Ndalama zopangira kunyumba ndi zovuta komanso zosokoneza.
M'malo mokhala ndi ngongole yamtundu umodzi, ogula ogula nyumba ayenera kumvetsa njira ziwiri zosiyana zopezera ndalama, kapena mankhwala, komanso mawu omwe amagwiritsidwa ntchito kwa aliyense.
Kumvetsa momwe ndalama zimagwirira ntchito panyumba , komanso mawu omwe amagwiritsidwa ntchito panthawiyi adzakuthandizani kupeza mwayi wopeza ntchito yabwino. Tidzasankha njira ziwiri zopezera ndalama zomwe zimapangidwa kuti tigulitse ogula nyumba, katundu weniweni, ndi katundu wathu.
Katundu weniweni ndi katundu waumwini
Nyumba zopangidwa zingapangidwe m'njira ziwiri - monga katundu weniweni kapena katundu wanu. Mutu wa nyumbayo umatengera mtundu wa ndalama zomwe zilipo pakhomo. Pali magulu awiri a ngongole - ngongole zapakhomo (kapena ndalama) ndi ngongole za chattel.
Malo enieni ndi malo omwewo malo omwe amamangidwa kunyumba amalandira. Nyumba yomangidwa yomwe imatchedwa kuti katundu weniweni idzapatsidwa ndalama zoyendetsera kunyumba kapena ndalama zogulitsa ngongole kudzera mu ngongole kapena banki. Pali ubwino wambiri ku ngongole ya kunyumba monga malipiro a ngongole, malipiro apadera a msonkho, ndi kuchepa kwa chiwongoladzanja. Kuti nyumba yatsopano yopangidwa kuti ikhale malo eni eni, imayenera kuikidwa pa malo omwe wogulayo ali nawo.
Nyumba yosungidwira yokhazikika imatanthauza kuti nyumbayo yakhazikitsidwa bwino ku maziko kapena pansi ndikukumana ndi ojambula, boma, kapena HUD zochepa zofunika.
Anthu ambiri sakumvetsa mfundo ya malo osatha. Zilibe zochepa kwambiri ndi zojambulazo. Nyumba ikhoza kukhala ndi chimbudzi kapena njerwa yomwe imakulungidwa koma sichikhazikitsidwa nthawi zonse ngati matayala kapena angwe asagwiritsidwe ntchito molondola.
Pakhomo laumwini ndilo mtundu womwewo umene galimoto kapena zipangizo zam'manja zimalandira.
Pamene nyumba yopangidwa ndipadera, idzapatsidwa ndalama ndi ngongole ya chattel. Izi ndi ngongole zopangidwa ndi zinthu zomwe zimasuntha ndipo nthawi zambiri zimanyamula chiwongoladzanja cha chiwongoladzanja ndi mafupitafupi ngakhale kuti ndalama zomwe zimayenera kubweza ngongole zimakhala zocheperapo kuposa ngongole. Izi ngongole zimakhala zogwiritsa ntchito nyumba zomwe zidzaikidwa pamalo omwe amachoka kapena kubwerekedwa.
Ngongole za ngongole zingakhale zovuta kupeza, choncho amalonda amapereka ndalama zawo kudzera m'mabungwe a zachuma. Angakhalenso ndi mndandanda wochepa wa mabungwe okongoza ngongole omwe amagwira nawo ntchito nthawi zonse. Wogula sayenera kugwiritsa ntchito limodzi; Amatha kugula ngongole zawo monga momwe angakhalire ndi ngongole.
Mfundo Yofunika Kwambiri
Kuwonjezera pa kukhala zovuta komanso zosokoneza, zopanga ndalama zapakhomo nthawi zambiri zimakhala zopanda chilungamo chifukwa mabungwe onse monga Fannie Mae ndi Ginnie Mae omwe amapereka ndalama zowonongeka kwa eni eni samapereka zowonongeka zomwe zimagwiritsidwa ntchito poyendetsera ngongole. Chotsatira chake, ngongole za ngongole, mosasamala kanthu za momwe ndalama zanu zingagwiritsidwire ntchito, sizingatheke kupikisana ndi chikhalidwe chokwanira.
Ngati muli ndi luso lopeza katundu weniweni, mungathe kugwiritsa ntchito mwayiwu.
Ndalama zomwe mungathe kuzipulumutsa pazinthu zowonjezera ndi zolipira msonkho nthawi zambiri zimakhala zosayerekezera ndi ndalama zomwe zimakhalapo kuti nyumbayo ikhale yosasunthika pamtunda.