Momwe mungapezere ndalama pa ngongole yanyumba
Mawu akuti "ngongole" amatanthauza ngongole yomwe imagwiritsidwa ntchito pogula kapena kukonza nyumba, malo, kapena mitundu ina ya katundu weniweni. Wobwereka amavomera kulipira wobwereketsa pakapita nthawi, nthawi zambiri pamalipiro anthawi zonse omwe amagawidwa kukhala chiwongola dzanja ndi chiwongola dzanja. Malowa amakhala ngati chikole kuti apeze ngongoleyo.
Wobwereketsa amayenera kufunsira ngongole kudzera mwa wobwereketsa yemwe amamukonda ndikuwonetsetsa kuti akukwaniritsa zofunikira zingapo, monga ziwongola dzanja zochepa ndi zobweza. Zofunsira kubwereketsa zimalowa m'ndondomeko yolimba kwambiri isanafike pomaliza. Mitundu ya ngongole zanyumba imasiyana malinga ndi zosowa za wobwereka, monga ngongole zanthawi zonse ndi ngongole zokhazikika.
Anthu ndi mabizinesi amagwiritsa ntchito ngongole zanyumba kuti agule malo popanda kulipira mtengo wonse wogulira. Wobwereka amabweza ngongoleyo kuphatikiza chiwongola dzanja pazaka zingapo zoikidwiratu mpaka atakhala ndi malowo kwaulere komanso mopanda chiwongola dzanja. Ngongole zobwereketsa zimadziwikanso ngati ma liens otsutsana ndi katundu kapena mangawa pa katundu. Ngati wobwereketsa alephera kubweza ngongoleyo, wobwereketsayo akhoza kuwonongera katunduyo.
Tanthauzo la ngongole yanyumba
Pamene mwini nyumba amwalira, choloŵa cha nyumbayo kaŵirikaŵiri chimagamulidwa ndi wilo kapena motsatizana. Koma bwanji za nyumba yomwe ili ndi ngongole? Kodi achibale anu ali ndi udindo pa ngongole zanyumba mukamwalira? Kodi chimachitika n'chiyani kwa achibale otsala amene akukhalabe m'nyumba imene ikukambidwayo?
Nazi zomwe zimachitika ku ngongole yanu yanyumba mukamwalira, momwe mungakonzekere kupewa mavuto a ngongole kwa olowa nyumba, ndi zomwe muyenera kudziwa ngati munalandira nyumba pambuyo poti wokondedwa wanu wamwalira.
Nthawi zambiri, ngongole imabwezedwa ku malo anu mukamwalira. Izi zikutanthauza kuti katundu asanaperekedwe kwa olowa nyumba, woyang'anira malo anu adzagwiritsa ntchito zinthuzo kulipira omwe akungongolani.
Pokhapokha ngati wina wasaina kapena kubwerekanso ngongole ndi inu, palibe amene ali ndi udindo wotengera ngongoleyo. Komabe, ngati wolandira cholowa cha nyumbayo asankha kuti akufuna kuisunga ndi kutenga udindo wa ngongole yanyumba, pali malamulo omwe amawalola kutero. Kaŵirikaŵiri, banja lotsalalo lidzapereka malipiro kuti chikolecho chikhale chatsopano pamene akudutsa m’makalata okagulitsa nyumbayo.
Kodi ngongole zanyumba zili pagulu?
Kubwezeretsanso ngongole yanu yanyumba kumakupatsani mwayi wobweza ngongole yanu yanyumba ndikutenga ina yokhala ndi zinthu zatsopano. Mungafune kubweza ngongole yanu kuti mutengepo mwayi pa chiwongola dzanja chochepa, kusintha mtundu wanu wanyumba, kapena pazifukwa zina:
Ngati muli ndi zaka zosachepera 62, ngongole yobwereketsa ikhoza kukulolani kuti musinthe zina mwazogulitsa zanu kukhala ndalama. Simudzayenera kugulitsa nyumbayo kapena kulipira zina pamwezi. Ngongole yobwereketsa siyenera kubwezeredwa bola mukukhala mnyumba mwanu. Mudzayenera kubweza ngongoleyo mukagulitsa nyumba yanu kapena kuisiya mpaka kalekale. Werengani zambiri za reverse mortgages Mitundu ya Reverse Mortgages Mitundu itatu ya ngongole zobwereketsa ndi izi: Onetsetsani kuti mumayang'anira machitidwe obwereketsa ankhanza, zotsatsa zomwe zimatchula ngongoleyo ngati "ndalama zaulere," kapena zotsatsa zomwe sizimaulula chindapusa kapena mawu a ngongole. Mukafuna wobwereketsa, kumbukirani: Nenani zachinyengo kapena nkhanza Ngati mukuganiza zachinyengo kapena nkhanza, dziwitsani mlangizi wanu, wobwereketsa kapena wobwereketsa. Mukhozanso kudandaula ndi: Ngati muli ndi mafunso, funsani HUD Housing Acquisition Center kwanuko kuti mupeze malangizo.
Sakani ngongole zanyumba ndi adilesi
Mutha kuyang'ana yemwe ali ndi ngongole yanu pa intaneti, kapena kuyimbira foni kapena kutumiza pempho lolemba kwa wothandizira wanu kuti akufunseni yemwe ali ndi ngongole yanu. Wothandizira akuyenera kukupatsani, momwe mungadziwire, dzina, adilesi, ndi nambala yafoni ya eni ngongole yanu.
Sikophweka nthawi zonse kudziwa yemwe ali ndi ngongole yanu. Ngongole zambiri zanyumba zimagulitsidwa ndipo wothandizira yemwe mumamulipira mwezi uliwonse sangakhale mwini nyumba yanu. Nthawi zonse mwiniwake wa ngongole yanu akasamutsa ngongoleyo kwa mwiniwake watsopano, mwiniwake watsopanoyo amafunika kukutumizirani chidziwitso. Ngati simukudziwa yemwe ali ndi ngongole yanu, pali njira zosiyanasiyana zodziwira. Imbani foni wobwereketsa nyumba Mutha kupeza nambala ya wobwereketsa panyumba yanu yanyumba pamwezi kapena buku la makuponi. Sakani pa intaneti Pali zida zina zapaintaneti zomwe mungagwiritse ntchito kuti muyang'ane mwini wanyumba yanu yobwereketsa o FannieMae Lookup Chida o Freddie Mac Lookup Tool Mutha kuyang'ana wothandizira wanu wobwereketsa pa webusayiti ya Electronic Mortgage Registration System (MERS). pemphani Njira ina ndikutumiza pempho lolembedwa kwa wobwereketsa nyumba. Wothandizira akuyenera kukupatsani, momwe angadziwire, dzina, adilesi, ndi nambala yafoni ya eni ngongole yanu. Mutha kutumiza pempho lolemba loyenerera kapena pempho kuti mudziwe zambiri. Nayi kalata yachitsanzo yokuthandizani kulembera wobwereketsa nyumba kuti afunse zambiri.
