Ma luna o 50 mau makahiki a kūʻai i hale mua ma UK
Aloha lākou i ko lākou home Cardiff, kahi a lākou i noho ai no 15 mau makahiki, akā ua paʻakikī ke hoʻihoʻi i ka wā i hiki mai ai ka manawa e hoʻoponopono hou ai iā 3,5 mau makahiki i hala. Manaʻo lākou ʻo kā lākou koho wale nō ka hoʻemi ʻana i ka nui o ka hale.
"ʻO ka hui moraki a mākou i hana ai i ka hoʻomaka ʻana, ʻaʻole makemake nui i ko mākou kūlana a haʻi mai iā mākou ʻaʻole hiki iā mākou ke hoʻihoʻi. Akā ʻaʻole mākou makemake e neʻe. Aia ko mākou hale ma kahi kokoke i kahi paka a hiki iā mākou ke hele i ke kūlanakauhale i 20 mau minuke. ʻAʻole mākou i makemake i ka pilikia a me ke kumukūʻai o ka neʻe ʻana a me ka emi ʻana. Loaʻa iā mākou kahi moraki nui e pono ai mākou e hōʻemi, akā ʻaʻohe mea i hoihoi no ka mea aia mākou i nā kanaono," wahi a Fowler.
Hiki iaʻu ke loaʻa i kahi moraki ma 50 mau makahiki me ka waiho ʻole?
Inā ʻoi aku ʻoe ma mua o 50, manaʻo paha ʻoe he liʻiliʻi kou manawa e loaʻa ai kahi moraki, akā aia maoli nā tausani o nā huahana moraki ma UK e wehe ʻia ana i nā mea hōʻaiʻē ma luna o 50. A i ʻole ʻaʻole paha ʻoe i kūʻai i hale a ʻo ʻoe kekahi o ka nui ma mua o 50s i kūʻai no ka manawa mua ... ʻO ka loaʻa ʻana o kahi moraki no nā makahiki he 50 ʻoi aku ka maʻamau ma mua o kou manaʻo, akā ma mua o ke kau inoa ʻana i kahi ʻaelike hiki iā ʻoe ke kaupalena i kāu kālā e hiki mai ana. , e noʻonoʻo i kāu mau koho, e ʻimi i ka ʻaelike kūpono loa, a e nānā ʻia kāu ʻaelike e kekahi loea hilinaʻi. no nā kānaka ma luna o 50 makahiki.
Inā makemake ʻoe i kahi moraki amortization maʻamau, kahi pānaʻi uku pānaʻi wale nō, a makemake paha e komo i ke kaulike ma kou home o kēia manawa, aia paha kahi hopena e kōkua iā ʻoe e loaʻa ke kālā āu e pono ai. a me ke kālā kūpono. ʻO kou hauʻoli i ke kālā aia iā ʻoe.
ʻO ka loea moraki no nā makahiki he 50
Mai ka hoʻokomo ʻia ʻana o ka Mortgage Market Review (MMR) i ka makahiki 2014, ʻoi aku ka paʻakikī o ka noi ʻana i kahi moraki no kekahi: pono nā mea hōʻaiʻē e loiloi i ke kūpono a noʻonoʻo i nā kumu he nui, me ka makahiki.
ʻO ka pahuhopu ka hōʻoia ʻana ʻaʻole loaʻa nā hōʻaiʻē hiki ʻole i ka poʻe e hoʻomaha ana. Ma muli o ka emi ʻana o ka loaʻa kālā o ka poʻe ke hoʻōki lākou i ka hana a hōʻiliʻili i kā lākou penikala, paipai ka Risk Management Regulations i nā mea hāʻawi kālā a me nā mea hōʻaiʻē e uku i nā moraki ma mua o ia manawa. Eia naʻe, ʻaʻole hiki a hana paha kēia no kēlā me kēia kanaka, a ua hoʻohui kekahi mau mea hāʻawi kālā i kēia ma ka hoʻonohonoho ʻana i nā palena makahiki kiʻekiʻe no ka uku moraki. ʻO ka maʻamau, ʻo kēia mau palena makahiki he 70 a i ʻole 75, e waiho ana i nā mea hōʻaiʻē kahiko me nā koho liʻiliʻi.
ʻO ka hopena lua o kēia mau palena makahiki ʻo ia ka pōkole o nā huaʻōlelo, ʻo ia hoʻi, pono e uku wikiwiki ʻia. A ʻo ia hoʻi, ʻoi aku ka kiʻekiʻe o nā uku o kēlā me kēia mahina, hiki ke hoʻolilo iā lākou i mea hiki ʻole. Ua alakaʻi kēia i nā hoʻopiʻi no ka hoʻokae makahiki, ʻoiai nā manaʻo maikaʻi o ka RMM.
I Mei 2018, ua hoʻolaha ʻo Aldermore i kahi moraki hiki iā ʻoe ke loaʻa a hiki i ka makahiki 99 #JusticeFor100yearoldmortgagepayers. I kēlā mahina hoʻokahi, ua hoʻonui ka Family Building Society i kona mau makahiki kiʻekiʻe loa ma ka hopena o ke kau i 95 mau makahiki. ʻO nā mea ʻē aʻe, ʻo ka hapa nui o nā ʻoihana moraki, ua hoʻopau loa i ka makahiki kiʻekiʻe. Eia nō naʻe, ke koi mau nei kekahi mau mea hāʻawi kālā alanui kiʻekiʻe i ka palena o nā makahiki he 70 a i ʻole 75, akā i kēia manawa ua ʻoi aku ka maʻalahi o ka poʻe ʻaiʻē kahiko, ʻoiai ua hoʻonui ʻo Nationwide a me Halifax i nā palena makahiki i 80.
Hiki iaʻu ke loaʻa kahi moraki i ka makahiki 50 ma UK?
Ke hoʻokokoke nei ʻoe i ka hoʻomaha ʻana, ʻoi aku ka paʻakikī o ka loaʻa ʻana o ka moraki, no ka mea, ʻoi aku ka nui o nā mea hāʻawi kālā i nā palena makahiki kiʻekiʻe, ʻo ia hoʻi, ʻaʻole hiki ke hele i ka hopena o kāu mau moraki. Hiki ke pilikia nā kūlana kūpono. Eia mākou e wehewehe pehea e loaʻa ai kahi moraki hou, inā makemake ʻoe e hoʻololi i nā home a i ʻole e hoʻihoʻi i kou home o kēia manawa. ʻAʻole hiki ke koho ʻia kahi moraki 25 makahiki i ka makahiki 50.
ʻO ka pane pōkole ʻo ia, hiki iā ʻoe ke loaʻa i kahi moraki mai ka makahiki 50. Akā, pili ia i nā mea hāʻawi kālā e makemake e hāʻawi iā ʻoe i kahi hōʻaiʻē. E nānā nā kākāʻōlelo moraki akamai o ka Mortgage Advice Bureau i nā moraki mai 90 mau mea hāʻawi kālā like ʻole e hāʻawi iā ʻoe i ka ʻōlelo aʻo kūpono.
Inā makemake ʻoe e hōʻaiʻē kālā e hoʻihoʻi piha iā ia, hiki iā ʻoe ke koho i ka lawe ʻana i kahi moraki maʻamau, ʻoiai he nui nā mea hāʻawi kālā e makemake e hōʻaiʻē inā ʻoe i hoʻomaha. Hiki iā ʻoe ke noʻonoʻo i nā "moraki ola," e ʻae iā ʻoe e lawe i kahi hōʻaiʻē a hoʻohui i kekahi a i ʻole ka ukupanee āpau i ka moraki.
Loaʻa i ka hapa nui o nā mea hāʻawi kālā i ko lākou mau makahiki ponoʻī no nā moraki. ʻO kahi alakaʻi pili no ka ʻaelike ʻana i ka moraki ka makahiki kiʻekiʻe loa o 65 a 80 mau makahiki, a ʻo ka palena makahiki no ka hoʻopau ʻana i ka moraki ma waena o 70 a 85 mau makahiki.
