Kodi ndingapezeko ngongole ngati ndili ndi nyumba kale?
Kwa anthu ambiri, ngongole imodzi imayimira ngongole yayikulu komanso ndalama zomwe angapange, koma pali zifukwa zambiri zomwe mungafune kugula nyumba yachiwiri, kapena yachitatu.
Ku UK pali mitundu iwiri ya ngongole zanyumba: ngongole yokhalamo, yomwe imagwiritsidwa ntchito kugula nyumba yokhalamo, ndi ngongole yanyumba, yomwe ndi ngongole yogulira malo ogulitsa.
Izi ndizodabwitsa kwa ambiri, koma palibe lamulo lomwe limakulepheretsani kukhala ndi ngongole zambiri zanyumba, ngakhale mutha kukhala ndi vuto lopeza obwereketsa omwe akufuna kukulolani kuti mutenge ngongole yanyumba pambuyo pa ochepa oyamba.
Ngongole iliyonse imafuna kuti mudutse njira za wobwereketsa, kuphatikiza kuwunika momwe mungakwanitsire komanso cheke cha ngongole. Kuti muvomerezedwe kubwereketsa kwachiwiri, muyenera kusonyeza kuti muli ndi ndalama zofunikira kuti mupereke malipiro, chimodzimodzi ndi chachitatu, ndi chachinayi, ndi zina zotero.
Koma bwanji ngati mukukhala malo awiri? Anthu ambiri amakhala ndi mabanja koma amasamukira mumzinda mkati mwa mlungu ndikukhala m’nyumba yogona kumeneko kuti akagwire ntchito; pambuyo pa zonse, nduna zimachita. Pali kuthekera kopereka chiwongola dzanja chachiwiri pazifukwa izi, koma ndikofunikira kuzindikira kuti wobwereketsayo akufuna kukhala ndi umboni wambiri wosonyeza kuti ndi choncho.
Kodi ndingapezeko ngongole ngati ndili ndi kale ndi ex wanga?
Phunzirani zambiri Chiwongola dzanja cha UK: zomwe mungayembekezere komanso momwe mungakonzekereMlingo woyambira wa Bank of England ndiye chiwongola dzanja chovomerezeka ndipo pano chikuyima pa 0,1%. Chiwongola dzanjachi chimakhudza chiwongola dzanja cha UK, chomwe chingakweze (kapena kutsitsa) mitengo yanyumba ndi malipiro anu a mwezi uliwonse.Dziwani zambiriKodi LTV ndi chiyani? Momwe mungawerengere LTV - Loan to Value Ratio LTV, kapena ngongole-to-value, ndi kukula kwa ngongole yanyumba poyerekeza ndi mtengo wa katundu wanu. Kodi muli ndi ndalama zokwanira kuti muyenerere kulandira mitengo yabwino kwambiri yanyumba?
Kodi ndingakhale ndi ngongole ziwiri panyumba imodzi yokhala ndi obwereketsa osiyanasiyana
Obwereketsa onse amafunikira kuti akhale okhawo omwe amalipira katundu wanu. Ngongole kapena zolipiritsa zomwe zilipo kale ziyenera kubwezedwa ngati gawo la kutulutsidwa kwa equity. Maloya omwe amamasula malo kwa wobwereketsa adzalipira ngongole iliyonse yomwe ilipo ndi ndalama zomwe zimachokera ku kutulutsidwa kwa malo. Ndalama zotsalira zidzatumizidwa ku akaunti yanu yakubanki.
Kaya muli ndi ngongole yobweza ngongole kapena ngongole yobwereketsa yokha, kubweza kwanu kumafunika ngati gawo la njira yotulutsa equity. Kutulutsidwa kwakukulu kukamalizidwa, wobwereketsa wamkulu adzakhala woyamba kubwereketsa nyumba yanu, m'malo mwa wobwereketsa wanu wanyumba.
Mafomu onse ofunsira omasulidwa amaphatikizapo gawo la ngongole zomwe zilipo kale. Muyenera kuwonetsa wobwereketsa, zomwe mwabwereketsa ngongole yanu ndi ndalama zomwe mungabwezere. Wobwereketsa wanu wanyumba yobwereketsa adzalumikizana ndi loya wotulutsa equity kuti akupatseni chikalata chokhazikika chakubweza.
Chiwongola dzanja chikuwonetsa ndalama zomwe zatsala pa deti lomwe laperekedwa komanso kuchuluka kwa chiwongola dzanja chowonjezeka tsiku lililonse. Ndemanga za kubweza ngongole sizitenga nthawi yayitali, choncho ndizofala kuti zimangofunsidwa pokhapokha ngati chiwongoladzanja chaperekedwa.
Ndikosavuta kupeza ngongole ngati muli ndi nyumba kale?
Ngongole yachiwiri imayikidwa kumbuyo kwa yomwe muli nayo kale, kotero ngati simungathe kulipira ngongole kapena kusankha kugulitsa nyumba yanu, ngongole yoyamba idzalipidwa isanafike yachiwiri. Ichi ndichifukwa chake nthawi zina amatchedwa "malipiro achiwiri."
Izi zidzatengera kuchuluka kwa ndalama zomwe muli nazo m'malo anu, koma zitha kukhala chilichonse kuyambira £15.000 mpaka £1.000.000. Mwachitsanzo, ngati nyumba yanu ili yokwana £350.000 ndipo muli ndi ngongole yotsala ya £200.000, mudzakhala ndi ndalama zokwana £150.000.
Mofanana ndi ngongole yanu yamakono, nyumba yanu ili pachiwopsezo ngati muphonya malipiro pa ngongole yachiwiri. Ngati mumavutika kulipira, muyenera kulankhula ndi wobwereketsa wanu nthawi zonse kuti mupeze njira yothetsera vutolo.
