Ngongole yanyumba imatha nthawi isanamalizidwe
Pali zosankha zingapo pankhani yopezera ndalama zokonzanso nyumba, ndipo zomwe zili zabwino kwa inu zimatengera momwe zinthu ziliri. Tiyeni tiwone njira zisanu zopezera ndalama zomwe mukufuna.
Inde, nthawi zambiri zimakhala zotheka kubwereka ndalama zowonjezera nyumba kuti muwonjezere ndalama. Ndi za kupempha ndalama zochulukira kwa wobwereketsa wanu wanyumba kuti alipirire ntchito yokonzanso, kufalitsa magawowo kwa nthawi yayitali. Komabe, iyi si njira yokhayo ndipo mwina singakhale yoyenera kwa inu. Werengani kuti mudziwe zambiri za njira zosiyanasiyana zopezera ndalama kuti mukulitse.
Kubwereketsa ndi kusamutsa ngongole yanu kuchokera kwa wothandizira wina kupita kwa wina. Amakonda kukweza ndalama, kudzipereka ku dongosolo lobweza lalitali mukasintha kubwereketsa nyumba yatsopano. Ubwino umodzi wobwereketsa ndi mwayi wopeza ndalama mwachangu.
Kumbukirani kuti ngongoleyo ndi ngongole yaikulu yomwe nyumbayo imagwiritsidwa ntchito ngati chikole. Chifukwa chake, kuwonjezera kuchuluka kwa ngongoleyo kungakhale kowopsa, chifukwa ngati simungakwanitse kulipira, mumayika pachiwopsezo kuti woperekayo atengenso nyumba yanu. Pachifukwa ichi, ndikofunika kuti muwonetsetse kuti mukudziwa ndalama zonse zowonjezera musanatenge sitepe. Kuti mudziwe zambiri komanso upangiri, pitani patsamba lathu la upangiri wanyumba ndi ndalama.
Mgwirizano Wowonjezera Wanyumba Yanyumba
Monga lamulo, kukulitsa kudzakutengerani pakati pa 1.350 ndi 2.250 mayuro pa lalikulu mita (kupatula VAT). Kumapeto kwa mtengo wamtengo wapatali womwe polojekiti yanu ikugwera idzadalira mtundu wa nyumba yomwe muli nayo, malo ake, ndi mtundu wowonjezera womwe mukufuna kupanga.
Mwachitsanzo, kukulitsa kwa bafa kungapangitse kuwonjezeka kwa £ 5.000 pamtengo womanga chipolopolo chowonjezera. Kumbali ina, kukulitsa khitchini kumatha kuwonjezera ndalama zokwana £10.000 pamlingo wanu. Mitengo yonseyi idzakhudzidwanso ndi mtundu wazinthu zomwe zayikidwa.
Pali njira zambiri zopezera ndalama zowonjezera. Mikhalidwe yanu yapadera imathandizira kusankha njira yopezera ndalama yomwe ili yoyenera kwambiri, choncho ndi nzeru kufufuza ndi kupeza uphungu wa akatswiri musanasankhe.
Ngati muli ndi ngongole yobwereketsa yokhazikika (SVR), kapena ngongole yobwereketsa yomwe yatsala pang'ono kutha, njira yabwino kwambiri yomwe mungachitire ingakhale kutenga ngongole yanyumba yandalama zokulirapo zomwe zikuphatikizapo mtengo wowonjezera.
Ndi mitengo yotsika yomwe ilipo pazigawo zokhazikika zazitali, ndizotheka (ngati muli pa SVR) kuti kubweza ngongole kumatha kutsika mtengo mwezi uliwonse kuposa momwe mukulipira pano. Komabe, ngati muli ndi ngongole yobwereketsa yomwe sikutha, ndalama zobweza msanga zingapangitse kuti njirayi ikhale yopanda phindu.
Ngongole kuti mukulitse nyumba
Funsani wobwereketsa wanu kuti akuwonjezereni kubwereketsa kwanu kwanyumba posachedwa. Mungafunike kuwadziwitsa kwa milungu ingapo ngati mukufuna kuwonjezera nthawi, choncho funsani iwo mwamsanga.
Kusuntha sikophweka nthawi zonse, ndipo wobwereketsa ngongole ayenera kumvetsetsa izi. Popeza Coronavirus yayimitsa mabizinesi ambiri ogulitsa nyumba, wobwereketsa wanu sangadabwe ngati pachedwa kutsiriza kugula kwanu.
Koma ndikofunikira kuti mudziwitse wobwereketsa wanu zambiri, chifukwa kuchepetsedwa kwaposachedwa kwa Stamp Duty Land Tax kukutanthauza kuti pali ogula ambiri omwe akufuna kuchoka mitengo ya Stamp Duty isanakwerenso pambuyo pake. pa Marichi 31, 2021. akhoza kukhala otanganidwa kwambiri ndi nyengo yamakono.
Ngati mukuda nkhawa ndi kuchedwa kwa nyumba yanu yatsopano, maloya athu obwereketsa angakukhazikitseni mtima. Gulu lathu lazamalamulo ndi othandizira katundu ndi akatswiri oyendetsa ntchito yogulitsa mwachangu ndipo, ngati pangakhale kuchedwa kulikonse, titha kukulangizani za njira yabwino yopitira patsogolo.
Kodi ndiyenera kudziwitsa wondibwereketsa za kuwonjezera?
Pamene mapeto a kupirira kwanu koyambirira akuyandikira, yang'anani momwe ndalama zanu zilili. Ngati mutha kuyambiranso kulipira ndalama zilizonse, mwa njira zonse, fufuzani njirayo. Zomwe mungasankhe, zomwe zimasiyana malinga ndi mtundu wa ngongole, zingaphatikizepo izi:
Ngati palibe njira zomwe zilipo zomwe zingatheke, apa ndipamene kuonjezera kupirira kwa ngongole kumabwera. Kuwonjezedwa kwa kupirira kumakupatsirani miyezi yowonjezera yosiyidwa kulipira kuti mutha kubweza mabilu ena kapena kungokhala "osasunthika" mpaka chuma chanu chikuyenda bwino.
Lamulo la CARES limapatsa eni nyumba omwe ali ndi ngongole zanyumba zothandizidwa ndi boma omwe akukhudzidwa ndi zachuma ndi mliri wa coronavirus kuyimitsidwa kwakanthawi (kupirira) mpaka masiku 180 pazolipira zonse kapena gawo lawo la ngongole. Lamulo la CARES limaperekanso kukulitsa kuleza mtima kwa masiku 180, malinga ngati wobwereka apempha kuti kulekerera koyambirira kusanathe.
Muyenera kulumikizana ndi wobwereketsa wanu kuti akupempheni kuti akuonjezereni chiwongola dzanja chanu kapena nthawi yowonjezera isanathe. Sikuti aliyense adzayenerere kuchuluka kwa zowonjezera. Kuti mupewe kuchita mantha, musadikire mpaka mphindi yomaliza kuti mulumikizane ndi wobwereketsa wanu ndikuwona zomwe mungasankhe.
