Ubwino ndi kuipa kwa mortgage broker motsutsana ndi banki
Ndife ntchito yofananira yodziyimira payokha, yothandizidwa 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.
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.
Kodi ndiyenera kutenga ngongole ku banki yanga?
Ndiye mwaganiza kuti mukufuna kugula nyumba. Mwinamwake mwayesa kulankhulana ndi wogulitsa nyumba, yemwe mwinamwake anakuuzani kuti mubwerere pamene "mwavomerezedwa kale." Nthawi yomweyo, funso limabuka: "Kodi ndingayambe bwanji njira yopezera ngongole yanyumba?".
Ngati ndinu ogula koyamba, njira yobwereketsa nyumba ikhoza kukhala yosokoneza komanso yosadziwika bwino. Mutha kukhala mukuganiza kuti, "Kodi ngongole yanga ndi yokwanira kuti ndiyenerere ngongole? Kodi pamafunika nthawi yochuluka bwanji? Ndiyambira pati?"
Gawo loyamba lomwe timalimbikitsa kwa aliyense wogula nyumba ndikulandira chivomerezo cha chiwongola dzanja. Lingaliro la kuvomereza chisanadze ndi losavuta: Musanayang'ane zomwe zili pamsika, onetsetsani kuti mukudziwa kuchuluka kwa wobwereketsa angakubwerekeni.
Monga momwe mwawonera kale, popanda chilolezo choyambirira, ogulitsa nyumba sakhala ndi nthawi yambiri yamtengo wapatali ndi inu (makamaka pamsika wogulitsa). Amagwira ntchito ndipo sangakutengereni mozama - komanso ogulitsa - mpaka mutawawonetsa kalata yovomerezeka. Kuti mudziwe zambiri, werengani za ndondomeko yathu yotsimikiziridwa yovomerezeka Pano.
Zomwe mabanki sakufuna kuti mudziwe za ngongole zanyumba
Tiyeni tiyambe ndi kuona zinthu zazikulu zomwe obwereketsa amaziganizira posankha ngati mukuyenerera kubwereketsa kapena ayi. Ndalama, ngongole, ngongole, katundu, ndi mtundu wa katundu zimathandizira kuti munthu avomerezedwe kubwereketsa nyumba.
Chimodzi mwazinthu zoyamba zomwe obwereketsa amaganizira akamawunikanso pempho lanu la ngongole ndi ndalama zomwe banja lanu limapeza. Palibe ndalama zochepa zomwe muyenera kupeza kuti mugule nyumba. Komabe, wobwereketsayo ayenera kudziwa kuti muli ndi ndalama zokwanira kulipira ngongole yanyumba komanso ngongole zanu zina.
Obwereketsa ayenera kudziwa kuti ndalama zanu ndizokhazikika. Nthawi zambiri sangaganizire za njira zopezera ndalama pokhapokha ngati zikuyembekezeka kupitilira zaka zina ziwiri. Mwachitsanzo, ngati ndalama zothandizira ana zimatha m'miyezi isanu ndi umodzi, wobwereketsa mwina sangawaganizire kuti ndi ndalama.
Mtundu wa malo omwe mukufuna kugula ukhudzanso kuthekera kwanu kopeza ngongole. Malo osavuta kugula ndi nyumba yoyamba. Mukagula nyumba yoyamba, mumagula nyumba yomwe mukufuna kukhalamo kwa zaka zambiri.
Ndi banki iti yomwe ndiyenera kubwereketsa nyumba?
Ngati pempho lanu la chiwongola dzanja likanidwa, pali zinthu zingapo zomwe mungachite kuti mukhale ndi mwayi wovomerezedwa nthawi ina. Osafulumira kupita kwa wobwereketsa wina, chifukwa pulogalamu iliyonse imatha kuwonekera pa fayilo yanu yangongole.
Ngongole zilizonse zamasiku olipira zomwe mudakhala nazo m'zaka zisanu ndi chimodzi zapitazi zidzawonekera pa mbiri yanu, ngakhale mutalipira pa nthawi yake. Zitha kukhala zotsutsana ndi inu, popeza obwereketsa angaganize kuti simungathe kulipira ngongole yokhala ndi ngongole.
Obwereketsa sali angwiro. Ambiri aiwo amalowetsa deta yanu yofunsira mu kompyuta, kotero ndizotheka kuti chiwongola dzanjacho sichinaperekedwe chifukwa cha zolakwika mu fayilo yanu yangongole. Wobwereketsa sangathe kukupatsani chifukwa chenicheni chakulepherera kufunsira ngongole, kusiyapo chifukwa chokhudzana ndi fayilo yanu yangongole.
Obwereketsa ali ndi njira zosiyanasiyana zolembera ndipo amaganizira zinthu zingapo poyesa kubwereketsa kwanu. Zitha kutengera zaka, ndalama, ntchito, chiŵerengero cha ngongole ndi mtengo, ndi malo omwe ali ndi katundu.
