11/15/2023

Mukayang'ana pazachuma chobweza ndalama, kumvetsetsa lingaliro la "zokometsera zotulutsa ndalama" ndi zofunikira zake zimakhala zofunika kwambiri.Bukuli likufuna kumasulira zovuta za zokometsera zochotsera ndalama, ndikuwunika tanthauzo lake, kufunikira kwake, ndi zofunikira zomwe obwereketsa amafuna.

Kufotokozera Nthawi Yotulutsa Ndalama

Zokometsera zotulutsa ndalama zimatanthawuza nthawi yomwe mwininyumba amayenera kudikirira pakati pa kugula nyumba koyamba kapena kukonzanso ndalama ndi kukonzanso ndalama.Nthawi yodikirayi ndi njira yochepetsera chiopsezo kwa obwereketsa, kuonetsetsa kuti wobwereketsayo ali ndi mbiri yokhazikika yolipira komanso ndalama zokwanira asanapeze ndalama zowonjezera.

Kufunika Kowonjezera Ndalama

Nthawi yothira ndalama imagwira ntchito zingapo, kuphatikiza:

1. Kuchepetsa Chiwopsezo: Obwereketsa amagwiritsa ntchito zofunikira zokometsera kuti achepetse chiopsezo chokhudzana ndi kubweza ndalama.Nthawi yodikirira imawalola kuti awone momwe wobwereka akubweza ndi kukhazikika kwa mtengo wa katundu.
2. Chitsimikizo Chamtengo Wapatali: Nthawi yodikirira imathandizira kutsimikizira kuti malowo adayamikiridwa ndi mtengo wake, ndipo wobwereka wapanga ndalama zokwanira.Izi zimatsimikizira chiŵerengero chotetezeka cha ngongole ndi mtengo.
3. Kuwunika kwa Mbiri Yakulipira: Obwereketsa amagwiritsa ntchito nthawi yowunikira kuti awone mbiri ya wobwereketsa.Kulipira kosasintha komanso munthawi yake kumakulitsa kukongola kwa wobwereketsa.

Zofunikira pa Kutulutsa Ndalama: Zofunika Kwambiri

1. Mtundu wa Ngongole

Mtundu wa ngongole yomwe wobwereka akubweza umakhala ndi gawo lofunikira.Pangongole wamba, zokometsera zomwe zimafunikira nthawi zambiri zimakhala miyezi isanu ndi umodzi, pomwe ngongole za FHA nthawi zambiri zimakhala ndi nyengo ya miyezi 12.

2. Ngongole Score

Obwereketsa omwe ali ndi ngongole zambiri atha kukhala ndi nthawi yocheperako, popeza kuti ali ndi ngongole zakhazikitsidwa kale.

3. Kukhala Occupancy

Kukhala kwa malowo - kaya ndi nyumba yoyamba, nyumba yachiwiri, kapena malo osungiramo ndalama - kungakhudze zofunikira za nyengo.Malo okhalamo nthawi zambiri amakhala ndi zofunikira zokometsera zokometsera.

4. Chiyerekezo cha Ngongole ndi Mtengo (LTV).

Obwereketsa angaganizire za chiŵerengero cha ngongole ndi mtengo pofufuza zofunikira za zokometsera.Chiŵerengero chochepa cha LTV chikhoza kubweretsa nthawi yaifupi ya zokometsera.

5. Mbiri ya Malipiro

Mbiri yolipira yosasinthika komanso yabwino panthawi yobwereketsa ingathandize kuti pakhale kufunikira kosinthika.

Kuyenda Nthawi ya Cash-Out: Malangizo kwa Obwereketsa

1. Kumvetsetsa Ndondomeko Zobwereketsa

Obwereketsa osiyanasiyana akhoza kukhala ndi zofunikira zosiyanasiyana zokometsera.Kumvetsetsa mfundo za omwe angakhale obwereketsa ndikofunikira pokonzekera kubweza ndalama.

2. Limbikitsani Kukhala ndi Ngongole

Kuchulukitsa kuchuluka kwa ngongole yanu kumatha kukhudza zofunikira zokometsera.Yang'anani pakupanga malipiro anthawi yake ndikuwongolera zovuta zilizonse pa lipoti lanu la ngongole.

3. Unikani Katundu Wofanana

Onetsetsani kuti katundu wanu wayamikiridwa ndi mtengo wake, zomwe zimathandizira kuti pakhale chiwongolero chabwino cha ngongole ndi mtengo.Izi zitha kupangitsa kuti pakhale zokometsera zambiri zofunika.

4. Funsani ndi Akatswiri a Mortgage

Lumikizanani ndi akatswiri obwereketsa nyumba kuti mudziwe zomwe mungafune kuti muzitha kutengera nyengo malinga ndi momwe mulili komanso zolinga zanu zachuma.

Kutsiliza: Kupanga zisankho zodziwitsidwa pakubweza ndalama

Pamene mukuganizira za kubweza ndalama, kuyang'ana momwe zimafunikira zokometsera ndi gawo lofunikira kwambiri popanga zisankho.Pomvetsetsa zinthu zomwe zimakhudzira zokometsera za ndalama, kuwunika momwe zinthu ziliri, ndikugwirira ntchito limodzi ndi akatswiri odziwa bwino zanyumba zobwereketsa, mutha kukhala ndi mwayi wochita bwino pakubweza ndalama.Kumbukirani kuti njira iliyonse yobwereketsa ndi yapadera, ndipo kukonza njira yanu kuti ikwaniritse zofunikira za obwereketsa kumathandizira kuti pakhale zotulukapo zabwino paulendo wanu wakubweza ndalama.

Ndemanga: Nkhaniyi idasinthidwa ndi AAA LENDINGS;zina mwazithunzi zidatengedwa pa intaneti, pomwe malowa sakuyimiridwa ndipo sangasindikizidwenso popanda chilolezo.Pali zoopsa pamsika ndipo ndalama ziyenera kukhala zosamala.Nkhaniyi sikupanga upangiri wandalama zaumwini, komanso sikuganizira zolinga zazachuma, zachuma kapena zosowa za ogwiritsa ntchito.Ogwiritsa ntchito akuyenera kuganizira ngati malingaliro, malingaliro kapena malingaliro omwe ali pano ali ogwirizana ndi momwe alili.Invest molingana ndi chiopsezo chanu.