Kodi ngongole yanyumba imawononga ndalama zingati ndi malipiro a 80.000 euros
Avant Money, wobwereketsa wa ku Spain, adalengeza Lolemba lapitalo kuti tsopano akupereka chiwongola dzanja mpaka 1,95 peresenti ku Ireland. Izi zitha kuyambitsa nkhondo yamitengo pakati pa obwereketsa aku Ireland. M'malo mwake, tsiku lomwe Avant Money idakhazikitsanso ngongole zake zanyumba pano, AIB idachitapo kanthu ndikudula mitengo yake yanyumba.
Malinga ndi a Michael Dowling, CEO wa Dowling Financial, mabanki ena akupitilizabe kubweza ngongole, kutanthauza kuti mutha kubwereketsa ndi ndalama zochepa kuposa momwe zimaloledwa. "Komabe, kufunikira kwa kukhululukidwa kwa ngongole ndi mtengo wotsika," akutero Dowling.
Ngati mukufuna kupeza chiwongolero cha ngongole (pamene mutha kubwereka ndalama zochulukirapo katatu ndi theka), muyenera kuyembekezera mpaka chaka chamawa kuti mutenge ngongole yanu, ngakhale izi zidzadalira ngati mabanki ndi okonzeka kukhululukidwa panthawiyo.
"Mabanki akuyesetsabe kukonza zochotsera zomwe adapereka kumayambiriro kwa chaka," akufotokoza Dowling. “Mabanki anali atapereka kale ngongole popanda kukhululukidwa mu Marichi; kaŵirikaŵiri izi zingatenge miyezi isanu ndi umodzi kapena isanu ndi inayi kuti zitsekeke [ngati zitero].”
Ndi ngongole yanji yomwe ndingapeze pa £500 pamwezi
Ngakhale mutakhala ndi ndalama zolipirira malowo patsogolo, lingakhale lingaliro labwino kupeza ngongole yanyumba. Mwachitsanzo, kupeza ngongole yobwereketsa kungathe kumasula ndalama zomwe mungaike kuzinthu zina zogulitsa nyumba.
Chiwongola dzanja ndi chomwe wobwereketsa amakulipirani pa ngongoleyo. Zina zingaphatikizepo inshuwaransi ya eni nyumba ndi misonkho. Mwa kuyankhula kwina, malipiro anu a mwezi uliwonse a ngongole ayenera kuwoneka motere:
Sikuti ngongole zonse zanyumba ndizofanana. Mitundu ya ngongole zanyumba imasiyana malinga ndi kutalika kwa nthawi yobweza ngongole komanso chiwongola dzanja cha nthawi iliyonse yolipira. Mitundu yodziwika bwino ya ngongole zanyumba ndi ngongole zanyumba zazaka 15 ndi zaka 30, kutanthauza kuti wobwereka ali ndi zaka 15 kapena 30 kuti abweze ngongoleyo motsatana. Ngongole zina zimakhala zaka 5 zokha, pomwe zina zimatha mpaka zaka 40.
Ndi chiwongola dzanja chokhazikika, wobwereka amavomera kulipira chiwongola dzanja cha moyo wonse wa ngongoleyo. Mungongole yokhazikika, chiwongola dzanja ndi wotsogolera pamwezi amakhalabe yemweyo nthawi yonse ya ngongoleyo. Ngakhale kuti chiwongola dzanja cha msika chimakwera, malipiro a mwezi uliwonse sasintha. Ngongole zokhazikika zazaka 15 ndi 30 mwina ndi mitundu yodziwika bwino ya ngongole zanyumba.
calculator ya ngongole
Chowerengera chobwereketsachi chidzakupatsani chiŵerengero cha kuchuluka kwa kubwereka kwanu. Makina owerengera amakulolani kuti muwonjezere mapangano ena azandalama kuti muwone kuthekera kwangongole iliyonse. Chowerengerachi chimagwiritsa ntchito zinthu zingapo kuyerekeza malire anu a ngongole yanyumba. Ziwerengerozi sizinakhazikitsidwe mwamwala, chifukwa onse obwereketsa amagwiritsa ntchito zinthu zingapo kuti ayese kukongola kwanu. Alangizi athu adzakudziwitsani zambiri komanso zambiri za momwe malire a ngongole amasiyanirana ndi omwe akubwereketsa. Gwiritsani ntchito chowerengera chathu kuti ndingabwereke zingati
Chowerengera chobwereketsa ichi mwina ndichotsogola kwambiri ku Ireland. Fananizani mitengo kuchokera kwa obwereketsa angapo kuti mupeze zosankha zabwino kwambiri malinga ndi zosowa zanu. Zotsogola zimakulolani kuti musankhe kuchokera ku mitundu yosiyanasiyana ya ngongole zanyumba kapena kwa obwereketsa enieni ndikusankha zotsatira zanu motengera njira zosiyanasiyana monga: mtengo wotsika kwambiri, malipiro otsika kwambiri. Muthanso kupsinjika ndikuyesa kubwereketsa kwanu ndikuwona zotsatira zakuwonjezera malipiro anu pogwiritsa ntchito njira yolipirira. Gwiritsani ntchito calculator yathu yobwereketsa ngongole
Kuwerengera ku UK mortgage
APR yangongole yaku banki ndi Percentage Rate, yomwe imadziwikanso kuti Effective Annual Rate. Ndi mawu omwe amagwiritsidwa ntchito kwambiri pazachuma. Zimatanthauzidwa ndi fomula yokhala ndi zosintha zotsatirazi:
Ana akufunsa banki yake ngongole ya mayuro 100.000. Monga mwayi wampikisano, banki imakupatsirani ngongole ndi APR ya 1,5%. Ndalama zonse zangongole ya Ana ndi ma euro 101.500, ndiye kuti ma euro 1.500 ndi APR yomwe ayenera kulipira ngongoleyo.
Mosiyana ndi APR, TIN imapatula zinthu zina zofunika kwa kasitomala, monga ma komisheni ndi nthawi kapena nthawi ya ngongole. Mwanjira ina, TIN imangoyimira kuchuluka kwa ndalama zomwe muyenera kulipira kubanki pachiwongola dzanja pa ngongoleyo.
