Standard Variable Rate Mortgage
Pamene mtengo wa moyo ukukulirakulira, kukwera kwaposachedwa kwa chiwongola dzanja kumabwera panthawi yoyipa kwambiri kwa obwereka omwe alibe mwayi wopikisana nawo. Chiwongola dzanja cha ngongole chikukwera m'miyezi yaposachedwa ndipo chisankho chaposachedwachi chapangitsa ogula kuwunika zomwe apereka kuti awone ngati angasinthe ndikusunga ndalama zina pakubweza kwawo pamwezi. Chikhumbo chotseka kwa nthawi yayitali chikhoza kukhala m'maganizo a obwereketsa omwe akudziwa kuti mitengo ikuyembekezeka kukwera kwambiri ndipo palinso zaka 10 zobwereketsa zomwe ziyenera kuganiziridwa.
Obwereketsa omwe amasinthira ku mtengo wokhazikika wokhazikika kuchokera ku standard variable rate (SVR) atha kuchepetsa kwambiri malipiro awo anyumba. Kusiyana kwapakati pa chiwongola dzanja chokhazikika chazaka ziwiri ndi SVR ikuyimira 1,96%, ndipo ndalama zomwe zimachokera ku 4,61% mpaka 2,65% zimayimira kusiyana kwa mapaundi 5.082 m'zaka ziwiri * pafupifupi. Obwereketsa omwe adasungabe SVR yawo kuyambira Disembala ndi February kukwera kwamitengo kungakhale awona kuti SVR yawo ikuwonjezeka ndi 0,40%, popeza pafupifupi magawo awiri mwa atatu a obwereketsa awonjezera SVR yawo mwanjira ina, lingaliro laposachedwa litha kuwona kubweza ndalama kukuwonjezeka ngakhale. Zambiri. M'malo mwake, chiwonjezeko cha 0,25% pa SVR yapano ya 4,61% chiwonjezeke pafupifupi £689* pakulipira pamwezi pazaka ziwiri.
Chiwongola dzanja cha ngongole
Zambiri kapena zonse zomwe zaperekedwa patsamba lino zikuchokera kumakampani omwe Insider amalipidwa (kuti mupeze mndandanda wathunthu, onani apa). Malingaliro otsatsa amatha kukhudza momwe zinthu zimawonekera patsamba lino (kuphatikiza, mwachitsanzo, dongosolo lomwe zimawonekera), koma sizikhudza zosankha zilizonse, monga zomwe timalemba komanso momwe timaziwonera. Personal Finance Insider amafufuza zopereka zosiyanasiyana popanga malingaliro; komabe, sitikutsimikizira kuti izi zikuyimira zinthu zonse kapena zoperekedwa zomwe zikupezeka pamsika.
Chiwongola dzanja cha ngongole zokhazikika zazaka 30 zakhala zikuzungulira 5% kwa milungu ingapo, kutanthauza kuti mitengo yakwera kwambiri ndipo ikukhazikika pamiyezo yomwe ilipo. , akadali okwera kwambiri kuposa momwe analili panthawiyi chaka chatha. Pamene msika ukuyesera kukhazikika pamitengo yapamwamba, kufunikira kwa ogula kwatsika pamene ogula akuyesa kukwanitsa, "anatero Robert Heck, wachiwiri kwa pulezidenti wa Morty wa ngongole zanyumba. "Izi zikunenedwa, zinthu zimasiyana kwambiri pamsika ndi msika ndipo zinthu zosungiramo zinthu zimakhalabe zovuta m'malo ambiri, zomwe zingapitirize kuchititsa kuti anthu azifuna."
Tsb Standard Variable Type
Mutha kugwiritsa ntchito kusaka kuti mupeze zinthu zambiri pazachuma zaku UK, kuyambira mayankho mpaka mafunso mpaka utsogoleri wamaganizidwe ndi mabulogu, kapena kupeza zomwe zili pamitu yosiyanasiyana, kuyambira misika yayikulu mpaka yolipira ndi zatsopano.
Masiku ano Bank of England ikweza chiwongola dzanja cha banki ndi 0,15 peresenti kufika pa 0,25% ikhoza kusiya ogula akungoganizira za momwe kuwonjezekaku kudzakhudzire 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.
Tsb 2-year fixed rate mortgage
Zogulitsa zonse zomwe zimatsata Bank of England Base Rate (kuphatikiza mtengo uliwonse wotsata) zili ndi chiwongola dzanja chochepa. Chiwongola dzanja chocheperako chomwe tidzagwiritse ntchito ndi chiwongola dzanja chapano. Ngati chiwongola dzanja cha Bank of England chigwera pansi pa 0%, tidzagwiritsa ntchito chiwongola dzanja mpaka Bank of England ikwera pamwamba pa 0%.
Uwu ndiye mlingo womwe Bank of England imalipira mabanki ena ndi obwereketsa akabwereka ndalama, ndipo pano ndi 1,00%. Mtengo woyambira umakhudza chiwongola dzanja chomwe obwereketsa ambiri amalipira kubwereketsa nyumba, ngongole, ndi mitundu ina yangongole yomwe amapereka kwa anthu pawokha. Mwachitsanzo, mitengo yathu nthawi zambiri imakwera ndi kutsika kutengera mtengo woyambira, koma izi sizotsimikizika. Mutha kupita ku webusayiti ya Bank of England kuti mudziwe momwe amasankhira mtengo woyambira.
Bank of England ikhoza kusintha masinthidwe oyambira kuti akhudze chuma cha UK. Mitengo yotsika imalimbikitsa anthu kugwiritsa ntchito ndalama zambiri, koma izi zingayambitse kukwera kwa mitengo, mwachitsanzo, kukwera kwa mtengo wa moyo pamene katundu amakwera mtengo. Mitengo yapamwamba ikhoza kukhala ndi zotsatira zosiyana. Bank of England imayang'ananso kuchuluka kwa magawo 8 pachaka.
