11/28/2023

Kuyamba ulendo wa eni nyumba kumabweretsa funso lofunika kwambiri: Kodi mukufunikira ngongole yanji kuti mugule nyumba?Kufufuza zovuta za ngongole za ngongole pogula nyumba ndizofunikira kwambiri.Buku lathunthu ili likufuna kumasula zovutazo, kukupatsani zidziwitso zofunikira komanso malangizo otheka kuti akupatseni mphamvu pakukwaniritsa zolinga zanu za eni nyumba.

Kulemba Zomwe Zimayambira pa Ngongole

Zofunikira pa Ngongole:

Pachimake, chiwongolero cha ngongole chimakhala ngati chisonyezero cha chiwerengero cha munthu yemwe ali ndi ngongole, zomwe zikuphatikizapo mbiri yawo ya ngongole ndi khalidwe lachuma.Ku United States, mphambu ya FICO, kuyambira 300 mpaka 850, ndiyomwe imayang'anira kwambiri zigoli.

Zokhudza Kugula Nyumba:

Kufunika kwa chiwongola dzanja chanu kumawonekera kwambiri pakuvomereza kubwereketsa nyumba.Obwereketsa amakulitsa chiwongola dzanja ichi kuti awone chiwopsezo chokhudzana ndi kubwereketsa kwa inu.Ngongole yokwezeka nthawi zambiri imatanthawuza mawu abwino obwereketsa nyumba, zomwe zimakhudza chiwongola dzanja ndi njira zangongole.

Kudutsa pa Credit Score Spectrum

Zabwino kwambiri (800-850):

Anthu omwe ali ndi ngongole zabwino kwambiri amapeza ngongole zabwino kwambiri komanso chiwongola dzanja.Mbiri yawo yangongole imadziwika ndi moyo wautali, kusachita bwino, komanso kubweza mochedwa kapena kugwiritsa ntchito ngongole.

Zabwino Kwambiri (740-799):

Amene ali ndi ngongole zabwino kwambiri amasangalalabe ndi maudindo abwino, oyenerera kubweza ngongole zanyumba ndi chiwongoladzanja chopikisana.

Zabwino (670-739):

Ngongole yabwino imayimira mbiri yolimba yangongole, zomwe zimalola obwereka kuti azipeza ngongole yanyumba.Komabe, mawu sangakhale abwino ngati omwe ali ndi zigoli zambiri.

Zabwino (580-669):

Pankhani yangongole yabwino, obwereka amatha kukumana ndi zovuta zangongole.Ngakhale kupeza ngongole ndi kotheka, mawuwo sangakhale abwino, ndi chiwongoladzanja chokwera.

Osauka (300-579):

Anthu omwe ali ndi ngongole yosauka amakumana ndi zovuta zambiri popeza ngongole yanyumba.Obwereketsa amawaona ngati obwereketsa omwe ali pachiwopsezo chachikulu, zomwe zimapangitsa kuti mawu abwino azikhala ovuta.

Ngongole Yocheperako Pamitundu Yosiyanasiyana Ya Ngongole

Ngongole Zanthawi Zonse:

Pangongole wamba, ngongole yochepera 620 ndiyofunikira.Komabe, kuyang'ana 740 kapena kupitilira apo ndikofunikira pamawu abwino kwambiri.

Ngongole za FHA:

Ngongole za FHA zimawonetsa kulekerera kwambiri, kulola obwereketsa omwe ali ndi ngongole zotsika mpaka 500 kuti ayenerere.Komabe, mphambu za 580 kapena kupitilira apo ndizoyenera kulipira pang'ono.

VA Ngongole:

Ngongole za VA, zopangidwira omenyera nkhondo komanso asitikali omwe ali okangalika, nthawi zambiri amakhala ndi zofunikira zosinthika zangongole.Ngakhale palibe chocheperako chovomerezeka, mphambu pamwamba pa 620 nthawi zambiri ndiyofunikira.

Ngongole za USDA:

Ngongole za USDA, zopangira obwereketsa omwe amapeza ndalama zochepa kumadera akumidzi, nthawi zambiri zimafunikira kuti abwereke 640 kapena kupitilira apo.

Kukwezera Ngongole Yanu Pakugula Kwanyumba

1. Onani Lipoti Lanu Langongole:

• Nthawi zonse muziunika lipoti lanu la ngongole ngati muli ndi zolakwika.
• Kambiranani zolakwika zilizonse kuti muwonetsetse kuti mbiri yanu yangongole ili yowona.

2. Malipiro anthawi yake:

• Khalani ndi chizolowezi cholipira ngongole zonse panthawi yake kuti mukhazikitse mbiri yabwino yolipira.
• Lingalirani zokhazikitsa zolipirira zokha kuti muchepetse chiwopsezo cha masiku omwe muphonya.

3. Chepetsani Ngongole Zomwe Muli Nazo:

• Yesetsani kuchepetsa ndalama zogulira makhadi ndi ngongole zonse.
• Sungani kugwiritsa ntchito ngongole pansi pa 30% ya malire anu a ngongole.

4. Pewani Kutsegula Njira Zatsopano Zangongole:

• Kutsegula maakaunti atsopano angongole kumatha kutsitsa kwakanthawi kochepa kwanu.
• Chepetsani kufunsa kwangongole kwatsopano, makamaka pafupi ndi njira yogulira nyumba.

5. Lumikizanani ndi Phungu wa Ngongole:

• Ngati kuli kofunikira, funsani chitsogozo kuchokera kwa mlangizi wa ngongole kuti apange ndondomeko yoyenera kuti muwongolere.

Mapeto

Pomaliza, kuchuluka kwangongole komwe kumafunikira pogula nyumba kumadalira zinthu zosiyanasiyana, kuphatikiza mtundu wangongole ndi zomwe wobwereketsa amafuna.Ngakhale mapulogalamu ena angongole amakhala ndi ziwongola dzanja zotsika, kufunitsitsa kuti muwongolere bwino kumakulitsa luso lanu lopeza ndalama zogulira ngongole.Kuyang'anira ngongole yanu nthawi zonse, kuthetsa kusamvana kulikonse, ndikukhala ndi zizolowezi zachuma ndi njira zomwe zingakuthandizeni kuti mukwaniritse zolinga zanu zangongole, motero, kukwaniritsa maloto anu okhala ndi nyumba.

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