Kugwiritsa ntchito ngongole yanyumba ngati ngongole yamagalimoto
Kodi sikwabwino kugwiritsa ntchito ngongole kugula galimoto?
Chifukwa mitengo ya ngongole imakhala yotsika kuposa ndalama zamagalimoto, mwina mukuganiza kuti mungagwiritse ntchito bwanji ngongole yanu kugula galimoto.
• Lembaninso
• Kubweza ndalama
Kukonzanso kuchokera ku ngongole yanu
Ngati mukupita patsogolo ndi malipiro anu a ngongole, ndiye kuti mwapeza "stash" yomwe mungagwiritse ntchito kuti mugulitse galimoto yanu. Pali zabwino ndi zoyipa zomwe muyenera kuziganizira musanachite izi.
Плюсы
Kusavuta. Pogwiritsa ntchito ndalama zapakhomo, mudzakhalabe ndi ngongole imodzi yokha, osati ziwiri.
Kuthamanga - Kutengera wobwereketsa wanu, kujambulanso kumatha kukonzedwa mwachangu kwambiri. Mosiyana ndi kulandira ngongole kuyambira pachiyambi, simudzasowa kutsimikizira ndalama kapena kulandira macheke angongole.
Kukwanitsa - Ngati simungakwanitse kuyika ndalama zambiri kuti mulipire ngongole yanu pakali pano (mwachitsanzo, ngati banja lanu lachepetsa ndalama zomwe mumapeza kwakanthawi), kugwiritsanso ntchito ngongole kungakupatseni mwayi wogula galimoto popanda kuwonjezera ndalama zanu. ndalama. malipiro ochepa a ngongole.
Минусы
Mtengo. Ngakhale kuti chiwongoladzanja chikhoza kukhala chochepa, kukula kwa ngongole ndi zotsatira za chiwongoladzanja chowonjezereka pakapita nthawi zikutanthauza kuti mungakhale mukulipira chiwongoladzanja chonse polipira galimoto yanu kudzera mu ngongole.
Komabe, chiwongola dzanja chowonjezerachi chikhoza kuthetsedwa ndi ndalama zowonjezera.
Onani chitsanzo chomwe chili pansipa kuti muwonetse momwe izi zimagwirira ntchito.
Kutsata
Ngati mukufuna kugawa ndalama zanu kuti muthe kusankha zomwe mumalipira komanso nthawi yanji, kuwonjezera ndalama zatsopano kubwereketsa kumachepetsa izi.
Chitsanzo:
Tebulo ili m'munsiyi likuwonetsa kuyerekezera kosavuta kwa ngongole yamagalimoto (kuphatikiza mtengo wangongole yomwe ilipo) motsutsana ndi kubweza ngongole yanyumba. Izi zidachitika pogwiritsa ntchito chowerengera chobwezera ngongole.
Reraw A: Ndalamazo zitakonzedwanso kuti zigule galimoto, malipiro ochepa okha amaperekedwa pa ngongole. Mtengo wowonjezera wa galimotoyo, womwe sunathetsedwe ndi malipiro ena owonjezera, umabweretsa chiwongola dzanja chowonjezera cha $ 11,500 pazaka 20 zotsala za ngongoleyo.
Reraw B: Poonjezera malipiro a ngongole yanyumba mutawononga galimoto, mukhoza kupewa kulipira chiwongoladzanja chokwanira pa moyo wanu wonse wa ngongole.
Zinthu zina zofunika kuziganizira
• Wobwereketsa wanu akhoza kukulipirani ndalama zobwereketsanso (nthawi zambiri mwadzina), kukhazikitsa ndalama zochepera kubwereketsa, kapena kukuwonetsani kuti muli ndi ndalama zochepa m'nyumba mwanu (monga 20%).
• Ngati simunakambiranenso za ngongole yanu yanyumba, mungafunike kulembetsa kapena kukhazikitsa chilolezo.
Kubwezeranso ngongole yanu yanyumba
Ngati mwachedwa kubwereketsa ngongole ndipo mulibe ndalama zogulira, mutha kuyankhula ndi wobwereketsa yemwe alipo kapena watsopano kuti akubwezereni ngongole yanu kuti mupeze ndalama zomwe mukufuna kugula galimoto.
Zidzatenga nthawi kuti mukonzekere kusiyana ndi kujambulanso. Ndalama zanu zidzawunikidwanso, kuphatikizapo mtengo wa nyumba yanu poyerekeza ndi ndalama zomwe mukufuna kubwereka. Izi zitha kuphatikizanso kuyang'anira nyumbayo ndi wowerengera.
Плюсы
• Njira yobwezeranso ndalama imatha kukhala yosinthika, monga kutsitsa ndalama zobweza powonjezera nthawi yangongole (koma izi zitha kukulitsanso chiwongola dzanja chonse).
• Kutengera ngongole yanu (ndi nthawi yayitali bwanji yomwe munalandira), muthanso kulandila chiwongola dzanja chochepa kapena zinthu zina zabwinoko pazomwe mukupanga.
Минусы
• Wobwereketsa nyumba atha kukulipirani ndalama zobwezeredwa. Itha kukhala yokwera mpaka $500, ndiye ndiyenera kuyang'anatu pasadakhale.
• Ngongole yanu idzawonjezeka. Ngati mubweza ndalama zochepa, izi nthawi zambiri zimabweretsa kuwonjezeka kwa chiwongoladzanja chonse.
Zinthu zina zofunika kuziganizira
• Opereka ngongole zambiri amakhala ndi zilango pakubweza ngongole akadali achichepere, choncho kumbukirani izi ngati mukuganiza zosintha obwereketsa.
• Pali zingapo zosiyanasiyana refinancing options zilipo. Tengani nthawi yoganizira mozama za zolinga zanu kuti muwonetsetse kuti mutha kukhala ndi yankho lomwe liri loyenera, osati locheperapo, loyenera momwe mulili!
• Ngati mubweza ngongole kuti mubwereke kuposa ndalama zomwe munabwereka poyamba, sitampu ikhoza kugwira ntchito.
MFUNDO YOTHANDIZA: Ngati mukugula galimoto yosagwiritsidwa ntchito ngati chikole, mungagwiritsenso ntchito nyumba yanu ngati chikole cha ngongole kuti muchepetse chiwongoladzanja chanu (ngakhale samalani ngati simukukwaniritsa malipiro anu!).
