Kulandidwa kwa katundu ndi eni ake
Timalandila chipukuta misozi kuchokera kwa othandizana nawo omwe amatsatsa patsamba lino. Sitinawunikenso zonse zomwe zilipo kapena zotsatsa. Kulipiridwa kungakhudze dongosolo lomwe zotsatsa zimawonekera patsamba, koma malingaliro athu akonzi ndi mavoti satengera chipukuta misozi.
Zambiri kapena zonse zomwe zili pano ndi zochokera kwa anzathu omwe amatipatsa ntchito. Umu ndi momwe timapangira ndalama. Koma kukhulupirika kwathu kwa mkonzi kumatsimikizira kuti malingaliro a akatswiri athu sakukhudzidwa ndi chipukuta misozi. Zoyenera zitha kugwira ntchito pazotsatsa zomwe zikuwonekera patsambali.
Kunyumba kumangoposa denga la pamutu pako. Ndiko komwe mumakonzekera, kuitana anzanu kuti adzakuchezereni ndikudziwonetsera mokongola. Ngati muli ndi ngongole, nyumbayi ndi yofunikanso kwa wobwereketsa, chifukwa ndi chikole chomwe chimateteza ngongoleyo ndipo chifukwa chake chinthu chokhacho chomwe wobwereketsa angatenge ngati muphonya ndalama zambiri. Kutsekedwa ndizomwe mwininyumba aliyense akuyembekeza kupewa. Kenako, tifotokoza za kutsekeredwa kwa nyumba ndi momwe mungapewere.
Dana wakhala zaka makumi awiri zapitazi ngati wolemba zamalonda ndi mtolankhani nkhani, okhazikika pa ngongole, kasamalidwe ka ngongole, kuyika ndalama, ndi bizinesi. Amadziona kuti ali ndi mwayi wokonda ntchito yake ndipo amayamikira mwayi wophunzira zatsopano tsiku lililonse.
Momwe mungaletsere kulandidwa kwa nyumba
Nkhaniyi ikufunika mawu owonjezera kuti atsimikizire. Chonde thandizani kukonza nkhaniyi powonjezera mawu ochokera kodalirika. Zinthu zopanda gwero zitha kutsutsidwa ndi kuchotsedwa. Pezani Zochokera: "Kutseka" - Nkhani - Manyuzipepala - Mabuku - Maphunziro - JSTOR (Feb 2016) (Dziwani momwe mungachotsere komanso nthawi yomwe mungachotsere positiyi mu template)
Nkhaniyi ili ndi mndandanda wa maumboni, kuwerenga kogwirizana, kapena maulalo akunja, koma magwero ake sakudziwika bwino chifukwa ilibe mawu amzere. Chonde thandizirani kukonza nkhaniyi pofotokoza zolondola kwambiri. (February 2016) (Phunzirani momwe mungachotsere uthengawu komanso liti pa template)
Nkhaniyi ilibe gawo lalikulu. Chonde thandizani powonjezera gawo lalikulu lomwe limayambitsa mutuwo ndikufotokozera mwachidule za thupilo. Chonde kambiranani mutuwu patsamba lankhaniyo. (Disembala 2021) (Phunzirani momwe mungachotsere uthengawu komanso liti pa template)
Zitsanzo ndi malingaliro omwe ali m'nkhaniyi mwina sangawonetse momwe dziko likuwonera mutuwo. Mutha kukonza nkhaniyi, kukambirana za mutu womwe uli patsamba lankhani, kapena kupanga nkhani yatsopano, ngati kuli koyenera. (Disembala 2021) (Phunzirani momwe mungachotsere uthengawu komanso liti pa template)
Kutsekedwa ku UK
Ngati mwatsala pang'ono kubweza ngongole yanu, wobwereketsa adzafuna kuti muwabwezere. Ngati simutero, wobwereketsayo adzachitapo kanthu. Izi zimatchedwa kuchitapo kanthu kuti mukhale nazo ndipo zingapangitse kuti mutaya nyumba yanu.
Ngati muthamangitsidwa, mutha kuwuzanso wobwereketsa kuti ndinu munthu wowopsa. Ngati avomereza kuyimitsa kuthamangitsidwa, muyenera kudziwitsa khoti ndi bailiffs nthawi yomweyo, omwe mafotokozedwe awo adzakhala pa chidziwitso chothamangitsidwa. Apanganso nthawi ina kuti akuthamangitseni: akuyenera kukudziwitsaninso masiku 7.
Munganene kuti wobwereketsa wanu wachita zinthu mopanda chilungamo kapena mopanda nzeru, kapena sanatsatire ndondomeko yoyenera. Izi zingathandize kuti khothi lichedwetsedwe kapena kukakamiza woweruza kuti apereke chigamulo choyimitsa katundu wanu m'malo mokambirana ndi wobwereketsa wanu zomwe zingakupangitseni kuthamangitsidwa m'nyumba mwanu.
Wobwereketsa wobwereketsa sakuyenera kukuchitirani milandu osatsata Ma Code Mortgage Codes of Conduct (MCOB) okhazikitsidwa ndi Financial Conduct Authority (FCA). Malamulowa amati wobwereketsa nyumba ayenera kukuchitirani chilungamo ndikukupatsani mwayi wokwanira wobweza ngongole, ngati mungathe. Muyenera kuganizira zopempha zilizonse zomveka zomwe mungafune kuti musinthe nthawi kapena njira yolipira. Wobwereketsa nyumbayo akuyenera kuchitapo kanthu ngati njira yomaliza ngati zoyesayesa zina zobweza ngongole sizinaphule kanthu.
Kubwezeredwa kwa nyumba ku United Kingdom
Nyumba zobwezeredwa ndi nyumba zomwe zidabweza ngongole. Ngati mwininyumba sangathe kubweza ngongole zawo zanyumba, banki ikhoza kulandanso nyumbayo. Njira imeneyi imatchedwanso kulandidwa. Koma chimachitika ndi chiyani ku nyumba zolandidwa mabanki atawalandanso? Yankho limatengera zomwe banki yasankha kuchita.
Mabanki amakonda kunena kuti kutsekedwa ndi njira yomaliza. Mwinamwake munamvapo kuti kulandidwa ndi kuthamangitsidwa ndi mtengo kwa obwereketsa, ndipo obwereketsa amakonda kusunga eni nyumba m'nyumba zawo. Ngati mwininyumba alephera kubweza ngongole yanyumba, atha kupanga pangano lolekerera kapena dongosolo lolipira ndi wobwereketsa. Ngati sichoncho, wobwereketsayo apereka chidziwitso cha kusakhazikika, zomwe zimapangitsa kuti nyumbayo itsekedwe.
Komabe, kuchira sikungochitika zokha. M'mayiko ambiri, kuchira kumafuna nthawi yayitali komanso chigamulo cha khoti. Ngati banki yasankha kuchita izi, ndichifukwa choti sangathe kapena sakufuna kupeza njira ina ndi eni nyumba omwe akulephera.
