Ngongole ya FHA
Ngati mukuganiza zogula nyumba, mungakhale mukuganiza kuti mungafunike ndalama zingati kuti muthe kulipira. Izi ndi zomwe muyenera kudziwa zokhudza kubweza ndalama kuti zikuthandizeni kusankha zomwe zili zoyenera pazochitika zanu.
Lingaliro la kubweza 20% kungapangitse kugula nyumba kumawoneka ngati kosatheka, koma nkhani yabwino ndiyakuti ochepa omwe amabwereketsa amafunabe 20% potseka. Izi zati, zingakhale zomveka kulipira 20% yonse yamtengo wogulira nyumbayo ngati n'kotheka.
Kukwera kwa malipiro, kumachepetsa chiopsezo cha obwereketsa. Ngati mutha kutsitsa 20% ya ngongole yobwereketsa pakutseka, mutha kupeza chiwongola dzanja chochepa. Chiwongola dzanja chotsika ndi mfundo imodzi kapena ziwiri zimatha kukupulumutsirani masauzande a madola panthawi yobwereketsa.
Mukamalipira ndalama zambiri, mumabwereka ndalama zochepa pa ngongole yanu yanyumba. Mukangobwereka pang'ono, m'pamenenso ndalama zomwe mumalipira pamwezi zimatsika. Izi zimapangitsa kukhala kosavuta kupanga bajeti yokonza kapena ndalama zina zilizonse zomwe mumawononga mwezi uliwonse.
Ogulitsa nyumba nthawi zambiri amakonda kugwira ntchito ndi ogula omwe ali ndi malipiro osachepera 20%. Kulipira kotsika kumatanthauza kuti ndalama zanu zitha kukhala bwino, kotero mutha kukhala ndi zovuta zochepa kupeza wobwereketsa nyumba. Izi zitha kukupatsani mwayi kuposa ogula ena, makamaka ngati nyumba yomwe mukufuna ili pamsika wotentha.
Chiwongola dzanja cha ngongole
Ndalama zomwe muyenera kulipira panyumba zimatengera pulogalamu yanu ya ngongole yanyumba. Zofunikira zolipirira zotsika zimayambira 3% mpaka 20%. Mutha kubweza pang'ono kapena kuyika zambiri kuti muchepetse ngongoleyo ndikulipira pamwezi.
Komabe, mudzafunika kubweza 20% kuti mupewe inshuwaransi yanyumba yachinsinsi (PMI) pangongole wamba. Ogula ambiri amafuna kupewa PMI chifukwa imawonjezera malipiro awo a mwezi uliwonse. 20% pansi ndi $50.000 panyumba ya $250.000.
"Madera ena ali ndi malamulo awo a PMI," atero a Jon Meyer, katswiri wobwereketsa ku The Mortgage Reports komanso MLO yemwe ali ndi chilolezo. "Mwachitsanzo, ku California, simungakhale ndi inshuwaransi yanyumba yachinsinsi pomwe wobwereka ali ndi chiŵerengero chapamwamba cha ngongole ndi mtengo."
Komabe, kumbukirani kuti zofunika izi ndizochepa chabe. Monga wobwereketsa nyumba, muli ndi ufulu kuyika ndalama zilizonse zomwe mukufuna panyumba. Ndipo nthawi zina, zingakhale zomveka kupereka chindapusa choyambirira kuposa chofunikira.
Mwachitsanzo: Ngati muli ndi ndalama zambiri muakaunti yanu yosungira, koma ndalama zocheperako, kupanga malipiro ocheperako kungakhale lingaliro labwino. Izi zili choncho chifukwa kubweza ndalama zambiri kumachepetsa kuchuluka kwa ngongoleyo komanso kubweza ngongole pamwezi.
ngongole yakunyumba
Kugula nyumba ndi ngongole nthawi zambiri ndiko ndalama zomwe anthu ambiri amapanga. Ndalama zomwe mungabwereke zimatengera zinthu zingapo, osati kuchuluka kwa banki yomwe ikufuna kukukongozani. Muyenera kuwunika osati ndalama zanu zokha, komanso zomwe mumakonda komanso zomwe mumakonda.
Nthawi zambiri, eni nyumba ambiri omwe akuyembekezeka kukwanitsa kulipirira nyumba ndi chiwongola dzanja kuwirikiza kawiri kapena kawiri ndi theka ndalama zonse zomwe amapeza pachaka. Malinga ndi ndondomekoyi, munthu amene amapeza ndalama zokwana madola 100.000 pachaka angakwanitse kugula ngongole yapakati pa $200.000 ndi $250.000. Komabe, kuwerengera uku ndi chitsogozo chokha.
Pamapeto pake, posankha malo, zinthu zingapo zowonjezera ziyenera kuganiziridwa. Choyamba, zimathandiza kudziwa zomwe wobwereketsa akuganiza kuti mungakwanitse (ndi momwe adafikira pakuyerekeza). Chachiwiri, muyenera kudzifufuza nokha ndikupeza kuti ndi nyumba yanji yomwe mukufuna kukhalamo ngati mukufuna kutero kwa nthawi yayitali komanso mitundu ina yazinthu zomwe mungafune kusiya - kapena ayi- kukhalamo. kwanu.
Dongosolo Lolipilira Pansi
Ngati simungakwanitse kugula nyumba ndi ndalama, muli pagulu labwino. Mu 2019, 86% ya ogula nyumba adagwiritsa ntchito ngongole kuti atseke mgwirizano, malinga ndi National Association of Realtors. Pamene muli wamng'ono, ndipamene mungafunikire kubwereketsa nyumba kuti mugule nyumba - ndipo mungadzifunse kuti, "Kodi ndingagule nyumba yochuluka bwanji?" popeza simunadutsebe.
Ndalama ndizomwe zimawonekera kwambiri pa kuchuluka kwa nyumba yomwe mungakwanitse: Mukapeza ndalama zambiri, nyumba yomwe mungakwanitse kugula, sichoncho? Inde, mochuluka kapena mocheperapo; zimatengera gawo la ndalama zanu zomwe zaperekedwa kale ndi ngongole.
Mwina mukulipira ngongole yagalimoto, kirediti kadi, ngongole yaumwini, kapena ngongole ya ophunzira. Pang'ono ndi pang'ono, obwereketsa adzawonjezera ngongole zonse za mwezi uliwonse zomwe mudzapanga m'miyezi 10 yotsatira kapena kuposerapo. Nthawi zina, amaphatikizanso ngongole zomwe mumangolipira kwa miyezi ingapo ngati malipirowo amakhudza kwambiri malipiro a mwezi uliwonse omwe mungakwanitse.
Nanga bwanji ngati muli ndi ngongole ya ophunzira yomwe simukulipira kapena kusalipira? Ogula nyumba ambiri amadabwa kumva kuti obwereketsa amapangitsa kuti mudzalipirire ngongole za ophunzira zam'tsogolo ndikulipira ngongole zanu pamwezi. Kupatula apo, kuchedwetsa ndi kuleza mtima zimangopatsa wobwereka kuchedwetsa kwakanthawi kochepa, kofupikitsa kwambiri kuposa nthawi ya ngongole yawo.
