Kodi obwereketsa nyumba amapeza bwanji ndalama?
Musanagule nyumba, muyenera kusankha amene mungagwire naye ntchito panthawi yogula. Izi zimayamba ndi wogulitsa nyumba, ngakhale woyang'anira ngongole yanyumba akhoza kukhala wofunikira kwambiri. Atha kukulangizani pakubweza ndalama kapena ngongole zanyumba ngati muli ndi nyumba yanu kale. Katswiri wazachuma atha kukuthandizaninso kusintha dongosolo lanu lazachuma kuti likwaniritse zosowa zanu zangongole. Mulimonsemo, mukakhala ndi katswiri wa ngongole yemwe mungamukhulupirire, mudzakhala ndi munthu ameneyo kwa zaka zikubwerazi, mosasamala kanthu za kampani yomwe mumagwira ntchito.
Mabanki ogwira ntchito zonse amadziwika kuti mabungwe azachuma a federally chartered. Amapereka ngongole zanyumba limodzi ndi zinthu zina zamabanki, monga maakaunti owerengera ndi kusunga ndalama komanso ngongole zamalonda ndi zamabizinesi. Ambiri amaperekanso malonda ndi inshuwaransi. Ngongole zanyumba ndi gawo limodzi chabe la bizinesi yawo. Federal Deposit Insurance Company (FDIC) imayang'anira ndikuwunika mabanki omwe amagwira ntchito zonse.
Kumbali inayi, mayiko pawokha amawongolera makampani obwereketsa nyumba. Malamulowa alinso okhwima kwambiri. Komanso, kugwiritsa ntchito kampani yobwereketsa kumatanthauza kuti simungathe kuphatikiza maakaunti anu onse azachuma kukhala bungwe limodzi. Komabe, izi sizingakhale cholepheretsa anthu ena.
Momwe obwereketsa amapangira ndalama pa ngongole
Ndife ntchito yofananira yodziyimira payokha, yothandizidwa ndi zotsatsa. Cholinga chathu ndi kukuthandizani kupanga zisankho zanzeru zachuma popereka zida zolumikizirana ndi zowerengera zachuma, kusindikiza zolemba zoyambirira komanso zopanda tsankho, ndikukulolani kuti muchite 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?
Palibe kukula komwe kumakwanira zonse zikafika kunyumba yabwino, zomwezo zimapitanso ku ngongole yanu. Mabanki athu obwereketsa adzagwira ntchito limodzi nanu kuti mumvetsetse momwe mulili mwapadera ndikuthandizira banja lanu kupeza nyumba yatsopano.
Kugula nyumba sizinthu zazing'ono, ndipo ndondomekoyi ikhoza kukhala yosiyana ndi banja ndi banja. Kaya muli panokha kapena pa intaneti, mabanki obwereketsa ali pano kuti akuthandizeni kusamalira zambiri - zazikulu ndi zazing'ono - kuti mutha kuyang'ana kwambiri kukondwerera nthawi zomwe zili zofunika kwambiri.
Choyamba, timapanga akaunti yapaintaneti pang'onopang'ono. Tidasintha zidziwitso zathu zonse, kuwonjezera zambiri za malowo, ndipo tidatha kulumikizana nthawi iliyonse kuti tiwone momwe ntchito yathu ilili.
Ndi ngongole yanyumba, wobwereka - kapena wogula nyumba - amavomereza kulipira wobwereketsa pa nthawi yoikika ndi chiwongoladzanja. Nthawi ya nthawi, yotchedwa nthawi yobwereketsa ngongole, imatha kuyambira zaka zingapo mpaka makumi angapo. Nthawi yobwereketsa kwambiri ndi zaka 30.
Anthu ambiri alibe ndalama zokwanira zogulira nyumba nthawi imodzi, kotero kuti ngongole zanyumba zimakonzedwa kuti zilipidwe pakapita nthawi. Pogwiritsa ntchito ndondomeko yochepetsera ndalama, obwereketsa amagawaniza ngongoleyo ndi chiwongoladzanja chomwe amayembekezeredwa m'njira zingapo zomwe amalipira pamwezi. Gawo la ngongole iliyonse yobwereketsa imapita kwa wamkulu - ndalama zoyambirira za ngongole - ndipo gawo lina limapita ku chiwongola dzanja. Kutengera ngongole, zolipira pamwezizi zitha kuphatikizanso msonkho wanyumba ndi inshuwaransi yanyumba.
Momwe Ma Broker Anyumba Amapangira Ndalama Ndi Refinancing
Popeza obwereketsa amagwiritsa ntchito ndalama zawo akamawonjezera ngongole zanyumba, nthawi zambiri amalipira chindapusa cha 0,5% mpaka 1% ya mtengo wangongole, womwe umalipiridwa ndi ngongole zanyumba. Komitiyi imawonjezera chiwongola dzanja chapadziko lonse lapansi - chomwe chimatchedwanso kuti pachaka (APR) - pa ngongole yanyumba ndi mtengo wonse wanyumba. APR ndi chiwongoladzanja cha chiwongoladzanja cha ngongole kuphatikizapo ndalama zina.
Mwachitsanzo, ngongole ya madola 200.000 yokhala ndi chiwongola dzanja cha 4% pazaka 30 ili ndi 2%. Chifukwa chake, ndalama zoyambira za wogula nyumba ndi $4.000. Ngati mwininyumba asankha kulipirira chindapusa choyambira limodzi ndi ndalama zangongole, izi zidzakulitsa chiwongola dzanja chawo, chowerengedwa ngati APR.
Obwereketsa nyumba amagwiritsa ntchito ndalama kuchokera kwa omwe amawasungira kapena kubwereka ndalama kumabanki akuluakulu ndi chiwongola dzanja chochepa kuti apange ngongole. Kusiyana pakati pa chiwongoladzanja chomwe wobwereketsa amalipiritsa eni nyumba kuti awonjezere ngongole yanyumba ndipo mtengo womwe wobwereketsa amalipira kuti abwezere ndalama zomwe wabwereketsa ndi Yield Spread Premium (YSP). Mwachitsanzo, wobwereketsa amabwereka ndalama pa chiwongoladzanja cha 4% ndikuwonjezera chiwongola dzanja pa chiwongola dzanja cha 6%, ndikupeza chiwongola dzanja cha 2% pa ngongoleyo.
