Bweretsani chipinda m'nyumba mwanu Netherlands
Ndife ntchito yofananira yodziyimira payokha, yothandizidwa ndi zotsatsa. Cholinga chathu ndi kukuthandizani kuti mupange zisankho zanzeru zachuma popereka zida zolumikizirana ndi ndalama zowerengera ndalama, kusindikiza zolemba zoyambirira ndi zomwe mukufuna, ndikukulolani kuti mufufuze ndikuyerekeza zambiri kwaulere, kuti mutha kupanga zosankha zachuma molimba mtima.
Zopereka zomwe zikuwonekera patsambali ndi zochokera kumakampani omwe amatilipira. Kulipiridwaku kungakhudze momwe zinthu zimawonekera patsamba lino, kuphatikiza, mwachitsanzo, momwe zingawonekere m'magulu amndandanda. Koma kubweza kumeneku sikukhudza zambiri zomwe timafalitsa, kapena ndemanga zomwe mumawona patsamba lino. Sitikuphatikiza dziko lonse lamakampani kapena zopereka zandalama zomwe zingapezeke kwa inu.
Ndife odziyimira pawokha, ntchito zofananira zothandizidwa ndi zotsatsa. Cholinga chathu ndi kukuthandizani kuti mupange zisankho zanzeru zachuma popereka zida zolumikizirana ndi zowerengera zachuma, kusindikiza zomwe zili zoyambira komanso zolinga, ndikukulolani kuchita kafukufuku ndikuyerekeza zambiri kwaulere, kuti mutha kupanga zosankha zachuma molimba mtima.
renti yanyumba
Chimodzi mwa zisankho zofunika kwambiri zomwe aliyense angapange pa moyo wake ndi kugula nyumba. Ogula nyumba ena angadabwe ngati chosankha chawo chogula nyumba chiri cholondola kwa iwo, popeza kuti munthu wamba amasintha malingaliro awo ponena za chosankha chawo zaka zisanu kapena zisanu ndi ziŵiri 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 ndizochitika zabwino; 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.
Calculator yobwereketsa kapena kugula ku Netherlands
Bokosi 1/2 ndi Box 3 la ndalama zobwereketsa nyumba Eni nyumba omwe ali ndi ngongole amakhoma msonkho m'bokosi 1, pamene ndalama zogulitsa nyumba zimaperekedwa mu bokosi 3. Ku Netherlands palibe msonkho pa phindu lalikulu. Choncho, ndalama zobwereketsa sizili ndi msonkho ngati katunduyo ali mu bokosi la 3. Ngati mutagula malo ngati BV yogulitsa nyumba, zinthu zimasintha: mwachitsanzo, msonkho pa phindu lalikulu, popeza limakhala gawo la phindu la BV.
Momwe mungalimbitsirenso ngongole yobwereketsa ku nyumba yobwereketsa kubwereketsa? Tiyerekeze kuti munatenga ngongole yanyumba nthawi yapitayo. Tsopano akukonzekera kusamuka ku Netherlands ndipo akufuna kuchita lendi malo ake. Wobwereketsa wanu wanyumba samapereka zinthu zogulira, choncho muyenera kusintha wobwereketsa nyumba yanu.Zindikirani: Si onse omwe amabwereketsa nyumba omwe amapereka malonda ku Netherlands. Obwereketsa ochepa okha, monga NIBC, Nationale Nederlanden kapena Dynamic Credit, omwe amapereka ngongole zogulira. Kuti mudziwe zambiri, chonde titumizireni.
Mwachitsanzo, kuchuluka kwa ngongole yanu ndi ma euro 400.000. Chiwongola dzanja chokhazikika kwa zaka khumi ndi 1,70%. Mumaswa pangano ndi banki yomwe ilipo patatha zaka zisanu ndi ziwiri. Muli ndi zaka zitatu zoti mulipire. Chilango chanu chidzakhala kuchuluka kwa chiwongoladzanja chazaka zitatu kuchotsera zomwe muli nazo pakali pano.
Kodi mumaloledwa kubwereka nyumba yanu?
Kubwereka nyumba yanu kungakhale njira yabwino ngati mukufuna kugula ina. Kusankha kubwereka nyumba yanu yoyambirira kungapangitse ndalama zowonjezera zomwe bajeti yanu yakhala ikuyembekezera. Ndiye ngati mukuganiza momwe mungabwereke nyumba yanu ndikugula ina, mwafika pamalo oyenera.
"Kukhala mwininyumba kungakhale koopsa ngati simunachitepo," akutero Phil Peterson, woyang'anira broker ku RE/MAX ku Schaumburg, Illinois. "Zowonadi, kubwereka nyumba yanu kuli ndi zabwino ndi zoyipa zake. Ndadutsamo zimenezo. Koma panthawiyo, sindinkadziwa za zovuta zonsezo. "
Pali njira zingapo zopezera ndalama panyumba yachiwiri. Choyamba, mutha kugwiritsa ntchito ndalamazo nthawi zonse kugula nyumba yachiwiri. Koma ngati mulibe ndalama kubanki, sizikutanthauza kuti simungagule nyumba yachiwiri.
Njira ina ndi kubwereketsa ndalama kapena ngongole yanyumba kapena HELOC panyumba yanu yamakono kuti mulipirire zolipirira nyumba yanu yatsopano. Iyi ikhoza kukhala njira yabwino, koma dziwani kuti izi zidzachepetsa ndalama zanu m'nyumba mwanu. Komanso, ngati nyumba yanu yamakono ikadali yobwereketsa, mudzayenera kulipira ngongole yachiwiri pamwezi.
