Kodi ndingapezeko ngongole ndili ndi zaka 55?
Popeza Kuwunika kwa Msika wa Mortgage (MMR) kudakhazikitsidwa mu 2014, kupempha chiwongola dzanja kumatha kukhala kovuta kwa ena: obwereketsa amayenera kuwunika momwe angagulitsire ndikuganizira zinthu zingapo, kuphatikiza zaka.
Cholinga ndikuwonetsetsa kuti anthu omwe akupuma pantchito asakhale ndi ngongole zomwe sangakwanitse. Popeza ndalama za anthu zimachepa akasiya kugwira ntchito ndikutolera penshoni, MMR imalimbikitsa obwereketsa ndi obwereketsa kuti alipire ngongole zanyumba nthawiyo isanachitike. Komabe, izi sizotheka nthawi zonse kapena zimagwira ntchito kwa aliyense, ndipo obwereketsa ena adawonjezera izi pokhazikitsa malire azaka zakubweza ngongole zanyumba. Nthawi zambiri, malire azaka izi ndi 70 kapena 75, zomwe zimasiya obwereka ambiri achikulire omwe ali ndi zosankha zochepa.
Chotsatira chachiwiri cha malire a zaka izi ndikuti mawuwo amafupikitsidwa, ndiko kuti, ayenera kulipidwa mofulumira. Ndipo izi zikutanthauza kuti malipiro a pamwezi ndi apamwamba, zomwe zingawapangitse kuti asagule. Izi zapangitsa kuti azineneza kusankhana zaka, ngakhale zolinga zabwino za RMM.
Mu Meyi 2018, Aldermore adakhazikitsa ngongole yobwereketsa yomwe mutha kukhala nayo zaka 99 #JusticeFor100yearoldmortgagepayers. M’mwezi womwewo, Bungwe Lomanga Banja linawonjezera msinkhu wake wauchikulire kumapeto kwa nthawiyo kufika zaka 95. Ena, makamaka makampani obwereketsa nyumba, athetseratu zaka zambiri. Komabe, ena obwereketsa m'misewu yayikulu amalimbikirabe kuti azikhala ndi zaka 70 kapena 75, koma tsopano pali kusinthasintha kwa obwereketsa okalamba, popeza Nationwide ndi Halifax awonjezera zaka 80.
Kodi ndingapezeko ngongole ndili ndi zaka 60?
Pezani Zopereka Zoyamikiridwa Tidzakuwonetsani njira zobwereketsa nyumba kutengera zomwe mwatiuza.Lemberani kudzera ku MojoPrepare ndikutumiza mafomu anu obwereketsa nyumba ndikupeza chithandizo chilichonse.Mojo ndi ndani? Mojo adziwa momwe zinthu zilili zanu, fufuzani kuyenerera kwanu ndikufufuza msika wonse kuti akuthandizeni kupeza ngongole yabwino kwambiri pamikhalidwe yanu.
Kodi ndingapeze ngongole yanji?
Monga momwe munthu aliyense wazaka zapakati angachitire umboni, kukwanitsa zaka 50 kungawononge munthu mmodzi. Tikudziwa kuti 50 ndi 40 yatsopano. Koma ngati mukufuna kutenga ngongole ndipo mwadutsa zaka 50, mungafunike kupereka zambiri zokhudza momwe mudzakhalire m'tsogolomu musanatenge ngongole. Izi nthawi zambiri zimatchedwa njira yotuluka.
Njira yotuluka ndi dongosolo la zomwe zidzachitike ku ngongole yanu mukapuma pantchito. Ngati nthawi ya ngongole yanu ikupitirira zaka zopuma pantchito (pafupifupi zaka 70), wobwereketsayo nthawi zambiri amafunika kuwona umboni woti mudzatha kulipira. Kwa obwereketsa omwe akufunsira ngongole yanyumba yokhala ndi eni ake, kugulitsa nyumba sikuwoneka ngati njira yoyenera yotulutsira.
Mlangizi wobwereketsa nyumba atha kukuthandizani kuti mupange njira yopulumukira kutengera ngongole yomwe mukufuna, momwe mulili ndi ndalama, komanso zomwe wobwereketsa akufuna. Njira yanu yotulutsira idzasiyana malinga ndi msinkhu wanu, chuma, ndalama, ndi mapulani opuma pantchito, kotero muyenera kupereka zonsezi kwa wobwereketsa wanu.
Kodi nditha kubwereketsa pazaka 50 popanda dipositi?
Mukakwanitsa zaka 50, zosankha zanyumba zimayamba kusintha. Izi sizikutanthauza kuti ndizosatheka kukhala ndi nyumba ngati muli ndi zaka zopuma pantchito, koma ndi bwino kudziwa momwe msinkhu ungakhudzire kubwereketsa.
Ngakhale ambiri obwereketsa nyumba amaika malire azaka zambiri, izi zimatengera yemwe mumayandikira. Kuphatikiza apo, pali obwereketsa omwe amakhazikika pazogulitsa zanyumba zapanyumba, ndipo tabwera kuti tikulozereni njira yoyenera.
Bukhuli lifotokoza momwe zaka zimakhudzira kubwereketsa nyumba, momwe zosankha zanu zimasinthira pakapita nthawi, komanso chidule chazinthu zapadera zanyumba zopuma pantchito. Maupangiri athu okhudza kutulutsidwa kwachuma komanso ngongole zanyumba zamoyo ziliponso kuti mumve zambiri.
Mukakula, mumayamba kuyika chiwopsezo chachikulu kwa obwereketsa nyumba wamba, chifukwa chake zimakhala zovuta kubwereketsa m'moyo wanu. Chifukwa chiyani? Izi nthawi zambiri zimakhala chifukwa cha kuchepa kwa ndalama kapena thanzi lanu, ndipo nthawi zambiri zonse ziwiri.
Mukapuma pantchito, simudzalandiranso malipiro anthawi zonse kuchokera ku ntchito yanu. Ngakhale mutakhala ndi penshoni kuti mubwererenso, zingakhale zovuta kuti obwereketsa adziwe zomwe mudzalandira. Ndalama zomwe mumapeza zitha kuchepa, zomwe zingakhudze luso lanu lolipira.
