Ngongole zanyumba zosiyanasiyana
Kusiyana pakati pa chiwongola dzanja chokhazikika ndi chiwongola dzanja chosinthika kwenikweni chimakhala kusankha pakati pa ngongole yanyumba yomwe ndalama zomwezo zidzalipidwa nthawi zonse (ngakhale chiwongola dzanja chingakhale chokwera) kapena chiwongola dzanja chosiyana malinga ndi index. zomwe zimagwirizanitsidwa (nthawi zambiri Euribor ya chaka chimodzi).
Ngongole yobwereketsa yokhazikika imasiyanitsidwa ndi ndalama zokhazikika, koma imakhudza kubweza kwa mkuluyo pang'onopang'ono ndipo mutha kulipira chiwongola dzanja chokulirapo kuposa chiwongola dzanja chosinthika. Kukhazikika kwa magawo a mwezi uliwonse ndi kutsimikizika kwathunthu kwa zomwe zidzalipidwe panthawi yonse ya ngongole ndizo maziko a mgwirizano wamtunduwu, womwe sugwirizana ndi kusinthasintha kwa msika.
Ngongole yobwereketsa yokhazikika ndiyoyenera kwambiri kwakanthawi kochepa, osapitilira zaka 20, ngakhale ndizotheka kupeza ngongole zanyumba zokhazikika ndi nthawi yayitali yobweza, mpaka zaka 30. Ngongole yachiwongola dzanja chokhazikika imapereka mwayi wopewa chiopsezo chokwera chiwongola dzanja, motero timaonetsetsa kuti chiwongola dzanjacho chizikhala mwezi uliwonse m'moyo wonse wangongole.
Ngongole zanyumba zosiyanasiyana
Ngongole zanyumba zosinthika nthawi zambiri zimapereka mitengo yotsika komanso kusinthasintha, koma mitengo ikakwera, mutha kulipira zambiri kumapeto kwa nthawiyo. Ngongole zokhazikika zimatha kukhala ndi mitengo yokwera, koma zimabwera ndi chitsimikizo kuti mudzalipira ndalama zomwezo mwezi uliwonse pa nthawi yonseyi.
Nthawi iliyonse yobwereketsa ngongole, imodzi mwazosankha zoyambira ndikusankha pakati pa mitengo yokhazikika kapena yosinthika. Ichi ndi chimodzi mwazosankha zofunika kwambiri zomwe mungapange, chifukwa zingakhudze malipiro anu pamwezi komanso mtengo wangongole yanu pakapita nthawi. Ngakhale zingakhale zokopa kupita ndi mtengo wotsika kwambiri womwe umaperekedwa, sizophweka. Mitundu yonse iwiri ya ngongole zanyumba ili ndi zabwino ndi zoyipa zake, kotero muyenera kumvetsetsa momwe ndalama zanyumba zokhazikika komanso zosinthira zimagwirira ntchito musanapange chisankho.
M'nyumba zobwereketsa zokhazikika, chiwongola dzanja chimakhala chofanana nthawi yonseyi. Zilibe kanthu kuti chiwongola dzanja chikukwera kapena kutsika. Chiwongola dzanja pa ngongole yanu yanyumba sichidzasintha, ndipo mudzalipira zomwezo mwezi uliwonse. Ngongole zanyumba zokhazikika nthawi zambiri zimakhala ndi chiwongola dzanja chokwera kuposa chiwongola dzanja chifukwa zimatsimikizira chiwongola dzanja chosasinthika.
Zitsanzo za mitengo yosinthika komanso yokhazikika
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 imasinthasintha kapena yokhazikika
Posankha ngongole yobwereketsa, musamangoyang'ana magawo a mwezi uliwonse. Ndikofunikira kumvetsetsa kuchuluka kwa chiwongola dzanja chanu chikuwonongerani, nthawi yomwe angakwere, komanso zomwe malipiro anu adzakhale pambuyo pake.
Nthawi imeneyi ikatha, ipita ku standard variable rate (SVR), pokhapokha itabweza ngongole. Mtengo wosinthika ukhoza kukhala wokwera kwambiri kuposa wokhazikika, womwe ukhoza kuwonjezera zambiri pamagawo anu amwezi.
Ngongole zambiri tsopano ndi "zonyamula", kutanthauza kuti zitha kusamutsidwa kupita kumalo atsopano. Komabe, kusunthaku kumawonedwa ngati ntchito yatsopano yobwereketsa ngongole, chifukwa chake muyenera kukwaniritsa macheke a wobwereketsayo ndi njira zina zomwe zivomerezedwe kubwereketsa.
Kunyamula ngongole nthawi zambiri kungatanthauze kusunga ndalama zomwe zilipo pakalipano kapena kuchotsera, kotero muyenera kusankha mgwirizano wina wa ngongole zina zowonjezera, ndipo mgwirizano watsopanowu sungathe kufanana ndi ndondomeko ya mgwirizano womwe ulipo.
Ngati mukudziwa kuti mukuyenera kubweza nthawi yobweza ngongole iliyonse yatsopano, mungafune kuganizira zotsatsa zomwe zili ndi ndalama zochepa kapena osabweza msanga, zomwe zimakupatsani ufulu wogula pakati pa obwereketsa ikafika nthawi. suntha
