Kodi ndalama zolipirira nyumba zimapezedwa pamene idagulitsidwa?
Ngati simungapeze njira ina yolipirira ngongole yanu yanyumba, mungafune kuganizira zogulitsa katundu wanu. Mwanjira imeneyi, mudzapeza ndalama zomwe mungagwiritse ntchito kulipira ngongole yanu yanyumba. Ngati muli ndi zotsala zokwanira, mutha kugwiritsanso ntchito kulipira ngongole zina.
Izi ndichifukwa choti mudzapitilizabe kubweza ngongole zanyumba, inshuwaransi yomanga, ndi zina zonse mpaka malowo atagulitsidwa. Malowo akagulitsidwa, wobwereketsayo adzalandira zochepa kwambiri kuposa momwe mumachitira. Malo omwe mwiniwake wachotsedwa (otchedwa repossessions) kapena omwe makiyi awo abwezeredwa kwa wobwereketsa nthawi zambiri amagulitsidwa pamtengo wocheperapo. Zimenezi zingatanthauze kuti kugulitsako sikungabweretse ndalama zokwanira kubweza ngongoleyo ndipo mungakhalebe ndi ngongole yolipirira. Ndiponso, obwereketsa kaŵirikaŵiri amagulitsa m’misika, kumene nthaŵi zambiri mitengo yogulitsa imakhala yotsika.
Ngati mukudzinenera kale kapena mukuganiza kuti mungafunike kupeza phindu, muyenera kufunsa malangizo musanagulitse malo anu kuti mulipire ngongole yanu yanyumba. Mutha kufunsa Citizen Service Office kwanuko kuti akupatseni malangizo. Kuti mudziwe zambiri za CAC yapafupi, kuphatikiza omwe angalangize ndi imelo, dinani CAC yapafupi.
Nyumba yogulitsa mtengo Calculator
Ambiri aife timatenga ngongole kuti tigule nyumba zathu, nthawi zambiri zimakhala zolemera kwambiri. Si zachilendo kusaina ngongole yanyumba yazaka 20 kapena 25. Koma chimachitika ndi chiyani ngati mukufuna kusuntha ndipo mukadali ndi ngongole pamutu panu? Ndipo chimachitika ndi chiyani kubwereketsa nyumba ikagulitsidwa? Ndi zophweka kuyamba kudutsa mapepala ndi kumva kuikidwa m'manda malinga ndi zikhalidwe. Koma puma pang'ono: kusuntha ndi ngongole ndi chinthu chodziwika kwambiri. Ndipo mwina ndizosavuta kuposa momwe mukuganizira.
Ngati mukufuna kugulitsa nyumba yanu ndi ngongole ku UK, muli ndi zosankha zingapo: nthawi zambiri kusamutsa ngongole yanu ku nyumba yatsopano (yotchedwa 'porting' in mortgage parlance), kubweza ngongole kapena kulipira msanga. Timakufotokozerani zonse. Kodi chimachitika ndi chiyani panyumba yanga ndikagulitsa? Mutha kulipira, kusuntha, kapena kubweza ngongole yonse. Koma ngongole iliyonse imagwira ntchito mosiyana. Chinthu choyamba chimene muyenera kuchita ndikuyang'ana momwe mungabwereke ngongole; Ngati jargon ndi lalikulu, musadandaule. Lankhulani mwachindunji ndi wobwereketsa wanu kuti akuthandizeni ndi mafunso aliwonse.
Kodi kampani yobwereketsa nyumba ingakukakamizeni kuti mugulitse nyumba yanu?
CHENJEZO: Kufanizitsa kotereku kumangokhudza zitsanzo zomwe zasonyezedwa. Ngati ndalama ndi mawu ndi osiyana, mitundu yofananira idzakhala yosiyana. Mitengo, monga kubwezanso kapena kubweza msanga, ndi kupulumutsa mtengo, monga kuchotsera chindapusa, sizikuphatikizidwa pamtengo wofananiza, koma zingakhudze mtengo wangongole. Kuyerekeza kwa mtundu womwe wawonetsedwa ndi ngongole yotetezedwa ndi $150.000 mwezi uliwonse ndikubweza chiwongola dzanja pazaka 25.
Ziwerengero zoyamba zobweza pamwezi ndizongoyerekeza, kutengera mtengo wotsatsa, kuchuluka kwa ngongole ndi nthawi yomwe mwalowa. Mitundu, ma komisheni ndi zowonongera, motero mtengo wonse wangongole, ukhoza kusiyanasiyana kutengera kuchuluka, nthawi ndi mbiri yangongole. Zobweza zenizeni zidzatengera momwe zinthu ziliri komanso kusintha kwa chiwongola dzanja.
Timanyadira zida ndi chidziwitso chomwe timapereka, ndipo mosiyana ndi masamba ena ofananitsa, timaphatikizanso mwayi wofufuza zinthu zonse munkhokwe yathu, posatengera kuti tili ndi ubale wabizinesi ndi ogulitsa zinthuzo kapena ayi. .
Zomwe zimachitika mukagulitsa nyumba yanu ndi ndalama zambiri kuposa zomwe mudalipira
Koma ngati ndinu expat mukukhala ku Dubai, mungakhale mukuganiza momwe malamulo akomweko amakugwirirani ntchito. Palibe chomwe chimakulepheretsani kusuntha nyumba, koma ngati mulibe malo omwe muli nawo panopa, mungakhale mukuganiza ngati mungagulitse nyumba yanu ndi ngongole.
Mosasamala kanthu kuti ndinu nzika yobadwa mwachilengedwe kapena wotuluka kunja, mutha kugulitsa malo obwereketsa ku Dubai. Kugulitsako kukapangidwa, mudzayenera kulipira ndalama zotsalazo kuphatikiza chiwongola dzanja chilichonse kapena zolipiritsa zogwirizana nazo. Ndalama zilizonse zomwe zatsala pambuyo pa kubwereketsa zilowa muakaunti yanu yakubanki.
Ndikofunika kuzindikira kuti simukuloledwa kuchoka ku UAE ndi ngongole. Ngati mukufuna kubwerera ku UK, muyenera kudikirira kuti katundu wanu agulitsidwe kaye kapena Expat Mortgage ingagwire ntchito ndi wobwereketsa wanu kukonza njira yolipirira mukangobwerera ku Britain.
Mutha kulembetsanso ngongole yobwereketsa kapena yobwereketsa ngati mukufuna kufufuza zina musanagulitse. Izi zikuthandizani kuti musunge malo anu bola mupitiliza kulipira kuchokera ku UK kapena kukhala ndi lendi yolipira kuti mubweze ngongoleyo.
