Zomwe muyenera kudziwa za ngongole zanyumba

Kwa ambiri, kukhala ndi nyumba ndi gawo la maloto, ndiko kukwaniritsidwa kwa a moyo wabwino, cholinga. Kwa eni nyumba ambiri, kupeza ngongole yanyumba ndi imodzi mwamasitepe ofunikira kuti mukafike kumeneko. Kutenga ngongole yanyumba ndi imodzi mwazo zisankho zachuma zofunika kwambiri ambiri a ife tidzatenga konse. Chifukwa chake ndikofunikira kumvetsetsa zomwe mukulembetsa mukabwereka ndalama zogulira nyumba.

Ngati mukuganiza zokhala ndi nyumba ndipo mukuganiza momwe mungayambire, mwafika pamalo oyenera. Pano tikambirana zofunikira zonse za kubwereketsa nyumba. Zoona zake NDIKUUZA ZONSE pankhaniyi. Koma musanayambe, apa pali maphunziro apamwamba omwe angakuthandizeni amakulolani kuti mudziwe zinsinsi zonse kuti muchite bwino mu Podcast.

✔ Kodi ngongole yanyumba ndi chiyani?

Ngongole yanyumba, yomwe imatchedwanso ngongole yanyumba, ndi ngongole yanthawi yayitali yomwe imagwiritsidwa ntchito popezera ndalama zogulira malo. Chikhalidwe chake chachikulu ndikutsimikiziridwa ndi ngongole yanyumba pa malo omwe akufunsidwa.

Zowona, wobwereka atenga ngongole yanyumba ndi bungwe langongole, nthawi zambiri kubanki. Ndalama zomwe zaperekedwa zimaperekedwa kwa nthawi yayitali mpaka mpaka zaka 25-30. Panthawi imeneyi, wobwereka amabweza ndalama zomwe zimaperekedwa pamwezi zomwe zimapangidwa ndi chiwongola dzanja ndi gawo lalikulu.

Chikole cha banki ndi malo enieni omwe ngongole imayikidwa. Izi zikutanthauza kuti ngati salipira kwa nthawi yayitali, banki ingafunike kugulitsa malowo kuti ibweze ngongole zomwe zidali kale.

Chifukwa cha chitsimikizo cholimba ichi, ndipo kwa nthawi yayitali chotere, chiwongola dzanja cha ngongole yanyumba chimakhalabe Zotsika kwambiri ndipo amapereka ndalama izi mwayi wotsimikizika wokhala eni ake. Ubwino uwu umapangitsa kukhala chinthu chachuma chomwe chimasinthidwa ku msika wogulitsa nyumba.

✔ Ndani angapeze ngongole yanyumba?

Aliyense atha kupeza ngongole yanyumba. Anthu ambiri amene amagula nyumba amatero ndi ngongole yanyumba. Ngongole yobwereketsa ndiyofunikira ngati simungathe kulipira mtengo wonse wa nyumba kuchokera m'thumba.

Nthawi zina zimakhala zomveka kukhala ndi ngongole panyumba panu ngakhale muli ndi ndalama zolipirira. Mwachitsanzo, osunga ndalama nthawi zina amabwereketsa katundu kuti amasule ndalama zamabizinesi ena.

Kuti muyenerere kubwereketsa ngongole, muyenera kukwaniritsa zofunikira zomwe banki imanena. Chifukwa chake, munthu amene amapeza ngongole amakhala ndi munthu yemwe ali ndi ngongole ndalama zokhazikika komanso zodalirika, chiŵerengero cha ngongole ndi ndalama pansi pa 50%, ndi ngongole yabwino. Kupatula mtundu uwu wa ngongole, titha kukhala nayo ngongole zamagalimoto, etc.

✔ Kodi ngongole zanyumba zimagwira ntchito bwanji?

Ngongole ndi ufulu woperekedwa kwa wobwereketsa pa malo enieni, kuti athe kudzibwezera yekha ngati wobwereka walephera. Kunena zoona, izi zikutanthauza kuti ngati sakubweza ngongole, wobwereketsa angafune kugulitsa katunduyo kuti abweze ngongole yake.

Kupanga mortgage, muyenera kulumikizana ndi notary. Womalizayo adzalembetsa ngongole yanyumba ndi ntchito yolembetsa malo pambuyo posayina chikalata chobwereketsa nyumba. Ndalama zolipirira nyumba nthawi zambiri zimagwira ntchito.

Kulembetsa kubwereketsa kukachitika, wobwereketsa amatsimikiziridwa kuti atha kudzibwezera chifukwa cha mtengo wa katunduyo ngati wobwereketsa asiya kubweza zonse. Banki ikhoza kuyitanitsa kulanda ndi kugulitsa katundu wobwereketsa ngati kuli kofunikira.

Ngongole komabe, amasunga ufulu wangongoleyo kukhalabe m'malo. Zimakhudzanso ufulu wokhala ndi katundu. Nkoletsedwa kwa wobwereketsa kulanda katunduyo malinga ngati mwiniwakeyo akupitiriza kulemekeza kubweza ngongole yake.

✔ Kodi chiwongola dzanja chimagwira ntchito bwanji pa ngongole yanyumba?

Kuchuluka kwa chidwi mudzalipira ngongole yanu yobwereketsa kutengera ndalama zanyumba zomwe mwasankha. Ngati, mwachitsanzo, mutasankha chiwongoladzanja chokhazikika kwa nthawi yokhazikika, ndiye kuti panthawiyi chiwongoladzanja chomwe mudzalipira chidzakhala chimodzimodzi mwezi uliwonse.

Pamapeto pa nthawi yoikidwiratu, nthawi zambiri mumasamutsidwa ku mtengo wamtengo wapatali wa wobwereketsa, womwe nthawi zambiri umakhala wapamwamba kuposa zomwe mwalowa.

Pakadali pano, muwona kuti chiwongola dzanja chanu chikuwonjezeka. Komabe, mudzakhala omasuka kubweza ngongole yanyumba yatsopano, yomwe ingakuthandizeni kuchepetsa malipiro anu.

Ngati musankha chiwongola dzanja chosinthika, ndiye kuti chiwongola dzanja chomwe mumalipira chikhoza kusinthasintha pakapita nthawi. Ngati chiwongola dzanja chatsika, dontho ili likhoza kuperekedwa kwa inu ndipo mudzawona ndalama zomwe mumalipira pamwezi zikuchepa.

Komabe, ngati chiwongola dzanja chikukwera, ndalama zobwereka zimakwera kwambiri kwa obwereketsa, ndipo ndalama zokwerazi zimaperekedwa kwa eni nyumba. Pamenepa, malipiro anu pamwezi adzawonjezeka. Ndicho chifukwa chake ogula ambiri amasankha mitengo yokhazikika kuti atsimikizire kuti chiwongoladzanja chawo ndi malipiro a mwezi uliwonse sizisintha.

M'zaka zoyambirira za ngongole yanu yobwereketsa, ndalama zambiri zomwe mumalipira pamwezi zimakulipirani chiwongola dzanja chanu komanso ndalama zocheperako kwa wamkulu wanu. Pang'ono ndi pang'ono, mudzayamba kubweza ndalama zambiri za wamkulu wanu pakapita nthawi pamene ngongole yanu ikuchepa.

✔ Zigawo za malipiro a ngongole

Malipiro anu a mwezi uliwonse a ngongole angapereke zinthu zingapo, kuphatikizapo:

🎯 Mkulu wa ngongole

" capital capital » amatanthauza zinthu ziwiri. Zingatanthauze ndalama zomwe munabwereka. Angatanthauzenso ndalama zomwe muli ndi ngongole mukamaliza kulipira.

Mwachitsanzo, ngati munabwereka $200 ndikubweza $000, ndalama zonse zotsala ndi $24. Gawo la ngongole iliyonse yobwereketsa imayikidwa kwa mphunzitsi wanu wamkulu, kuchepetsa ndalama zonse zomwe mwabwereketsa pakapita nthawi.

🎯 chiwongola dzanja pa ngongole zanyumba

Chiwongola dzanja pa ngongole yanu yobwereketsa imatsimikizira ndalama zomwe mudzalipire wobwereketsayo pa ngongoleyo. Gawo la malipiro a mwezi uliwonse limachepetsa ndalama zomwe ziyenera kulipidwa ndipo gawo likugwiritsidwa ntchito pa chiwongoladzanja. M'zaka zingapo zoyambirira za ngongoleyo, ndalama zambiri zomwe zimalipira pamwezi zimalipira chiwongola dzanja ndipo zochepa zimagwiritsidwa ntchito pabizinesi.

M'zaka zapitazi, malipiro ambiri amachepetsa mkulu. Njira imeneyi imatchedwa kuchepa kwa mtengo.

🎯 Misonkho ya katundu

Wobwereketsa wanu akhoza kusonkhanitsa msonkho wa katundu pamodzi ndi malipiro anu a ngongole ndikusunga ndalamazo mu akaunti ya escrow mpaka misonkho yanu ya msonkho itakwana, ndikulipirani m'malo mwanu panthawiyo.

🎯 inshuwaransi yakunyumba

Inshuwaransi ya eni nyumba, yomwe imatha kuwononga zowonongeka chifukwa cha moto, mphepo yamkuntho, ngozi ndi masoka ena, nthawi zambiri imafunidwa ndi obwereketsa nyumba. Atha kusonkhanitsa ndalamazo ndikubweza ngongole yanu ndikulipira inshuwaransi kuchokera muakaunti yanu ya escrow ikafika.

🎯 inshuwaransi yanyumba

Mukayika pansi zosakwana 20%, obwereketsa nthawi zambiri amakufunsani kuti mulipire inshuwaransi ya ngongole yanyumba. Inshuwaransi iyi imateteza wobwereketsa ku chiopsezo cholephera kubweza ngongole.

Pali mitundu iwiri: inshuwaransi yobwereketsa nyumba ndi mitundu ya inshuwaransi yanyumba yofunikira pa ngongole zothandizidwa ndi boma. Malipiro angakulipire ku sitetimenti yanu yanyumba pamwezi

✔ Mitundu yosiyanasiyana ya ngongole zanyumba

Pali mitundu ingapo ya ngongole zanyumba zomwe zimapezeka kwa ogula. Zimaphatikizapo ngongole zanyumba zokhazikika, zomwe ndi zina Zodziwika kwambiri, komanso kubweza ngongole zosinthika komanso kubweza ngongole zanyumba. Ofuna kugula ayenera kufufuza njira yoyenera pa zosowa zawo.

🎯 Ngongole zokhazikika

Ngongole zanyumba zokhazikika zimapatsa wobwereka chiwongola dzanja chokhazikika pakanthawi yokhazikika kawirikawiri 15, 20 kapena 30 zaka. Ndi chiwongola dzanja chokhazikika, kufupikitsa nthawi yobwezera ya wobwereka kumakweranso malipiro a mwezi uliwonse. Mosiyana ndi zimenezi, pamene wobwereka amatenga nthawi yaitali kuti alipire, m'pamenenso ndalama zobweza pamwezi zimachepa.

Komabe, pakatenga nthawi yayitali kuti mubweze ngongoleyo, m'pamenenso wobwerekayo amalipira chiwongola dzanja chochuluka.

• Zopindulitsa

kwambiri mwayi waukulu ya mtengo wokhazikika wangongole ndikuti wobwereketsa angayembekezere kuti malipiro awo a mwezi uliwonse azikhala osasintha. Izi zimapangitsa kuti bajeti yapakhomo ikhale yosavuta komanso imapewa ndalama zina zomwe sizingayembekezere mwezi ndi mwezi. Ngakhale mitengo yamsika ikukwera kwambiri, wobwereka sayenera kubweza ndalama zambiri pamwezi.

• Zoyipa

Zochita zokhazikika nthawi zambiri zimakhala zokwera pang'ono kuposa zobwereketsa zosintha. Chiwongola dzanja chikatsika, simupindula.

Chenjezo kwa:

• Malipiro ngati mukufuna kusiya mgwirizano mwamsanga - mumamangidwa nthawi yonse yokonzekera.
• Kutha kwa nthawi yoikika - muyenera kuyang'ana pangano lanyumba yatsopano miyezi iwiri kapena itatu lisanathe kapena mudzasamutsidwa ku mtengo wosinthika wa wobwereketsa wanu, womwe nthawi zambiri umakhala wapamwamba.

🎯 Zosintha zamitengo yanyumba

Ndi ngongole zanyumba zosinthika, chiwongola dzanja chikhoza kusintha nthawi iliyonse. Onetsetsani kuti muli ndi ndalama kuti muthe kuonjezera malipiro anu ngati mitengo ikukwera. Zogulitsa zamtengo wapatali zimabwera m'njira zosiyanasiyana:

➤ Mtengo Woyandama Wokhazikika

Ichi ndiye chiwongola dzanja chanthawi zonse chomwe wobwereketsa wobwereketsa amalipiritsa ogula. Zitha kukhala nthawi yayitali yobwereketsa kapena mpaka mutamaliza kubwereketsa kwina. Kusintha kwa chiwongola dzanja kumatha kuchitika pambuyo pakuwonjezeka kapena kuchepa kwa chiwongola dzanja chokhazikitsidwa ndi Banki.

Zopindulitsa

ufulu - mutha kulipira kapena kuchoka nthawi iliyonse.

Zoyipa

Mtengo wanu ukhoza kuwonjezeka nthawi iliyonse panthawi ya ngongole.

➤ Ngongole zochotsera

Uku ndi kuchotsera pa mtengo wa wobwereketsa (TVS) ndipo umagwira ntchito kwa nthawi inayake, nthawi zambiri zaka ziwiri kapena zitatu. Koma ndi bwino kugula zinthu. TVS imasiyana pakati pa obwereketsa. Choncho musaganize kuti kuchotserako kukakhala kokwera, m’pamenenso chiwongoladzanja chikatsika.           

Zopindulitsa

• mtengo - mtengowo umayamba wotsika mtengo, womwe umapangitsa kubweza pamwezi kutsika;
• Ngati wobwereketsa achepetsa ma TV awo, mumalipira pang'ono mwezi uliwonse.

Zoyipa

• Bajeti - wobwereketsa ali ndi ufulu wowonjezera ma TV awo nthawi iliyonse
• Ngati mitengo yoyambira ku Banki ikwera, mudzawonanso kuchotserako.

Samalani ndi malipiro ngati mukufuna kuchoka nthawi yochotsera isanathe.

➤ Mtengo Wandalama Zanyumba Zanyumba

Mtengo wanu umasinthasintha ndi TVS ya wobwereketsa. Koma kapu imatanthauza kuti mlingowo sungathe kupitirira mlingo wina.

Zopindulitsa

• Zotsimikizika - mulingo wanu sudzapitilira mulingo wina. Koma onetsetsani kuti mutha kubweza ndalama ngati zifika pachiwopsezo.
• Zotsika mtengo - mlingo wanu udzatsika ngati TVS ikutsika.

Zoyipa

• Denga limakonda kukhala lalitali kwambiri;
• Mlingo nthawi zambiri umakhala wapamwamba kuposa mitengo ina yosinthika komanso yokhazikika;
• Wobwereketsa wanu akhoza kusintha mtengowo nthawi iliyonse kufika pamlingo wa cap.

➤ Ngongole za Offset

Izi zimagwira ntchito polumikiza akaunti yanu yosungira ndi akaunti yamakono ku ngongole yanu yanyumba kuti mungopereka chiwongola dzanja pazosiyana. Mukulipirabe ngongole yanu mwezi uliwonse monga mwachizolowezi, koma ndalama zomwe mwasunga zimakhala ngati kubweza kwambiri komwe kumakuthandizani kuti muthe kubweza ngongole yanu msanga.

 ✔ Kodi mungasankhe bwanji ngongole yabwino?

Msika wobwereketsa nyumba ndi wopikisana kwambiri ndipo zimakhala zovuta kumvetsetsa zomwe zikuperekedwa. Pali ambiri ogulitsa osiyanasiyana komanso osiyanasiyana katundu ndi mitengo zilipo. Chifukwa chake ndibwino kulankhula ndi banki yanu komanso alangizi angapo odziyimira pawokha obweza ngongole.

Obwereketsa (nthawi zambiri mabanki) ndi ma broker ayenera kukulangizani mukamapereka ngongole yanyumba. Adzawunika kuchuluka kwa kubwezeredwa kwanyumba komwe mungakwanitse, kuyang'ana ndalama zomwe mumapeza komanso kubweza ngongole zanu komanso zomwe mumawononga tsiku lililonse. Izi zikutanthauza kuti muyenera kukhala ndi ngongole yobwereketsa yomwe imakwaniritsa zosowa zanu.

Ngakhale obwereketsa ndi ogulitsa ayenera kupereka upangiri pafupifupi nthawi zonse, mutha kusankha kukana upangiri ndikupeza ngongole yanu yanyumba kutengera kafukufuku wanu. Ngati musankha ngongole yanu popanda chidziwitso, izi zimatchedwa application. kuphedwa kokha ".

✔ Kodi ndingalembe bwanji chiwongola dzanja?

Kufunsira ngongole yanyumba nthawi zambiri kumakhala njira ziwiri. Gawo loyamba nthawi zambiri limakhudza kafukufuku wofunikira kukuthandizani kudziwa kuchuluka kwa ndalama zomwe mungakwanitse komanso mtundu wa (ma) ngongole zomwe mungafune.

Gawo lachiwiri ndi pamene wobwereketsa nyumba adzayang'ana mwatsatanetsatane momwe angagwiritsire ntchito ndipo, ngati sanapemphedwe, umboni wa ndalama.

🎯 Khwerero 1

Nthawi zambiri, obwereketsa amakufunsani mafunso angapo kuti mudziwe mtundu wanji wangongole yomwe mukufuna komanso nthawi yomwe mukufuna. Adzayesanso kudziwa, popanda kufotokoza zambiri, momwe ndalama zanu zilili.

Izi nthawi zambiri zimagwiritsidwa ntchito posonyeza kuchuluka kwa wobwereketsa angalole kukukongozani. Ayeneranso kukupatsani zambiri zokhudza malonda, ntchito yawo, ndi zolipiritsa zilizonse kapena zolipiritsa, ngati zilipo.

🎯 Chinthu chachiwiri

Apa ndipamene mumayambira pulogalamu yanu. Wobwereketsa kapena wobwereketsa nyumba adzayamba " kupeza zowona » kuwunika kwatsatanetsatane komanso mwatsatanetsatane za mbewu, komwe mudzafunika kupereka umboni wa ndalama zomwe mumapeza komanso zomwe mwawononga, ndi “ kupsinjika maganizo »zachuma chanu.

Izi zitha kuphatikizira kufunsa mwatsatanetsatane zandalama zanu ndi mapulani amtsogolo omwe angakhudze phindu lanu lamtsogolo. Adzawunikanso momwe angakubwezereni ngati chiwongola dzanja chidzakwera mtsogolo.

Ngati pempho lanu lavomerezedwa, wobwereketsa adzakupatsani "chopereka chomangirira" ndi chikalata chofotokozera zanyumba yanu yobwereketsa.

Izi zidzatsagana ndi " nthawi yosinkhasinkha »zamasiku osachepera 7, zomwe zimakupatsani mwayi wofananiza ndikuwunika zotsatira zakuvomera zomwe mwabwereketsa. Obwereketsa ena akhoza kukupatsani masiku opitilira 7 kuti muchite izi. Muli ndi ufulu wosiya nthawi yowunikirayi kuti mufulumizitse kugula nyumba yanu ngati mukufuna kutero.

Munthawi yozizirira iyi, wobwereketsa sangasinthe kapena kuletsa kugulitsa kwake, kupatula pakakhala zochepa.

✔ Kodi pali kusiyana kotani pakati pa ngongole yosavuta ndi ngongole yanyumba?

Mawu akuti " okonzeka » angagwiritsidwe ntchito pofotokoza zochitika zilizonse zachuma. Zochita zomwe gulu limodzi limalandira ndalama zochulukirapo ndikuvomera kubweza pakulipira chiwongola dzanja.

Mortgage ndi mtundu wangongole womwe umagwiritsidwa ntchito pogulira malo. Ngongole ndi mtundu wangongole, koma si ngongole zonse zomwe zimakhala zobwereketsa.

Ngongole ndi ngongole kungakupatseni ". Ndi ngongole yotetezedwa, wobwereka amalonjeza chitetezo kwa wobwereketsa ngati atasiya kulipira. Pankhani ya ngongole, chitetezo ndi nyumba. Mukasiya kulipira ngongole yanu yanyumba, wobwereketsa akhoza kutenga nyumba yanu.

🎯 Mwachidule…

Ngongole yanyumba ndi ngongole yomwe imagwiritsidwa ntchito pogulira nyumba kapena kubweza ngongole yanyumba. Mumalipira nthawi zonse pa ngongole yanyumba mpaka italipidwa pakatha zaka zingapo.

Makamaka, ngongole yanyumba ndi chikalata chovomerezeka chomwe chimalola wobwereketsa wanu kutenga nyumbayo ngati simukubweza ngongoleyo monga momwe mwavomerezera. M'mayiko ena, chikalatachi chimatchedwa trust deed.

Mukalipira ngongole, muli ndi nyumbayo, kapena " zaulere ndi zomveka ". Ufulu wovomerezeka wa wobwereketsayo kuti akulanditseni nyumba yanu ukutha.

Poyerekeza zoperekedwazi, kumbukirani kuyang'ana ndalama zochotsera, komanso zilango zotuluka. Musanachoke, apa pali maphunziro omwe amakulolani kutero kuchita malonda mu ola limodzi lokha. Dinani apa kuti mugule

Pazovuta zanu zonse, ndisiyirani ndemanga