11/20/2023

Chitsogozo kwa Ofuna Eni Nyumba

Pamene mukuyamba ulendo wokhala umwini wa nyumba, kumvetsetsa zomwe mungasankhe kubwereketsa ndikofunikira.Ngongole zanyumba wamba, chisankho chodziwika pakati pa obwereketsa omwe ali ndi ngongole zabwino komanso ndalama zokhazikika, zimapereka njira yokwaniritsira maloto anu.Ku AAA LENDINGS, tili pano kuti tikuwongolereni mbali zazikulu zangongole wamba ndikuwonetsa momwe zingakwaniritsire ndalama zanu.

 

Kodi Ngongole Yachizolowezi Ndi Chiyani?

Ngongole yanthawi zonse ndi ngongole yanyumba yopanda inshuwaransi kapena kutsimikiziridwa ndi mabungwe aboma ndipo imatha kugawidwa ngati ngongole zofananira kapena zosagwirizana.Ngongole zofananira zimatengera zomwe zimakwaniritsa zomwe Fannie Mae kapena Freddie Mac adachita.Ngakhale phindu lapadera loperekedwa ndi ngongole zothandizidwa ndi boma, ngongole zachiwombankhanga zimakhalabe zofala komanso zotchuka kwa ogula nyumba ambiri.Mbali yofunika kwambiri ya ngongole wamba ndi kusinthasintha kwawo malinga ndi mawu.Nthawi zambiri, amabwera ndi ngongole yazaka 30, koma zosankha zazaka 15 ndi 20 ziliponso, zothandizira zosowa zosiyanasiyana zachuma ndi mapulani a obwereka.Kuphatikiza apo, ngongole zanthawi zonse zimapereka chisankho pakati pa mtengo wokhazikika ndi renti yosinthika (ARM).Chiwongoladzanja chokhazikika chimapereka chiwongoladzanja ndi chiwongoladzanja chokhazikika pa moyo wa ngongole, zomwe zimapangitsa kukhala chisankho chabwino kwa iwo omwe akukonzekera kukhala ndi nyumba kwa nthawi yaitali.Kumbali ina, ngongole ya ARM imayamba ndi chiwongola dzanja chochepa chomwe chingasinthe pakapita nthawi, chomwe chingakhale chokopa kwa iwo omwe akuyembekezera kusuntha kapena kukonzanso kwakanthawi kochepa.Kusinthasintha uku kumapangitsa kuti ngongole zanthawi zonse zikhale njira yabwino kwa ambiri omwe akufuna kupeza ndalama zogulira nyumba zawo.

Mfundo zazikuluzikulu za Ngongole Wamba
Malipiro Ochepa Ochepa: Ngongole wamba nthawi zambiri zimafunikira kuti muchepetse 3% mpaka 5%.Kusankha kubweza ndalama zambiri kumatha kubweretsa chiwongola dzanja chabwino ndikuchotsa kufunikira kwa Private Mortgage Insurance (PMI).

Private Mortgage Inshuwalansi (PMI): Ngati malipiro anu akuchepera 20%, PMI imafunika, kuteteza wobwereketsa ngati alephera.Mtengo wa PMI umasiyanasiyana, kutengera zinthu monga chiŵerengero cha ngongole ndi mtengo wa ngongole.

Zofunikira pa Ngongole: Ubwino waukulu wangongole wamba ndikuthekera kwa chiwongola dzanja chochepa chokhala ndi ngongole zambiri.Nthawi zambiri, ngongole yochepera 620 ndiyofunikira.

Chiŵerengero cha Ngongole ndi Ndalama (DTI): Chiŵerengero chanu cha DTI ndichofunika kwambiri pakuvomereza.Moyenera, kuyenera kukhala pansi pa 43%, ndi zocheperako kukhala zabwino kwambiri.

Kuyesa ndi Kulemba Pansi: Njira yathu yolembera imawunika kukhazikika kwanu pazachuma, pomwe kuwunika kumatsimikizira mtengo wa malowo, kuwonetsetsa kuti ndalamazo zikugwirizana ndi ngongoleyo.
Malire a Ngongole: Ngongole zanthawi zonse zimagawika ngati zogwirizana kapena zosagwirizana.Ngongole zofananira zimakwaniritsa malire a Fannie Mae ndi Freddie Mac, pomwe ngongole zosagwirizana (jumbo) zimadutsa malire awa.

Chiwongola dzanja: Pa AAA LENDINGS, timapereka mitengo yopikisana pa ngongole zanthawi zonse, zomwe zimasiyana malinga ndi msika komanso mbiri yanu yangongole.

Chifukwa Chiyani Musankhe Ngongole Yachizolowezi Ndi AAA LENDINGS?
Kusasinthika kwa Ngongole ndi Migwirizano: Konzani ngongole yanu kuti igwirizane ndi zomwe mukufuna, kaya ndi ngongole yokulirapo kapena nthawi yobwezera.

Mitengo Yambiri Yobwereketsa: Timagwira ntchito kuti tikupatseni mitengo yabwino kwambiri, kutanthauzira kusungitsa zomwe zingakupulumutseni nthawi yonse ya ngongole yanu.

Utumiki Wopangidwa Mwamakonda: Akatswiri athu obwereketsa nyumba amapereka upangiri wamunthu, kuwonetsetsa kuti mukumvetsetsa zomwe mungasankhe ndikupeza ngongole yomwe ikugwirizana ndi zolinga zanu zachuma.

Kukonzekera Ngongole Yachizolowezi
Musanalembe, ndi bwino kuti:

• Onaninso lipoti lanu la ngongole ndikuwongolera mphambu yanu ngati kuli kofunikira.
• Werengerani DTI yanu ndipo lingalirani zochepetsera ngongole.Ma Calculator athu a Mortgage amapereka zida zingapo kuphatikiza chowerengera cha Chiwongoladzanja Chokha, Calculator ya Amortization, Rent vs Buy Calculator, ndi zina zambiri.Dziwani zambiri za kuthekera, phindu la msonkho, kulipira ma point, ziyeneretso za ndalama, APR ya ARM, ndi kufananitsa ngongole.Tiloleni tikuthandizeni kumveketsa zosowa zanu ndikupanga zisankho mwanzeru mukafuna ngongole yanyumba.Nyumba yanu yam'tsogolo ndi yofikirika - tengani sitepe yoyamba lero.
• Sungani ku chiwongola dzanja chochepa kuti muwonjezere nthawi ya ngongole.

Ku AAA LENDINGS, tadzipereka kukuthandizani kuti muyang'ane momwe mungabwereke ngongole zanyumba.Ukadaulo wathu komanso njira yosinthira makonda anu zimatsimikizira kuti mumasankha mwanzeru, ndikutsegulira njira yopita kunyumba yamaloto anu molimba mtima komanso momveka bwino.

Kuti mumve zambiri kapena kuti muyambe ntchito yofunsira, lemberani lero.Tiyeni tikwaniritse maloto anu a eni nyumba!

Kanema:Kumvetsetsa Ngongole Zanyumba Zokhazikika ndi AAA LENDINGS

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.