Kubwereketsa nyumba popanda ndalama koma ndi katundu
Ndipo, chifukwa cha mapulogalamu osinthika amasiku ano obwereketsa nyumba, simuyenera kukhala ndi ndalama zambiri kuti mugule nyumba. Mapulogalamu obwereketsa ndalama zotsika mtengo angapangitse kugulako kukhala kotsika mtengo ngakhale kwa mabanja omwe ali ndi ndalama zochepa omwe alibe ndalama zambiri.
Mapulogalamu ambiri obwereketsa nyumba amafuna zaka ziwiri zotsatizana ntchito kapena ndalama zokhazikika, kaya ndi olemba anzawo ntchito kapena m'munda womwewo. Ichi ndi chizindikiro cha bata, zomwe zikuwonetsa kuti ndalama zomwe mumapeza zitha kukhala zodalirika kwa zaka zitatu mutatseka nyumba yanu.
Kuti mugwiritse ntchito ma komisheni, nthawi yowonjezera, ndalama zocheperako, kapena ndalama za bonasi kuti muyenerere, muyenera kuwonetsa kuti ndalamazo zimasungidwa kwa zaka ziwiri kapena zitatu mutatseka. Izi zikutanthauza kuti abwana anu amakupatsani chitsimikiziro cholembedwa.
Ndalama zodzipangira ntchito zimatha kusinthasintha chaka ndi chaka. Osati kokha kuti mupereke msonkho wanu womaliza wazaka ziwiri zapitazi, koma ndalama zanu ziyenera kukhala zofanana kapena kuwonjezeka pazaka ziwirizo.
Ngati simukutsimikiza ngati ndalama zomwe mumapeza zikukwaniritsa zofunikira, lankhulani ndi wobwereketsa nyumba. Woyang'anira ngongole yanu atha kukuthandizani kumvetsetsa kuti ndi ndalama ziti zomwe zikuyenera kulandira komanso kuchuluka kwa nyumba zomwe mungapeze potengera ndalama zomwe mumapeza pamwezi.
Mortgage popanda ntchito koma ndi gawo lalikulu
Ngongole yopanda phindu kapena yotsika mtengo ingafunike nthawi iliyonse chifukwa cha kutha kwa ntchito. Ndi ndalama zomwe zalengezedwa, koma pamenepa, mwina simungakhale ndi ndalama zopezera ngongole yanyumba, ndipo mungafunike kupeza wobwereketsa wamba kuti ayendetse mpaka mutabwerera kuntchito kapena mutha kuthana ndi vuto lanu lazachuma.
Mukuyang'ana ngongole yanyumba popanda zitsimikizo za ndalama? Tikhoza kukuthandizani. Ndi chimodzi mwazinthu zambiri zomwe timagulitsa, titha kukupezerani ndalama zomwe mungafune kuti muthe kuthana ndi zovutazi. Nthawi zina, obwereketsa amatha kusankha kubweza ngongole yolipiriratu kuti musade nkhawa kuti mudzalipirire pa nthawiyo ndipo mutha kuyang'ana kwambiri zomwe muyenera kuchita kuti mubwezere ndalama zanu. Pali zinthu zambiri zomwe muyenera kuziganizira, chifukwa chake tiyimbireni lero kuti tikukhazikitseni kuti muchite bwino.
Wobwereketsa B amalola odzilemba okha, ogwira ntchito ndi omwe amapeza ndalama zokwanira 75% ndipo nthawi zina 80% (okhala ndi zinthu zamkati) kubwezanso ndalama, kubwereketsa ngongole yanyumba kapena kugula nyumba yomwe yalembedwa.
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Malangizo a ngongole ya FHA akunena kuti mbiri yakale pakali pano sikufunika. Komabe, wobwereketsayo ayenera kulemba zaka ziwiri za ntchito yapitayi, sukulu, kapena usilikali, ndikufotokozera mipata iliyonse.
Wopemphayo ayenera kungolemba mbiri ya ntchito zaka ziwiri zapitazi. Palibe vuto ngati wobwereketsa wasintha ntchito. Komabe, wopemphayo ayenera kufotokoza mipata iliyonse kapena kusintha kwakukulu.
Apanso, ngati malipiro owonjezerawa achepa pakapita nthawi, wobwereketsa akhoza kuchotsera, poganiza kuti ndalamazo sizikhala zaka zina zitatu. Ndipo popanda mbiri yazaka ziwiri yolipira nthawi yowonjezereka, wobwereketsa mwina sangakulole kuti mubwereze pa chiwongola dzanja chanu.
Pali zosiyana. Mwachitsanzo, ngati mumagwira ntchito ku kampani imodzi, kugwira ntchito yomweyi, ndikukhala ndi ndalama zofanana kapena zabwino, kusintha kwa malipiro anu kuchoka ku malipiro kupita ku ntchito zonse kapena pang'ono sikungakupwetekeni.
Masiku ano si zachilendo kuti antchito apitirize kugwira ntchito ku kampani imodzi ndikukhala "alangizi", ndiko kuti, ali odzilemba okha koma amapeza ndalama zofanana kapena zambiri. Olemba awa akhoza kukhala pafupi ndi ulamuliro wa zaka ziwiri.
Kodi ndingapeze ngongole yanyumba popanda ntchito ku UK?
Kodi muli ndi nyumba m'malingaliro ndipo mukufuna kulembetsa kubwereketsa nyumba, koma mulibe mgwirizano wokhazikika? Ndiye mukhoza kufunsa abwana anu ngati akufuna kupereka kalata yotsimikizira. Kalata yofuna kubwereketsa nyumba imapereka chitetezo chowonjezera kwa wobwereketsa nyumba. Abwana anu akuuzani kuti akufuna kusintha mgwirizano wanu wanthawi yokhazikika - ikatha - kukhala kontrakitala yokhazikika. Chilengezo cha cholinga cha ngongole yanyumba ndi gawo la chilengezo cha bizinesi. Muyenera kudzaza ngati wogwira ntchito alibe mgwirizano wokhazikika.
Abwana anu apereka chikalata cha abwana anu. Chikalatachi chiyenera kuphatikizapo: mikhalidwe yanu yogwirira ntchito (yakanthawi kapena yokhazikika), malipiro anu apachaka (afotokozedwa ndi chinthu), ndi ngongole zilizonse zochokera kwa abwana anu. Mawu abizinesi ndi chikalata chofunikira pakufunsira ngongole yanyumba. Chilengezochi chiyenera kukhala ndi siginecha yowonjezera ndipo nthawi zambiri imapangidwa motere
"Kungoganiza kuti ntchitoyo ikusungidwa komanso kuti momwe zinthu ziliri pakampaniyo sizisintha, kumapeto kwa mgwirizano wanthawi yayitali, zidzasinthidwa ndi mgwirizano wanthawi zonse wanthawi yayitali."
