Kodi mukusowa ngongole yanyumba, koma mulibe ngongole yodumpha mndandanda wodikirira kubanki?
Kapena mwinamwake mwakhala mukulipira ngongole yanu, koma tsopano mukuyang'ana chiwongoladzanja chochepa komanso / kapena wobwereketsa wina.
Ngati izi zikumveka ngati vuto lanu, ndiye kuti kubweza ndalama kungakhale kwa inu! Phunzirani zambiri za zomwe zili komanso momwe mungachitire kuchokera ku kalozera wathu woyambira pansipa.
Kodi Refinance ndi chiyani?
Ndi njira yosinthira ndikusintha makonzedwe angongole, nthawi zambiri ngongole kapena ngongole.
Kenako mutha kugwiritsa ntchito ndalama zomwe muli nazo lipira ngongole yanu yanyumba, zomwe zikutanthauza kuti mutha kutsitsa malipiro apamwezi.
Kodi Refinancing Imagwira Ntchito Motani?
Gawo loyamba la refinancing ndikuwona momwe mulili ndi ngongole pa ngongole yanu mpaka pano. Ngati mutangoyamba kulipira ngongole yanu ndikuyamba kulipira m'mwezi waposachedwa, ndiye kuti ndi ndalama zomwe mudzafunika kuti mubwezerenso ndalama.
Nthawi zambiri mudzakhala ndi gawo la ndalama zanyumba zomwe zatsala mutalipira chiwongola dzanja.
Kuti mupeze zotsatira zabwino kuchokera ku refinancing, ndikofunikira kuti mumvetsetse bwino momwe zimagwirira ntchito komanso phindu ndi zovuta zomwe mungayembekezere.
Kodi Ubwino Wa Refinancing Ndi Chiyani?
Pali maubwino angapo omwe mungapeze pakubweza ndalama, kuphatikiza:
Sungani Ndalama
Pamene inu refinance wanu nyumba ngongole, mukhoza kuchepetsa malipiro anu pamwezi ndi sungani ndalama pa chidwi. Ngati mukufuna kusunga ndalama zamtsogolo, izi zitha kukhala zopindulitsa kwambiri.
Kusiyana pakati pa ndalama zomwe mudabweza musanabwezerenso ndi pambuyo pake ndi kuchuluka kwa ndalama zomwe mudasunga!
Ngongole Kusinthasintha
Ngakhale mudzakhala ndi nthawi yobwereketsa zaka 30 mukakonzanso, izi sizikutanthauza kuti zakhazikitsidwa mwala. Ngati chiwongola dzanja chitsikanso m'zaka ziwiri kapena zitatu, mutha kugwiritsa ntchito refinancing kuti muchepetsenso ngongole zanu ndikusunga nthawi yobwereketsa yomweyi.
Kuyika Ndalama
Ngati nyumba yanu ili ndi ndalama zokwanira, kubweza ndalama kungakhale njira yabwino yoyika ndalama zomwe simukuzifuna pakalipano mu akaunti yomwe ikukula. Onetsetsani kuti mwasunga ndalama zotsekera ngati mukufuna kutseka kubweza ndalama m'miyezi ingapo ikubwerayi.
Kuphatikiza Ngongole
Ndi refinancing, mutha kuphatikizira ngongole yanu yonse kukhala ngongole imodzi ndikupanga zolipirira pamwezi kukhala zotsika kwambiri. Izi zikutanthauza kuti chiwongola dzanja chanu chonse chakhazikika, kotero simuyenera kulipira chiwongola dzanja pa ndalama zowonjezera zomwe mumasunga.
Lipirani Ngongole Yanu Posachedwapa
Ngati mwakhala mukuyesera kulipira ngongole yanu yonse, refinancing ndi njira yabwino kwambiri yochitira izi popanda kuwononga ngongole yanu. Ndi obwereketsa ambiri, masiku ano, mudzatha kulipira ngongole yanu yanyumba posachedwa ndi refinancing.
Kodi Kuipa Kwa Refinancing Ndi Chiyani?
Pali zovuta zosiyanasiyana zomwe muyenera kuziganizira musanapereke ndalama, monga:
Kuwonjezeka kwa Malipiro a Mwezi uliwonse
Anthu ambiri amaganiza kuti refinancing amachepetsa malipiro awo pamwezi pakapita nthawi, koma izi sizikhala choncho nthawi zonse.
Kutengera kutalika komwe mwakhala ndi nyumba yanu komanso momwe msika wasinthira kuchokera pomwe mudagula, kubweza ndalama kumatha kukupulumutsani ndalama pang'ono mwezi uliwonse.
Nthawi Yangongole Yalitali
Kubweza ngongole yanu kumakupatsani mwayi wowonjezera nthawi yanu ya ngongole mpaka zaka 30, ndikukupatsani nthawi yochulukirapo yolipira ngongole yonse. Ichi ndi chinthu china chabwino chokhudza refinancing ndipo chidzakupulumutsani pakapita nthawi, koma ndichinthu chomwe muyenera kuganizira musanabwezerenso ndalama.
Palibe Ndalama Zotsekera
Popeza refinancing imakhudzanso ngongole yatsopano, palibe ndalama zotsekera zomwe zimakhudzidwa.
Mutha kulandira ngongole popanda ndalama zolipirira kapena zowongolera. Komabe, anthu ambiri amaona kuti ayenera kubweza zina mwa ndalama zawo zomwe amapeza mwachangu kuti apewe kubweza chiwongola dzanja.
Kodi Refinancing imasiyana bwanji ndi Kusintha kwa Ngongole?
Kusintha kwa ngongole kumasiyana ndi kubwezeretsanso ndalama chifukwa kumaphatikizapo kupempha wobwereketsa kuti akuthandizeni kuchepetsa chiwongola dzanja chanu kapena kuchepetsa malipiro anu. Refinancing ndi njira yosiyana yomwe ingapangitse chiwongoladzanja chochepa kusiyana ndi kusintha kwa ngongole, choncho ndikofunika kusiyanitsa pakati pa ziwirizi.
Kusintha kwa ngongole ndi pamene wobwereketsa akutenga ndalama zochepa kuchokera kwa inu kuti achepetse malipiro anu pamwezi.
Refinancing, komabe, ndi pamene muika ngongole yatsopano motsutsana ndi mtengo wa nyumba yanu kuti muthe kulipira zina zomwe muli nazo ndi malipiro ochepa.
Njira yobweza ngongole yobwereketsa ingakhalenso yosiyana ndi boma ndi boma chifukwa cha malamulo ndi malamulo osiyanasiyana, ngakhale eni nyumba ambiri amawona kuti ndizosavuta kuposa kuyesa kusinthidwa ngongole.
Kutsiliza
Njira yobwezeranso ndalama idapangidwa kuti ichepetse zolipira pamwezi ndipo zingapangitse chiwongola dzanja chochepa.
Iyi ikhoza kukhala njira ina yoyenera kwa inu kutengera momwe zinthu ziliri; lingalirani za zanu, ngati ziri zomveka. Mwa kupanga chisankho mwanzeru, mutha kusunga ndalama, kukhala ndi moyo wabwino komanso kusangalala ndi mawa opanda ngongole.
Siyani Mumakonda