, koma malingaliro athu akonzi ndi mavoti satengera chipukuta misozi.
Zambiri kapena zonse zomwe zili pano ndi zochokera kwa anzathu omwe amatipatsa ntchito. Umu ndi momwe timapangira ndalama. Koma kukhulupirika kwathu kwa mkonzi kumatsimikizira kuti malingaliro a akatswiri athu sakukhudzidwa ndi chipukuta misozi. Migwirizano ingagwire ntchito pazotsatsa zomwe zikuwonekera patsambali.
Kugula nyumba ndi ntchito yaikulu. Ndikofunikira kugula nyumba yomwe inu ndi banja lanu mumakonda, komanso ndikofunikira kuwonetsetsa kuti mungakwanitse kubweza ngongole. Ndalama zomwe mudzawononge pogula nyumba zimadalira kuchuluka kwa ngongole yanu komanso ndalama zanyumba zomwe mwakhazikitsa, komanso ndalama zina zapakhomo monga misonkho yanyumba, inshuwaransi, nthawi zina chindapusa cha eni nyumba, komanso inshuwaransi yobwereketsa nyumba. Pano tidzakuthandizani kupanga chisankho choyenera cha zachuma komanso momwe mungayankhire funso lakuti, "Kodi ndingakwanitse bwanji nyumba?"
ndingabwereke ndalama zingati za nyumba
Kugula nyumba ndi kudzipereka kwakukulu, ndipo zinthu zambiri zimatsimikizira zomwe wobwereketsa ngongole akufuna kukupatsani. Tiuzeni pang'ono zandalama zanu ndi mtundu wa malo omwe mukufuna kugula kuti mudziwe zomwe mungakwanitse.
Musanayambe kufunafuna nyumba yatsopano, muyenera kudziwa kuchuluka kwa nyumba yomwe mungakwanitse. Njira imodzi yoyambira ndiyo kuvomerezedwa ndi wobwereketsa, zomwe zidzaganizire zinthu monga ndalama, ngongole ndi ngongole, komanso kuchuluka kwa ndalama zomwe mwasunga kuti muthe kulipira, kuti mudziwe kuchuluka kwa ngongole yomwe mungathe. . Lamulo lodziwika bwino ndilofuna kukhala ndi nyumba yomwe imawononga pafupifupi kawiri ndi theka malipiro anu apachaka. Ngati muli ndi ngongole yaikulu ya kirediti kadi kapena zofunika zina zandalama, monga alimony kapena zinthu zina zodula, mungafunikire kuchepetsa zomwe mukuwona. Lamulo linanso lofunika: Malipiro anu a mwezi uliwonse a nyumba asapitirire 36% ya ndalama zomwe mumapeza pamwezi. Chowerengera ichi chikhoza kukupatsani lingaliro lambiri la kukula kwa ngongole yomwe mungakwanitse.
Zillow
Dziwani kuchuluka kwa momwe mungalipire nyumba ndi chowerengera chathu chamtengo wanyumba. Pezani kuyerekeza kwamitengo yanyumba ndi kubweza ngongole pamwezi kutengera ndalama zomwe mumapeza, ngongole zapamwezi, kubweza komwe muli komanso komwe muli.
Mukapeza ndalama zogulira nyumba yanu, mudzabweza ndalama zochulukirapo kuposa zomwe munabwereka, popeza ndalama zomwe mudzabweze zimatsimikiziridwa ndi zinthu zingapo, kuphatikiza chiwongola dzanja ndi kuchuluka kwa ngongoleyo. Awa ndi ena mwa mawu omwe muyenera kuwamvetsetsa. Chiwongoladzanja Chochotsera Chiwongoladzanja Nthawi ya Ngongole ya Chiwongoladzanja Kumbukirani kuti chiwongoladzanja ndi gawo chabe la nkhaniyo. Mtengo wobwereketsa ukuwonetsedwa pachiwongola dzanja, malo ochotsera, ma komisheni ndi ndalama zotsegulira. Mtengo umenewu umadziwika kuti annual percentage rate (APR), umene kaŵirikaŵiri umakhala wokwera kuposa chiwongola dzanja. APR imakulolani kuti mufananize ngongole zanyumba za ndalama zomwezo mu madola poganizira mtengo wawo wapachaka. Kulipira kwanyumba pamwezi Kulipira kwanyumba pamwezi nthawi zambiri kumakhala ndi magawo anayi: Kutengera malo omwe muli, mtundu wa malo ndi kuchuluka kwa ngongoleyo, mutha kukhala ndi ndalama zina zapamwezi kapena pachaka monga inshuwaransi yanyumba, inshuwaransi ya kusefukira kapena ndalama za eni nyumba. . Kanema - Zomwe Zili Pakulipira Ngongole Onerani vidiyoyi kuti mumvetse zomwe zimapanga ndalama zangongole - chachikulu, chiwongola dzanja, misonkho, ndi inshuwaransi - komanso momwe angasinthire nthawi yonse ya ngongoleyo. Onani chiwongola dzanja chapano.
