10/18/2023

Kusankha mtundu woyenera wa ngongole yanyumba ndi chisankho chofunikira chomwe chingakhudze kwambiri tsogolo lanu lazachuma.Zosankha ziwiri zodziwika ndi kubwereketsa kwanyumba (FRM) ndi adjustable-rate mortgage (ARM).Mu bukhuli, tiwona kusiyana kwakukulu pakati pa mitundu iwiri yanyumba zobwereketsa ndikupereka zidziwitso za momwe mungasankhire mwanzeru potengera momwe mulili pazachuma.

Kumvetsetsa Ngongole Zanyumba Zokhazikika (FRM)

Tanthauzo

Ngongole yokhazikika ndi mtundu wangongole pomwe chiwongola dzanja chimakhala chokhazikika nthawi yonse ya ngongoleyo.Izi zikutanthauza kuti malipiro anu a mwezi uliwonse ndi chiwongoladzanja sangasinthe, kupereka kudalirika komanso kukhazikika.

Ubwino

1. Malipiro Oloseredwa: Ndi ngongole yanyumba yokhazikika, ndalama zomwe mumalipira pamwezi zimadziwikiratu ndipo sizisintha pakapita nthawi, zomwe zimapangitsa kukhala kosavuta kupanga bajeti.
2. Kukhazikika Kwanthawi Yaitali: Kumapereka kukhazikika kwanthawi yayitali komanso chitetezo ku kusintha kwa chiwongola dzanja.
3. Zosavuta Kumvetsetsa: Zosavuta komanso zowongoka, zomwe zimapangitsa kuti obwereketsa amvetsetse zomwe abwereke.

kuipa

1. Mitengo Yoyamba Yapamwamba: Ngongole zanyumba zokhazikika nthawi zambiri zimabwera ndi chiwongola dzanja chokwera poyerekeza ndi ziwongola dzanja zosinthidwa.
2. Kusasinthasintha: Kuchepa kosinthika poyerekeza ndi ngongole zanyumba zosinthika ngati chiwongola dzanja chatsika.

Kumvetsetsa Ngongole Zanyumba Zosinthika (ARM)

Tanthauzo

Ngongole yobwereketsa ndi ngongole yokhala ndi chiwongola dzanja chomwe chingasinthe nthawi ndi nthawi.Zosinthazo zimagwirizanitsidwa ndi ndondomeko yazachuma ndipo zimasinthidwa nthawi ndi nthawi kutengera momwe msika uliri.

Ubwino

1. Mitengo Yotsikirapo Yoyamba: Ma ARM nthawi zambiri amabwera ndi chiwongola dzanja chochepa, zomwe zimapangitsa kuti muchepetse malipiro a mwezi uliwonse.
2. Kuthekera Kwa Malipiro Ochepa: Ngati chiwongola dzanja chichepa, obwereka angapindule ndi malipiro ochepa pamwezi.
3. Kusunga Kwanthawi Yaifupi: Ikhoza kupulumutsa kwakanthawi kochepa poyerekeza ndi ngongole zanyumba zokhazikika, makamaka m'malo a chiwongola dzanja chochepa.

kuipa

1. Kusatsimikizika kwa Malipiro: Malipiro a pamwezi amatha kusinthasintha, zomwe zimapangitsa kusatsimikizika komanso kubweza ndalama zambiri ngati chiwongola dzanja chikwera.
2. Kuvuta: Kuvuta kwa ngongole zanyumba zomwe zingasinthidwe, zokhala ndi zinthu monga masinthidwe osinthika ndi mitengo ya index, zitha kukhala zovuta kuti ena obwereketsa amvetsetse.
3. Chiwopsezo cha Chiwongola dzanja: Obwereketsa amakumana ndi chiwopsezo cha chiwongola dzanja chokwera pakapita nthawi, zomwe zimapangitsa kuti pakhale ndalama zambiri.

Mfundo Zofunika Kuziganizira Posankha Zanu

1. Zolinga Zachuma

• FRM: Ndioyenera kwa iwo omwe akufuna kukhazikika kwanthawi yayitali komanso malipiro odziwikiratu.
• ARM: Ndioyenera kwa anthu omwe ali ndi vuto lakusatsimikizika kwa malipiro komanso kufunafuna kupulumutsa ndalama kwakanthawi kochepa.

2. Mikhalidwe Yamsika

• FRM: Amakondedwa m'malo a chiwongola dzanja chotsika kuti atsekedwe bwino.
• ARM: Zimaganiziridwa pamene chiwongoladzanja chikuyembekezeka kukhala chokhazikika kapena kuchepa.

3. Kulekerera Mavuto

• FRM: Ndioyenera kwa iwo omwe ali ndi chiwopsezo chochepa omwe akufuna kupewa kusinthasintha kwa chiwongola dzanja.
• ARM: Yoyenera anthu omwe ali ndi chiwopsezo chachikulu omwe angathe kuthana ndi kuwonjezereka kwa malipiro.

4. Utali Wa umwini

• FRM: Ndioyenera kwa iwo omwe akukonzekera kukhala m'nyumba zawo kwakanthawi.
• ARM: Itha kukhala yoyenera pamapulani amnyumba akanthawi kochepa.

5. Zoyembekeza za Chiwongoladzanja Chamtsogolo

• FRM: Chiwongola dzanja chikakhala chotsika kapena chikuyembekezeka kukwera mtsogolo.
• ARM: Chiwongola dzanja chikakhala chokhazikika kapena chikuyembekezeka kutsika.

Mapeto

Pamapeto pake, kusankha pakati pa chiwongola dzanja chokhazikika ndi chiwongola dzanja chosinthika zimatengera momwe mungakhalire, zolinga zachuma, komanso kulekerera zoopsa.Kuwunika momwe msika uliri pano ndikuganizira mozama zinthu zomwe tazitchula pamwambapa kukupatsani mphamvu kuti mupange chisankho chomwe chikugwirizana ndi moyo wanu wachuma wanthawi yayitali.Ngati simukudziwa, kukaonana ndi katswiri wobwereketsa nyumba kungapereke zidziwitso zofunikira zogwirizana ndi vuto lanu.Kumbukirani, kubwereketsa koyenera kwa munthu m'modzi sikungakhale koyenera kwa wina, choncho khalani ndi nthawi yowunikira zomwe mungasankhe ndikusankha zomwe zikugwirizana ndi zosowa zanu ndi zomwe mumakonda.

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.