Gulani nyumba kuchokera ku thumba la vulture
Mu Julayi 2020, Boma lidalengeza kuti, monga gawo lazolimbikitsa, kuchuluka kwa msonkho komwe ogula koyamba angapeze akamagula kapena kudzimanga nyumba yatsopano pansi pa dongosolo lothandizira adzawonjezeka.
Pansi pa pulani iyi, ndalama zolipirira zomwe zinalipo zidakwezedwa kwakanthawi kuchokera ku €20.000 kapena 5% ya mtengo wanyumba mpaka €30.000 kapena 10% ya mtengo wanyumba mpaka Disembala 31, 2020. Mu bajeti ya 2021, kuwonjezeka uku kunali kukulitsidwa mpaka Disembala 31, 2021.
Kwa iwo omwe akuyang'ana kuti akwere pa makwerero a nyumba, ichi ndi mpumulo wamtengo wapatali ndipo umapezeka kwa nthawi yochepa. Pachifukwa ichi, tapeza mafunso ambiri okhudza momwe zonsezi zimagwirira ntchito, choncho tasankha ena mwa mafunso omwe amafunsidwa kawirikawiri ndikuyankha pansipa kuti muwonetsetse:
Kwenikweni, dzinalo limapereka; Ndi ndondomeko yobweza misonkho yaboma, yomwe idakhazikitsidwa kuti izithandiza ogula kuti asungidwe m'nyumba zawo. Kuonjezera apo, imalimbikitsa omangamanga kumanga nyumba zatsopano kuti ndondomekoyi ipitirire kugwira ntchito.
Ndalama ya vulture inagula ngongole yanga
Nthawi zina pamene nyumba yanu yalandidwa, kapena makiyi abwezeredwa kwa wobwereketsa nyumba, mutha kuuzidwa kuti mukadali ndi ngongole. Izi zimachitika pamene ndalama zomwe nyumba yanu ikugulitsidwa sizikwanira kulipira ngongole yanyumba ndi ngongole zilizonse zotetezedwa.
Pali malamulo okhudza momwe wobwereketsa akuyenera kukuthandizani mwachangu mukagulitsa nyumba ngati mukufuna kubweza ngongoleyo. Chonde onani magawo awiri omwe ali pansipa UK Financial Policy ndi Financial Conduct Authority Rules.
The FCA's Mortgages and Home Finance: Conduct of Business sourcebook (MCOB) imati wobwereketsa amayenera kuchitira chilungamo kasitomala aliyense yemwe wangongoleredwa. Wobwereketsa sakufunika kuti abweze ngongole yoyipa, koma ngati itero, iyenera kukuuzani polemba pasanathe zaka zisanu kuchokera tsiku lomwe munagulitsa nyumba yanu. Ngati simutero, mutha kudandaula ku Financial Ombudsman Service (FOS). Onani Othandizira Othandizira pambuyo pake patsamba lino.
Ndondomeko ya UK Finance tsopano ndi gawo la malamulo a FCA a MCOB. Ngati katundu wanu adalandidwa ndikugulitsidwa zaka zopitirira zisanu zapitazo, ndipo simunalankhule ndi wobwereketsa wanu kuti mubweze ngongole iliyonse yomwe munali nayo, simukuyenera kulipira ngongole iliyonse.
Kodi ndalama za vulture zimalipira zingati pa ngongole?
Simungakhale ndi ufulu wa katundu ngati wobwereka, koma muli ndi ufulu wobwereketsa. Izi zimakonda kufotokozedwa m'maboma ndi m'deralo, koma zofunikira ndizofunika kuzidziwitso musanachotsedwe, ufulu wanu wokhala ndi ngongole, ndi ufulu wanu wokhala ndi nyumba.
Ufulu wosangalala umakupatsani mwayi wochita chilichonse chomwe mukufuna mukakhala pamalo anu (kachiwiri, bola ngati sizikuphwanya lamulo). Mutha kuchita maphwando, kuwotcha dzuwa, kukongoletsa munda wanu: ndi malo anu kuti musangalale nawo.
Ufulu wa katundu ndi wofunikira chifukwa umapereka chidziwitso chomveka bwino cha umwini wa nthaka komanso ndikuthandizira chitukuko chachuma. Monga mwini nyumba, mukhoza kuteteza katundu wanu m'njira zingapo. Ndikhoza kuchita:
Mukakhala ndi katundu wambiri, zimakhala zovuta kuti muteteze ufulu wa katundu wanu, chifukwa simungathe kulamulira maekala onse a katundu wanu nthawi zonse. Komabe, ngati mukukhala m’gawo laling’ono, simungachite zambiri kuti muteteze katundu wanu. Gawo lanu likhoza kukhala ndi chitetezo chokhazikika.
Ngongole zoyambira ndi thumba la vulture
Boma laika chiwongola dzanja cha ngongoleyi pa 2,5% pachaka ndipo nthawi yobweza ndi zaka zisanu ndi chimodzi. M’miyezi 12 yoyambirira simuyenera kulipira kalikonse. Makampani amakhalabe ndi udindo pa 100% ya kubweza ndalama zonse za ngongoleyo, komanso chiwongola dzanja, pambuyo pa chaka choyamba.
Dongosololi ndi lotseguka kwa mabizinesi ambiri, mosasamala kanthu za kukula kwa bizinesi, omwe amakwaniritsa zoyenerera ndipo adakhazikitsidwa pa Marichi 1, 2020 kapena asanakwane[1]. Obwereka ayenera kulengeza, mwa zina, kuti:
Kwa makampani ena, omwe amadzitcha "kampani yomwe ili pamavuto" kuyambira pa Disembala 31, 2019, patha kukhala zoletsa kuchuluka kwandalama zomwe amaloledwa kubwereka komanso zomwe angachite ndi ngongoleyo[2].
Mabizinesi omwe poyamba adabwereka ndalama zochepa kuposa kuchuluka komwe kulipo pansi pa ndondomekoyi angasankhe kuonjezera ngongole yawo yoyamba. Makampani ayenera kulemba fomu yofunsira yosiyana, kutsimikiziranso zomwe zanenedwa mu fomu yofunsira yoyambirira. Makampani atha kupereka pempho limodzi lowonjezera.
