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Nkhani za Mortgage

Pamene Chiwongola dzanja Chamakono Chitsika Pang'ono,
Refinance M
ayia Kusankha Kwabwino

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05/28/2022

Malinga ndi ndondomeko ya masiku ano, zaka 15 ndi zaka 20 zobwereketsa ngongole za ngongole zinatsika pang'ono poyerekeza ndi sabata yapitayi, zomwe zimapereka mwayi wopezera ndalama kwa eni nyumba omwe atsekeredwa mu imodzi mwa mitengo yochepa.Komabe, mitengo ya zaka 30 idakali pamwamba pa 5%, kotero eni nyumba omwe akufuna kukonzanso ndalama angakhale okwera mtengo kwambiri panthawi yochepa.

Ndalama zamasiku ano zobwereketsa zimalola obwereketsa kutseka pang'ono.Obwereketsa omwe amatha kulipira ndalama zambiri pamwezi angaganizire kutseka chiwongola dzanja kwa zaka 15, zomwenso zidatsika.Mlingo wazaka 15 ukhoza kupereka chiwongola dzanja chochulukirapo kwa obwereka kuposa kuchuluka kwa nthawi yayitali.Mulimonse momwe obwereketsa angasankhe, angafune kuchitapo kanthu posachedwa kuti atseke chiwongola dzanja chisanachitike mtsogolo.

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Kodi mitengo yanyumba yanyumba yasintha bwanji pakapita nthawi?

Malinga ndi Freddie Mac, mitengo ya chiwongola dzanja chamasiku ano ndi yotsika kwambiri kuposa avareji yapachaka—16.63% mu 1981. Mliri wa COVID-19 unakhudza chuma padziko lonse lapansi.Mu 2019 chiwongola dzanja chapakati pa chiwongola dzanja chokhazikika chazaka 30 chinali 3.94%, pomwe mu 2021, chiwongola dzanja chokhazikika chazaka 30 chinali 2.96%, otsika kwambiri pachaka m'zaka 30.

Kutsika kwachiwongola dzanja kumatanthauza kuti eni nyumba omwe ali ndi ngongole zanyumba kuyambira 2019 kapena m'mbuyomo atha kupulumutsa chiwongola dzanja pobwezanso ndalama zomwe zatsika masiku ano.Ndikofunika kuganizira zotsekera ndalama monga kuwerengera, kugwiritsa ntchito, chiyambi ndi malipiro a loya poganizira za kubwereketsa kapena kubwezeretsanso.Kuphatikiza pa chiwongola dzanja ndi kuchuluka kwa ngongole, zonsezi zimatha kuwonjezera mtengo wangongole.

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D Zosankha Pakati pa Chiwongola dzanja Chokhazikika ndi Chosinthika

Pamene Chiwongola dzanja cha Mortgage Chiwongola dzanja chikuchulukirachulukira, obwereka ayenera kuzindikira momwe amakhudzira chiwongola dzanja?

Ngongole zokhazikika sizisintha nthawi yonse ya ngongoleyo, koma zimakonda kukhala zokwera kuposa chiwongola dzanja cha chiwongola dzanja choyambirira.

Chiwongola dzanja choyambirira chandalama zosinthika, kapena ma ARM, nthawi zambiri zimakhala zotsika poyerekeza ndi ngongole zanyumba zokhazikika.Koma pambuyo pa nthawi yoyambira, chiwongola dzanja cha ma ARM chidzasintha, ndipo chikhoza kuwonjezeka kwambiri.Nthawi zoyambira zimatha kusiyanasiyana kuyambira miyezi ingapo mpaka chaka kapena zaka zingapo.Pambuyo pa nthawi yoyambilira, chiwongoladzanja cha obwereka chidzatengera index yodziwika ndi wobwereketsa.Ma ARM atha kuchepetsa kapena sangachepetse kuchuluka kwa chiwongola dzanja cha omwe akubwereka angachuluke.

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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: May-28-2022