Zolinga za Mtengo Wanyumba ku Canada
Zomwe zilipo panopa za mgwirizano wanu wobwereketsa nyumba sizingagwirizane ndi zosowa zanu. Ngati mukufuna kusintha nthawi yanu isanathe, mutha kukambirananso mgwirizano wanu wanyumba. Izi zimatchedwanso kuswa mgwirizano wanyumba.
Ena obwereketsa ngongole akhoza kukulolani kuti muwonjezere kutalika kwa ngongole yanu nthawiyo isanathe. Ngati mutasankha izi, simudzayenera kulipira chilango cholipiriratu. Obwereketsa amatcha izi "kusakaniza ndi kukulitsa" chifukwa chiwongoladzanja chakale ndi chiwongoladzanja chatsopano zimasakanikirana. Mutha kulipira chindapusa choyang'anira.
Wobwereketsa wanu ayenera kukuuzani momwe amawerengera chiwongoladzanja chanu. Kuti mupeze njira yokonzanso yomwe ikugwirizana ndi zosowa zanu, lingalirani zonse zomwe zikukhudzidwa. Izi zikuphatikiza zilango zilizonse zolipiriratu ndi zolipiritsa zina zomwe zingakhalepo.
Njira yowerengetsera chiwongoladzanja chosakanizidwa ndi yosavuta kuchitira mafanizo. Sizikuphatikizapo zilango zolipiriratu. Wobwereketsa wanu akhoza kuphatikiza chiwongola dzanja cholipiriratu ndi chiwongola dzanja chatsopano kapena kukupemphani kuti mulipire mukakambirananso zangongole yanu.
Sinthani mtengo wosinthika kukhala wokhazikika
Popeza chiwongola dzanja ndi chofanana, mudzadziwa nthawi zonse mukalipira ngongole yanyumba Ndizosavuta kumvetsetsa kuposa kubweza ngongole yanyumba Mudzakhala otsimikiza kuti mukudziwa momwe mungapangire bajeti yolipira ngongole yanu Chiwongola dzanja choyambirira chimakhala chotsika kuposa A. Kuchepetsa kubweza kungakuthandizeni kupeza ngongole yokulirapo Ngati chiwongola dzanja chanu chikutsika ndipo chiwongola dzanja chanu chikutsika, zobweza zanu zambiri zidzapita kwa wamkulu Mutha kusinthira ku ngongole yanyumba yokhazikika nthawi iliyonse.
Chiwongola dzanja choyambirira chimakhala chokwera kuposa chiwongola dzanja chosinthika. Chiwongola dzanja chimakhalabe chokhazikika panthawi yonse ya ngongole yanyumba. Mukathyola ngongole yanyumba pazifukwa zilizonse, zilangozo zitha kukhala zazikulu kuposa kubwereketsa kosinthika.
Ngongole yokhazikika
Kusiyanitsa pakati pa kubwereketsa kwamtengo wokhazikika ndi kusintha kwa ndalama zogulira ndi kuti, pazochitika zokhazikika, chiwongoladzanja chimayikidwa pa nthawi yomwe ngongole ikuchotsedwa ndipo sichidzasintha. Pokhala ndi chiwongola dzanja chosinthika, chiwongola dzanja chikhoza kukwera kapena kutsika.
Ngongole zambiri zosinthika zimayamba ndi chiwongola dzanja chochepa kuposa chiwongola dzanja chokhazikika. Mtengo woyambawu ukhoza kukhalabe womwewo kwa miyezi, chaka, kapena zaka zingapo. Nthawi yoyambilira ikatha, chiwongola dzanja chanu chidzasintha ndipo ndalama zomwe mumalipira zitha kukwera. Mbali ina ya chiwongoladzanja chomwe mumalipira chidzalumikizidwa ndi chiwongola dzanja chambiri, chotchedwa index. Malipiro anu amakwera pamene chiwongoladzanjachi chikuwonjezeka. Chiwongola dzanja chikatsika, nthawi zina malipiro amatha kutsika, koma sizili choncho ndi ma ARM onse. Ma ARM ena amaika chiwongola dzanja pakukweza chiwongola dzanja. Ma ARM ena amachepetsanso chiwongola dzanja. Musanatenge ngongole yobwereketsa, dziwani izi: Langizo: Musaganize kuti mudzatha kugulitsa nyumba yanu kapena kubweza ngongole yanu chiwongoladzanja chisanasinthe. Mtengo wa katundu wanu ukhoza kutsika kapena chuma chanu chikhoza kusintha. Ngati simungakwanitse kulipira ndalama zambiri zomwe mumapeza panopa, mungafune kuganiziranso zangongole ina.Ngati mukugula ngongole yanyumba, pitani ku Buying a Home, zida zathu zogulira nyumba ndi zothandizira. Ngati muli ndi ngongole yanyumba, gwiritsani ntchito mndandandawu kuti muwone zomwe mungachite kuti mupindule kwambiri ndi ngongole yanu yanyumba.
Kodi ndizovomerezeka kusintha ngongole yanyumba kukhala yokhazikika popanda chilolezo? za mphindi
Kodi ndi liti pamene muyenera kukonza kusintha kwanu mu ngongole yobwereketsa? Ngati mukugula nyumba chaka chino, ndi njira iti yomwe ingakupulumutseni ndalama zambiri? Ngati mumvetsetsa kusiyana kwachibadwa pakati pa mitengo yokhazikika ndi yosinthika, kusokonezeka kotsatiraku kudzakuthandizani kupanga chisankho chabwino kwambiri.
Refinancing: Anthu amafunikira ndalama pazochitika zadzidzidzi, kuphatikizira ngongole, kapena mwayi wopeza ndalama ndipo amafunika kuti apeze ndalamazo m'nyumba zawo. Pokhapokha ngati ngongole yanu ili ndi ngongole yanyumba (HELOC), muyenera kuswa ngongole.
Mitengo yotsika: Anthu omwe adalandira ngongole zanyumba mu 2018 anali ndi mitengo yopitilira 3% ndipo mwadzidzidzi amawona mitengo yomweyi ikutsika 50% mu 2020, kodi mungafune kupitiliza kulipira kawiri zomwe zili pamsika? Kusinthira ku mtengo wotsika wamtsogolo ndi wobwereketsa yemweyo kapena kwina kumatanthauza kuswa ngongole yanyumba.
Kutengera zomwe zili pamwambazi, obwereka omwe amavomereza kuti atha kuchita zilizonse zomwe zili pamwambazi mkati mwa nthawi yawo nthawi zambiri amakhala ndi chiwongola dzanja chosinthika ngakhale chikukwera bwanji. Mmodzi mwa makasitomala anga adapatsidwa ndalama zokwana madola 129.000 poyesa kusintha kuchokera ku 3% kufika pa 1,20%; kungoti ndinatsekerezedwa.
