ndi zingati zobweza ngongole zanyumba musanabwezedwe uk
Ntchito-m'malo mwa kulandidwa (m'malo mwake) ndikusamutsira, ndi mwiniwake wa katundu wobwereketsa, kwa wobwereketsa, mokhutiritsa kwathunthu udindo womwe wobwereketsa wobwereketsa. 735 ILCS 5/15-1401. Wobwereketsayo amapeza udindo wa malowo malinga ndi zomwe anene kapena kubwereketsa pamalopo, koma ngongoleyo siiphatikizidwa ndi dzina la wobwereketsayo. Id. Kuvomereza chikalata cholowa m'malo kumathetsa udindo wa wobwereka ndi anthu ena onse omwe ali ndi ngongole yanyumba, pokhapokha ngati pali mgwirizano wotsutsana ndi womwe wapangidwa nthawi imodzi ndi kubwereketsa kwa chikalata cholowa. Id. Zolinga ndi zomwe wobwereka angapereke ndipo wobwereketsa adzavomera chiphaso m'malo mwa kulandidwa ndizokambitsirana kwambiri ndipo zimadalira momwe wobwereketsa amachitira. Popeza malamulo amilandu a Illinois, Wisconsin, ndi Indiana pamutuwu ndi ochepa, ndizothandiza kuunikanso malamulo aboma ndi ena aboma.
Ubwino wachiwiri kwa wobwereka ndikuti amapewa kulengeza, kuwononga ndalama komanso nthawi yomwe ikukhudzidwa ndi njira zogwirira ntchito yobwereketsa ngongole ndi maudindo ena, ndikutayika kwa katunduyo. Chachitatu, wobwereketsayo angavomereze kulipira ndalama zonse kapena gawo limodzi la ndalama zosinthira kapenanso kulingalira zandalama zinanso ngati ndalama za nyumbayo zaposa ngongole yanyumba. Komabe, ndalama zomwe wobwereketsa adzalipira nthawi zambiri zimakhala zochepa poyerekeza ndi zomwe munthu wina angalipire, ngati angapezeke. Pomaliza, wobwereketsayo angabweze kwa wobwereketsayo ufulu wochepa wokhala ndi katundu kapena maufulu ena a katundu, monga kubwereketsa katundu yense kapena mbali yake, kusankha kugula, kukana koyamba, ndi zina zotero. Komabe, obwereketsa nthawi zambiri safuna kupereka maufulu otsalawo kwa wobwereketsa kuti apeze umwini wopanda chiwongola dzanja chilichonse. Ngati mwayi kapena ufulu wokana koyamba waperekedwa, wobwereketsayo nthawi zambiri amachepetsa nthawi yomwe angatayidwe mpaka nthawi yochepa.
Kodi angatengenso nyumba yanu panthawi yachifumu?
Ndife ntchito yofananira yodziyimira payokha, yothandizidwa ndi zotsatsa. Cholinga chathu ndi kukuthandizani kuti mupange zisankho zanzeru zachuma popereka zida zolumikizirana ndi zowerengera zachuma, kusindikiza zomwe zili zoyambira komanso zolinga, ndikukulolani kuchita kafukufuku ndikuyerekeza zambiri kwaulere, kuti mutha kupanga zosankha zachuma molimba mtima.
Zopereka zomwe zikuwonekera patsambali ndi zochokera kumakampani omwe amatilipira. Kulipiridwaku kungakhudze momwe zinthu zimawonekera patsamba lino, kuphatikiza, mwachitsanzo, momwe zingawonekere m'magulu amndandanda. Koma kubweza kumeneku sikukhudza zambiri zomwe timafalitsa, kapena ndemanga zomwe mumawona patsamba lino. Sitikuphatikiza dziko lonse lamakampani kapena zopereka zandalama zomwe zingapezeke kwa inu.
Ndife odziyimira pawokha, ntchito zofananira zothandizidwa ndi zotsatsa. Cholinga chathu ndi kukuthandizani kuti mupange zisankho zanzeru zachuma popereka zida zolumikizirana ndi zowerengera zachuma, kusindikiza zomwe zili zoyambira komanso zolinga, ndikukulolani kuchita kafukufuku ndikuyerekeza zambiri kwaulere, kuti mutha kupanga zosankha zachuma molimba mtima.
Kubwezeredwa kwa katundu yemwe wabwereketsa
Ngati mgwirizano wanu wobwereketsa uli ndi bungwe lazachuma lomwe limayang'aniridwa ndi boma, monga banki, wobwereketsayo akuyenera kukupatsirani mawu okonzanso masiku osachepera 21 kuti nthawi yanu isanathe. Wobwereketsayo akuyeneranso kukudziwitsani masiku 21 nthawi yomaliza isanathe ngati simukubwezanso ngongole yanu yanyumba.
Yambani kuyang'ana miyezi ingapo tsiku lomaliza lisanafike. Lumikizanani ndi obwereketsa osiyanasiyana ndi obwereketsa nyumba kuti muwone ngati akupereka njira zobwereketsa zomwe zimakwaniritsa zosowa zanu. Musadikire kuti mulandire kalata yowonjeza kuchokera kwa wobwereketsa wanu.
Kambiranani ndi wobwereketsa wanu wapano. Mutha kukhala oyenera kulandira chiwongola dzanja chochepa kuposa momwe tafotokozera m'kalata yanu yokonzanso. Uzani wobwereketsa wanu za zomwe mwalandira kuchokera kwa obwereketsa ena kapena obwereketsa nyumba. Mutha kupereka umboni wazotsatsa zilizonse zomwe mumalandira. Onetsetsani kuti chidziwitsochi chili pafupi.
Ngati simuchitapo kanthu, kukonzanso nthawi yanu yobwereketsa kutha kukhala yokha. Izi zikutanthauza kuti mwina simungalandire chiwongola dzanja chabwino komanso mawu. Ngati wobwereketsa akukonzekera kukonzanso ngongole yanu yobwereketsa, zidzatero powonjezeranso.
Miyezi ingati kumbuyo kwa ngongole yanyumba isanachitike
Ngati muli ndi ngongole yanyumba, wobwereketsa wanu akufuna kuti mulipire. 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.
