Kodi angatengenso nyumba yanu panthawi yachifumu?
Ngati mulephera kubweza ngongole yanu yanyumba, wobwereketsa atha kuchita zokongoletsa ngati njira yomaliza. Wobwereketsayo ayenera kudutsa njira zina asanakuwonongereni nyumba yanu. Masitepe awa akufotokozedwa mu "pre-action protocol".
Pre-action protocol imafotokoza zomwe inu ndi wobwereketsa muyenera kuchita musanachitepo kanthu kuti mutseke nyumba yanu. Zimagwiranso ntchito kubwereketsa nyumba zambiri. Protocol ikhoza kuthandiza obwereketsa ndi obwereketsa kupeŵa milandu. Pamsonkhano wa khothi, inu ndi wobwereketsa wanu muyenera kusonyeza kuti mwatsatira ndondomekoyi.
Ngati muphwanya mgwirizano uliwonse womwe mumapanga ndi wobwereketsa wanu, wobwereketsayo ayenera kukupatsani chidziwitso cholembera kuti akukonzekera kuchitapo kanthu. Ayenera kukutumizirani kalata yokudziŵitsani kutsala masiku 15 kuti achite.
Wobwereketsa wanu akhoza kuchedwetsa kukongoletsa ngati mukutsutsa ndondomeko yanu yoteteza kubweza ngongole. Iyi ndi inshuwaransi yomwe imakulipirani mukadwala kapena kutaya ntchito. Ngati mupanga chiwongola dzanja, chikhoza kulipira zina kapena zonse zomwe munalipirira nyumba yanu.
Zoletsa zayimilira
Timalandila chipukuta misozi kuchokera kwa othandizana nawo omwe amatsatsa patsamba lino. Sitinawunikenso zonse zomwe zilipo kapena zotsatsa. Kulipiridwa kungakhudze dongosolo lomwe zotsatsa zimawonekera patsamba, koma malingaliro athu akonzi ndi mavoti satengera chipukuta misozi.
Zambiri kapena zonse zomwe zili pano ndi zochokera kwa anzathu omwe amatipatsa ntchito. Umu ndi momwe timapangira ndalama. Koma kukhulupirika kwathu kwa mkonzi kumatsimikizira kuti malingaliro a akatswiri athu sakukhudzidwa ndi chipukuta misozi. Zoyenera zitha kugwira ntchito pazotsatsa zomwe zikuwonekera patsambali.
Kunyumba kumangoposa denga la pamutu pako. Ndiko komwe mumakonzekera, kuitana anzanu kuti adzakuchezereni ndikudziwonetsera mokongola. Ngati muli ndi ngongole, nyumbayi ndi yofunikanso kwa wobwereketsa, chifukwa ndi chikole chomwe chimateteza ngongoleyo ndipo chifukwa chake chinthu chokhacho chomwe wobwereketsa angatenge ngati muphonya ndalama zambiri. Kutsekedwa ndizomwe mwininyumba aliyense akuyembekeza kupewa. Kenako, tifotokoza za kutsekeredwa kwa nyumba ndi momwe mungapewere.
Dana wakhala zaka makumi awiri zapitazi ngati wolemba zamalonda ndi mtolankhani nkhani, okhazikika pa ngongole, kasamalidwe ka ngongole, kuyika ndalama, ndi bizinesi. Amadziona kuti ali ndi mwayi wokonda ntchito yake ndipo amayamikira mwayi wophunzira zatsopano tsiku lililonse.
Momwe mungaletsere kulandidwa kwa nyumba
Ngati simunakulipire ngongole yanyumba kapena ngongole yotetezedwa, mutha kukhala pachiwopsezo chakutaya nyumba yanu. Wobwereketsa ngongole yanu atha kuchitapo kanthu kuti akubwezereni nyumba yanu ngati mutalephera kulipira.
Ngati simungathe kuletsa mlanduwo kupita kukhoti, sizitanthauza kuti mudzataya nyumba yanu. Pali njira zomwe wobwereketsa wanu ayenera kuchita, kuyambira ndi zidziwitso zomwe akuyenera kukutumizirani kuti akuchenjezeni kuti ndondomeko yochotsera ndalama ikuyamba.
Ngati wobwereketsayo akudziwitsani kuti atenganso nyumba yanu, muyenera kudziwitsa khonsolo kuti ikuchita izi ndikuti mutsala opanda pokhala. Kuti achite izi, atumizira khonsolo chidziwitso cha gawo 11.
Ngakhale pakadali pano, sikunachedwe kukambirana ndi wobwereketsa kuti mubweze pangano. Ngati mungathe, muyenera kupitiriza kulipira ngongole, chifukwa izi zidzaganiziridwa ngati mukuyenera kupita kukhoti.
Ngati ndinu wobwereketsa nyumba kapena wokhala moyenerera, mutha kusankha woyimilira wovomerezeka kuti akuimirireni kukhothi. Woyimilira wamba ndi munthu yemwe angakuthandizeni kukonzekera ndikusamalira mlandu wanu.
Ndi miyezi ingati kumbuyo kwa ngongole yanyumba isanatsekedwe
Ngati muli ndi ngongole yanyumba, wobwereketsa wanu akufuna kuti mulipire. Ngati simutero, wobwereketsayo adzachitapo kanthu. Izi zimatchedwa kuchitapo kanthu kuti mukhale nazo ndipo zingapangitse kuti mutaya nyumba yanu.
Ngati muthamangitsidwa, mutha kuwuzanso wobwereketsa kuti ndinu munthu wowopsa. Ngati avomereza kuti apitirize kuthamangitsidwa, muyenera kudziwitsa khoti ndi bailiffs nthawi yomweyo: mauthenga awo adzakhala pa chidziwitso cha kuchotsedwa. Apanganso nthawi ina kuti akuthamangitseni: akuyenera kukudziwitsaninso masiku 7.
Munganene kuti wobwereketsa wanu wachita zinthu mopanda chilungamo kapena mopanda nzeru, kapena sanatsatire ndondomeko yoyenera. Izi zingathandize kuti khothi lichedwetsedwe kapena kukakamiza woweruza kuti apereke chigamulo choyimitsa katundu wanu m'malo mokambirana ndi wobwereketsa wanu zomwe zingakupangitseni kuthamangitsidwa m'nyumba mwanu.
Wobwereketsa wobwereketsa sakuyenera kukuchitirani milandu osatsata Ma Code Mortgage Codes of Conduct (MCOB) okhazikitsidwa ndi Financial Conduct Authority (FCA). Malamulowa amati wobwereketsa nyumba ayenera kukuchitirani chilungamo ndikukupatsani mwayi wokwanira wobweza ngongole, ngati mungathe. Muyenera kuganizira zopempha zilizonse zomveka zomwe mungafune kuti musinthe nthawi kapena njira yolipira. Wobwereketsa nyumbayo akuyenera kuchitapo kanthu ngati njira yomaliza ngati zoyesayesa zina zobweza ngongole sizinaphule kanthu.
