Kubweza ngongole yanyumba kumatanthawuza kuti mukusinthanitsa ngongole yanyumba yanu yatsopano kuti mupeze yatsopano.
Mukakonzanso ngongole yanyumba yanu, banki yanu kapena wobwereketsa amalipira ngongole yanyumba yanu yatsopano ndi yatsopano; ichi ndi chifukwa cha kulimbikitsanso ku nthawi.
Ambiri obwereka amasankha kukonzanso ndalama kuti achepetse chiwongola dzanja chawo ndikufupikitsa nthawi yobweza, kapena kuti agwiritse ntchito mwayi wosintha gawo lazachuma chomwe adapeza m'nyumba zawo kukhala ndalama.
Pali mitundu iwiri ikuluikulu yowonjezeranso ndalama: kuchuluka kwa ndalama komanso kupititsa patsogolo ndalama.
Kodi kulipira ndalama ndi chiyani?
Kubwezeretsanso ndalama ndi njira yobweretsera ngongole yanyumba yomwe ilipo kale ndi ngongole yatsopano. Nthawi zambiri, anthu amasinthitsa ngongole yanyumba yawo kuti achepetse zolipira zawo pamwezi, kutsitsa chiwongola dzanja chawo, kapena kusintha pulogalamu yobwereketsa ndalama kuchokera kubweza yobweza mpaka yanyumba yokhazikika. Kuphatikiza apo, anthu ena amafunika kupeza ndalama kuti athandizire kukonzanso nyumba kapena kuti alipire ngongole zosiyanasiyana, ndipo azigwiritsa ntchito ndalama zawo mnyumba kuti athe kupeza ndalama.
Ngakhale mutakhala ndi cholinga chotani, ndalama zowonjezeranso ndalama zimagwiranso ntchito momwe munkagwiritsira ntchito mukamalembetsa ngongole yanu yoyamba - muyenera kutenga nthawi kuti mufufuze zosankha zanu za ngongole, sonkhanitsani zikalata zolondola zandalama, ndikuperekanso fomu yolembetsera ngongole yanyumba. isanavomerezedwe.
Ubwino wokonzanso nyumba
Pali zifukwa zingapo zokhaliranso ngongole yanyumba yanu. Zina mwazabwino zomwe mungapeze ndi izi:
- Chepetsani zolipira zanu pamwezi *. Malinga ndi Phunziro , mwininyumba wamba amatha kusunga $ 160 kapena kupitilira apo pamwezi mosinthanitsa. Mukamalipira ndalama zochepa pamwezi, mutha kusungitsa ndalama zina kubweza ngongole zina ndi zina, kapena kuyika ndalamazo pamalipiro anu apamwezi pamwezi ndikulipira ngongole yanu posachedwa.
- Chotsani inshuwaransi yanyumba yabwana (PMI). Eni nyumba ena omwe ali ndi ndalama zokwanira kunyumba kapena kulipidwa zolipirira sadzayenera kulipira inshuwaransi yanyumba yomwe ichepetse kulipira kwawo pamwezi.
- Kuchepetsa nthawi yobwereketsa ngongole yanu. Kwa eni nyumba omwe adatenga ngongole yanyumba kumayambiriro kwa ntchito yawo, ngongole yanyumba yazaka 30 itha kukhala yopindulitsa. Koma kwa iwo omwe akufuna kulipira ngongole yanyumba yawo koyambirira, kuchepetsa nthawi yobwereketsa ndalama ikhoza kukhala njira yabwino.
- Sinthani kuchoka pamtengo wosinthira kubweza ngongole yokhazikika. Mukakhala ndi chiwongola dzanja chosinthika, zolipira zanu zimatha kusintha kapena kutsika monga chiwongola dzanja chimasintha. Kusintha ngongole yokhazikika pamalipiro odalirika komanso okhazikika pamwezi kumatha kupatsa eni nyumba chitetezo chodziwa kuti malipiro awo sangasinthe.
- Phatikizani ngongole yanu yoyamba yobweza ngongole ndi nyumba (HELOC). Powasinthira kuti akhale olipiritsa kamodzi pamwezi, mutha kuchepetsa ndalama zanu ndikuyang'ana ngongole imodzi. A HELOC nthawi zambiri amakhala ndi mitengo yosinthika, chifukwa chake kubweza ngongole yokhazikika kumatha kukupulumutsirani ndalama mtsogolo.
- Gwiritsani ntchito ndalama zomwe mumapeza kuti mupeze ndalama. Ndi zikuchulukirachulukira zakunyumba, mutha kukhala ndi ndalama zokwanira kuti muthe kuyambiranso ndalama. Ndalamazi zitha kugwiritsidwa ntchito kuthandizira kukonza nyumba, kubweza ngongole, kapena kugula zinthu zazikulu.
Kuopsa kwakubwezeretsanso ngongole
Kutengera ndi zolinga zanu komanso momwe mulili pachuma, ndalama zolipirira ndalama sizingakhale zabwino nthawi zonse. Ngakhale kuyambiranso kumapereka zabwino zambiri, muyeneranso kulingalira kuopsa kwake.
Mwachitsanzo, kuyambiranso ngongole yanyumba yanu kumayambitsanso njira yobwezera. Chifukwa chake ngati muli ndi zaka zisanu zolipira ngongole yazaka 30 ndikusankha kutenga ngongole yanyumba yazaka 30, mudzakhala mukubweza ngongole kwa zaka 35. Kwa eni nyumba, ili ndi lingaliro labwino, koma ngati muli nazo kale, nkuti, zaka 10 kapena 20 pakubweza kwanu, chiwongola dzanja cha moyo wonse sichingakhale chokwanira pazowonjezera zina.
Zikatero, eni nyumba ambiri amatenga ngongole yanthawi yayitali yomwe sichingakulitse ngongole zawo zanyumba, monga ngongole yazaka 20 kapena 15 (yomwe nthawi zambiri imaperekanso mitengo yotsika kuposa zaka 30).
Nthawi zambiri, kubweza ndalama ndi njira yabwino ngati chiwongola dzanja chatsopano chikutsika poyerekeza ndi chiwongola dzanja chanyumba yomwe muli nayo, ndipo ndalama zonse zomwe mwasunga zimapitilira mtengo wokonzanso. Mwachitsanzo, ngati mwatsala ndi $ 390,000 pa ngongole ya $ 400,000 pa 4.25%, m'malo mwanu ngongole yapa 3.75% kumatha kubweretsa $ 162 pamwezi poyerekeza ndi ngongole yanu yapita. *
* Mukamabwezeretsanso ngongole yanu yomwe mulipo, ndalama zanu zonse zitha kukhala zazikulu pantchito yobwereketsa.
Mafunso omwe amafunsidwa pafupipafupi okonzanso ndalama
Musanasankhe kukonzanso, ndikofunikira kukonzekera. Kuti muwone ngati ndinu wokonzeka kuperekanso ndalama, ganizirani mafunso otsatirawa.
Kodi ndiyenera kukonzanso zinthu ngati ndikungofuna kukhala m'nyumba mwanga kwa zaka zingapo?
Monga momwe mudagulira nyumba yanu koyambirira, mudzayenera kulipira chindapusa, misonkho, ndi kutseka ndalama pakubweza kwanu. Ndikofunikira kudziwa kuti zingatenge nthawi yayitali bwanji kuti mupumule ngakhale mutabwezeretsanso ngongole yanyumba. Malo obwerekera ndi pomwe ndalama zomwe zimasungidwa mwezi uliwonse popanganso ngongole yanyumba zimaposa mtengo wochokeranso.
Malinga ndi Consumer Financial Protection Bureau, muyenera kuganizira kuti zitenga nthawi yayitali bwanji kuti ndalama zomwe mwasunga mwezi uliwonse zitheke. Unikiraninso mtengo wotseka womwe mudalipira ngongole yanu yoyambirira yanyumba. Ndalama zowonjezeranso ndalama zitha kukhala zofanana. Lamulo lodziwika bwino la chala chachikulu limachitika pokhapokha chiwongola dzanja chatsopano chikakupulumutsirani ndalamazo pafupifupi zaka ziwiri (mwanjira ina, ngati mungaphwanye pafupifupi zaka ziwiri).
Chifukwa chake onetsetsani kuti mukuchita masamu ndikumvetsetsa momwe ngongole yatsopanoyo ikukhudzirani.
Kodi kubwezeretsanso ndalama kumakhudza bwanji ngongole yanga?
Sikuti ngongole zanu zokha zimathandizira kudziwa momwe mungabwezeretse ngongole yanyumba yanu, komanso zimatsimikizira chiwongola dzanja chomwe obwereketsa angakupatseni. Mwachidule, kukweza ngongole zanu, kumachepetsa chiwongola dzanja chanu.
Mwachitsanzo, wobwereka yemwe amakhala ndi ngongole yapa $ 250,000 ndi ziwongola dzanja za 640 akhoza kulipira pafupifupi $ 2,500 pachaka pazopereka chiwongola dzanja kuposa wobwereka wokhala ndi ngongole ya 760 . Ngati ngongole yanu yatsika kuyambira pomwe mudangopeza ngongole yanyumba, mutha kuyembekeza kulipira mitengo yokwera, yomwe imatha kunyalanyaza zabwino zilizonse zomwe mungapeze mukabwezeretsanso.
Kodi zotsala zotsala pa ngongole yanga ndi ziti?
Musanasaine ngongole yanyumba yatsopano, muyenera kuwunika momwe ngongole yanu iliri. Ngati muli mchaka chanu cha 15 cha ngongole yanu yazaka 30, mungafune kuwona zosankha zanu posachedwa. Izi ndizomveka kwa eni nyumba ambiri chifukwa zimawalola kuti azigwiritsa ntchito mitengo yotsika popanda kuzengereza tsiku lawo lolipira, zomwe nthawi zambiri zimapereka ndalama zambiri. *
Kodi ndikufunika kusinthasintha kapena dongosolo lolipira lolimba?
Kugwiritsa ntchito mobwerezabwereza ndalama ndikuchepetsa nthawi yobwereketsa ndikuimalipira posachedwa. Ngati chiwongola dzanja chanu pakadali pano ndi chotsika poyerekeza ndi chiwongola dzanja chanu pakadali pano, sizachilendo kukhala ndi ndalama yofananira yolipirira pamwezi ndikuchepetsa zaka zomwe mwabweza.
Mwachitsanzo, eni nyumba omwe ali ndi ngongole yanyumba yazaka 30 atha kubwerekanso ngongole yazaka 15. Izi zitha kukhala chisankho chabwino, koma pali zinthu zofunika kuziganizira:
Choyamba, obwereketsa ambiri amakulolani kuti mulipire ngongole yanyumba yanu koyambirira. Chifukwa chake ngati mukufuna kulipira ngongole yanu yazaka 30 pazaka 15 ndikulipira kwina, mutha kutero. Izi zitha kukuthandizani kuti mupange wamkulu mwachangu ndikusunga chiwongola dzanja. Zinthu zikasintha ndipo nthawi zikayamba kukhala zovuta, ndinu omasuka kubwezera kulipira kwa mgwirizano wazaka 30.
Kumbali inayi, ngongole yazaka 15 imapereka chiwongola dzanja chochulukirapo ndipo ingakuthandizeninso kukhazikitsa ndalama mwachangu, kuti muthe kukhala ndi nyumba yanu kwaulere komanso osalipira posachedwa.
Kodi ndalama zowonjezera zimapezeka pa FHA, VA, Jumbo, kapena USDA ngongole?
Inde, kutengera momwe zinthu ziliri pakadali pano, imodzi mwanjira izi ikhoza kukhala yomveka kwa inu. Kuphatikiza apo, ngati muli ndi ngongole wamba, FHA, VA, Jumbo, kapena USDA, pali zosankha zomwe zingaphatikizepo mapulogalamu angapo osavuta okonzanso. Mapulogalamu owonetseranso ndalama amapereka njira yovomerezera pochepetsa kapena kuchotsera zambiri zomwe mwapeza, ngongole, kapena kuwunikira komwe kumaphatikizidwa ndi mapulogalamu oyambiranso.
Kukhathamiritsa kwa VA kumatchedwa Kuchepetsa Kuchepetsa Ndalama, kapena IRRRL. Ndikofunikira kunena kuti ngongole zabwino zokonzanso ndalama sizingalolere njira yochotsera ndalama. Komanso, monga njira zina zowonjezeretsa ndalama, ngongole zosavuta zokonzanso ndalama zimatha kuwonjezera pamtengo wanu wonse pamoyo wa ngongoleyo.
Kodi ino ndiyo nthawi yoyenera kuwunikanso?
Pomaliza, ndikofunikira kuti tisanthule manambala kuti muwone ngati kubweza ndalama kumamveka bwino kwa inu. Ngakhale simunawongolereko m'mbuyomu, mapulogalamu amisonkho ndi mitengo yake imasintha nthawi zonse. Kusintha kumeneku, komanso kuwonjezeka kwa mitengo yakunyumba m'misika yosiyanasiyana, kumatha kukulolani kutsitsa mitengo yanu kapena zolipira pamwezi.
Koma simuyenera kuchita nokha! Oyang'anira ngongole a PennyMac amakhala okonzeka kuyankha mafunso anu ndikukuwongolerani panjira yopita kukonzanso bwino.
Voterani komanso kutalikitsanso ndalama nthawi
Mu kuyambiranso kwa Mtengo ndi nthawi, mutha kupeza ngongole yanyumba yatsopano yokhala ndi chiwongola dzanja chochepa, komanso nthawi yolipira yayifupi (zaka 30 zasinthidwa kukhala zaka 15).
Pokhala ndi chiwongola dzanja chaposachedwa kwambiri, kuyambiranso ngongole yanu yazaka 30 mu ngongole yanyumba yazaka 15 kumatha kumalipira mwezi uliwonse chofanana ndi ngongole yanu yoyamba. Izi ndichifukwa chakuchepa kwa chiwongola dzanja chomwe mungalipire pangongole yanu yatsopano, ngakhale zolipira ngongole yanyumba yazaka 15 ndizokwera kwambiri kuposa ngongole zazaka 30.
Chowonadi chokhudza Ngongole yobwereketsa chimati ndikofunikira kuti muwonetsetse kuti mwapezanso malo obwerekera musanasankhe kukonzanso ngongole yanyumba yomwe muli nayo. Izi ndizofunikira makamaka pamene ndalama za refinancing zimapezedwanso kudzera pamalipiro ochepa pamwezi obweza pamwezi.[1].
Kubwezeretsanso ndalama
Mukubwezeretsanso ndalama, mutha kuyambiranso mpaka 80 peresenti yamtengo wapatali wanyumba yanu. Ndicho chifukwa chake amatchedwa kukonzanso ndalama. Chifukwa chake tinene kuti nyumba yanu ndi $ 100,000 ndipo muli ndi ngongole ya $ 60,000 pa ngongole yanu. Banki yanu kapena wobwereketsa akhoza kukupatsani, ngati wobwereka woyenera, $ 20,000 mu ndalama, ndikupangitsani ngongole yanu yatsopano $ 80,000.
Mukubwezeretsanso ndalama, simukusunga ndalama nthawi zonse poperekanso ndalama, koma mumalandira fomu yobwereketsa chiwongola dzanja chochepa pa ndalama zofunika. Zifukwa zoperekera ndalama zitha kukhala kuti mungafune kukumba dziwe latsopano kuti mupume pantchito kumbuyo kwanu kapena kupita kutchuthi loto.
Dziwani kuti kutenga ngongole yanyumba kumachulukitsa kuchuluka kwanu[2]. Izi zitha kutanthauza kulipira kokulirapo komanso / kapena kwakanthawi. Kumbukirani kuti iyi si ndalama yaulere ndipo muyenera kubweza kwa wobwereketsa wanu.
Kusankha kuyambiranso ngongole yanyumba yanu sikuyenera kuchitika mopepuka. Ganizirani za mtengo wobwezeretsanso ndalama motsutsana ndi ndalama zomwe mwabwezera. Lankhulani ndi wokonza zandalama ngati mukukayika ngati mungakonzenso ndalama kapena ayi, komanso zina zomwe mungachite.
Zamkatimu
- Kodi kulipira ndalama ndi chiyani?
- Ubwino wokonzanso nyumba
- Kuopsa kwakubwezeretsanso ngongole
- Mafunso omwe amafunsidwa pafupipafupi okonzanso ndalama
- Kodi ndiyenera kukonzanso zinthu ngati ndikungofuna kukhala m'nyumba mwanga kwa zaka zingapo?
- Kodi kubwezeretsanso ndalama kumakhudza bwanji ngongole yanga?
- Kodi zotsala zotsala pa ngongole yanga ndi ziti?
- Kodi ndikufunika kusinthasintha kapena dongosolo lolipira lolimba?
- Kodi ndalama zowonjezera zimapezeka pa FHA, VA, Jumbo, kapena USDA ngongole?
- Kodi ino ndiyo nthawi yoyenera kuwunikanso?
- Voterani komanso kutalikitsanso ndalama nthawi
- Kubwezeretsanso ndalama
- Thandizo Kwa Ogula Koyamba Kunyumba Ku Florida
- Ndi Zolemba Zotani Zomwe Ndikufunika Kugula Nyumba Mu ...
- Kodi ndikufuna ngongole zingati kuti ndigule nyumba?
- Zofunikira Kuti Mugule Nyumba Yoyenda ku United States
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