Zaka khumi zapitazo, aliyense amene sanapume pantchito ankayembekezera kupuma kwawo ndi chiyembekezo. Komabe, zimenezi n’zosiyana m’zaka zaposachedwapa, chifukwa anthu oposa 50 pa XNUMX alionse amaopa kuti sangathe kukhala ndi moyo wabwino akapuma pantchito.
Nkhawa zina zakupuma pantchito zomwe amaopa ndi monga kukwera mtengo kwa chithandizo chamankhwala, kukwera kwa inflation, kusowa kwandalama, ndi ngongole zambiri.
Nkhawa zopuma pantchito ndizoipa kwambiri kwa anthu omwe ali ndi ngongole zanyumba. Ngakhale kuti ena angakwanitse kubweza ngongole yanyumba, amaopa kuti adzatha kubweza ndalamazo.
Kumbali ina, kubweza koyambirira kwanyumba ndikwabwino kwa ena.
Momwe mungadziwire ngati mukulipira ngongole yanyumba msanga
Kaya n'zomveka kubweza ngongole yobwereketsa mwamsanga zimadalira ndalama zomwe mumapeza, ngongole yanyumba, chilango cholipiriratu, kusunga, ndi kuchotsera chiwongoladzanja cha nyumba.
Kulipira ngongole yanyumba ndi ndalama zomwe mwasunga komanso ndalama zanu zitha kuwononga thumba lanu lopuma pantchito. Simungathe kulipira zolipirira zadzidzidzi komanso zolipirira zachipatala. Komabe, ndikwabwino kulipira ngongole ngati muli ndi zochulukirapo pakubweza ngongole yanyumba ndi ndalama zogulira.
Ngati ndalama zanu zayikidwa mu chuma chandalama ndipo Return On Investment (ROI) ndi yocheperapo kuposa chiwongola dzanja chanu chanyumba, kuchotsa ndalama zanu kuti mulipire ngongoleyo kungakhale chisankho chabwino.
Pali zabwino zambiri zomwe zimabwera ndi eni nyumba, ndipo imodzi mwazo ndi mwayi wochotsa chiwongola dzanja chanu pamisonkho yanu. Kulipira ngongole yanu kumatanthauza kuti simungathe kusangalalanso ndi mwayi umenewu.
Pakadali pano, pali njira zina zolipira ngongole yanu yobwereketsa msanga popanda kuwononga ndalama zomwe mwasunga mukapuma pantchito.
Bweretsani ngongole yanyumba
Reverse mortgage ndi ngongole yanyumba yomwe imapezeka kwa eni nyumba azaka 62 ndi kupitilira apo. Nthawi zambiri zimakhala za anthu omwe adalipira ngongole yanyumba, chifukwa ngongoleyo imachokera panyumba yanu.
Ngongoleyo imatha kubweza ngongole yanyumba ndipo safuna kulipira pamwezi. Amalipidwa pamene wobwereka sakukhalanso m'nyumba.
Kutengera ndi ngongole yomwe muli nayo, ngongole yobwereketsa imatha kukupatsirani ndalama zamadzimadzi, zomwe mungagwiritse ntchito kuti mupeze ndalama zolipirira mwadzidzidzi komanso zolipirira zakuchipatala mukapuma pantchito. Gwiritsani ntchito a Reverse mortgage calculator kuti muyerekeze kuti ndinu oyenerera kubwereka ndalama zingati kuti mukonzekere bwino.
Ngongole Yanyumba Yanyumba
Ngongole yobwereketsa nyumba ikhoza kukhala njira yabwino kwa eni nyumba omwe abweza gawo lalikulu la wamkulu wawo wanyumba.
Popeza kuti nyumbayo imapeza ngongoleyo, kaŵirikaŵiri imakhala ndi chiwongoladzanja chochepa poiyerekezera ndi ngongole zosadalirika.
Mutha kugwiritsa ntchito ngongoleyo kuti mulipire ngongole yomwe muli nayo komanso ndalama zotsalazo kuti mulipirire pantchito yanu yopuma pantchito.
Nthawi yobwereketsa nthawi zambiri imakhala zaka 20, koma mosiyana ndi ngongole yobwereketsa, muyenera kulipira pamwezi.
Kupirira kwa ngongole
Kulekerera kwa Mortgage ndi mgwirizano pakati pa wobwereketsa ndi wobwereka omwe akukumana ndi vuto lazachuma kapena kutayika.
Panthawi yolekerera ngongole yanyumba, wobwereketsa adzayimitsa malipiro anu pamwezi pa nthawi yonse yomwe mwagwirizana, pambuyo pake mudzayenera kulipira zonse zomwe mwaphonya ndikuyambiranso kulipira nthawi zonse popanda chilango.
Ena obwereketsa angavomereze kuchepetsa malipiro a mwezi uliwonse panthawi ya chiwongoladzanja cha ngongole m'malo mopuma kwathunthu.
Ndi njira yabwino kwa anthu omwe ali ndi ndalama zawo pazachuma, omwe ataya ndalama posachedwa, kapena omwe nyumba yawo yawonongeka ndi masoka achilengedwe.
Kubwezeretsanso
Mortgage refinance ikutenga ngongole yanyumba yatsopano kuti isinthe yomwe ilipo. Cholinga chake nthawi zambiri chimakhala chotsika mtengo komanso nthawi yayitali yobwereketsa. Kuti muyenerere kukonzanso ndalama, mudzafunika ndalama zokwanira zapakhomo. Ndalama zakunyumba ndi zanu mtengo wanyumba kutengera kuyerekeza kwa msika wapano kuchotsera ndalama zomwe mudakali nazo pa ngongole yanyumba.
Akatswiri amalangiza refinancing ngati kungachepetse mlingo wanu ndi gawo limodzi peresenti. Chinthu chinanso choyenera kuganizira ndi nthawi yomwe idzakutengereni kuti mufike pa nthawi yopuma pambuyo pa kukonzanso.
Mukhozanso kukonzanso ndalama kuti mukhale ndi nthawi yayitali kuti muchepetse kupuma pantchito. Izi zidzachepetsa malipiro anu pamwezi ndi kukupatsani ndalama zokwanira zogulira zina. Komabe, izi zitha kutanthauza kuti mudzalipira chiwongola dzanja chochulukirapo ngati mutawerengera ndalama zonse pambuyo pa nthawi yangongole yatsopano.
Ganizirani zoyipa za refinancing, monga ndalama zowonjezera, musanasankhe izi.
Bwezeraninso ngongole yanu yanyumba
Kubweza ngongole yanyumba, kapena kubweza ngongole, kumasintha ndalama zanu zangongole kuti mulipire pang'ono pamwezi.
Njirayi imagwiritsidwa ntchito mukakhala ndi malipiro ambiri omwe angafunike zambiri kuti mulipire ngongole. Mukapanga malipiro aakulu, mukhoza kukambirana ndi wobwereketsa kuti muchepetse malipiro apamwezi pambuyo pake.
Nthawi zambiri zimatengera pakati pa $200 ndi $300 kuti mubwezerenso ngongole yanu yanyumba. Ngati mwachita bwino, kumasuka ndi mtendere wamumtima zomwe zimatsagana ndi malipiro ochepa pamwezi zimaposa chiwongoladzanja chobweza ngongole.
Chotsani inshuwaransi yanyumba.
Ngongole zina zachizolowezi komanso za Federal Housing Administration (FHA) zimafuna inshuwaransi yanyumba. Izi zitha kukulitsa kwambiri malipiro a mwezi uliwonse.
Inshuwaransi yanyumba imateteza obwereketsa kuti asataye ndalama ngati mwalephera. Pa ngongole zothandizidwa ndi FHA, mudzalipira mwezi uliwonse ndalama za inshuwaransi yanyumba (MIP), pafupifupi 0.15% mpaka 0.75% ya ngongoleyo pachaka.
Mutha kubwezanso ngongole yanu ku ngongole wamba kuti muchotse inshuwaransi ya FHA.
Momwemonso, ogula nyumba omwe sangathe kubweza 20 peresenti ya ngongole zanthawi zonse azilipira inshuwaransi yanyumba yachinsinsi (PMI). Chaka cha 2017 chisanafike komanso nthawi ya mliri wa COVID-19, PMI inali yokhometsedwa msonkho, koma osatinso.
Ngati mungakwanitse, lipirani ngongole yanu mpaka 78 peresenti ya mtengo woyambirira wanyumba kuti muchotse PMI. Eni nyumba angapezenso kuyesa kwatsopano kwa nyumba yawo, makamaka ngati mtengo wa nyumbayo wayamikiridwa kuyambira pamene adatenga ngongole.
Kubwereka zipinda zosagwiritsidwa ntchito
Njira iyi ndi ya ena okha. Choyamba, muyenera kukhala ndi malo okwanira ndi zina zowonjezera zomwe mungabwereke. Izi zitha kutanthauza kusintha chipinda chapansi cha nyumba yanu kukhala nyumba yosiyana. Zingakuthandizeni ngati inunso mumamasuka kukhala ndi munthu wina.
Komanso, kukambirana izi ndi wobwereketsa wanu ndikufufuza malamulo obwereketsa nyumba m'dera lanu ndikoyenera.
Ndalama zowonjezera zomwe mukuchita lendi chipinda chanu chopuma zitha kugwiritsidwa ntchito kuonjezera malipiro anu a mwezi uliwonse. Izi zikutanthauza kuti mutha kumaliza kubweza ngongole yanu msanga. Chonde kambiranani izi ndi wobwereketsa wanu musanawonjezere malipiro a mwezi uliwonse kuti muwonetsetse kuti sizikubweretsa chilango chilichonse.
Tiyerekeze kuti ndalamazo zikupitilira mukamaliza kubweza ngongole yanu. Zikatero, mutha kulipirira moyo wanu wopuma pantchito ndikulipira zolipirira zamankhwala.
