Kodi ndingasonyeze bwanji kuti ndalipira ngongole yanga yanyumba?
Pambuyo pobweza ngongole, mutha kupeza kunyada kwatsopano m'nyumba mwanu. Nyumbayi ndi yanu. Mudzakhala ndi ndalama zowonjezera mwezi uliwonse, ndipo mudzakhala pachiwopsezo chochepa chotaya nyumba yanu ngati mukukumana ndi zovuta.
Mungafunike kupanga zochuluka kuposa kungolipira ngongole yomaliza kuti mutsirize udindo wanu wokhala ndi nyumba. Dziwani zomwe zikuyenera kuchitika mukalipira ngongole yanu kuti muwonetsetse kuti yaulere.
Musanabweze ngongole yanu yomaliza yobwereketsa, muyenera kufunsa wobwereketsa kuti akupatseni ndalama. Mutha kuchita izi nthawi zambiri kudzera patsamba la servicer mukalumikizidwa ndi akaunti yanu ya ngongole yakunyumba. Ngati sichoncho, mutha kuwayimbira. Khalani ndi nambala yanu ya ngongole. Mudzapeza pa sitetimenti yanu yanyumba.
Bajeti yobwereketsa idzakuuzani ndendende kuchuluka kwa ndalama zomwe muyenera kulipira kuti mukhale ndi nyumba yanu yopanda zingwe. Idzakuuzaninso tsiku limene muyenera kulipira. Ngati zitenga nthawi yayitali, si vuto lalikulu. Mungotsala ndi chiwongola dzanja chochulukirapo.
Kodi ndingapeze bwanji udindo wanga wanyumba nditandilipira ngongole yanga yanyumba?
Zabwino kwambiri Sally. Simuyeneranso kuganizira za kubwereketsa nyumba, chiwongola dzanja kapena kulipira pamwezi kubanki. Koma mutasiya kuvina mozungulira nyumba yanu yolipidwa mokwanira, pali zinthu zingapo zoti muganizire.
Nyumba yanu siyingalembetsedwe ngati munali nayo chaka cha 1990 chisanafike. Ngati muyenera kulembetsa, muyenera kulipira ndalama. Ndalamayi idzadalira mtengo wa nyumba yanu. Mutha kuwerengera ndi chowerengera ichi.
Muyeneranso kulingalira za kuonjezera ndalama zomwe mwasunga chifukwa mukunena kuti sizili zazikulu. Ndalama zovomerezeka za thumba lazadzidzi ndi malipiro a miyezi ingapo muakaunti yosungika yomwe ikupezeka mosavuta. Ndikofunika kukhala odekha ngati akuchotsedwa ntchito kapena galimoto yawonongeka.
Zomwe mwasankha kuchita ndi ndalama zanu zowonjezera zili ndi inu. Bwanji osawononga zina mwa izo patchuthi? Kungakhale kosavuta kupanga zisankho ngati mumalowa m'nyanja kapena kupumula ndi malo odyera kapena awiri.
Polemba zambiri zanu, mukuvomera kuti azigwiritsa ntchito molingana ndi mfundo zathu zachinsinsi. Polembetsa, mudzalandiranso kalata yathu yamasabata isanu ndi umodzi ya 'Couch to £5K'. Mutha kusiya kulembetsa, ngakhale mutasiya kulandira makalata onse awiri.
Zimatenga nthawi yayitali bwanji kuti mupeze mutu wa nyumbayo mutalipira ngongole
Miriam Caldwell wakhala akulemba za bajeti ndi zofunikira zachuma zaumwini kuyambira 2005. Amaphunzitsa kulemba monga mphunzitsi wa pa intaneti ndi Brigham Young University-Idaho, komanso ndi mphunzitsi wa ana asukulu za boma ku Cary, North Carolina.
Peggy James ndi katswiri wazowerengera ndalama, zachuma zamakampani, komanso zachuma. Ndikauntanti wovomerezeka wa boma yemwe ali ndi kampani yake yowerengera ndalama, akutumikira mabizinesi ang'onoang'ono, osapindula, eni eni eni okha, odziyimira pawokha, komanso anthu pawokha.
Kulephera kubweza ngongole yanu yanyumba ndikosiyana ndi kusalipira lendi, chifukwa zitha kukhala ndi zotsatira zazikulu pa ngongole yanu. Mukhozanso kuika nyumba yanu pachiswe ngati simungathe kubweza ngongoleyo. Komabe, muli ndi zosankha zingapo: kuchokera ku mgwirizano wolekerera, womwe ungakupatseni nthawi yoti mukonze zinthu, kupita ku ntchito-m'malo mwa kutsekereza ngati simungathe kupulumutsa.
Lumikizanani ndi kampani yanu yobwereketsa nyumba nthawi yomweyo kuti mudziwe ngati pali mapulogalamu omwe angakuthandizeni. Mutha kulandira kuchepetsedwa kwa malipiro kwakanthawi kapena kubwezeredwanso pang'ono, kutengera komwe mukukhala komanso ngati mwabweza ngongole yanu.
Inshuwaransi yakunyumba mutalipira ngongole yanyumba
Ngati mukuvutika kubweza ngongole yachiwiri kapena ngongole ina komwe katundu wanu akugwiritsidwa ntchito ngati chikole, muyenera kupeza upangiri kwa mlangizi wodziwa bwino zangongole. Mutha kupeza malangizo ku Citizens Advice Office.
Malamulowa amati wobwereketsa nyumbayo akuyenera kukuchitirani chilungamo ndikukupatsani mwayi wovomera kubweza ngongoleyo, ngati mungathe kutero. Muyenera kuvomereza pempho lililonse lomwe mungafune kuti musinthe nthawi kapena njira yolipirira ngongole yanu. Ngati ngongole yanu idachotsedwa October 2004 isanafike, wobwereketsayo ayenera kutsatira malamulo omwe analipo panthawiyo.
Ngati mukuganiza kuti wobwereketsa wanu sanasamalire bwino nkhani yanu, muyenera kukambirana ndi wobwereketsa wanu. Ngati mwasankha kudandaula, wobwereketsa wanu ayenera kuvomereza kuti walandira madandaulo anu mkati mwa masiku 5 a ntchito.
Ngati mwadzidzidzi mwataya ntchito kapena ndalama zanu, yang'anani kuti muwone ngati muli ndi inshuwaransi yoteteza kubweza ngongole. Mwinamwake mwagula ndondomeko pamene munalandira ngongole yanu kapena pambuyo pake. Inshuwaransi siyingatengedwe ndi wobwereketsa.
