11/10/2023

M'malo ovuta kwambiri andalama zobwereketsa nyumba, kupeza obwereketsa omwe amapereka kuphatikiza kwamitengo ya Loan-to-Value (LTV) komanso chiwongola dzanja chochepa kungakhale kosinthira masewera kwa obwereka.Nkhaniyi ikufotokoza za kufunika kwa LTV, ikuwunika ubwino wa obwereketsa omwe ali ndi LTV yokwera komanso mitengo yotsika, ndipo imapereka zidziwitso kwa obwereketsa omwe akufuna kutsata malo opindulitsawa.

Kumvetsetsa Loan-to-Value (LTV)

Kusintha kwa LTV

LTV ndi gawo lofunikira kwambiri pazandalama zobwereketsa nyumba, zomwe zimayimira chiŵerengero cha ngongoleyo ndi mtengo woyesedwa wa malowo.LTV yokwera imawonetsa ngongole yokulirapo yofananira ndi mtengo wa malowo, zomwe zimapatsa wobwereka mwayi wopeza ndalama zambiri zogulira nyumba yawo.

Kufunika kwa High LTV

LTV yapamwamba imakhala yofunikira makamaka kwa obwereka omwe ali ndi ndalama zochepa kuti alipire.Zimawalola kupeza ngongole yobwereketsa yokhala ndi ndalama zochepa zakutsogolo, kutsegulira zitseko za eni nyumba kwa anthu ambiri.

Obwereketsa okhala ndi LTV Yokwera komanso Mitengo Yotsika

N'chiyani Chimawasiyanitsa?

Obwereketsa omwe amapereka LTV yokwera komanso mitengo yotsika amadzisiyanitsa popatsa obwereketsa mwayi wapawiri wopeza ngongole yokulirapo pomwe akusangalala ndi chiwongola dzanja chabwino.Kuphatikiza uku kumakhala kokongola kwambiri kwa iwo omwe akufuna kukwanitsa popanda kusokoneza kukula kwa ngongole.

Ubwino Wapamwamba wa LTV ndi Mitengo Yotsika

1. Kuwonjezeka Kuthekera: Phindu loyambirira ndikutha kukwanitsa.LTV yapamwamba imathandizira obwereketsa kupeza ngongole yayikulu, pomwe chiwongola dzanja chochepa chimathandizira kuti azilipira pamwezi, zomwe zimapangitsa kuti eni nyumba apezeke.
2. Ndalama Zochepetsera Patsogolo: Kwa obwereka omwe ali ndi ndalama zochepa, LTV yapamwamba imachepetsa kufunika kolipira ndalama zambiri.Izi zitha kukhala zopindulitsa makamaka kwa ogula nyumba koyamba kapena omwe akufuna kusunga ndalama kuti akwaniritse zolinga zina zachuma.
3. Kufikira Kwa Mwini Nyumba: Obwereketsa omwe ali ndi LTV yokwera komanso mitengo yotsika amakhala ndi gawo lofunikira pakukulitsa mwayi wokhala ndi eni nyumba.Izi ndizofunika makamaka m'misika yomwe mitengo yamtengo wapatali ndi yokwera, ndipo kupulumutsa ndalama zolipirirako kumakhala kovuta.
4. Mpikisano Wachiwongola dzanja: Chiwongola dzanja choperekedwa ndi obwereketsawa chimatsimikizira kuti obwereketsa samangopindula ndi ndalama zambiri zangongole komanso amasangalala ndindalama zotsika mtengo pa moyo wa ngongoleyo.

Malingaliro kwa Obwereka

1. Nkhani Zakuyenerera Ngongole

Ngakhale zosankha zapamwamba za LTV zilipo, obwereka ayenera kukumbukira kuti ali ndi ngongole.Kukhala ndi ngongole yabwino kumakulitsa mwayi wopeza chiwongola dzanja chabwino, ngakhale mutakhala ndi LTV yayikulu.

2. Kukonzekera kwachuma kwanthawi yayitali

Obwereketsa ayenera kuganizira zolinga zawo zachuma zanthawi yayitali posankha ma LTV okwera komanso mitengo yotsika.Onani momwe mawu a ngongole akugwirizanirana ndi mapulani amtsogolo, kuwonetsetsa kuti ndalamazo zimakhala zokhazikika pakapita nthawi.

3. Kuyerekeza Kugula

Onani zopereka kuchokera kwa obwereketsa osiyanasiyana kuti muzindikire mawu abwino kwambiri.Ngakhale kuchuluka kwa LTV ndi mitengo yotsika ndizopindulitsa, kufananiza zosankha kumathandizira obwereka kupeza ndalama zotsika mtengo komanso zogwirizana.

4. Kukambilana ndi Akatswiri a Mortgage

Kulumikizana ndi akatswiri obwereketsa nyumba kungapereke chidziwitso chofunikira.Alangizi a ngongole zanyumba amatha kuwongolera obwereketsa kuti amvetsetse zovuta zandalama zapamwamba za LTV, kuwathandiza kupanga zisankho zolongosoka zogwirizana ndi zolinga zawo zachuma.

Mapeto

Obwereketsa omwe amapereka LTV yapamwamba komanso mitengo yotsika amayimira njira yopititsira patsogolo kugulidwa komanso kukulitsa mwayi wokhala ndi nyumba.Pamene obwereketsa akuyenda m'derali, njira yabwino yowunikira ngongole, kukonzekera kwa nthawi yaitali, ndi kukambirana ndi akatswiri amakampani amatsimikizira kuti pali njira yodziwika bwino yopangira zisankho.Kusankha obwereketsa omwe amagwirizana ndi zolinga zachuma komanso zokhumba za katundu zimatsegula njira yofikirako komanso yokhazikika yopezera eni nyumba.

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