08/21/2023

Pogula nyumba, nthawi zambiri timafunika kuganizira zamitundu yosiyanasiyana ya ngongole, kuphatikiza mitundu iwiri ikuluikulu: ngongole zokhazikika komanso ngongole zosinthika.Kudziwa kusiyana pakati pa mitundu iwiriyi ndikofunikira kuti mupange chisankho chabwino kwambiri cha ngongole.M'nkhaniyi, tikhala tikuyang'ana pazabwino zangongole yokhazikika, tiwona zomwe zingasinthidwe kubwereketsa nyumba, ndikukambirana momwe mungawerengere ndalama zomwe mwabweza.

Ubwino Wobwereketsa Ngongole Yokhazikika
Ngongole zokhazikika ndi imodzi mwamitundu yodziwika bwino ya ngongole ndipo nthawi zambiri imaperekedwa muzaka 10, 15, 20, ndi 30.Ubwino waukulu wa ngongole yokhazikika ndi kukhazikika kwake.Ngakhale chiwongola dzanja chamsika chikasintha, chiwongola dzanja cha ngongole chimakhala chofanana.Izi zikutanthauza kuti obwereketsa amatha kudziwa ndendende ndalama zomwe amalipira mwezi uliwonse, zomwe zimawalola kukonzekera bwino ndikuwongolera bajeti yawo yazachuma.Zotsatira zake, ngongole zanyumba zokhazikika zimakondedwa ndi osunga chiwopsezo chifukwa zimateteza ku chiwongola dzanja chamtsogolo.Zofunika:QM Community Ngongole,DSCR,Bank Statement.

Adjustable Rate Mortgage Analysis
Mosiyana ndi izi, ma ARM osinthika (ARM) ndi ovuta kwambiri ndipo amapereka zosankha monga 7/1, 7/6, 10/1 ndi 10/6 ARM.Ngongole yamtunduwu imapereka chiwongola dzanja chokhazikika poyambira, pambuyo pake chiwongola dzanja chimasinthidwa malinga ndi momwe msika ulili.Ngati mitengo yamsika yatsika, mutha kulipira chiwongola dzanja chochepa pa ngongole yobwereketsa.

Mwachitsanzo, mu 7/6 ARM, “7″ imayimira nthawi yokhazikika yokhazikika, kutanthauza kuti chiwongola dzanja cha ngongole sichinasinthe kwa zaka zisanu ndi ziwiri zoyambirira."6" imayimira kuchuluka kwa masinthidwe, zomwe zikuwonetsa kuti ngongoleyo imasintha miyezi isanu ndi umodzi iliyonse.

Chitsanzo china cha izi ndi “7/6 ARM (5/1/5)”, pomwe “5/1/5” m’mabulaketi amafotokoza malamulo okhudza kusintha mitengo:
· Woyamba "5" akuyimira kuchuluka kwakukulu komwe mlingo ukhoza kusintha nthawi yoyamba, yomwe ili m'chaka chachisanu ndi chiwiri.Mwachitsanzo, ngati mlingo wanu woyamba ndi 4%, ndiye m'chaka chachisanu ndi chiwiri, mlingowo ukhoza kuwonjezeka mpaka 4% + 5% = 9%.
· "1" imayimira kuchuluka kwakukulu komwe mlingo ukhoza kusintha nthawi iliyonse (miyezi isanu ndi umodzi iliyonse) pambuyo pake.Ngati mlingo wanu unali 5% nthawi yapitayi, ndiye pambuyo pa kusintha kotsatira, mlingowo ukhoza kukwera mpaka 5% + 1% = 6%.
· Chomaliza "5" chikuyimira kuchuluka kwa ndalama zomwe zingawonjezere pa moyo wa ngongole.Izi zimagwirizana ndi mtengo woyamba.Ngati chiwongola dzanja chanu choyamba chinali 4%, ndiye kuti nthawi yonse yobwereketsa, mtengowo sudzapitilira 4% + 5% = 9%.

Komabe, ngati mitengo ikukwera, mungafunike kulipira chiwongola dzanja chochulukirapo.Ili ndi lupanga lakuthwa konsekonse;ngakhale ikhoza kukhala ndi maubwino owonjezera, imabweranso ndi zoopsa zambiri.Zofunika:Full Doc Jumbo,WVOE&Self Prepared P&L.

Momwe Mungawerengere Malipiro Anu Anyumba Yanyumba
Ziribe kanthu mtundu wa ngongole yomwe mungasankhe, ndikofunikira kumvetsetsa momwe kubweza ngongole yanu kumawerengedwera.Chiwongola dzanja chachikulu, chiwongola dzanja ndi nthawi yake ndizinthu zazikulu zomwe zimakhudza kuchuluka kwa kubweza.Pangongole yokhazikika, popeza chiwongola dzanja sichisintha, kubwezanso kumakhala chimodzimodzi.

1. Njira Yofanana ya Mutu ndi Chidwi
Njira yofanana yoyambira ndi chiwongola dzanja ndi njira yobweza wamba, pomwe obwereketsa amabweza ndalama zomwezo ndi chiwongola dzanja mwezi uliwonse.Kumayambiriro kwa ngongoleyo, ndalama zambiri zobweza zimapita ku chiwongoladzanja;m'kupita kwanthawi, zambiri zimapita ku kubweza kwakukulu.Ndalama zobweza pamwezi zitha kuwerengedwa pogwiritsa ntchito njira iyi:
Kubweza Kwamwezi = [Chiwongola dzanja x Chiwongola dzanja x (1+Chiwongoladzanja cha Mwezi uliwonse)^Nthawi Yobwereketsa] / [(1+Chiwongola dzanja cha Mwezi)^Nthawi Yobwereketsa - 1]
Kumene chiwongoladzanja cha mwezi uliwonse chikufanana ndi chiwongoladzanja chapachaka chogawidwa ndi 12, ndipo nthawi yobwereketsa ndi nthawi ya ngongole m'miyezi.

2. Njira Yofanana Yaikulu
Mfundo ya njira yaikulu yofanana ndi yakuti kubwezeredwa kwa mkuluyo kumakhalabe chimodzimodzi mwezi uliwonse, koma chiwongoladzanja chimachepetsa mwezi uliwonse ndikuchepetsa pang'onopang'ono kwa mkulu wosalipidwa, motero ndalama zobweza pamwezi zimachepanso pang'onopang'ono.Ndalama zobweza za mwezi wa nth zitha kuwerengedwa pogwiritsa ntchito njira iyi:
Kubweza kwa Mwezi wa nth = (Mkulu wa Ngongole / Nthawi ya Ngongole) + (Mkulu wa Ngongole - Woyang'anira Ngongole - Wobwezeredwa Woyamba) x Chiwongola dzanja cha pamwezi
Apa, chiwongola dzanja chonse chomwe chinabwezeredwa ndi kuchuluka kwa ndalama zomwe zabwezedwa m'miyezi (n-1).

Chonde dziwani kuti njira yowerengera yomwe ili pamwambayi ndi yangongole zokhazikika.Kwa ngongole zosinthika, kuwerengera kumakhala kovuta kwambiri chifukwa chiwongoladzanja chikhoza kusintha malinga ndi momwe msika ulili.

Ngakhale kuti lingaliro la kubwereketsa ndalama zokhazikika ndi zosinthika ndi losavuta, pali mfundo zina zofunika.Mwachitsanzo, chiwongola dzanja chokhazikika chimapereka kubweza kokhazikika, koma simungathe kutenga mwayi wotsika mtengo ngati msika watsika.Kumbali inayi, ngakhale kuti ngongole yobwereketsa ingakupatseni chiwongola dzanja chochepa, mutha kukhala pansi pazovuta zobweza ngati mitengo ikwera.Choncho, obwereketsa ayenera kulinganiza kukhazikika ndi chiopsezo, kusanthula mozama za msika, ndikupanga zisankho zabwino kwambiri.

Posankha pakati pa chiwongola dzanja chokhazikika kapena chiwongola dzanja chosinthika, ndikofunikira kuganizira zachuma chanu, kulekerera zoopsa, ndi momwe msika ulili.Phunzirani kusiyana, zabwino ndi zoyipa, ndikuphunzira momwe mungawerengere ndalama zomwe mukulipira ngongole.Kudziwa kumeneku ndikofunikira kuti mupange njira yoyenera yobwereketsa.Tikukhulupirira kuti zomwe takambirana m'nkhaniyi zakuthandizani kumvetsetsa ndikusankha ngongole yabwino pazosowa zanu.

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.