Momwe mungatulukire m'nyumba yomwe ili pansi pamadzi
Ngati mwiniwakeyo walephera kubweza ngongoleyo, wobwereketsayo angakutengereni kukhoti kuti mukatenge malowo. Izi nthawi zambiri zimawapatsa chilolezo chothamangitsa aliyense wokhala kumeneko.
Mukapita kukhoti pamaso panu, muyenera kuvala chigoba kapena kutseka pakamwa ndi pamphuno. Ngati simubweretsa, simudzaloledwa kulowa mnyumbamo. Anthu ena sayenera kuvala chimodzi - onani yemwe sayenera kuvala chigoba kapena chophimba kumaso ku GOV.UK.
Ngati simunapemphe chilolezo kukhothi kuti akupatseni, muli ndi mwayi wina woyesa kuchedwetsa kulandidwa kwa nyumba yanu. Izi zimachitika pamene wobwereketsa wobwereketsa wafunsira, kapena akufuna kuyitanitsa, kuti apereke chikalata chomutenga. Kalata ya zomwe muli nazo imapatsa wolonderayo mphamvu yakutulutsani panyumba panu.
Wobwereketsa asanakutulutseni, akuyenera kutumiza chidziwitso kunyumba kwanu kuti akupempha chigamulo cha khoti. Izi zimatchedwa Notice of Execution of the Possession Order. Pakadali pano, mutha kufunsa wobwereketsa wa eni ake kuti achedwetse kubweza mpaka miyezi iwiri. Ngati wobwereketsa akukana kapena sakuyankha pempho lanu, mukhoza kupempha kukhoti. Koma muzichita mwachangu chifukwa khoti litha kukupatsani chigamulo choti mutenge pakadutsa masiku 14 kuchokera pa tsiku lachidziwitso chomwe wobwereketsa adatumiza kunyumba kwanu.
kusiya ngongole uk
Kusadziwitsa wobwereketsa kuti mukufuna kubwereka nyumba kungakhale kowononga ndalama. Mwaukadaulo, wobwereketsa wanu angafunike kubweza ngongole yonse nthawi yomweyo, zomwe eni nyumba ambiri sakanakwanitsa.
Ngakhale ngongole zanyumba nthawi zambiri zimakhala zokwera mtengo kuposa zogulira nyumba, izi sizitanthauza kuti ngongoleyo imakhala yokwera mtengo nthawi yomweyo. Othandizira ambiri amakupatsirani chivomerezo chamgwirizano wotsalira wa chiwongola dzanja popanda kuwonjezera chiwongola dzanja.
Mabanki ndi obwereketsa ena amakonda kuona kubwereketsa nyumba kukhala kowopsa kuposa eni nyumba. Nthawi yopuma - nthawi yomwe kulibe ndalama zobwereka pakati pa obwereka omwe akuchoka ndi atsopano omwe akubwera - ndizovuta kwambiri, zomwe zingawononge kubweza ndalama.
Bank of England yatsogolera njira yoyendetsera msika wogulitsira nyumba, ndikuyambitsa malamulo okhwima a eni nyumba mu 2017. Zosinthazi, pamodzi ndi kukonzanso msonkho kwa chilango, zapangitsa kuti mazana a zikwi za eni nyumba achoke pamsika.
Momwe mungachotsere ngongole kuti mugule nyumba ina
Kodi ndingabwereke nyumba yanga ngati ndili ndi ngongole yakunyumba ku Netherlands? Malamulo ndi malamulo a banki yanu kapena wobwereketsa nyumba amagwira ntchito ngati mukufuna kubwereka nyumba ndi ngongole yanyumba. Ndibwino kudziwa kuti nyumba zokhala ndi eni ake zimagwiritsa ntchito ngongole zanyumba. M'mawu ena, muyenera kukhala m'nyumba yomwe muli nayo. Ngati mukukonzekera kubwereka nyumba yanu yokhalamo ndikusunga nyumba yanu yobwereketsa yomwe muli nayo, muyenera chilolezo cha wobwereketsa ngongole.
Komabe, zingakhale zovuta kutsimikizira banki kuti ndizovuta kugulitsa nyumba yanu pamsika wamakono. Wobwereketsa nyumba kapena banki akhoza kukupatsani chilolezo cholembera kuti mubwereke nyumba yanu mpaka miyezi 24. Zolinga za ngongole yanu yanyumba zidzagwira ntchito nthawi ya chilolezo cha wobwereketsa ikatha. Kumbukirani kuti wobwereketsa nyumba amatha kukonza chilolezocho mwachangu.
3. Ngati banki ikufuna kukuwonongerani ndalama, banki imagulitsa nyumba yanu. Wogula watsopanoyo amapeza malo ndi lendi yomwe ilipo. Wogula watsopano sangathe kuthamangitsa mwiniwakeyo, choncho mgwirizano wobwereketsa umakhudza kwambiri kubwezeredwa kwa ndalama, choncho, pamtengo wamtengo wapatali. N’zovuta kupeza munthu woyenerera amene angasamalire malowo mofanana ndi mmene mwininyumbayo amachitira.
Momwe Mungalekere Mwalamulo Kulipira Ngongole Yanu
Kupsyinjika kwa nyumba kumachitika pamene ndalama zapakhomo sizikulipira ndalama zake, kuphatikizapo malipiro a nyumba. Zitha kuchitika kwa aliyense kuti abwerere pamalipiro awo a ngongole. Ngati mukuvutika kubweza ngongole yanu, muyenera kuchitapo kanthu mwachangu osangokhala chete. Nthawi zambiri, pali njira zomwe zingathandize kuti vuto laling'ono lisakhale lalikulu. Izi zitha kukupatsani mwayi wabwino kwambiri wosunga nyumba yanu, kapena kuigulitsa momwe ilili.
Ngati mulipira ngongole yanu mwachindunji, koma mulibe ndalama zokwanira mu akaunti yanu, ngongole yachindunji idzakanidwa (nthawi zina imatchedwa "kunyozedwa"). Izi zikachitika, simungathe kubweza chilichonse.
Wobwereketsayo ayenera kuchitapo kanthu kuti atenge nyumba yanu. Mukachitapo kanthu mwamsanga, m’pamenenso mudzatha kukambirana zoti mubweze ndalamazo mogwirizana ndi mmene zinthu zilili pa moyo wanu.
Chodziwika kwambiri pamene wobwereketsa sapita kukhoti ndi pamene malo ali opanda munthu kapena malo osakonzedwa. Ngati izi zikukhudza inu, nkhani yanu ndiyachangu ndipo muyenera kuchitapo kanthu mukangolandira chidziwitso cha Fomu 12.
