US ah Inn leite’ Theihding Thu Pawlkhat (A theinuam te aading)

US ah Inn leite’ Theihding Thu Pawlkhat (A theinuam te aading)

US ah inn leiding aa dawp hiauhiau laitak nahiam? Inn na leikhit zawh kum 1, kum 2, kum 5 bang pha khin hiam?? A nuai aa thu thum lak pan Khat (OR) Nih(OR) a Thum aa na zatkhop theihleh na summeet(Interest) piakding lak pan 20-50% bang noptuam ding aa, na sum lohkik hun kum30 lakpan Kum 3-10 kikal bang kiamtuam ding hi.

1. Kha sim in ongtung ding mai kha’ SUMBUL(principal) aading $25, $50, $100 cih bangin piabeh lecin.
–Gentehna: A olno in genleng, nang $ 250,000 manh inn khat leii, tualak pan $50,000(20%) pia pah. Tua hileh $200,000 pen Bank, Insititution te kiang pan na leitawi kuul. Kum 30 ai(mortgage), a meet(interest) 6% hileh kha sim aa na piak ding [sumbul(principal) +A meet(interest) + Inn ii Siah(property tax) + House Insurance, etc.] pen $ 1200 in ngaihsun pak ni. Kha sim aa tampi na piakbeh zawh kei leh $50($50+$1200=$1250) cih bang in na leitawi(borrow) ciil aa kipan KHA SIM pia beh leteh Kum 30 lakpan Kum THUM kiamtuam ding aa kum 30 ai summeet(interest) na PIAKDING $231,676 lak pan $ 27,879 nuamtuam ding hi. A ZENZEN in khasim(monthly) $100 ta bang piabeh zo leteh Kum SAGIH bang kiamtuam ding aa, piakkul summeet lakpan $ 70,000 kiim bang noptuam ding hi.

THEIH DING: (1) Atung aa gentehna sung aa sum meet(interest rate), Siah(tax rate), Insurance tepen hih bang(rate) lian hi cihna hilo hi. Nang omna State zui, US economy zui aa kum sim a kikhel theizel thu hi. (2) Maikha ai sumbul napiak kholh ciang in Bank, Institution tekiang ah maikha aiding SUM BUL(principal) ding hi cih hamtang ding mangngilh ken. Na piakkholhna hang in na batlai Sum Bul kiam sak2 ban ah, tua ai piakkul sum meet(interest) a kiam2 hipah hi. (3) Cheque na at ding ciang, kha sim aa napiakloh phamawh khasim ai leh na piakkholh nop pen, Cheque a TUAM TUAK in at le cin hoihzaw khathei hi. Hihlam tawh kisai athei(expert) te dong hamtang in.

2. Kum khat ciang KHAT vei ta SUM BUL(principal) lomhpiak.
–Gentehna: Kha sim aa tawm2 ta piakbeh ding haksa na sakleh TAX return, Annual BONUS, Letsong, cihbang nangah hun teh $1,000 ta bang kum sim aa piabeh le cin Kum 30 lakpan Kum 5 bang kiamtuam ding aa, piakkul sum meet lakpan $42,760 nuamtuam ding hi. Kumsim $2,000 bang pia beh zole cin; kum bangzah, sum bangzah phatuam ding hiam?? Ngaihsun in!!!

3. Kal nih ciang Khatvei(Bi-weekly) aa pia. Hihpen Bank, Institutions khempeuh in neikhin lothei hi. Dongh hamtang in. Kalsim (OR) kal nih hal aa nasep thaman SUM SANG te aading hoih PHADIAK hi. Kumkhat sung ah kal(week) 52 om ahihteh kalnih hal(bi-weekly) aa napiak pen 26 vei(=kha 13) apia suakpah hiteh.
— Gentehna: $200,000 leitawi, a meet 6%, kal nih hal(bi-weekly) aa pia hile cin kum 30 lakpan kum GUK kiamtuam, piakkul sum meet $ 51,289 nuamtuam hi.

Dotna leh Dawnna
-Pucil: Kum 30 tiaituai sang kum 15 te la leng a meet tawm kipia khazaw hilo ahia?
Nantal: Ameet(interest rate) bel tawm kipia khazaw mah hi. Na khasum in adaihnak leh kum 15,20 te hoih hi.Ahihhang khasim in pia denzo kei le cin nang aa ding supna tampi piangding hi.

-Pucil: Kum 30 ai mah la-in kum 15,20 te dan in ngaihsun kawm-in atam thei2 piazo leng kiloh gai baih ding aive mate??
Nantal: Himah! Kum 30 ai na lakna hang in sumleh pai zatding omlo zah dong aa INN man leibat tawh lungkham tawmtuam hi. Tuaban ah khasim in tawm2 ta, (OR) kum sim $1,000, $2,000 cihbang, nang sum lom ngah, nang lemdandan in kipiak beh thei aa kum tampi, sum tampi nuamtuam hi.

-Pucil: Bank, Institution te ngetloh pi aa maikha ai ding sum bul(principal) pawlkhat piakhol leng liausak(prepayment penalty) a om diam??
Nantal: Tu hunteh tua bang aa piakkholh thaman liausak(Prepayment penalty) om nawn lo phial hi. Ni dang in bel, na sum leitawi kipat zawh kum3-5 ma lim2, sum bul na piakkholh nop leh liausum om sak aa tuazong bel atamlua hisam kei. Contract(ki tukimna lai) ah letmat(signature) na thuh ma in asung aa thu te, laimal te limtak entel masa phot in. Letmat na thuh khitteh asung aa om bang nazuih loh pha mawh aa na zuih keileh buaina tuakding hiteh.

A tung aa ihgen te khat teeiteei in phattuam pihding deihna tawh akigelh ahihi. Theihbehnop a om leh bankrate.com , mortgageloan.com ah manglai tawh kisim thei hi.

Dotnop, dawnnop, kuppihnop, behlapnop, hawmthawhna a om leh [email protected] ah ki email thei hi.

Lungdam!!
Tg. Lianpu Gualnam