Mukakhala ndi ngongole yoyipa, mutha kukhulupirira kuti kugula malo sikutheka. Komabe, chifukwa chakuti muli ndi ngongole sizikutanthauza kuti mudzakanidwa ngongole.
Ngakhale kuti muli ndi ngongole yochepa, ena obwereketsa nyumba angakhale okonzeka kugwira nanu ntchito. N'chimodzimodzinso ngati mukufuna kugula malo opanda ngongole. Komabe, zovuta zanu zimatha kusiyana ndi zomwe zimakumana ndi omwe ali ndi ngongole zotsika mtengo.
M'nkhaniyi, tiwona momwe zimakhalira kugula malo ndi ngongole yoyipa komanso ndalama zomwe zingakuwonongereni.
Kodi Ngongole Yosauka N'chiyani?
Pamene ngongole yanu ya ngongole kapena mbiri yanu yolipira ikulephera kutsatira malangizo ochepa a wobwereketsa, mumakhala ndi ngongole yoyipa.
Ena obwereketsa ngongole amafuna ndalama zosachepera 500 pagulu la 300-850, pomwe ena amafuna 580, 620, kapena kupitilira apo.
Ngongole zochepera zimasiyanasiyana wobwereketsa aliyense popeza obwereketsa sakhala ndi nkhawa nthawi zonse ndi ngongole yanu. Chomwe amadetsa nkhawa kwambiri ndichakuti mudzawabwezera kapena ayi mwezi uliwonse.
Wobwereketsa nyumba amagwiritsa ntchito ziwongola dzanja ngati chimodzi mwazinthu zingapo. Obwereketsa amakhudzidwanso ndi kukhazikika kwa ntchito yanu, ndalama zomwe mumapeza pachaka, malo omwe mukugula, ndi zina.
Mwa kuyankhula kwina, palibe chinthu chonga ngongole yoipa m'maso mwa wobwereketsa ngongole, koma ngongole ya nyumba si chitsimikizo cha ngongole yovomerezeka chifukwa kuti mupeze ngongole yamtunduwu, muyenera kukonzekera mozama. Pali ngongole yoyenerera, yomwe ndi chiwerengero chochepa cha ngongole chofunikira kuti fomu yofunsira ngongole ya nyumba ivomerezedwe.
Kodi chiwongola dzanja chocheperako pogula nyumba ndi chiyani?
Kutengera Ngongole Kuyambira 500 mpaka 579
Mwachidziwitso, mutha kubwereketsa ngongole yokhala ndi ngongole zotsika mpaka 500, koma mudzangoperekedwa ku ngongole zomwe zimatsimikiziridwa ndi Federal Housing Administration. Kulipira ndalama zosachepera 10% kumafunika pa ngongole ya FHA yokhala ndi ngongole ya 500 mpaka 579. Zopereka zonse zomwe zatsala ndi zigamulo zidzafunidwa ndi wobwereketsa.
Kutengera Ngongole Kuyambira 580 mpaka 619
Mutha kulandira ngongole ya FHA yokhala ndi 3.5% pansi.
Kutengera Ngongole Kuyambira 620 mpaka 699
Zosankha zanu zanyumba zikukula. Ndi ngongole ya 620, mutha kukhala oyenerera kubwereketsa wamba, zomwe sizikutsimikiziridwa ndi bungwe la boma monga FHA kapena VA.
Ngongole za 700 kapena kupitilira apo
Obwereketsa ali okonzeka kupereka ngongole ngati ngongole yanu ili pakati pa 700 ndi 739, ndipo mphambu 740 kapena kupitilira apo zimabweretsa chiwongola dzanja chotsika kwambiri.
Momwe Mungakwezere Ngongole Yanu
Monga mukuonera pachithunzichi, pali anthu ochepa omwe ali ndi ngongole yoipa kwambiri , ndi 3 peresenti yokha. Koma ngati muli kumeneko, ndiye kuti muli ndi mwayi wogula nyumba.
Koma ngati ngongole yanu ili yochepera 580, yang'anani pazachuma izi kuti muthandizire kukweza.
Sinthani Mbiri Yanu Yolipira
Kusasinthika kwamalipiro ndi gawo lofunikira pakuzindikira kuchuluka kwa ngongole yanu. Pamalipiro aliwonse, mumawonjezera mbiri yanu yangongole ndikubweza ngati mumalipira pafupipafupi pamabilu anu.
Chepetsani Ngongole Yanu Yonse Kuti Muwongolere Ngongole Yanu Yopeza Ndalama
Ngongole yanu yofikiridwa imakhudzanso kuchuluka kwa ngongole zanu. Kukweza ngongole zanu kumakhala kovuta ngati mwatopa komanso mulibe ngongole. Lipirani ngongole kuti mumange khushoni yangongole, ndipo ngongole yanu idzakwera.
Yang'anani Lipoti Lanu Langongole Pazolakwa ndikuyika Mkangano
Ganizirani kugwiritsa ntchito kampani yobwezeretsa ngongole kuti ikuthandizeni kupeza njira yogulira malo. Mukalandira lipoti lanu laulere la ngongole, mutha kupeza zolakwika zina zomwe zimatsitsa ngongole yanu. Zowonongeka zazikulu pa mbiri yanu yangongole, monga kulandidwa, kulandidwa, kapena maakaunti otolera, zitha kukhala ndi vuto lalikulu.
Chepetsani Kugwiritsa Ntchito Ngongole
Kulipira makhadi a ngongole ndi ngongole zina zaumwini kumachepetsa kuchuluka kwa kagwiritsidwe ntchito ka ngongole, chomwe ndi chiwongola dzanja chanu chonse chogawidwa ndi malire pamakhadi anu angongole. Izi zimakhala ndi phindu pa chiŵerengero chanu cha ngongole ndi ndalama (DTI). Kulipira ngongole zosakwana 30% kumabweretsa kuwonjezeka kwakukulu kwa ngongole.
Zofunika Kuchita Pogula Nyumba Yokhala Ndi Ngongole Yoipa
Mukamagula malo ndi ngongole yowopsa, kutsatira izi kukuthandizani kudziwa komwe muli komanso choti muchite!
Konzekerani Kulipira Chiwongola dzanja Chokwezeka cha Ngongole
Ngongole yotsika ikuwonetsa kwa obwereketsa kuti ndinu pachiwopsezo chachikulu. Kuti alipire chiwopsezochi, ngongole zilizonse zomwe angapange nthawi zambiri zimakhala ndi chiwongola dzanja chokwera (mwachitsanzo, chiwongola dzanja cha 5% pachaka m'malo mwa 3% wokhala ndi ngongole zamphamvu).
Kusiyana kwa manambala amodzi uku kumatha kuwoneka ngati kwazing'ono, koma kumawunjikana nthawi yonse yobwereketsa, yomwe nthawi zambiri imakhala zaka 15 mpaka 30. Mutha kulipira ndalama zambiri pamwezi chifukwa cha ngongole.
Wonjezerani Kuchuluka kwa Malipiro Anu Ngati Kutheka
Kulipira kocheperako kumafunikira kuti mulandire ndalama zogulira nyumba. Malinga ndi National Association of Realtors (NAR), wogula nyumba wamba amaika 12% panyumba.
Ngati muli ndi ngongole yosauka, kubweza ngongole ndikofunikira kwambiri. Pamene ngongole yanu ya ngongole ikugwera pansi pa mlingo wina, wobwereketsa wanu akhoza kupempha kuti akupatseni malipiro apamwamba kusiyana ndi nthawi zonse. Kuphatikiza apo, kuyika ndalama zambiri kungapangitse wobwereketsa kukhala wofunitsitsa kukupatsani ndalama ngakhale mulibe ngongole yabwino.
Chepetsani Ngongole Yanu Yopeza Ndalama
Kugwirizana pakati pa zomwe munali nazo kale ndi ndalama zomwe mumapeza-kapena chiŵerengero chanu cha ngongole ndi ndalama (DTI) ndi mbali ina yomwe imakhudza kuthekera kwanu kuti muyenerere kubwereketsa ngongole. Chiŵerengero chanu cha DTI chimasonyeza wobwereketsa ndalama zomwe mumawononga pa ndalama zomwe mumapeza.
Nthawi zambiri, chiŵerengero chanu cha DTI chikhale chocheperako, chimakhala bwino kuchokera kwa wobwereketsa. Mwachitsanzo, ngati mukufuna kubwereketsa ngongole ya nyumba yatsopano, nthawi zambiri mumafunika DTI ya 50% kapena kuchepera. Komabe, kutengera mtundu wa ngongole ndi njira zina, kuchuluka kwa DTI komwe wobwereketsa angatenge kungasiyane.
Kutsiliza
Kungoti mutha kugula malo ndi ngongole yoyipa sizitanthauza kuti muyenera kutero. Kugwira ntchito yokonza ngongole yanu kungakupulumutseni ndalama ndikupangitsa kuti ntchito yogulira nyumba ikhale yovuta kwambiri ngati mungafune kudikirira. Kuphatikiza apo, nthawi yomwe imatenga kuti mukweze ngongole yanu ikhoza kugwiritsidwa ntchito kulipira ngongole kapena kusunga ndalama zambiri.
