Kukhala mwini nyumba ndi chisankho chofunikira kwambiri chandalama chomwe chimafuna kumvetsetsa zovuta za moyo wobwereketsa. Akatswiri a gawo la ngongole zanyumba komanso eni nyumba omwe angakhale nawo ayenera kumvetsetsa magawo osiyanasiyana a kayendetsedwe kake. Tiwona magawo ofunikira a Mortgage Life Cycle mu blog iyi, ndikuwunikira njira zovuta zomwe zimayamba ndikugwiritsa ntchito ndikupitilira zaka zobweza. Atamaliza Maphunziro a CeMAP, anthu amene akuganiza za ntchito yopereka uphungu wa kubwereketsa nyumba angapeze chidziwitso chofunikira pa zovuta za moyo uno.
M'ndandanda wazopezekamo
- Pre-Application Phase
- Kugwiritsa Ntchito ndi Kuvomereza
- Kuwunika kwa Katundu ndi Kuwunika Mwalamulo
- Kupereka Kuvomereza ndi Kutumiza
- Kumaliza ndi Kupereka
- Kubweza Ngongole
- Kusintha kwa Mikhalidwe
- Kubweza Komaliza ndi Kutseka Ngongole
- Kutsiliza
Pre-Application Phase
Eni nyumba omwe akuyembekezeka nthawi zambiri amadutsa njira yofunsira asanayambe ngakhale kubwereketsa nyumba. Izi zikuphatikizapo kulingalira bajeti yeniyeni, kuwunikanso kuchuluka kwa ngongole, ndikuwunika kukonzekera kwachuma kwa eni nyumba. Sitepe iyi imayala maziko opangira bwino ngongole yanyumba ndipo ingakhale yofunikira kuti mupewe zovuta pambuyo pake.
Kugwiritsa Ntchito ndi Kuvomereza
Ulendo weniweni umayamba ndi njira yofunsira ngongole yanyumba. Obwereketsa amalandira zambiri zandalama, mbiri yantchito, ndi zambiri za katundu zomwe obwereketsa amapereka. Alangizi obwereketsa nyumba, omwe nthawi zambiri amakhala ndi ukadaulo kuchokera ku maphunziro a CeMAP, ndiwofunikira pothandiza ofuna kupita nawo pagawoli. Pambuyo popenda mosamalitsa pempholo, obwereketsa amawona mtengo wa katunduyo ndi kuyenera kwa ngongole kwa wobwerekayo. Wobwereka amalandira chiwongola dzanja chogwirizana ndi mfundo ndi zikhalidwe za ngongoleyo ikavomerezedwa.
Kuwunika kwa Katundu ndi Kuwunika Mwalamulo
Wobwereketsayo amaona kuti nyumbayo ndi yofunika kwambiri pamene pempholo livomerezedwa kuti atsimikize kuti mtengo wa nyumbayo ndi kuchuluka kwa ngongoleyo zikufanana. Nthawi yomweyo, mayeso azamalamulo amachitidwa kuti atsimikizire mutu wa malowo ndikutsimikizira kuti palibe zovuta zalamulo. Potsatira njira izi, wobwereka ndi wobwereketsa amatetezedwa ku zoopsa zilizonse zokhudzana ndi katunduyo.
Kupereka Kuvomereza ndi Kutumiza
Wobwereka amavomera mwalamulo kubwereketsa nyumba akamaliza cheke ndikupeza mtengo woyenera. Njira yosinthira umwini wa malo ndi nyumba imayamba ndikutumiza. Maloya, omwe nthawi zambiri amalembedwa ganyu kudzera mwa wogula kapena loya wogula, amasamalira zolemba ndikuwonetsetsa kuti zofunikira zonse zalamulo zikukwaniritsidwa.
Kumaliza ndi Kupereka
Gawo lomaliza kuti wobwereka asakhale ndi katunduyo amadziwika kuti ndi gawo lomaliza. Wogula amalipira ndalama zomwe mwagwirizana, ndipo wobwereketsayo amabweza ngongoleyo. Mwini nyumba watsopano adzalandira makiyi zonse zikatha. Panthawiyi, ntchito yogula nyumba imatha, ndipo gawo lobwezera ngongole limayamba.
Kubweza Ngongole
Wobwereketsa amayamba gawo lobwezera la moyo wangongole nyumbayo itakhala yake yake. M'kupita kwa nthawi, wobwereketsa amalandira malipiro omwe amaphatikizapo chiwongoladzanja ndi chiwongoladzanja. Alangizi obwereketsa nyumba omwe amaliza maphunziro a CeMAP nthawi zambiri amathandizira obwereketsa kuwongolera zomwe amalipira ndikuyang'ana njira zowongolera chuma chawo, monga kubweza ndalama kapena kubweza ngongole.
Kusintha kwa Mikhalidwe
Obwereketsa amatha kukumana ndi kusintha kwa mikhalidwe yawo panthawi yobwereketsa nyumba, monga kufuna kusamuka, kukweza malipiro, kapena kuchotsedwa ntchito. Akatswiri obwereketsa atha kuthandiza obwereketsa kuyang'ana zosinthazi pogwiritsa ntchito kumvetsetsa kwawo kuchokera ku maphunziro a CeMAP. Atha kulangiza pa kugulitsa kapena kugula malo atsopano kapena kufufuza zotheka monga tchuti chamalipiro ndi kusinthidwa kwanyumba.
Kubweza Komaliza ndi Kutseka Ngongole
Ngongole imachepa pang'onopang'ono ngati wobwereka apereka malipiro. Nthawi yobwereketsa ngongole imatha ndi kubweza komaliza. Mawu ochokera kwa wobwereketsa amatsimikizira kuti wobwerekayo ndi mwini wake yekha wa malowo komanso kuti ngongoleyo yalipidwa zonse. Ndi nthawi yopambana komanso ufulu wachuma.
Kutsiliza
Onse omwe angakhale eni nyumba komanso akatswiri amakampani obwereketsa ndalama ayenera kumvetsetsa magawo a moyo wangongole. Mukamaliza maphunziro a CeMAP, alangizi obwereketsa ndalama adzakhala ndi chidziwitso chofunikira kuti athandize makasitomala kudutsa gawo lililonse lazovuta za kuzungulira. Moyo wobwereketsa ndi njira yovuta yomwe imafuna chidwi chatsatanetsatane, chidziwitso chazachuma, komanso kudzipereka kuthandiza makasitomala kukwaniritsa zolinga zawo za eni nyumba kuyambira nthawi yofunsira koyambirira mpaka nthawi yolipira komaliza. Kumvetsetsa zinthu zobisika za moyo uno kudzakuthandizani kuti mukhale ndi moyo wofulumira komanso wophunzitsidwa bwino, mosasamala kanthu kuti ndinu katswiri wodziwa kubwereketsa nyumba kapena ndinu mwininyumba.
