08/14/2023

I. Kusunga Ndalama Pa Ngongole Yanu Yoyamba Yanyumba
Kwa obwereketsa omwe amalipidwa, kupeza ngongole yanyumba kwa nthawi yoyamba ndi chisankho chachikulu chandalama.

Mawu akuti "wogula nyumba koyamba" nthawi zambiri amatanthauza munthu amene akugula malo kwa nthawi yoyamba, kapena amene alibe malo aliwonse m'zaka zitatu zapitazi.Kaya ndinu ogula nyumba koyamba zimatengera mbiri yanu ya umwini wa katundu.Nazi zina zomwe mungagwiritse ntchito kudziwa momwe mulili:

- Simunakhalepo ndi malo aliwonse: Ngati simunagulepo malo, mumatengedwa ngati wogula nyumba koyamba.
- Simunakhale ndi malo pazaka zitatu zapitazi: Ngakhale mutakhala ndi malo kale, ngati padutsa zaka zitatu kuchokera pamene mudagulitsa malowo, mutha kuwoneka ngati wogula koyamba.
- Munali ndi katundu ndi mwamuna kapena mkazi wanu m’mbuyomu: Ngati munali pabanja ndipo munali ndi katundu ndi mwamuna kapena mkazi wanu, koma panopa simuli pabanja ndipo mulibe malo anu nokha, mukhoza kuonedwa ngati wogula nyumba koyamba.

Njira zotsatirazi zingakuthandizeni, monga wobwereka wolipidwa, kusunga ndalama:
Sankhani mtundu woyenera wangongole: Ngongole zothandizidwa ndi Boma, monga za Federal Housing Administration (FHA) ndi Veterans Affairs (VA), nthawi zambiri zimakhala ndi chiwongola dzanja chochepa komanso zochepera zolipira.Kuphatikiza apo, AAA LENDINGS ili ndi chinthu chopangidwira antchito ogula nyumba - WVOE.
Mumangofunika fomu ya WVOE kuti muwerengere ndalama zomwe mukuyenera kulandira, osafunikira zolemba zina zilizonse zopeza.Kuphweka uku kumapangitsa WVOE kukhala yokongola kwambiri.Kuphatikiza apo, mosiyana ndi mapulogalamu ena, WVOE safuna kuti olembetsa akhale ndi katundu wambiri.Tsatanetsatane ➡Pulogalamu ya WVOE

Khalani ndi chiwongola dzanja chabwino changongole: Magawo anu angongole amakhudza mwachindunji chiwongola dzanja cha ngongoleyo.Olembera omwe ali ndi ngongole zambiri amatha kupeza chiwongola dzanja chochepa, zomwe zingakupulumutseni ndalama zambiri panthawi yobwereketsa.

Pezani wogwira ntchito yobwereketsa: Upangiri waukatswiri nthawi zambiri umatha kukupulumutsirani ndalama pazinthu zosiyanasiyana.

Gwiritsani ntchito maphunziro a ngongole ndi uphungu: Mabungwe osiyanasiyana osachita phindu ndi madipatimenti aboma amapereka maphunziro a ngongole aulere kapena otsika mtengo komanso upangiri.Ntchitozi zitha kukuthandizani kuti mumvetsetse mbali zosiyanasiyana zangongole, monga chiwongola dzanja, chiwongola dzanja, mawu angongole, ndi zina zambiri, kukulolani kuti mupange zisankho zanzeru.
II.Mfundo Zofunika Kuzikumbukira mu Njira Yobwereketsa
Panthawi yobwereketsa, samalaninso mfundo izi:

Pangani chivomerezo chabwino chobwereketsa: Kuvomereza kubwereketsa kumakuthandizani kumvetsetsa kuchuluka kwa ngongoleyo komanso chiwongola dzanja chanu pasadakhale, zomwe zingakuthandizeni kumveketsa bwino bajeti yanu ndikupanga mapulani ogulira nyumba.
Samalani nthawi yobwereketsa: Kutalika kwa nthawi yobwereketsa kudzakhudza kuchuluka kwa kubweza pamwezi ndi chiwongola dzanja chonse.Ndikofunika kusankha nthawi yoyenera yobwereketsa kutengera momwe ndalama zanu zilili.
Mvetsetsani mawu onse: Musanasaine mgwirizano wa ngongole, onetsetsani kuti mwamvetsetsa ndikuvomera zonse zomwe zikuyenera kuchitika kuti mupewe mavuto osafunikira pambuyo pake.

III.Mapulogalamu Oyenera Ngongole
Kwa obwereketsa omwe amalipidwa, kuwonjezera pa pulogalamu yathu ya WVOE, tili ndi ngongole ya QM Community Loan ingakhalenso yothandiza, osati kwa ogula nyumba koyamba:

- Zosintha Zonse Zasinthidwa (Freddie Mac Yekha), kupatula katundu wa 2-4 unit ndi ma condos ophatikizidwa;
- Palibe Maphunziro Ofunika;
- Mutha kulandiranso ngongole yobwereketsa;
- Palibe Malire Opeza;
- Nyumba Yokhazikika Yokha.
Tsatanetsatane ➡QM Community Ngongole

Zonsezi, kwa obwereketsa omwe amalipidwa, kupeza ngongole ku United States sikungatheke.Malingana ngati mupanga mapulani oyenera, kumvetsetsa ndi kugwiritsa ntchito zonse zomwe zilipo, mutha kukwaniritsa maloto anu okhala ndi nyumba.

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.