11/30/2023

Pankhani yopezera ndalama zogulira nyumba, njira zachikhalidwe zobwereketsa si njira yokhayo yopezera eni nyumba.Ngongole zapanyumba zosavomerezeka zimapereka njira zina kwa anthu omwe sangayenerere kapena kusankha njira zina m'malo mwa ngongole zanyumba.Mu bukhuli lathunthu, tifufuza za ngongole zanyumba zosavomerezeka, ndikuwunika njira zomwe zilipo ndikupereka zidziwitso ngati zingakhale zoyenera pamikhalidwe yanu yapadera.

Kumvetsetsa Ngongole Zanyumba Zosavomerezeka

Tanthauzo

Ngongole zapanyumba zomwe sizinali zachikhalidwe zimaphatikizanso zinthu zina zomwe si zachikhalidwe zomwe zimapatuka pamtengo wokhazikika kapena wokhazikika woperekedwa ndi obwereketsa achikhalidwe.Ngongolezi zidapangidwa kuti zithandizire anthu omwe ali ndi vuto lazachuma, mbiri yangongole, kapena mitundu yosagwirizana ndi katundu.

Mitundu Ya Ngongole Zanyumba Zosavomerezeka

1. Ngongole Zachiwongola dzanja Chokha:
   • Tanthauzo: Obwereketsa amalipira chiwongola dzanja chokha pa ngongoleyo kwa nyengo yodziwika, kaŵirikaŵiri zaka zoyambirira za chiwongoladzanja.
   • Kukwanira: Ndikoyenera kwa iwo omwe akufuna ndalama zochepa zoyambira pamwezi ndikukonzekera kugulitsa kapena kubwezanso nthawi yobwezera isanayambike.
2. FHA 203(k) Ngongole:
   • Tanthauzo: Ngongole za Federal Housing Administration (FHA) zomwe zimaphatikizapo ndalama zowongolera nyumba kapena kukonzanso.
   • Kukwanira: Koyenera ogula nyumba omwe akufuna kugula chowongolera ndi kulipirira mtengo wokonzanso kubwereketsa nyumba.
3. Ngongole za USDA:
   • Tanthauzo: Mothandizidwa ndi dipatimenti ya zaulimi ya ku United States, ngongolezi zimafuna kulimbikitsa eni nyumba akumidzi.
   • Kuyenerera: Ndikoyenera kwa anthu omwe akugula nyumba kumadera akumidzi oyenerera omwe amalandira ndalama zochepa.
4. Ngongole za Bridge:
   • Tanthauzo: Ngongole zazifupi zimene zimatsekereza kusiyana pakati pa kugula nyumba yatsopano ndi kugulitsa nyumba yamakonoyo.
   • Kukwanira: Zothandiza kwa omwe ali munthawi yakusintha, monga kugulitsa nyumba imodzi ndikugula ina.
5. Ngongole Zanyumba Zosayenerera (Non-QM):
   • Tanthauzo: Ngongole zomwe sizikukwaniritsa zofunikira za Qualified Mortgage (QM), zomwe nthawi zambiri zimapangidwira pakanthawi kochepa.
   • Kukwanira: Ndikoyenera kwa iwo omwe ali ndi ndalama zomwe si zachikhalidwe kapena ndalama zapadera.

Ubwino ndi kuipa kwa Ngongole Zanyumba Zosavomerezeka

Ubwino

1. Kusinthasintha:
   • Ubwino: Ngongole zapanyumba zosagwirizana nazo zimapereka kusinthasintha malinga ndi mikhalidwe yoyenerera, kupangitsa kuti eni nyumba azitha kupezeka ndi anthu ambiri.
2. Tailored Solutions:
   • Ubwino: Ngongolezi zitha kupangidwa kuti zigwirizane ndi zosowa zenizeni, monga ndalama zokonzanso zinthu, kugula malo akumidzi, kapena kupeza ndalama zomwe si zachikhalidwe.

kuipa

1. Mitengo Yokwera:
   • Kuipa: Ngongole zina zosavomerezeka zimatha kubwera ndi chiwongola dzanja chokwera kapena chiwongola dzanja, zomwe zimapangitsa kuti pakhale ndalama zobwereka.
2. Zowopsa:
   • Kuipa: Kutengera mtundu wangongole yosavomerezeka, pangakhale zoopsa zambiri zomwe zingagwirizane nazo, monga kusintha kwa chiwongola dzanja kapena njira zina zoyenerera.

Kodi Ngongole Yanyumba Yosavomerezeka Ndi Yoyenera Kwa Inu?

Malingaliro

1. Mkhalidwe Wachuma:
   • Kuwunika: Unikani momwe ndalama zanu zilili, kuphatikiza ndalama zomwe mumapeza, mbiri yangongole, ndi zolinga zazachuma zanthawi yayitali.
2. Mtundu wa Katundu:
   • Kuwunika: Ganizirani za mtundu wa malo omwe mukufuna kugula, chifukwa ngongole zina zosavomerezeka zitha kukhala zoyenera pamitundu ina yake.
3. Kulekerera Ngozi:
   • Kuwunika: Onani kulekerera kwanu pachiwopsezo komanso ngati muli omasuka ndi kusinthasintha kulikonse kwa chiwongola dzanja kapena mtengo wogwirizana nawo.
4. Kukambirana:
   • Upangiri: Funsani katswiri wobwereketsa nyumba kuti muwone zambiri za njira zobwereketsa zosavomerezeka ndi kulandira upangiri wamunthu malinga ndi momwe mulili.

Mapeto

Ngongole zanyumba zosavomerezeka zimatsegula zitseko za eni nyumba kwa iwo omwe zinthu zawo sizingagwirizane ndi zofunikira zanyumba zanyumba.Ngakhale ngongole izi zimapereka kusinthasintha komanso njira zothetsera mavuto, ndikofunikira kuti mupende bwino zabwino ndi zoyipa, poganizira zandalama zanu, mtundu wa katundu, komanso kulekerera zoopsa.Kufunsana ndi katswiri wobwereketsa nyumba kungapereke zidziwitso zamtengo wapatali ndikukuthandizani kudziwa ngati ngongole yanyumba yosavomerezeka ndiyo njira yoyenera yokwaniritsira zolinga zanu za eni nyumba.Kumbukirani, chinsinsi ndikupeza ngongole yomwe ikugwirizana ndi zosowa zanu zapadera ndikukhazikitsani njira yopezera eni nyumba bwino.

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.