Mitengo yanyumba m'dziko lonselo
Kimberly Amadeo ndi katswiri pazachuma ndi ndalama ku United States ndi padziko lonse lapansi, ali ndi zaka zopitilira 20 pakuwunika zachuma komanso njira zamabizinesi. Iye ndi purezidenti wa webusaiti ya zachuma World Money Watch. Monga mlembi wa The Balance, Kimberly amapereka chidziwitso cha momwe chuma chikuyendera masiku ano, komanso zochitika zakale zomwe zakhala ndi zotsatira zokhalitsa.
Lea Uradu, JD ndi omaliza maphunziro awo ku University of Maryland School of Law, Registered Tax Preparer ku State of Maryland, State Certified Notary Public, Certified VITA Tax Preparer, Wotenga nawo mbali mu Pulogalamu Yapachaka Yosungira Nyengo ya IRS, wolemba msonkho komanso woyambitsa. za LAW Tax Resolution Services. Lea wagwira ntchito ndi mazana amakasitomala amisonkho ochokera kumayiko ena.
Chiwongola dzanja chokhazikika ndi ngongole yanyumba pomwe chiwongola dzanja sichisintha moyo wonse wangongole. Chiwongola dzanja chimaposa pang'ono chiwongola dzanja cha Treasury pamene ngongole ikuchotsedwa. Sizisintha ngakhale zokolola za Treasury zisintha.
A fixed rate mortgage ndi ngongole yanyumba yomwe chiwongola dzanja sichisintha pa moyo wa ngongoleyo. Chiwongoladzanja ndi chokwera pang'ono kuposa cha Treasury bond panthawi yobwereketsa ngongole. Sizisintha ngakhale zokolola za Treasury zisintha.
Mbiri ya Halifax Mortgage
Mutha kugwiritsa ntchito kusaka kuti mupeze zinthu zambiri zandalama zaku UK, kuchokera ku mayankho mpaka ku utsogoleri wamaganizidwe ndi mabulogu, kapena kupeza zomwe zili pamitu ingapo, kuyambira misika yayikulu mpaka yolipira komanso zatsopano.
Bank of England yalengeza kukwera kwa chiwongola dzanja cha 0,15 peresenti mpaka 0,25 peresenti lero kungasiya ogula akuganiza za momwe kukweraku kudzakhudzira ngongole yawo yofunika kwambiri - ngongole yawo yanyumba. Poganizira kuti eni nyumba wamba ali ndi ndalama zokwana £140.000 zangongole zawo zomwe zatsala kuyambira Juni 2021, ndikofunikira kumvetsetsa omwe angakhudzidwe kwambiri ndi nkhaniyi komanso mpaka pati.
Monga momwe zasonyezedwera mu Tchati 1, mbiri yaposachedwapa imatiuza kuti chiwongola dzanja cha chiwongola dzanja chatsika pang'onopang'ono mpaka kutsika, pomwe banki yakhala yokhazikika. Pakuwonjezeka pang'ono kwa Bank Rate m'chaka cha 2017 ndi 2018, chiwongola dzanja sichinakwere ndi malire omwewo ndipo chinabwerera kutsika kwawo pang'onopang'ono posakhalitsa. Mpikisano wamphamvu pamsika komanso kupezeka kosavuta kwandalama zazikulu zakhala zinthu zofunika kwambiri kuti mitengo ikhale yotsika.
Ngongole yokhazikika
Choyamba, timapereka malo olipidwa kuti otsatsa apereke zotsatsa zawo. Ndalama zomwe timalandira pamayikidwewa zimakhudza momwe zotsatsa zamalonda zimawonekera komanso komwe zotsatsa patsamba lino. Tsambali siliphatikiza makampani onse kapena zinthu zomwe zikupezeka pamsika.
Choyamba, timapereka malo olipira kuti otsatsa awonetse zomwe akufuna. Ndalama zomwe timalandira pamipatayi zimakhudza momwe komanso komwe zotsatsa zamalonda zimawonekera patsamba. Tsambali siliphatikiza makampani onse kapena zinthu zomwe zikupezeka pamsika.
Kuchulukirachulukira kwachuma komanso kukwera kwamitengo kwamitengo, komwe kudakwera kwambiri 9% m'miyezi 12 mpaka Epulo, kukupangitsa kuti chiwongola dzanja chichuluke chaka chino, ndikuyikanso chiwongolero chandalama zapamwezi za mamiliyoni aku UK omwe adabwereketsa. eni nyumba.
Bank of England idakweza chiwongola dzanja mpaka 1% pa Meyi 5. Ichi ndi chiwonjezeko chachinayi kuyambira Disembala 2021, pomwe chiwongola dzanja chakubanki chidafika pa 0,1% yokha, ndipo chidzawonjezera pafupifupi $ 300 pachaka pamtengo wangongole ya $ 200.000 (2,25%).
Chiwongola dzanja chanyumba lero
Ndife ntchito yofananira yodziyimira payokha, yothandizidwa ndi zotsatsa. Cholinga chathu ndi kukuthandizani kuti mupange zisankho zanzeru zachuma popereka zida zolumikizirana ndi zowerengera zachuma, kusindikiza zomwe zili zoyambira komanso zolinga, ndikukulolani kuchita kafukufuku ndikuyerekeza zambiri kwaulere, kuti mutha kupanga zosankha zachuma molimba mtima.
Zopereka zomwe zikuwonekera patsambali ndi zochokera kumakampani omwe amatilipira. Kulipiridwaku kungakhudze momwe zinthu zimawonekera patsamba lino, kuphatikiza, mwachitsanzo, momwe zingawonekere m'magulu amndandanda. Koma kubweza kumeneku sikukhudza zambiri zomwe timafalitsa, kapena ndemanga zomwe mumawona patsamba lino. Sitikuphatikiza dziko lonse lamakampani kapena zopereka zandalama zomwe zingapezeke kwa inu.
Ndife odziyimira pawokha, ntchito zofananira zothandizidwa ndi zotsatsa. Cholinga chathu ndi kukuthandizani kuti mupange zisankho zanzeru zachuma popereka zida zolumikizirana ndi zowerengera zachuma, kusindikiza zomwe zili zoyambira komanso zolinga, ndikukulolani kuchita kafukufuku ndikuyerekeza zambiri kwaulere, kuti mutha kupanga zosankha zachuma molimba mtima.
