Kodi ndingakanidwe ngongole yanyumba ngati ndiwononga ndalama zambiri?

Kodi chimachitika ndi chiyani ngati inshuwaransi ikukana ngongole?

Chotsatira Chotsatira: Unikaninso Malipoti Anu Ngati mwakanizidwa kubwereketsa kutengera zomwe zili mu lipoti lanu langongole, muli ndi ufulu wolandira kopi yaulere kuti mutsimikizire kuti lipotilo ndi lolondola. Kupyolera mu Epulo 2021, ogula atha kupeza lipoti laulere la lipoti lawo langongole sabata iliyonse kuchokera ku mabungwe akuluakulu atatu angongole pogwiritsa ntchito AnnualCreditReport.com. makalata. Ngati uthenga wolakwika pa lipoti lanu ndi wolondola, ndi nthawi yokhayo yomwe idzachotsedwe. Zinthu zambiri zoipa zidzakhala pa lipoti lanu la ngongole kwa zaka zisanu ndi ziwiri, kuphatikizapo kulipira mochedwa, kutsekedwa, kapena kubwezeredwa kwa Mutu 13. Ngati mwakanidwa ngongole chifukwa mulibe mbiri yokwanira ya ngongole, chitanipo kanthu kuti mupange mbiri yanu ya ngongole. Zosankha ziwiri ndikupeza kirediti kadi yotetezedwa kapena kulipira renti panthawi yake komanso zolipirira zofunikira zomwe zimakambidwa ku mabungwe angongole.

Ngongole yanyumba idakanidwa potseka

Zoperekazo zikavomerezedwa, zitha kuwoneka ngati palibe chomwe chikukulepheretsani, koma pali vuto limodzi lomaliza lomwe muyenera kulithetsa lisanathe. Imatchedwa ndondomeko yolembera, ndipo imathandiza kudziwa ngati pempho lanu la ngongole - ndi mwayi wanu wogula nyumba yomwe mukufuna - idzalandiridwa kapena kukanidwa.

Ndondomeko yolembera imachitika pamene wobwereketsa akutsimikizira ndalama zanu, katundu, ngongole, ngongole, ndi katundu. Chidziwitsochi ndi chofunikira kuti muwonetsetse kuti muli pamalo abwino oti muthe kutenga nawo gawo lazachuma kubwereketsa komanso kuti ndi ndalama zabwino kwa wobwereketsa. Mwachidule, zimathandiza wobwereketsa kuti aone kuopsa kwa kubwereketsa kwa inu.

Wolembayo amawunikanso zolembazi kuti atsimikizire kuti ndalama zanu ndi kukhazikika kwa ntchito yanu, komanso kuthekera kwanu kobweza ngongole, kusunga ndalama zanyumba, komanso kukwanitsa ndalama zotsekera, chindapusa, ndi ngongole yanyumba.

Kuvomerezedwa koyambirira kwa ngongole yanyumba sikutsimikizira kutseka kwamtsogolo ndi chigamulo cha inshuwaransi. Chivomerezo chamtunduwu nthawi zina chimachokera pazidziwitso zomwe mumapereka, ndipo mwina sizingafune kuti mufufuze lipoti lanu langongole kapena ndalama monga momwe mungalembetsere.

Ngongole yanyumba ikanidwa, ndingalembenso liti?

Kukanidwa ndi wobwereketsa nyumba, makamaka pambuyo povomerezedwa kale, kungakhale kokhumudwitsa kwambiri. Komabe, ngati izi zachitika kwa inu, musataye chiyembekezo: pali chifukwa chake, ndipo pali njira zomwe mungatsatire kuti mupewe kukana m'tsogolomu.

Ngati mulibe lipoti lamphamvu langongole, mutha kukanidwa. Njira yoyamba yothetsera vutoli ndikuyamba kupanga mbiri yangongole kuti wobwereketsayo akhale ndi lingaliro la momwe mumayendetsera ngongole ndi ngongole. Amafuna kuona kuti mungabwezere bwino. Kukonza ngongole yanu kudzawonetsa wobwereketsa wanu kuti mukufunitsitsa kugula nyumba komanso kudzakhala kosavuta kufunsira ngongole zina mtsogolo.

Mukhozanso kukanidwa ngongole chifukwa mulibe ndalama zokwanira. Obwereketsa adzawerengera chiŵerengero chanu cha ngongole ndi ndalama (DTI) kuti atsimikizire kuti muli ndi ndalama zokwanira pamwezi zogulira nyumba yanu, kuphatikizapo ngongole ina iliyonse yomwe mungakhale nayo. Ngati DTI yanu ndi yokwera kwambiri kapena ndalama zomwe mumapeza sizokwanira kusonyeza kuti mungathe kulipira mwezi uliwonse, mudzakanidwa.

Kalata yokana ngongole yanyumba

Kugula nyumba yanu yoyamba kungakhale kosangalatsa komanso kochititsa mantha. Osati kokha kuti mupeze malo oyenera, komanso ngongole yoyenera. Chifukwa chakusowa kwazinthu m'misika yambiri yam'deralo komanso mitengo yanyumba ikukwera m'dziko lonselo, kupeza nyumba yotsika mtengo kungakhale kovuta.

Mwina mungakakamizidwe kupeza nyumba nthawi yomweyo, koma musanayambe kukaona nyumba ndi kuyamba kuitanitsa ndalama, ndalama zanu ziyenera kukhala bwino. Izi zikutanthauza kuwonetsetsa kuti mbiri yanu yangongole ndi kuchuluka kwangongole, chiŵerengero cha ngongole ndi ndalama, ndi chithunzi chonse chandalama zidzatsimikizira wobwereketsa kuti ndinu oyenera kubwereka.

Palibe amene amakonda zodabwitsa, makamaka asanagule nyumba. Ngati inu kapena mwamuna kapena mkazi wanu muli ndi vuto la ngongole-monga mbiri ya kubweza mochedwa, kusonkhanitsa ngongole, kapena ngongole yaikulu-obwereketsa ngongole angapereke ndalama zochepetsera (kapena kukana pempho lanu). Iliyonse mwazochitika izi zitha kukhala zokhumudwitsa ndikuchedwetsa nthawi yanu yoyenera.

Kuti muthane ndi zovuta zomwe zingachitike msanga, yang'anani lipoti lanu la ngongole kwaulere chaka chilichonse pa annualcreditreport.com kuchokera ku bungwe lililonse mwamabungwe atatu opereka malipoti angongole: Transunion, Equifax ndi Experian. Yang'anani zolakwika ndikutsutsa zolakwika zilizonse polemba ndi bungwe lopereka malipoti ndi wobwereketsa, kuphatikiza zolemba zokuthandizani kuti mupange mlandu wanu. Kuti muthandizidwe kwambiri, ganizirani kugwiritsa ntchito imodzi mwazinthu zabwino kwambiri zowunikira ngongole.