Chilango Cholipiriratu
Nthawi zambiri, mutha kulembetsa kubwereketsa nyumba yoyamba kuti mugule nyumba kapena nyumba, kukonzanso, kukulitsa ndi kukonza nyumba yanu yamakono. Mabanki ambiri ali ndi ndondomeko yosiyana kwa iwo omwe akufunafuna nyumba yachiwiri. Kumbukirani kufunsa banki yanu yamalonda kuti ikufotokozereni bwino zomwe zili pamwambapa.
Banki yanu idzayesa kubweza kwanu posankha kuyenerera ngongole yanyumba. Kubweza kumatengera ndalama zomwe mumapeza pamwezi/zowonjezera, (zomwe zimatengera kuchuluka kwa ndalama zomwe mumapeza pamwezi kuchotsera zomwe mumawononga pamwezi) ndi zinthu zina monga ndalama za mnzanu, katundu, ngongole, kukhazikika kwa ndalama, ndi zina. Cholinga chachikulu cha banki ndikuwonetsetsa kuti mukubweza ngongoleyo bwino panthawi yake ndikuwonetsetsa kuti ikugwiritsidwa ntchito komaliza. Ndalama zomwe zimapezeka pamwezi zimakwera, ndiye kuti ndalama zomwe ngongoleyo ikuyenera kulandira zimakwera. Nthawi zambiri, banki imaganiza kuti pafupifupi 55-60% ya ndalama zomwe mumapeza pamwezi / zowonjezera zimapezeka pakubweza ngongole. Komabe, mabanki ena amawerengera ndalama zomwe amapeza pamalipiro a EMI potengera ndalama zonse zomwe munthu amapeza osati ndalama zomwe amapeza.
Ndalama zoyendetsera
Ngati mwagwa kale m'ngongole ndi ngongole zanyumba, mutha kuchitapo kanthu kuti mupewe kubweza ngongoleyo ndikubweza ngongoleyo. Onani Momwe mungathanirane ndi ngongole yanyumba.
Ngati muli ndi vuto lalikulu pakubweza ngongole yanu, mwachitsanzo, ngati mwayamba kulandira makalata kuchokera kwa wobwereketsa wobwereketsa akuwopseza kuti akuwopsezani, muyenera kupeza thandizo kuchokera kwa mlangizi wodziwa zangongole.
Mutha kupeza ngongole yotsika mtengo yobwereketsa nyumba ndi wobwereketsa wina. Mungafunike kulipira chindapusa kuti musinthe obwereketsa nyumba, ndipo mudzayenera kulipirabe ndalama zomwe munabwereketsa woyamba ngati mwalephera kulipira.
Mutha kuchepetsa ndalama zina posinthira ku inshuwaransi yotsika mtengo, nyumba kapena inshuwaransi yoteteza zomwe zili mkati. Mutha kupeza zambiri zamomwe mungasinthire inshuwaransi yanu patsamba la Money Advice Service: www.moneyadviceservice.org.uk.
Mutha kufunsa wobwereketsa ngati akuvomera kutsitsa ngongole zanyumba pamwezi, nthawi zambiri kwa nthawi yochepa. Izi zingakuthandizeni kuthana ndi vuto lalikulu ndikukulepheretsani kukhala ndi ngongole. Ngati ngongoleyo idawunjika kale, muyenera kupeza njira yolipira.
Kubweza kwa Mortgage 中文
Obwereketsa ambiri amachepetsa kuchuluka kwa ndalama zomwe zimaloledwa pachaka. Nthawi zambiri, ndalama zolipiriratu sizingapitirire chaka chimodzi kupita china. Izi zikutanthauza kuti, nthawi zambiri, simungawonjezere ku chaka chapano ndalama zomwe simunagwiritse ntchito zaka zam'mbuyo.
Momwe chilango cholipiriratu chimawerengedwera zimasiyanasiyana kuchokera kwa wobwereketsa kupita kwa wobwereketsa. Mabungwe azachuma omwe amayendetsedwa ndi boma, monga mabanki, ali ndi chowerengera cha chilango cholipiriratu patsamba lawo. Mutha kupita patsamba la banki yanu kuti muwone mtengo wake.
Kuwerengera kwa IRD kungadalire chiwongola dzanja cha mgwirizano wanu wanyumba. Obwereketsa amalengeza za chiwongola dzanja cha ngongole zanyumba zomwe ali nazo. Izi ndi zomwe zimatchedwa chiwongola dzanja chosindikizidwa. Mukasaina pangano lanu la chiwongola dzanja, chiwongola dzanja chanu chikhoza kukhala chokwera kapena chotsika kuposa chomwe chimasindikizidwa. Ngati chiwongola dzanja chatsika, chimatchedwa mtengo wochotsera.
Kuti muwerenge IRD, wobwereketsa wanu amagwiritsa ntchito ziwongola dzanja ziwiri. Amawerengera chiwongola dzanja chonse chomwe mwasiya kuti mulipire munthawi yanu yamitundu yonse iwiri. Kusiyana pakati pa ndalamazi ndi IRD.
Kutseka Ngongole
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.
