10/18/2023

M'malo osinthika a kubwereketsa kwazinthu zonse, kumvetsetsa njira zogulira ndikofunikira kwa onse obwereketsa ndi obwereketsa.Kugulidwa kwamitengo kumapereka njira yabwino yopezera ndalama zobwereketsa, zomwe zimalola obwereka kupeza chiwongola dzanja chambiri.M'nkhaniyi, tiwona zovuta za kubwereketsa kwamitengo yamtengo wapatali, kuwona kufunikira kwake, zosankha zomwe zilipo, komanso momwe kubwereketsa nyumba kumathandizira.

Kuwulula Lingaliro la Ma Rate Buydowns

Kodi Rate Buydown ndi chiyani?

Kugula mtengo kumaphatikizapo kulipira chiwongola dzanja chamtsogolo kuti muchepetse chiwongola dzanja cha ngongole yanyumba kwakanthawi.Kulipira kwapatsogoloku, komwe kumadziwika kuti "kugula mtengo," kumachepetsa ndalama zomwe wobwereka amalipira pamwezi pazaka zoyambirira za ngongoleyo.Lingaliroli limazungulira popereka obwereketsa kusinthasintha komanso kukwanitsa koyambirira kwa eni nyumba.

Ma Mechanics Kumbuyo kwa Rate Buydowns

Kugula kwamitengo kumagwira ntchito pa mfundo yosavuta.Obwereketsa, kapena obwereketsa, amapereka ndalama patsogolo kwa wobwereketsa wamkulu.Pobwezera, wobwereketsa wamkulu amavomereza kuchepetsa chiwongoladzanja pa nthawi yodziwika.Ndalama zam'tsogolozi zitha kubweretsa ndalama zambiri kwa obwereka, zomwe zimapangitsa kuti eni nyumba azitha kupezeka komanso kuwongolera, makamaka m'zaka zoyambirira.

Zosankha Zomwe Zilipo mu Ma Rate Buydowns

Kumvetsetsa njira zosiyanasiyana zogulira mitengo ndikofunikira kwa obwereketsa omwe akufuna kukulitsa zomwe abwereketsa.Nawa njira zogulira mitengo wamba:

1. Kugula kwakanthawi (Malipiro)

Obwereketsa amalipira ndalama zambiri patsogolo kuti achepetse chiwongola dzanja pa nthawi inayake, makamaka zaka zoyambirira za ngongoleyo.Izi zitha kupangitsa kuti malipiro achepe pamwezi pa nthawi yogula.

2. Zogula Zosatha

Kugula kosatha kumaphatikizapo kulipira kokulirapo, zomwe zimapangitsa kuti chiwongola dzanja chikhale chochepa pa nthawi yonse ya ngongole.Njirayi ndiyocheperako koma imapereka chiwongola dzanja chanthawi yayitali.

3. Kubwereketsa-Kulipiridwa Buydowns

Nthawi zina, obwereketsa amathandizira kuti mtengowo ugulidwe, mwina pang'ono kapena kwathunthu.Izi zitha kukhala mgwirizano pakati pa wobwereka ndi wobwereketsa.

Kufunika Pakubwereketsa kwa Magolosale

1. Ubwino Wopikisana Kwa Obwereketsa

Obwereketsa ogulitsa omwe amapereka njira zogulira zokopa amapeza mwayi wampikisano.Ogulitsa nyumba amatha kukopa obwereketsa popereka njira zopezera ndalama ndi zolipira zochepa zoyambira, zomwe zimapangitsa kukhala ndi nyumba kukhala kosangalatsa.

2. Kuthekera kwa Obwereka

Kugulidwa kwamitengo kumapangitsa kuti obwereka azitha kukwanitsa, makamaka m'zaka zoyambirira za eni nyumba.Kulipira koyambirira kocheperako kumatha kuchepetsa mavuto azachuma komanso kupereka malo ambiri opumira kwa eni nyumba atsopano.

3. Kusinthasintha pazachuma

Kugula kwamitengo kumapereka kusinthasintha pazandalama, kulola obwereketsa kusintha makonda awo anyumba malinga ndi zolinga zawo zachuma ndi zomwe amakonda.Kusinthasintha uku kumathandizira kubwereketsa kokhazikika komanso kokhutiritsa.

Navigation Rate Buydowns: Malingaliro a Wobwereka

Kwa obwereketsa akuganizira za kutsika mtengo, nazi njira zofunika:

1. Unikani Zolinga Zachuma

Yang'anani zolinga zanu zachuma ndikuwunika ngati mtengo wogula ukugwirizana ndi zolinga zanu za eni nyumba.Ganizirani bajeti yanu ndi ndondomeko zachuma za nthawi yaitali.

2. Kumvetsetsa Migwirizano

Mvetsetsani bwino lomwe zigamulo zogulira mitengoyo, kuphatikiza kutalika kwa chiwongola dzanja chochepetsedwa, mtengo wapatsogolo, ndi zosintha zilizonse zomwe zingasinthe mtsogolo.

3. Funsani ndi Akatswiri a Mortgage

Funsani chitsogozo kuchokera kwa akatswiri obwereketsa nyumba, kuphatikiza ma broker ndi obwereketsa.Atha kukupatsani zidziwitso pazosankha zogulira zomwe zilipo ndikukuthandizani kupanga chisankho mwanzeru.

4. Yerekezerani Zopereka

Pezani zotsatsa zingapo zogulira ndikuyerekeza kuti muzindikire mawu opindulitsa kwambiri.Musamangoganizira za mtengo wamtsogolo komanso momwe mungasungire nthawi yayitali komanso zotsatira zake pazachuma chanu chonse.

Mapeto

Zosankha zogulira pakubwereketsa kumabweretsa gawo lalikulu pandalama zanyumba, zomwe zimapindulitsa onse obwereketsa ndi obwereka.Kumvetsetsa zimango, kufufuza njira zomwe zilipo, ndi kuyendetsa ndondomekoyi ndi njira yobwereketsa kumathandiza kuti mukhale ndi chidziwitso chochuluka komanso chokhutiritsa chobwereketsa.Pomwe bizinesi yobwereketsa nyumba ikupitilira kukula, kugulidwa kwamitengo kumakhalabe chida chothandizira kuti athe kukwanitsa kukwanitsa komanso kupereka mayankho ogwirizana pamayendedwe obwereketsa wamba.

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.