Bwanji Do The Rndi Copa Wizi Inflation?
08/20/2022
Ndinadabwa kumva bwenzi langa lakale Tom akulankhula za zomwe adakumana nazo pakugulitsa nyumba.
Tom anayamba ntchito yake mu 2011. Mosiyana ndi ine, anayamba kugulitsa malo ndi nyumba kuyambira 2014. Kupatula ndalama zake za tsiku ndi tsiku, ndalama zake zonse zimagulitsidwa pamsika wogulitsa nyumba.
Pamwamba pa izi, adabwereka ndalama kwa obwereketsa osiyanasiyana kuti agulire nyumba.Pofika chaka cha 2017, mwina anali ndi ndalama zisanu kapena zisanu ndi chimodzi m'manja mwake.
Tom adawulula tsatanetsatane wa ndalama zomwe amapeza pachaka zimatengera magawo awiri:
Kuyenda kwa ndalama za malo obwereka.
Kugulitsa katundu womwe wasungidwa kwa chaka chimodzi kapena ziwiri, zobwezazo zimafika pafupifupi 10% kapena nthawi zina kupitilira apo.
Ntchito yopindulitsa kwambiri yotereyi imamupangitsa kusiya ntchitoyo mu Marichi 2017 ndipo adakhala mwininyumba wanthawi zonse pambuyo pake.
Mpaka pano, ndalama zonse zomwe amapeza pachaka zimatha kufika madola zikwi zana limodzi;kuonjezera apo, pamene mtengo wa nyumba ukukwera, mtengo wamtengo wapatali umakula kwambiri.
M'malo mwake, msika wogulitsa nyumba wakhala "ndondomeko yoyenera kugulitsa ndalama" kwa osunga ndalama padziko lonse lapansi kuyambira 1990s.Otsatsa malonda akugulitsa nyumba, osati kungolimbana ndi kukwera kwa mitengo, kupulumutsa misonkho, komanso kugwiritsa ntchito mphamvu moyenera.Ikani ndalama mumsika wa katundu zitha kuthandiza osunga ndalama kuti azipeza ndalama zokhazikika zaka zingapo, zingathandizenso kuti osunga ndalama azipeza bwino m'tsogolo.
Ndi ndalama zokhazikika zobwereketsa kuchokera kuzinthu zogulitsira komanso nyumbayo mtengo wake umakula pakapita nthawi.Malo ogulitsa nyumba awonedwa ngati mpanda wabwino kwambiri polimbana ndi kukwera kwa mitengo.
Malinga ndi mbiri yakale, kupatulapo vuto la subprime mortgage crisis mu 2007, mtengo wa msika wogulitsa nyumba sunagwe.Kuchokera mu 1992 mpaka 2021, mitengo ya katundu idakwera pafupifupi 4% pachaka, pafupifupi yokwera kwambiri kuposa kuchuluka kwapachaka kwa inflation pa nthawi yomweyo.
Kuchokera ku Federal Housing Finance Agency.
Otsatsa akhoza kupeza phindu lalikulu pogwiritsa ntchito ndalama zochepa.
Mwachitsanzo:
Ngati wogulitsa akufuna kugula masheya ndi ndalama zokwana $500,000, akuyenera kuyika $500,000.
Koma ngati wogulitsa agula katundu wa $ 500,000, angafunike kuyika $ 200,000 pamsika ndikudikirira kuti mtengo wa nyumba ukule kufika $500,000.
Mwachitsanzo: kuti mugule katundu wa $ 500,000, nthawi zambiri mumayenera kuyika $ 500,000. Koma ngati mutagula katundu wa $ 500,000, mukhoza kungoyika $ 200,000 ndikudikirira kuti ndalamazo zikule kufika pa $ 500,000.
Kuphatikiza apo, msika wobwereketsa ukupitilizabe kukhala ndi chiwonjezeko chomwe sichinachitikepo, ndi mbiri yobwereketsa mayunitsi 700,000 kuyambira kotala loyamba la 2021 mpaka kotala yoyamba ya 2022, kuwirikiza kawiri pa avareji yaposachedwa yazaka zisanu.
Nthawi zambiri, mtengo wa lendi udzakwera ngati wobwereka akufuna kuyambiranso.Chifukwa chake ndalama zogulitsa nyumba zimayamba kukula mwachangu m'malo okwera mtengo.
Gwero lochokerahttps://wallstreetcn.com/
Deta yaposachedwa kuchokera ku Dipatimenti ya Ntchito yawonetsa kuti chiwerengero cha ogula chinakwera 8.5% mu July kuyambira chaka chapitacho, chikadali pamtunda wazaka pafupifupi khumi, ndipo kukwera kwakukulu kotereku kumabweretsa kutsika kwa ndalama zomwe zasungidwa.
Ngati pali njira iliyonse yosungiramo ndalama pakukwera kwa inflation, yankho liyenera kukhala kubwereka zambiri kumabanki.Otsatsa malonda anzeru ayenera kuphunzira kubwereka zambiri kuti awononge ndalama.
M’chenicheni, pamene mtengo wa inflation uli wofanana ndi mtengo wobwereka, uli ngati kubwereka ndalama kwaulere;ngati mtengo wa inflation uli wapamwamba kuposa mtengo wobwereka, ndiye kuti mabanki ndi boma akukulipirani ndalama zowonjezera.
Ndiye mungabwereke bwanji kuchuluka kwa ndalama kubanki pa chiwongola dzanja choyenera mkati mwazachuma?Chinsinsi ndikuyika ndalama mumsika wogulitsa nyumba!Kodi mukuganiza kuti kugula malo ndi ndalama zonse kudzakhala njira yabwino yothanirana ndi kukwera kwa mitengo makamaka popeza kukwera kwa mitengo kwayamba kufika pa 8% posachedwa?
Ngati muli ndi ndalama zokwana madola 500,000 ndipo mumazigwiritsa ntchito pogula katundu wa $500,000, poganiza kuti malowo adayamikiridwa mpaka $600,000 patatha zaka 5, ndiye kuti kubweza kwazaka zisanu kudzakhala 20% (Panthawi yabwino) .Komabe, kuwonjezeka kwa $ 100,000 sikungafanane ndi kuchuluka kwa inflation.
Koma mukabwereka ndalama kubanki, mutha kugwiritsa ntchito $500,000 kugula malo awiri omwe ali ndi ndalama zaka 5 pambuyo pake, mudzalandira malo awiri okhala ndi mtengo wake $1.2M.Kenako kubweza kwanu kwazaka zisanu kumatha kufika pa 140% {($1,200,000-$500,000)/$500,000=140%, Pamikhalidwe yabwino ndikungoganiza kuti ndalama zobwereketsa nyumba ndizokulirapo kuposa ndalama zomwe zangongole}!
Zitsanzo za pamwambazi zikusonyeza kuti si malo amene munagula angakuthandizenidi kukana kukwera kwa mitengo;ndi ngongole yapamwamba kwambiri yomwe mudalipira ikhoza kukuthandizani kulimbana ndi kukwera kwa mitengo ndikukulitsa chuma chanu.
Tili ndi uthenga wabwino kwa onse ogulitsa nyumba, pulogalamu yathu yatsopano: No Doc, No Credit!Chiwongola dzanja chatsika mpaka 6.25%!
Zaka 4 zokha zosungira za P&I zomwe zimafunikira!Njira yobwereketsa mwapadera idzakuthandizani kuthana ndi kukwera kwa mitengo mosavuta!
Mwachidule, kudziwa kubwereka ndalama kudzakuthandizani kupanga ndalama zambiri!
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: Aug-20-2022