Momwe Kukwera kwa Chiwongola dzanja Kungakhudzire Ogula Ndi Ogulitsa Nyumba

Pamene Federal Reserve ikukweza ndalama za federal, zimatsogolera ku chiwongoladzanja chapamwamba pa chuma chonse, kuphatikizapo ndalama za ngongole.Tiyeni tikambirane m'nkhani ili pansipa momwe mitengoyi imakulitsira ogula, ogulitsa ndi eni nyumba omwe akufuna kukonzanso.

Momwe Ogula Nyumba Amakhudzidwira

Ngakhale mitengo yanyumba ndi ndalama za federal sizigwirizana mwachindunji, amakonda kutsatira njira yomweyo.Chifukwa chake, kuchuluka kwa ndalama za federal kumatanthauza kuchuluka kwa ngongole zanyumba kwa ogula.Izi zimakhala ndi zotsatira zingapo:

• Ndinu oyenerera kulandira ngongole yocheperako.Kuchuluka kwa chivomerezo chochokera kwa obwereketsa kumatengera zonse zomwe mwalipira pamwezi komanso ndalama zomwe mungathe kulipira potengera chiŵerengero chanu cha ngongole ndi ndalama (DTI).Mudzakhala ndi ngongole yocheperako yomwe mungathe kukwanitsa chifukwa malipiro anu pamwezi ndi apamwamba.Izi zitha kukhudza kwambiri ogula koyamba chifukwa alibe ndalama zogulira nyumba kuti athetse ngongole yocheperako ndikulipira kwambiri.
• Mutha kupeza kuti ndizovuta kupeza nyumba pamitengo yanu.Mitengo ikakwera, ogulitsa amakonda kusunga mitengoyo kuti isasinthidwe ndipo amatha kutsitsa ngati salandira zotsatsa pakapita nthawi, koma ndikofunikira kuzindikira kuti izi sizingachitike nthawi imodzi.Masiku ano, kuwerengera sikukwanira pamsika wanyumba kuti apitilize kugulitsa, makamaka zikafika panyumba zomwe zilipo kale.Pachifukwa ichi, kufunikira kwa pent-up kumatha kupitilira mitengo yokwera kwa nthawi yayitali.Ogula ena sangaganize zogula nyumba zatsopano kwakanthawi.
• Mitengo yokwera imatanthawuza malipiro apamwamba a ngongole.Izi zikutanthauza kuti mudzawononga ndalama zambiri pamwezi panyumba yanu.
• Muyenera kuyeza mosamala kugula motsutsana ndi kubwereka.Kawirikawiri, ndi mitengo yamtengo wapatali ikukwera mofulumira, mtengo wa lendi umakwera mofulumira kuposa malipiro a ngongole, ngakhale ndi mitengo yapamwamba.Komabe, mutha kuwerengera malinga ndi dera lanu chifukwa msika uliwonse ndi wosiyana.

Momwe Ogulitsa Nyumba Amakhudzidwira

Ngati mukukonzekera kugulitsa nyumba yanu, mungaganize kuti ndi nthawi yoyenera popeza mitengo yanyumba yakwera 21.23% chaka chino.Pamene mitengo ikukwera, pali zinthu zingapo zomwe muyenera kuziganizira:

• Ogula achidwi atha kuchepa.Mitengo yapamwamba ikutanthauza kuti anthu ambiri atha kugulidwa pamsika wamakono.Izi zikutanthauza kuti, zitha kutenga nthawi yochulukirapo kuti zotsatsa zibwere kunyumba kwanu ndipo mutha kudikirira kwakanthawi kuti mugulitse nyumba yanu.
• Iwe wanga ukuwona kuti ndizovuta kupeza nyumba yatsopano.Chimodzi mwa zifukwa zomwe zimapangitsa nyumba yanu kukhala yofunikira kwambiri ndikukweza mitengo yanyumba ndi chifukwa chakuti pali zosankha zochepa zomwe zilipo pamsika.Zomwe muyenera kuzindikira ndikuti ngakhale mutapeza ndalama zambiri kunyumba kwanu, mutha kuwononga ndalama zambiri kuti mupeze nyumba ina.Mudzakhalanso mukuchita zimenezi ndi chiwongola dzanja chokwera.
• Nyumba yanu singagulitse kwambiri momwe mumayembekezera.  Ili ndiye gawo lovuta kwambiri kuneneratu chifukwa zowerengera ndizochepa zomwe mitengo ikhalabe yokwera m'malo ambiri kwa nthawi yayitali kuposa momwe zimakhalira pakukwera kwamitengo.Komabe, panthawi ina, chipwirikiti cha nyumba chidzatha.Mutha kutsitsa mtengo wanu kuti mupeze zotsatsa zikachitika.Mmene Eni Nyumba Amakhudzidwira?

Ngati ndinu mwini nyumba, momwe mungakhudzire kuchuluka kwa ndalama za federal zimadalira mtundu wa ngongole yomwe muli nayo komanso zolinga zanu.Tiyeni tione zochitika zitatu zosiyana.

Ngati muli ndi ngongole yobwereketsa ndipo palibe chomwe mungachite, mtengo wanu sudzasintha.M'malo mwake, chinthu chokhacho chomwe chingasinthe malipiro anu ndikusintha kwamisonkho ndi / kapena inshuwaransi.

Ngati muli ndi ngongole yobwereketsa, mtengo wanu ukhoza kukwera ngati mtengowo uyenera kusinthidwa.Zoonadi, ngati izi zidzachitika kapena ayi komanso ndi kuchuluka kwa ndalama zomwe zimadalira zisoti mu mgwirizano wanu wa ngongole komanso kuchuluka kwa ndalama zomwe muli nazo panopa kuchokera kumitengo ya msika pamene kusintha kukuchitika.

Muyenera kudziwa kuti ngati mwatenga ngongole yatsopano nthawi iliyonse m'zaka zingapo zapitazi, mwina simukhala mukupeza ndalama zochepa ngati mukuyang'ana pa refinancing.Komabe, chinthu chimodzi choyenera kukumbukira ndi chakuti mumsika woterewu ndikuti zaka zakukwera kwamitengo zikutanthauza kuti anthu ambiri ali ndi ndalama zambiri.Mwachitsanzo, izi zitha kukuthandizani pakuphatikiza ngongole.

Pamene Fed ikweza ndalama za federal, chiwongoladzanja chimakonda kukwera m'dziko lonselo.Mwachiwonekere, palibe amene amakonda ziwongola dzanja zapamwamba, nthawi zonse zimakhala zotsika kuposa chiwongola dzanja kuchokera ku kirediti kadi yanu.Kuphatikizira ngongole kungakupatseni mwayi wobweza ngongole yachiwongola dzanja chambiri ndikubweza ngongoleyo pamtengo wotsika kwambiri.

Zomwe Ogula Nyumba Angachite Kenako

Kukwera kwa chiwongoladzanja cha chiwongola dzanja nthawi zambiri sichabwino, koma izi sizimakulepheretsani kuchoka kwa wogula nyumba kupita kwa mwini nyumba waku America watsopano.Zonse zimatengera momwe ndalama zanu zilili komanso ngati mutha kubweza ngongole zanyumba zokwera pang'ono pamwezi.

Muyenera kugula mosasamala kanthu kuti ndi msika wabwino ngati mwangokhala ndi mwana ndipo mukufuna malo ochulukirapo kapena muyenera kusamuka kuti mukagwire ntchito.

Muyenera kukhalabe ndi chiyembekezo ngakhale mitengo ikukwera ngati mungagule nyumba.