Malipiro obweza nyumba msanga
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.
Chowerengera Ndalama Zobwezera Mosakhalitsa
Ngati mutha kulipira ngongole yanu yobwereketsa msanga, mudzasunga ndalama pa chiwongola dzanja pa ngongole yanu. M'malo mwake, kuchotsa ngongole yanu yanyumba chaka chimodzi kapena ziwiri koyambirira kungakupulumutseni mazana kapena masauzande a madola. Koma ngati mukuganiza zotengera njira imeneyi, muyenera kuganizira ngati pali chilango cholipiriratu, pakati pa zinthu zina zomwe zingachitike. Nazi zolakwika zisanu zomwe muyenera kupewa mukalipira ngongole yanu msanga. Mlangizi wazachuma angakuthandizeni kudziwa zomwe mukufuna kubwereketsa komanso zolinga zanu.
Eni nyumba ambiri angakonde kukhala ndi nyumba zawo komanso kuti asade nkhawa ndi malipiro a mwezi uliwonse. Chifukwa chake kwa anthu ena kungakhale koyenera kufufuza lingaliro lakulipira ngongole yanu yobwereketsa msanga. Izi zikuthandizani kuti muchepetse chiwongola dzanja chomwe mudzalipire panthawi yobwereketsa, komanso kukupatsani mwayi wokhala mwini nyumbayo posachedwa kuposa momwe mumayembekezera.
Pali njira zingapo zolipiriratu. Njira yosavuta ndiyo kungopanga ndalama zowonjezera kunja kwa zomwe mumalipira pamwezi. Malingana ngati njira iyi sikukuwonjezerani ndalama zowonjezera kuchokera kwa wobwereketsa wanu, mutha kutumiza macheke 13 chaka chilichonse m'malo mwa 12 (kapena zofanana ndi izi pa intaneti). Mukhozanso kuwonjezera malipiro anu pamwezi. Ngati mumalipira zambiri mwezi uliwonse, mudzalipira ngongole yonse kale kuposa momwe mumayembekezera.
Malipiro obweza msanga ngati nyumba yagulitsidwa
Mawu akuti "ngongole" amatanthauza ngongole yomwe imagwiritsidwa ntchito pogula kapena kukonza nyumba, malo, kapena mitundu ina ya katundu weniweni. Wobwereka amavomera kulipira wobwereketsa pakapita nthawi, nthawi zambiri pamalipiro anthawi zonse omwe amagawidwa kukhala chiwongola dzanja ndi chiwongola dzanja. Malowa amakhala ngati chikole kuti apeze ngongoleyo.
Wobwereketsa amayenera kufunsira ngongole kudzera mwa wobwereketsa yemwe amamukonda ndikuwonetsetsa kuti akukwaniritsa zofunikira zingapo, monga ziwongola dzanja zochepa ndi zobweza. Zofunsira kubwereketsa zimalowa m'ndondomeko yolimba kwambiri isanafike pomaliza. Mitundu ya ngongole zanyumba imasiyana malinga ndi zosowa za wobwereka, monga ngongole zanthawi zonse ndi ngongole zokhazikika.
Anthu ndi mabizinesi amagwiritsa ntchito ngongole zanyumba kuti agule malo popanda kulipira mtengo wonse wogulira. Wobwereka amabweza ngongoleyo kuphatikiza chiwongola dzanja pazaka zingapo zoikidwiratu mpaka atakhala ndi malowo kwaulere komanso mopanda chiwongola dzanja. Ngongole zobwereketsa zimadziwikanso ngati ma liens otsutsana ndi katundu kapena mangawa pa katundu. Ngati wobwereketsa alephera kubweza ngongoleyo, wobwereketsayo akhoza kuwonongera katunduyo.
Palibe ngongole yanyumba
Justin Pritchard, CFP, ndi mlangizi wolipira komanso katswiri wazachuma. Zimakhudza mabanki, ngongole, ndalama, ngongole zanyumba ndi zina zambiri za The Balance. Ali ndi MBA yochokera ku yunivesite ya Colorado ndipo wakhala akugwira ntchito ku mabungwe a ngongole ndi makampani akuluakulu azachuma, komanso kulemba zandalama zaumwini kwa zaka zoposa makumi awiri.
Amy ndi ACA komanso CEO komanso woyambitsa OnPoint Learning, kampani yophunzitsa zandalama yomwe imaphunzitsa akatswiri azachuma. Ali ndi zaka pafupifupi makumi awiri akugwira ntchito pazachuma komanso ngati mphunzitsi wazachuma kwa akatswiri amakampani ndi anthu pawokha.
Anthu ambiri amagwiritsa ntchito ngongole kuti azigula zinthu zomwe sangakwanitse, monga nyumba kapena galimoto. Ngakhale ngongole zitha kukhala zida zazikulu zachuma zikagwiritsidwa ntchito moyenera, zitha kukhalanso adani akulu. Kuti musatenge ngongole zambiri, mvetsetsani momwe ngongole imagwirira ntchito komanso momwe ndalama zimapangidwira kwa obwereketsa musanayambe kubwereka ndalama kwa obwereketsa omwe akufuna.
Ngongole ndi bizinesi yayikulu m'dziko lazachuma. Amagwiritsidwa ntchito kwa obwereketsa kuti apeze ndalama. Palibe wobwereketsa amene amafuna kubwereketsa wina ndalama popanda kumulonjeza kuti amubweza. Kumbukirani izi mukamagula ngongole zanu kapena bizinesi: Momwe ngongole zimapangidwira zimatha kusokoneza ndikubweretsa ngongole zambiri.
