The annual percentage rate (APR) ndi chiwongola dzanja chowonetsa mtengo wangongole ngati mtengo wapachaka. Mtengowu ukhoza kukhala wokwera kuposa mtengo womwe watchulidwa kapena mtengo womwe walengezedwa pa ngongole yanyumba, chifukwa umaganizira za ma account ndi ndalama zina zangongole. APR imalola ogula nyumba kuyerekezera mitundu yosiyanasiyana ya ngongole zanyumba malinga ndi mtengo wapachaka wa ngongole iliyonse. APR yapangidwa kuti iyese "mtengo weniweni wa ngongole." Zimapanga malo omwe amachitira obwereketsa. Zimalepheretsa obwereketsa kutsatsa ndalama zotsika ndikubisa ndalama.

APR simakhudza malipiro anu pamwezi. Zomwe mumalipira pamwezi zimangotengera chiwongola dzanja komanso kutalika kwa ngongoleyo.

Chifukwa kuwerengetsera kwa APR kumayendetsedwa ndi ndalama zosiyanasiyana zomwe amabwereketsa, ngongole yokhala ndi APR yotsika siili mtengo wabwinoko. Njira yabwino yofananizira ngongole ndi kufunsa obwereketsa kuti akupatseni chiwongolero chabwino cha mtengo wawo pa pulogalamu yomweyi (mwachitsanzo zaka 30 zokhazikika) pa chiwongola dzanja chomwecho. Kenako mutha kufufuta zolipiritsa zomwe sizikudalira ngongoleyo monga inshuwaransi ya eni nyumba, chindapusa, chindapusa cha escrow, chindapusa cha loya, ndi zina zotero. Tsopano onjezerani ndalama zonse zangongole. Wobwereketsa yemwe ali ndi ngongole zocheperako amakhala ndi ngongole yotsika mtengo kuposa wobwereketsa yemwe ali ndi ndalama zambiri zangongole.

Ndalama zotsatirazi zimaphatikizidwa mu APR:

Mfundo - zonse zochotsera komanso zoyambira

Chiwongola dzanja cholipiriratu. Chiwongola dzanja chomwe chinaperekedwa kuyambira tsiku lomwe ngongoleyo imatseka kumapeto kwa mwezi.

Ndalama zoyendetsera ngongole

Malipiro olembera

Document-kukonzekera ndalama

Private mortgage-inshuwaransi

Mtengo wa Escrow

Zolipira zotsatirazi nthawi zambiri siziphatikizidwa mu APR:

Mtengo kapena chindapusa

Ndalama za Loya Wobwereka

Ndalama zoyendera nyumba

Ndalama zojambulira

Misonkho yosamutsa

Lipoti la ngongole

Malipiro owerengera

Pansipa pali mndandanda wamakalata omwe amafunikira mukafunsira ngongole yanyumba. Komabe, vuto lililonse ndi lapadera ndipo mungafunike kupereka zolemba zina. Choncho, ngati mwafunsidwa kuti mudziwe zambiri, khalani ogwirizana ndipo perekani zomwe mwafunsidwa mwamsanga. Zidzathandiza kufulumizitsa ntchito yofunsira.

Katundu Wanu

Kopi ya mgwirizano wamalonda womwe wasainidwa kuphatikiza onse okwera

Kutsimikizira ndalama zomwe mudayika kunyumba

Mayina, maadiresi ndi manambala a foni a ogulitsa nyumba, omanga, ma inshuwaransi ndi maloya omwe akukhudzidwa

Copy of Listing Sheet ndi mafotokozedwe alamulo ngati alipo (ngati malowo ndi a condominium chonde perekani chilengezo cha condominium, malamulo apakhomo ndi bajeti yaposachedwa)

Ndalama Zanu

Makope amalipiro anu amasiku aposachedwa a 30 komanso achaka ndi chaka

Mafomu anu a W-2 azaka ziwiri zapitazi

Mayina ndi ma adilesi a olemba ntchito onse kwa zaka ziwiri zapitazi

Kalata yofotokoza za kusiyana kulikonse pantchito mzaka 2 zapitazi

Visa yantchito kapena khadi lobiriwira (kope kutsogolo & kumbuyo)

Ngati wodzilemba ntchito kapena kulandira ntchito kapena bonasi, chiwongola dzanja / zopindula, ndalama zobwereketsa:

Perekani zikalata zonse zamisonkho kwa zaka ziwiri zapitazi za PLUS za Profit and Loss statement (chonde perekani zolemba zonse zamisonkho kuphatikiza ma ndandanda ndi ziganizo zomwe zaphatikizidwa.

Ma K-1 a mabungwe onse ogwirizana ndi ma S-Corporations kwa zaka ziwiri zapitazi (chonde onaninso kawiri kubweza kwanu. Ma K-1 ambiri sanaphatikizidwe ku 1040.)

Kutsirizidwa ndi kusaina Federal Partnership (1065) ndi/kapena Corporate Income Tax Returns (1120) kuphatikiza ndandanda, ziganizo ndi zowonjezera kwa zaka ziwiri zapitazi. (Zofunikira pokhapokha ngati umwini wanu ndi 25% kapena kupitilira apo.)

Ngati mudzagwiritsa ntchito Alimony kapena Child Support kuti muyenerere:

Perekani chigamulo cha chisudzulo/chigamulo cha khothi chofotokoza kuchuluka kwake, komanso, umboni wa kulandila ndalama za chaka chatha

Ngati mulandira phindu la Social Security, Kulemala kapena VA phindu:

Perekani kalata yopereka mphoto kuchokera ku bungwe kapena bungwe

Gwero la Ndalama ndi Malipiro Ochepa

Kugulitsa nyumba yomwe mulipo - perekani kopi ya mgwirizano wogulitsa womwe wasainidwa panyumba yomwe mukukhala komanso mawu kapena mgwirizano wandandanda ngati sunagulitsidwe (pakutseka, muyenera kuperekanso chitsimikiziro/Chikalata Chotseka)

Ndalama zosungira, cheke kapena msika wandalama - perekani zolemba zamabanki m'miyezi itatu yapitayi

Masheya ndi ma bond - perekani zolemba zanu kuchokera kwa broker kapena makope a satifiketi

Mphatso - Ngati gawo la ndalama zanu kuti mutseke, perekani Gift Affidavit ndi umboni wa kulandila ndalama

Kutengera ndi zomwe zikuwonekera pa pempho lanu ndi/kapena lipoti lanu la ngongole, mungafunike kutumiza zolemba zina

Ngongole kapena Zofunikira

Konzani mndandanda wa mayina, maadiresi, manambala a akaunti, mabanki, ndi malipiro a mwezi uliwonse a ngongole zonse zomwe zilipo ndi makope a ziganizo zitatu zomaliza za mwezi uliwonse.

Phatikizanipo mayina, maadiresi, manambala a akaunti, ndalama zotsala, ndi zolipirira pamwezi za eni nyumba ndi/kapena eni nyumba kwa zaka ziwiri zapitazi.

Ngati mukulipira alimony kapena chithandizo cha ana, phatikizani chikhazikitso chaukwati / bwalo lamilandu lofotokoza zomwe muyenera kuchita.

Yang'anani kuti mulipire Ndalama Zofunsira (s)

Kupeza ngongole ndi njira yomwe obwereketsa amagwiritsa ntchito kuti adziwe ngati angakupatseni ngongole. Zambiri zokhudza inu ndi zomwe munakumana nazo pangongole, monga mbiri yanu yolipira ngongole, nambala ndi mtundu wa maakaunti omwe muli nawo, kubweza mochedwa, zosonkhanitsira, ngongole zomwe muli nazo, komanso zaka zamaakaunti anu, zimasonkhanitsidwa kuchokera ku pempho lanu langongole ndi lipoti lanu langongole. Pogwiritsa ntchito ndondomeko ya ziwerengero, obwereketsa amayerekezera chidziwitsochi ndi ntchito ya ngongole ya ogula omwe ali ndi mbiri yofanana. A credit scoring system amapereka mfundo pa chinthu chilichonse chomwe chimathandiza kudziwiratu yemwe angabwezere ngongole. Chiwerengero chonse cha mfundo -- mphambu yangongole -- imathandizira kuneneratu kuti ndinu oyenera kubweza ngongole, ndiye kuti, ndizotheka bwanji kuti mubweze ngongole ndikubweza nthawi yoyenera.

Zomwe zimagwiritsidwa ntchito kwambiri ndi ngongole za FICO, zomwe zinapangidwa ndi Fair Isaac Company, Inc. Zotsatira zanu zidzagwera pakati pa 350 (chiopsezo chachikulu) ndi 850 (chiopsezo chochepa).

Chifukwa lipoti lanu langongole ndi gawo lofunikira pamakina ambiri angongole, ndikofunikira kuwonetsetsa kuti ndi lolondola musanapereke fomu yofunsira ngongole. Kuti mupeze makope a lipoti lanu, funsani mabungwe atatu akuluakulu opereka malipoti angongole:

Equifax: (800) 685-1111

Experian (omwe kale anali TRW): (888) EXPERIAN (397-3742)

Trans Union: (800) 916-8800

Mabungwewa akhoza kukulipirani mpaka $9.00 pa lipoti lanu la ngongole.

Muli ndi ufulu kulandira lipoti limodzi laulere langongole miyezi 12 iliyonse kuchokera kumakampani apadziko lonse lapansi omwe amapereka malipoti angongole - Equifax, Experian ndi TransUnion. Lipoti laulere ili la ngongole silingakhale ndi ngongole zanu ndipo mutha kufunsidwa kudzera patsamba lotsatirali: https://www.annualcreditreport.com

Zitsanzo zokokera ngongole ndizovuta ndipo nthawi zambiri zimasiyana pakati pa omwe ali ndi ngongole komanso mitundu yosiyanasiyana yangongole. Chinthu chimodzi chikasintha, mphambu yanu imatha kusintha -- koma kusintha nthawi zambiri kumadalira momwe chinthucho chikugwirizanirana ndi zinthu zina zomwe zimaganiziridwa ndi chitsanzo. Wobwereketsa yekha ndi amene angafotokoze zomwe zingakulitse mphambu yanu pansi pa chitsanzo chomwe chimagwiritsidwa ntchito poyesa ntchito yanu ya ngongole.

Komabe, zogoletsa nthawi zambiri zimawunika mitundu iyi yazidziwitso mu lipoti lanu la ngongole

Ngakhale nthawi zambiri zimakhala zabwino kukhala ndi maakaunti angongole, maakaunti ambiri a kirediti kadi atha kukhala ndi zotsatira zoyipa pamagawo anu. Kuphatikiza apo, zitsanzo zambiri zimaganizira mtundu wamaakaunti angongole omwe muli nawo. Mwachitsanzo, pansi pa zitsanzo zina zogoletsa, ngongole zochokera kumakampani azachuma zitha kusokoneza ngongole yanu.

Zitsanzo zogoletsa zitha kutengera zambiri kuposa zomwe zili mu lipoti lanu la ngongole. Mwachitsanzo, chitsanzocho chikhoza kuganiziranso zambiri kuchokera ku pempho lanu la ngongole: ntchito yanu kapena ntchito, kutalika kwa ntchito, kapena ngati muli ndi nyumba.

Kuti muwongolere ngongole zanu pamitundu yambiri, yesetsani kulipira ngongole zanu pa nthawi yake, kubweza ndalama zomwe mwatsala, komanso osatenga ngongole yatsopano. Zitha kutenga nthawi kuti mukweze bwino kwambiri.

Malowa amasamutsidwa kuchokera kwa wogulitsa kupita kwa inu pa "Kutseka" kapena "Ndalama".

Potseka, umwini wa malowo umasamutsidwa kuchokera kwa wogulitsa kupita kwa inu. Izi zitha kuphatikiza inu, wogulitsa, wogulitsa nyumba, loya wanu, loya wa wobwereketsa, oyimira kapena oimira kampani ya escrow, ma clerk, alembi, ndi antchito ena. Mutha kukhala ndi loya kuti akuimirireni ngati simungathe kupezeka pa msonkhano wotseka, mwachitsanzo, ngati muli kunja kwa boma. Kutseka kumatha kutenga paliponse kuyambira ola limodzi mpaka angapo kutengera zomwe zachitika mwadzidzidzi pakugula, kapena maakaunti aliwonse a escrow omwe akufunika kukhazikitsidwa.

Zolemba zambiri potseka kapena kukhazikika zimachitidwa ndi maloya ndi akatswiri odziwa malo. Mukhoza kapena simungatenge nawo mbali muzochitika zina zotsekera; zimatengera amene mukugwira naye ntchito.

Musanatseke muyenera kuyang'ana komaliza, kapena "kuyenda-kudutsa" kuti mutsimikizire kuti kukonzanso komwe mwapemphedwa kunachitika, ndipo zinthu zomwe anavomera kukhalabe ndi nyumbayo zilipo monga ma drapes, zowunikira, ndi zina zotero.

M'maboma ambiri, chiwongoladzanjacho chimamalizidwa ndi kampani kapena kampani ya escrow pomwe mumatumiza zinthu zonse ndi zidziwitso zonse kuphatikiza macheke oyenerera kuti kampaniyo ibweza ndalamazo. Woimira wanu adzapereka cheke kwa wogulitsa, ndiyeno kukupatsani makiyi.

Mawu Oyamba

Mutuwu uli ndi zambiri za ngongole yanyumba yamtengo Wapamwamba, kuphatikiza:

· Tanthauzo la HPML

· Zofunikira pa ngongole ya HPML

Tanthauzo la HPML

Kawirikawiri, ngongole yobwereketsa yamtengo wapatali ndi imodzi yokhala ndi chiwongoladzanja chapachaka, kapena APR, yoposa mlingo wa benchmark wotchedwa Average Prime Offer Rate.

Average Prime Offer Rate (APOR) ndi chiwongola dzanja chapachaka chomwe chimatengera chiwongola dzanja, chiwongola dzanja, ndi mawu ena pangongole zoperekedwa kwa obwereketsa oyenereradi.

Ngongole yanu yobwereketsa idzatengedwa ngati ngongole yamtengo wapatali yamtengo wapatali ngati APR ili ndi gawo lina lapamwamba kuposa APOR kutengera mtundu wa ngongole yomwe muli nayo:

Ngongole zanyumba zoyamba: APR ndi 1.5 peresenti kapena kuposa APOR.

· Jumbo Loan: APR ndi 2.5 peresenti kapena kuposa APOR

Ngongole zanyumba zocheperako (Lien 2): APR yangongoleyi ndi 3.5 peresenti kapena kuposa APOR

Zofunikira pa ngongole ya HPML

Ngongole yobwereketsa yamtengo wapatali idzakhala yokwera mtengo kuposa yobwereketsa yokhala ndi mawu apakatikati. Chifukwa chake, wobwereketsa wanu akuyenera kuchitapo kanthu kuti atsimikizire kuti mutha kubweza ngongole yanu ndipo simungasinthe. Wobwereketsa wanu angafunike:

· Pezani kuwunika kwathunthu kwamkati kuchokera kwa woyesa wovomerezeka kapena wovomerezeka

• Perekani kuyezetsa kwachiwiri kwa nyumba yanu kwaulere, ngati ndi nyumba "Yosinthidwa".

•Nthawi zambiri, sungani akaunti ya escrow kwa zaka zosachepera zisanu

Mawu Oyamba

Mutuwu uli ndi zambiri za ATR Rule ndi Qualify Mortgage, kuphatikiza:

· Kodi lamulo la ATR ndi chiyani?

· Mitundu ya ngongole sinachotsedwe ku Qualify Mortgage

Kodi lamulo la ATR ndi chiyani?

Lamulo lokhoza kubweza ndiloyenera komanso kutsimikiza mtima kwabwino kwa omwe amabwereketsa ngongole amafunikira kuti athe kubweza ngongoleyo.

Pansi pa lamuloli, obwereketsa ayenera kudziwa, kulingalira, ndikulemba ndalama za wobwereketsa, katundu, ntchito, mbiri yangongole ndi ndalama zomwe amawononga pamwezi. Obwereketsa sangangogwiritsa ntchito mtengo woyambira kapena "teaser" kuti adziwe ngati wobwereketsa angabweze ngongole. Mwachitsanzo, ngati wobwereketsa ali ndi chiwongola dzanja chochepa chomwe chimakwera m'zaka zamtsogolo, wobwereketsayo ayenera kuyesetsa kuti aone ngati wobwereketsayo angaperekenso chiwongoladzanja chokwera.

Njira imodzi yomwe wobwereketsa angatsatire lamulo lokhoza kubweza ndi kupanga "Qualified Mortgage".

Mitundu ya Ngongole sinachotsedwe ku Qualify Mortgage

· Nthawi ya “chiwongola dzanja chokha”, pamene mupereka chiwongoladzanja chokha osapereka wamkulu, zomwe ndi ndalama zomwe munabwereka.

· "Negative amortization" yomwe ingapangitse wotsogolera ngongoleyo kuti achuluke pakapita nthawi, ngakhale mukulipira.

· "Malipiro a Baluni" omwe ndi malipiro akulu kuposa masiku onse kumapeto kwa nthawi yobwereketsa. Nthawi yobwereketsa ndi nthawi yomwe ngongole yanu iyenera kubwezeredwa. Dziwani kuti malipiro a mabaluni amaloledwa pansi pazifukwa zina za ngongole zopangidwa ndi obwereketsa ang'onoang'ono.

· Nthawi zangongole zomwe ndi zazitali kuposa zaka 30.

Ma bond okhulupilika amapangidwa kuti ateteze omwe ali ndi malamulo awo kuti asataye chilichonse chomwe chimachitika chifukwa cha zochita zovulaza kapena zachinyengo ndi maphwando omwe awonetsedwa. Nthawi zambiri, maubwenzi okhulupilika amagwiritsidwa ntchito kuteteza mabungwe ku zochita za anthu osakhulupirika.

Ngakhale kuti amatchedwa ma bond, ma bond okhulupilika ndi mtundu wa inshuwaransi kwa mabizinesi/olemba ntchito, kuwateteza kuti asawonongeke chifukwa cha ogwira ntchito (kapena makasitomala) omwe amavulaza bizinesi mwadala. Amayang'ana zochita zilizonse zomwe zingapindulitse wogwira ntchito molakwika pazachuma kapena kuvulaza bizinesi mwadala. Ma bond okhulupilika sangagulidwe ndipo samapeza chiwongola dzanja ngati ma bond wamba.

 

Chidule

Ma bond okhulupilika amateteza omwe ali ndi malamulo awo kuzinthu zoyipa zomwe zimachitidwa ndi antchito kapena makasitomala.

Pali mitundu iwiri ya ma bond odalirika: ma bond a chipani choyamba (omwe amateteza makampani kuzinthu zovulaza za ogwira ntchito kapena makasitomala) ndi ma bond a chipani chachitatu (omwe amateteza makampani ku machitidwe ovulaza a ogwira nawo ntchito).

Ma bond ndi othandiza chifukwa ndi gawo la njira zoyendetsera ngozi zakampani, kutsekereza kampaniyo kuzinthu zomwe zingasokoneze chuma chawo.

Zomangirazo zimaphimba zinthu zambiri zomwezo zomwe zimaphimbidwa ndi inshuwaransi zoyambira zaupandu monga kuba ndi kuba, koma amaphimbanso zinthu zomwe malamulowa sangatero. Izi zikuphatikizapo zinthu monga chinyengo, chinyengo, chinyengo, ndi zina zambiri za "white collar" zomwe zingathe kuchitidwa ndi ogwira ntchito m'mabungwe azachuma ndi makampani akuluakulu.

Ngongole yobwereketsa nyumba - yomwe imadziwikanso kuti ngongole ya equity , ngongole yobwereketsa nyumba , kapena ngongole yachiwiri - ndi mtundu wa ngongole ya ogula. Ngongole za eni nyumba zimalola eni nyumba kubwereketsa ndalama zomwe zili m'nyumba zawo. Ngongoleyi imachokera pa kusiyana pakati pa mtengo wa msika wamakono wa nyumbayo ndi ndalama zomwe mwini nyumba amayenera kulipira. Ngongole za ngongole zanyumba zimakhala zokhazikika, pomwe njira zina, mizere ya ngongole zanyumba (HELOCs), nthawi zambiri imakhala ndi mitengo yosinthika.

ZOFUNIKA ZOFUNIKA:

Ngongole yobwereketsa nyumba, yomwe imadziwikanso kuti "ngongole yobwereketsa nyumba" kapena "ngongole yachiwiri," ndi mtundu wangongole ya ogula.

Ngongole zogulira nyumba zimalola eni nyumba kubwereka ndalama zomwe akukhalamo.

Ngongole za ngongole zanyumba zimatengera kusiyana pakati pa mtengo wamsika wapanyumba ndi ndalama zanyumba zomwe ziyenera kubwerekedwa.

Ngongole zanyumba zimabwera m'mitundu iwiri—ngongole zokhazikika komanso mizere yangongole yanyumba (HELOCs).

Ngongole zokhazikika zapanyumba zimapereka ndalama imodzi, pomwe ma HELOC amapereka ngongole kwa obwereka.

Mukachedwetsa ndalama, mutha kutenga ndalama pamalopo kuti mulipire mtengo wogulira ndi kutseka kwa malo omwe mudagula kale ndi ndalama. . Izi zimakuthandizani kuti mukhale ndi mwayi wokhala wogula ndalama ndikupatsa ogulitsa mwayi wodziwa kuti malondawo atsekedwa, ndikukupatsani mwayi wopeza ngongole posakhalitsa kuti mupewe kusunga ndalama zonse m'nyumba mwanu.

Mutha kuganiza za kuchedwa kwandalama ngati njira yodzipezera mwayi wokambilana womwe umabwera limodzi ndi kulipira ndalama zogulira nyumbayo, kwinaku mukudzipatsanso mwayi wopeza ndalama zomwe mumapeza polipira ngongole pamwezi m'malo modzipangitsa kukhala "osauka kunyumba."

Mtengo wobwereketsa ndi wofunikira kwambiri pogula malo ogulitsa. Ndiye tingadziwe bwanji mtengo wa renti? Mawebusayiti otsatirawa atha kukuthandizani.

Palibe malowedwe ofunikira, aulere.

Zillow.com

http://www.realtor.com/

Mawebusayiti awiri omwe ali pamwambawa ndi omwe amagwiritsidwa ntchito kwambiri. Iwo ali ndi katundu waukulu kwambiri, omwe ali ndi malo ambiri, ndipo amapereka ntchito zomwe zimatenga eni nyumba kuchoka ku malonda kupita kubwereketsa.

https://www.huduser.gov/portal/datasets/fmr.html

Webusaiti yovomerezeka ya OFFICE OF POLICY DEVELOPMENT AND RESEARCH.

Mawebusayiti atatuwa pamwambapa ayenera kukhala okwanira kuti mudziwe kuchuluka kwa renti yamsika.

Komabe, izi ndi zanu zokha, ngati ndalama zobwereketsa zidzagwiritsidwa ntchito popeza ndalama zoyenerera, lipoti lakuyesa kapena mgwirizano wa lendi ungafunikebe.

Ngongole zanthawi zonse zimakhala ndi malire a chiŵerengero cha DTI/ Reserves/ LTV/ Ngongole. Nthawi zambiri, obwereketsa ambiri amatha kukhala ndi ngongole wamba yokhala ndi ndalama zambiri komanso ngongole. Ngakhale kwa ena obwereketsa, ndalama zomwe amapeza zimakhala zochepa kapena zimakhala ndi mitundu yosiyanasiyana ya ndalama zomwe zimabweretsa kubweza misonkho yoyipa; Ngongole za Fannie Mae sizingavomereze izi ngati ngongole zanyumba.

Pazifukwa izi, mutha kuyesa kupeza wobwereketsa wobwereketsa yemwe amapereka zinthu zomwe si za QM. AAA Lendings tsopano ikupereka Bank Statement, Platinum Jumbo, Investor Cash Flow (Palibe chidziwitso cha ntchito, Palibe chifukwa cha DTI), Kuwonongeka kwa katundu ndi mapulogalamu akunja akunja. Aliyense angapeze mankhwala oyenera ndi mtengo wotsika komanso mtengo wabwino kwambiri.

Nazi zitsanzo zochepa za zochitika zoyamikira posachedwa:

Ogulitsa nyumba omwe ali ndi katundu wambiri kuphatikiza ma condos osavomerezeka. ----- Investor Cash Flow

Wobwereketsa wodzilemba yekha wokhala ndi ngongole yabwino kwambiri yemwe ndalama zake zoperekedwa pamisonkho sizingawayenerere kukhala ndi nyumba yabwino kwambiri yomwe angakwanitse. ----Ku Bank Statement Only

Mkhalidwe wakugwa komwe wobwereka anali ndi zaka ziwiri zokha kuchokera pakulandidwa. ---- Platinum Jumbo

Wobwereketsa anagulitsa bizinesi yawo ya madola mamiliyoni ambiri ndipo kenaka anapeza nyumba ya maloto awo koma analibe gwero la ndalama zoti alembe.----Kuwonongeka Kwakatundu