Chiwongola dzanja chosinthika
Iyenera kuganiziridwa ndi Obwereka
06/09/2022
Pomwe mitengo yobwereketsa m'masabata aposachedwa yakwera mpaka kufika pazaka zopitilira khumi, obwereketsa ngongole akuganizira njira zawo zopezera ndalama.Malinga ndi bungwe la Mortgage Bankers Association, m'sabata yoyamba ya Meyi, pafupifupi 11 peresenti ya zopempha zanyumba zinali za ngongole zanyumba (ARMs), pafupifupi kuwirikiza kawiri gawo la ntchito za ARM miyezi itatu yapitayo pomwe mitengo yanyumba inali yotsika.
Malinga ndi akatswiri ena akanthawi, obwereketsa tsopano ali omasuka ku ma ARM chifukwa cha ndalama zomwe zingasungidwe.Mkhalidwe uliwonse ndi wosiyana, koma timawona chidwi kuchokera kwa nthawi yoyamba ndikubwereza ogula.Obwereka ochulukirachulukira akuwunikanso zosankha zawo zokhudzana ndi ngongole zanyumba zomwe zingasinthidwe motsutsana ndi ngongole zanyumba zokhazikika.Ogula obwereza amakhala omasuka kusankha ARM, pomwe ambiri ogula nyumba oyamba akupitilirabe ndi ngongole zanyumba zazaka 30.
Chiwongola dzanja chikakwera, obwereka amafuna ARM pazifukwa izi:
Choyamba, ARM imakhala yopindulitsa ngati obwereketsa adziwa kuti satenga katunduyo kwa zaka 15 kapena 30 za ngongole yokhazikika.Kachiwiri, lipotilo lidapeza kuti kukwera mtengo kwa nyumba kukukulirakulira - koma osati kulikonse.Chiwongoladzanja chikakwera, obwereka amatha kuganizira za ARM poyembekezera kuti mitengo idzatsika mtsogolo.Chachitatu, ena obwereketsa angadziwe kuti adzakhala ndi malo okhawo (kapena kulipirira) kwa zaka 5 mpaka 10, kupanga ARM yabwino pa dongosolo lawo lazachuma.
Ubwino wa ma ARM
Ma ARM ali ndi chiwongola dzanja chochepa panthawi yoyamba (monga zaka 5, 7 kapena 10), kotero kuti malipiro a mwezi ndi mwezi amakhala otsika kwambiri kuposa ngongole yokhazikika ya zaka 30.Ngakhale chiwongola dzanja chitakhala chokwera m'tsogolomu, obwereka nthawi zambiri amalandira ndalama zambiri panthawiyo.Ma ARM amapereka ndalama zowonjezera chifukwa chiwongoladzanja chogwirizana ndi gawo lokhazikika la ngongole yanyumba ndi yochepa mpaka chiwongoladzanja chisinthe.Ma ARM amalola obwereketsa kuti azitha kupeza nyumba yokwera mtengo kwambiri ndikubweza pang'ono.
Kuipa kwa ma ARM
Mitengo ya ARM nthawi zambiri imakhala yotsika kuposa ngongole zanyumba zokhazikika.Komabe, eni nyumba adzakhala ndi kusinthasintha kwa msika ndi chiwongoladzanja chosayembekezereka.Ngati chiwongola dzanja chikukwera kwambiri, zitha kukulitsa kwambiri malipiro a nyumba za obwereketsa komanso kuwaika m'mavuto azachuma.Palibe amene akudziwa zomwe zidzachitike ndi chiwongola dzanja.Ngati chiwongola dzanja chikukwera, obwereka akhoza kukhala pazachuma kuti athe kubweza ndalama zambiri.Kutsika kwa ARM kumakhudzana ndi kusatsimikizika kwa tsogolo la chiwongola dzanja.Kuwonjezeka kwa 2% kwa chiwongoladzanja pa ngongole ya $ 500,000 (kuchokera pa 4% mpaka 6%) kungapangitse chiwongoladzanja ndi $ 610 pamwezi.
Kodi ma ARM amagwira ntchito bwanji?
Ma ARM nthawi zambiri amakhala ndi zaka 5, 7, kapena 10 nthawi yokhazikika.Nthawi yokhazikika ikatha, chiwongola dzanjacho chimasinthidwa miyezi isanu ndi umodzi iliyonse kapena chaka chilichonse.
Mitengo yokhazikika ya obwereketsa imakhala yotsika pakanthawi yobwereketsa, nthawi zambiri zaka 5, 7, kapena 10.Kutengera ndi zomwe wabwereketsa ngongoleyo, chiwongola dzanja chikhoza kuwonjezeka ndi 2% pachaka kumapeto kwa nthawiyo, koma sichidzapitilira 5% pa moyo wa ngongoleyo.Chiwongola dzanja chitha kutsikanso.Pambuyo pa nthawi yokhazikika yokhazikika, malipiro atsopano a obwereka adzasinthidwa malinga ndi ndalama zomwe zatsala panthawiyo.Mwachitsanzo, chiwongoladzanja chikhoza kuwonjezeka ndi 2 peresenti, koma ngongole ya obwereketsa ikhoza kutsika ndi $ 40,000.
Opindula ndi Osapindula ndi ma ARM
ARM ikhoza kukhala njira yabwino kwa obwereka omwe akudziwa kuti sasunga katundu wawo nthawi yayitali kuposa nthawi yokhazikika ya ARM.Ma ARM ndi njira ngati wobwereketsa ali ndi kuthekera kwachuma kuti athe kupirira kusinthasintha kwa chiwongola dzanja komanso kubweza kwambiri.Obwereketsa ena amasankhanso ma ARM ngati ali otsimikiza kuti chiwongola dzanja chokwera komanso kukwera kwa chiwongoladzanja ndi chosakhazikika komanso kuti mitengoyo idzagwa ndikuwalola kubwezanso mtsogolo.Komabe, obwereketsa ambiri amakonda chisungiko chandalama cha chinthu chobwereketsa chokhazikika.
Ngati obwereketsa ali ndi malamulo abwino azachuma, ma ARM ndi njira zotheka.Ngati ali ndi ngongole zambiri zomwe zingachuluke pakapita nthawi, ARM ikhoza kukhala yowopsa pazachuma.Ma ARM amatumizira obwereketsa bwino omwe amadziwa kuti ngongole yawo ikhala pa malowo panthawi yokhazikika.Izi zimapewa kusatsimikizika kwa chiwongola dzanja chamtsogolo.
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.
Nthawi yotumiza: Jun-10-2022