Ngongole yanyumba
Ngongole yanyumba ndi ngongole yanthawi yayitali yopangidwira kukuthandizani kugula nyumba. Kuphatikiza pa kubweza likulu, muyeneranso kulipira chiwongola dzanja kwa wobwereketsa. Nyumba ndi malo ozungulira ndi chikole. Koma ngati mukufuna kukhala ndi nyumba, muyenera kudziwa zambiri kuposa izi. Lingaliroli limagwiranso ntchito ku bizinesi, makamaka pankhani ya ndalama zokhazikika komanso zotsekera.
Pafupifupi aliyense amene amagula nyumba amakhala ndi ngongole yanyumba. Mitengo yobwereketsa nyumba imatchulidwa kawirikawiri m'nkhani zamadzulo, ndipo malingaliro okhudza momwe angayendetsere kayendetsedwe kake kakhala gawo la chikhalidwe chazachuma.
Ngongole yamakono idawonekera mu 1934, pomwe boma - kuthandiza dzikolo kudzera mu Kukhumudwa Kwakukulu - lidapanga pulogalamu yanyumba yomwe idachepetsa kubweza komwe kumafunikira panyumba powonjezera ndalama zomwe eni nyumba angabwereke. Izi zisanachitike, kubweza 50% kunkafunika.
Mu 2022, kubweza 20% kumakhala kofunikira, makamaka popeza ngati malipirowo ndi ochepera 20%, muyenera kutenga inshuwaransi yanyumba yachinsinsi (PMI), yomwe imapangitsa kuti malipiro anu amwezi uliwonse akhale apamwamba. Komabe, zomwe zili zofunika sizipezeka kwenikweni. Pali mapulogalamu obwereketsa nyumba omwe amalola kubweza pang'ono, koma ngati mutha kupeza 20%, muyenera.
Ngongole yanyumba
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.
calculator ya ngongole
Ngati muli ndi ngongole ndi ngongole zanyumba, pangakhale zinthu zomwe mungachite kuti mupewe kubweza ngongoleyo ndikubweza ngongoleyo. Onani Momwe mungathanirane ndi ngongole yanyumba.
Ngati muli ndi vuto lalikulu pakubweza ngongole yanu, mwachitsanzo, ngati mwayamba kulandira makalata kuchokera kwa wobwereketsa wobwereketsa akuwopseza kuti akuwopsezani, muyenera kupeza thandizo kuchokera kwa mlangizi wodziwa zangongole.
Mutha kupeza ngongole yotsika mtengo yobwereketsa nyumba ndi wobwereketsa wina. Mungafunike kulipira chindapusa kuti musinthe obwereketsa nyumba, ndipo mudzayenera kulipirabe ndalama zomwe munabwereketsa woyamba ngati mwalephera kulipira.
Mutha kuchepetsa ndalama zina posinthira ku inshuwaransi yotsika mtengo, nyumba kapena inshuwaransi yoteteza zomwe zili mkati. Mutha kupeza zambiri zamomwe mungasinthire inshuwaransi yanu patsamba la Money Advice Service: www.moneyadviceservice.org.uk.
Mutha kufunsa wobwereketsa ngati akuvomera kutsitsa ngongole zanyumba pamwezi, nthawi zambiri kwa nthawi yochepa. Izi zingakuthandizeni kuthana ndi vuto lalikulu ndikukulepheretsani kukhala ndi ngongole. Ngati ngongoleyo idawunjika kale, muyenera kupeza njira yolipira.
Wobwereketsa nyumba amafuna kuti alipire 20 ndipo amapereka ngongole yazaka 30 ndi chiwongola dzanja cha 3,5
Kwa ambiri aife, kugula nyumba kumatanthauza kutenga ngongole. Ndi imodzi mwa ngongole zazikulu zomwe tikupempha, kotero ndikofunikira kumvetsetsa momwe magawo amagwirira ntchito komanso zomwe mungachite kuti muchepetse.
Ndi ngongole ya amortization, malipiro a mwezi uliwonse amapangidwa ndi magawo awiri osiyana. Mbali ina ya chiwongoladzanja cha mwezi uliwonse idzagwiritsidwa ntchito kuchepetsa chiwongoladzanja chomwe chatsala, pamene yotsalayo idzagwiritsidwa ntchito kubweza chiwongoladzanja cha ngongoleyo.
Mukadzafika kumapeto kwa nthawi yanu yobwereketsa, wamkulu yemwe mudabwereka adzabwezedwa, kutanthauza kuti ngongoleyo idzabwezeredwa mokwanira. Gome lotsatirali likuwonetsa momwe chiwongola dzanja ndi malipiro oyamba zidzasinthire panthawi yobwereketsa.
Komabe, kumapeto kwa zaka 25, mudzafunika kubweza ndalama zokwana £200.000 zomwe mudabwereka poyamba; ngati simungathe, mungafunike kugulitsa malowo kapena kuyang'anizana ndi chiopsezo cholandidwa.
Tiyeni tibwererenso ku chitsanzo chathu cham'mbuyomu cha ngongole yazaka 200.000 ya £25 yokhala ndi chiwongola dzanja cha 3%. Mukalipira ndalama zokwana £90 pamwezi, mutha kubweza ngongoleyo m'zaka 22 zokha, ndikukupulumutsirani zaka zitatu zolipira chiwongola dzanja pa ngongoleyo. Izi zitha kupulumutsa £11.358.
