Kodi ndalama zokonzanso zitha kuwonjezeredwa ku ngongole yanyumba wamba?
Ngakhale kuti anthu ambiri akufunafuna kugula nyumba kuti akonze, kukwera mtengo kwa zida zokonzanso, katundu, ndi ntchito zikutanthauza kuti akuyenera kuwonjezera mtengo wokonzanso ku ngongole yawo. Ndipo nthawi zina eni nyumba amafunikira thandizo lolipira kuti akonzenso kuti nyumba ikhale yabwino kapena kuti ikhale yabwino.
Mawu akuti "renovation mortgage" amatanthauza ngongole yotetezedwa ndi malo kuti akonzenso. Kuchuluka, chiwongola dzanja, nthawi ndi zina zangongole zimatengera mtundu wangongole yokonzanso nyumba yomwe mumapeza.
Chinthu choyamba ndi kusankha zomwe mukufuna kuchita kapena zomwe mukufuna kuchita. Kenako, muyenera kuyerekeza mtengo wanu. Izi zitha kukuthandizani kuchepetsa njira zanu zopezera ndalama zogulira nyumba ndikuwona momwe ngongole yobwerekera nyumba ingakuthandizireni.
Zina mwa njira zopezera ndalama zokonzanso nyumbazi ndizowoneka bwino chifukwa ndizosavuta komanso zachangu kukhazikitsa ndikufikira. Komabe, ngati mukukonzekera ntchito yayikulu yokonzanso, ngongole yobwereketsa nyumba ikhoza kukupatsani zabwino izi:
Kukonzanso kubwereketsa kwa wogula woyamba
Ndife ntchito yofananira yodziyimira payokha, yothandizidwa ndi zotsatsa. Cholinga chathu ndi kukuthandizani kupanga zisankho zanzeru zachuma popereka zida zolumikizirana ndi zowerengera zachuma, kusindikiza zolemba zoyambirira komanso zopanda tsankho, ndikukulolani kuti muchite kafukufuku 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.
Obwereketsa Ngongole Yokonzanso
Ngongole ya FHA 203(k) imapangitsa kuti ntchito yokonzanso nyumba ikhale yosavuta pokulolani kubwereka ndalama zogulira nyumba yanu ndi kukonzanso pogwiritsa ntchito ngongole imodzi. FHA 203(k) ngongole imathandizidwa ndi boma la feduro, ndipo ndi njira yabwino yobwereketsa kwa iwo amene akufuna kugula nyumba ndikukonza, kukonzanso, kukonzanso, kapena kutengera zosowa ndi zomwe akufuna. Ngongole yokonzanso imakupatsani mwayi wokhala m'nyumba mwanu komanso moyandikana, phunzirani zambiri za momwe mungapezere nyumba yamaloto anu!
Ngati mukufuna kugula nyumba yogulitsanso kapena mukufuna kukonza nyumba yanu yamakono, ngongole ya FHA 203 (k) ikhoza kukhala ngongole yabwino kwa inu. Kuphatikiza ndalama zokonzanso ndi ngongole yanu yanyumba ndi ngongole ya FHA 203(k) kumakupatsani ngongole yolipirira kamodzi pakubwereketsa ndi kukonzanso.
Ngakhale malamulo apadera ndi ziletso zikugwira ntchito, 203(k) ngongole zitha kugwiritsidwa ntchito kugula ndi kukonzanso ma condominiums³, magawo awiri kapena anayi⁴, ndi malo osakanikirana, komanso nyumba zokhala ndi banja limodzi ndi nyumba zomwe zakonzedwa.
Kodi ndizotheka kupeza ngongole yanyumba yandalama yokulirapo kuposa yogulayo kuti mukonze zinthu?
Msika wobwereketsa nyumba ndi wopikisana kwambiri ndipo zinthu zimasinthanso. Chifukwa chakuti ngongole yanyumba imakhala ndi zaka 20 mpaka 30 sizikutanthauza kuti iyenera kumangirizidwa ndi wobwereketsa yemweyo panthawiyo.
Kusintha obwereketsa nthawi zambiri kumapereka chiwongola dzanja chabwinoko komanso mawonekedwe ake, koma muyenera kulipira mtengo wakubwezanso. Kukambilana ndi wobwereketsa wanu wamakono ndikuwonjezera ngongole yanu kungakuthandizeni kupewa izi.
Lamulo labwino la kuchuluka kwa ndalama zomwe mungagwiritse ntchito pakukonzanso kwanu ndikuwononga zosaposa 10% ya mtengo wapakati wapakatikati. Gwiritsani ntchito chowerengera chathu chowerengera kuti mudziwe kuchuluka kwa ndalama zomwe mungabwereke.
Ngati mwakhala mukupanga ndalama zowonjezera pa ngongole yanu yanyumba, kugawanso zina mwazolipira zoyambilira kungakuthandizeni kulipirira kukonzanso kwanu. Inde, mudzatha kugwiritsa ntchito ndalama zowonjezera, choncho onetsetsani kuti ndizofunika kwambiri musanagwiritsenso ntchito.
Mtengo wa nyumba ndi kusiyana pakati pa mtengo wa nyumba ndi ndalama zomwe muli nazo pa ngongole. Mwachidule, ndi gawo la nyumba yanu lomwe ndi lanu. Obwereketsa adzakulolani kuti mugwiritse ntchito ndalama zapakhomo monga chikole cha deposit kuti muthe kubwereka ndalama kudzera mu ngongole yanyumba.
