Kodi ndalama zanga zanyumba zidzatsika pakadutsa zaka 5?
Kwa ambiri aife, kugula nyumba kumatanthauza kutenga ngongole. Ndi imodzi mwa ngongole zazikulu zomwe timatenga, kotero ndikofunikira kumvetsetsa momwe malipiro amagwirira ntchito komanso zomwe mungasankhe kuti muchepetse.
Ndi ngongole ya amortization, malipiro a mwezi uliwonse amapangidwa ndi magawo awiri osiyana. Mbali ina ya chiwongola dzanja cha pamwezi idzagwiritsidwa ntchito kuchepetsa kuchuluka kwa ngongole zomwe zatsala, pomwe zotsalazo zidzagwiritsidwa ntchito kubweza chiwongoladzanja cha ngongoleyo.
Mukadzafika kumapeto kwa nthawi yanu yobwereketsa, wamkulu yemwe mudabwereka adzabwezedwa, kutanthauza kuti ngongoleyo idzabwezeredwa mokwanira. Gome lotsatirali likuwonetsa momwe chiwongola dzanja ndi malipiro oyamba zidzasinthire panthawi yobwereketsa.
Komabe, kumapeto kwa zaka 25, mudzafunika kubweza ndalama zokwana £200.000 zomwe mudabwereka poyamba; ngati simungathe, mungafunike kugulitsa malowo kapena kuyang'anizana ndi chiopsezo cholandidwa.
Tiyeni tibwererenso ku chitsanzo chathu cham'mbuyomu cha ngongole yazaka 200.000 ya £25 yokhala ndi chiwongola dzanja cha 3%. Mukalipira ndalama zokwana £90 pamwezi, mutha kubweza ngongoleyo m'zaka 22 zokha, ndikukupulumutsirani zaka zitatu zolipira chiwongola dzanja pa ngongoleyo. Izi zitha kupulumutsa £11.358.
Kuwonongeka kwa Malipiro a Escrow Mortgage
Ngati mulandira phindu linalake ndipo mukuvutika kubweza ngongole yanu yanyumba, mutha kupeza thandizo kuchokera ku boma kuti likupatseni chiwongola dzanja pa ngongole yanu yanyumba. Izi zimatchedwa Mortgage Interest Assistance (SMI).
Popeza thandizo lomwe mwalandira tsopano ndi ngongole, mudzalipidwa chiwongola dzanja. Mukalandira chithandizo kwanthawi yayitali, m'pamenenso mumalipiritsa chiwongola dzanja. Zokonda izi zimawerengedwa tsiku lililonse ndipo zimatha kusiyana. Komabe, simungasinthe kupitilira kawiri pachaka.
Nyumbayo ikagulitsidwa, ngati palibe ndalama zokwanira zotsalira mutalipira ngongole kuti mubweze ngongole ya SMI, ndalama zotsalazo zidzathetsedwa. Ndipo a DWP adzaona kuti ngongoleyo yabwezedwa mokwanira.
Ngati mukuvutika kulipira ngongole yanu, funsani wobwereketsa kuti mudziwe chithandizo chomwe angakupatseni. Izi zingaphatikizepo "tchuthi" cholipirira pang'ono kapena kuchedwetsa kukuthandizani kuti mudutse pakanthawi kochepa kapena nthawi yotalikirapo pa ngongole yanu yanyumba.
Ngati mukuyenera kuthana ndi kukwera mtengo kwa moyo, koma mulibe ndalama zowonjezera, fufuzani za magwero opezera ndalama zowonjezera ndi chithandizo chomwe chilipo chokuthandizani kusamalira mabilu anyumba yanu ndikusunga ndalama mu kalozera wathu Kukhala ndi ndalama zochepa.
Chigawo choyamba cha ngongole ya Santander
Ngongole ndi mtundu wangongole womwe umagwiritsidwa ntchito pogula nyumba kapena katundu wina. Ngongole yobwereketsa imalola wobwereketsayo kutenga malowo ngati simukubweza ngongoleyo panthawi yake. Katunduyo ndiye chikole pa ngongoleyo. Kawirikawiri, ngongole yobwereketsa ndi ngongole yaikulu ndipo imalipidwa kwa zaka zambiri.
Panyumba yobwereketsa, muli ndi udindo wolipira nthawi zonse kwa wobwereketsa. Malipiro amalipira chiwongola dzanja pa ngongoleyo kuphatikiza gawo la wamkulu (kuchuluka kwa ngongole). Malipiro angaphatikizeponso misonkho ya malo, inshuwaransi, ndi zowonongera zina zofananira nazo.
Mukalipira ngongole yanyumba, wobwereketsayo amazigwiritsa ntchito kuti abweze chiwongoladzanja. Kenako zomwe zatsala zimapita kwa wamkulu ndipo, nthawi zina, misonkho ndi inshuwaransi. Poyamba, ndalama zochepa zimapita kwa mphunzitsi wamkulu, koma pang'onopang'ono, ndalama zambiri zimapita kwa mphunzitsi wamkulu mpaka zitakhazikika. Gawo la malo omwe amalipiridwa - ponse paŵiri kubweza ngongole ndi kubweza ngongole - amatchedwa equity ya nyumba.
Chinsinsi chopulumutsira ndalama pa ngongole yanu yanyumba ndikulipira mkuluyo mwachangu momwe mungathere. Ngati mutha kubweza ndalama zowonjezera malinga ndi zomwe mwabwereketsa, wobwereketsa adzawagwiritsa ntchito mwachindunji kwa wamkulu. Pochepetsa kuwerengera, mutha kusunga masauzande, kapena masauzande, a madola pachiwongola dzanja. Koma ngati muli ndi ngongole yachiwongola dzanja chambiri, monga ngongole ya kirediti kadi, kapena mabizinesi ena omwe angakubwezereni ndalama zambiri, mungakhale bwino kugwiritsa ntchito ndalama zanu pazinthuzo musanapereke ngongole yanyumba.
Kodi ndi gawo lanji la chiwongola dzanja changa cha pamwezi?
Ngati mukuvutika kubweza ngongole yachiwiri kapena ngongole ina panyumba yanu, muyenera kupeza upangiri kuchokera kwa mlangizi wodziwa bwino zangongole. Mutha kupeza malangizo ku Citizen Service Office.
Malamulowa amati wobwereketsa nyumbayo akuyenera kukuchitirani chilungamo ndikukupatsani mwayi wovomera kubweza ngongoleyo, ngati mungathe kutero. Muyenera kuvomereza pempho lililonse lomwe mungafune kuti musinthe nthawi kapena njira yolipirira ngongole yanu. Ngati ngongole yanu idachotsedwa October 2004 isanafike, wobwereketsayo ayenera kutsatira malamulo omwe analipo panthawiyo.
Ngati mukuganiza kuti wobwereketsa wanu sanasamalire bwino nkhani yanu, muyenera kukambirana ndi wobwereketsa wanu. Ngati mwasankha kudandaula, wobwereketsa wanu ayenera kuvomereza kuti walandira madandaulo anu mkati mwa masiku 5 a ntchito.
Ngati mwadzidzidzi mwataya ntchito kapena ndalama zanu, yang'anani kuti muwone ngati muli ndi inshuwaransi yoteteza kubweza ngongole. Mwinamwake mwagula ndondomeko pamene munalandira ngongole yanu kapena pambuyo pake. Inshuwaransi siyingatengedwe ndi wobwereketsa.
