Zomwe zimachitika pamene ngongole yanyumba ikulipidwa ku UK
Kudziwa chochita ndi ndalama zambiri kapena ndalama zotsala pang'ono ndi chimodzi mwa mavuto osangalatsa azachuma. Njira ziwirizi ndi kugwiritsa ntchito ndalamazo kulipirira ngongole yanyumba kapena kuziyika, mwina m’masheya.
Kulipira ngongole kapena kuyika ndalama zomwe mwasunga ndi njira ziwiri zomveka, koma ndi iti yomwe mungasankhe? Ngati mukugula ngongole yanyumba, yang'anani chida chathu chofananizira chanyumba kuti tikupezereni zabwino.
Times Money Mentor adagwirizana ndi Koodoo Mortgage kuti apange chida chofananira ndi ngongole yanyumba. Gwiritsani ntchito kufananiza zomwe mungapeze, koma ngati mukufuna upangiri, ndibwino kuti mulankhule ndi wobwereketsa nyumba:
Choyipa chakulipira ngongole yanu yobwereketsa msanga ndikuti, mosiyana ndi ndalama zomwe zili muakaunti yosungira kapena dongosolo lazachuma, ngati mutagwiritsa ntchito ndalama zanu mwanjira imeneyi simungathe kuzigwiritsa ntchito pazosowa zilizonse zosayembekezereka, monga kutha ntchito.
Kaya mudayikapo ndalama ku mutual fund (komwe ndalama zanu zimaphatikizidwa ndi za anthu ena osunga ndalama ndikuwongolera m'malo mwanu), kapena mwagula magawo enieni, mutha kugulitsa ndalama zanu ngati mukufuna kutero.
Zoyipa zakuchotsa ngongole yanyumba ku UK
Ngati mutha kulipira ngongole yanu yobwereketsa msanga, mudzasunga ndalama pa chiwongola dzanja pa ngongole yanu. M'malo mwake, kuchotsa ngongole yanu yanyumba chaka chimodzi kapena ziwiri koyambirira kutha kukupulumutsirani mazana kapena masauzande a madola. Koma ngati mukuganiza zotengera njira imeneyi, muyenera kuganizira ngati pali chilango cholipiriratu, pakati pa zinthu zina zomwe zingachitike. Nazi zolakwika zisanu zomwe muyenera kupewa mukalipira ngongole yanu msanga. Mlangizi wazachuma angakuthandizeni kudziwa zomwe mukufuna kubwereketsa komanso zolinga zanu.
Eni nyumba ambiri angakonde kukhala ndi nyumba zawo komanso kuti asade nkhawa ndi malipiro a mwezi uliwonse. Chifukwa chake kwa anthu ena kungakhale koyenera kufufuza lingaliro lakulipira ngongole yanu yobwereketsa msanga. Izi zikuthandizani kuti muchepetse chiwongola dzanja chomwe mudzalipire panthawi yobwereketsa, komanso kukupatsani mwayi wokhala mwini nyumbayo posachedwa kuposa momwe mumayembekezera.
Pali njira zingapo zolipiriratu. Njira yosavuta ndiyo kungopanga ndalama zowonjezera kunja kwa zomwe mumalipira pamwezi. Malingana ngati njira iyi sikukuwonjezerani ndalama zowonjezera kuchokera kwa wobwereketsa wanu, mutha kutumiza macheke 13 chaka chilichonse m'malo mwa 12 (kapena zofanana ndi izi pa intaneti). Mukhozanso kuwonjezera malipiro anu pamwezi. Ngati mumalipira zambiri mwezi uliwonse, mudzalipira ngongole yonse kale kuposa momwe mumayembekezera.
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Zabwino kwambiri Sally. Simuyeneranso kuganizira za kubwereketsa nyumba, chiwongola dzanja kapena kulipira pamwezi kubanki. Koma mutasiya kuvina mozungulira nyumba yanu yolipidwa mokwanira, pali zinthu zingapo zoti muganizire.
Nyumba yanu siyingalembetsedwe ngati munali nayo chaka cha 1990 chisanafike. Ngati muyenera kulembetsa, muyenera kulipira ndalama. Ndalamayi idzadalira mtengo wa nyumba yanu. Mutha kuwerengera ndi chowerengera ichi.
Muyeneranso kulingalira za kuonjezera ndalama zomwe mwasunga chifukwa mukunena kuti sizili zazikulu. Ndalama zovomerezeka za thumba lazadzidzi ndi malipiro a miyezi ingapo muakaunti yosungika yomwe ikupezeka mosavuta. Ndikofunika kukhala odekha ngati akuchotsedwa ntchito kapena galimoto yawonongeka.
Zomwe mwasankha kuchita ndi ndalama zanu zowonjezera zili ndi inu. Bwanji osawononga zina mwa izo patchuthi? Kungakhale kosavuta kupanga zisankho ngati mumalowa m'nyanja kapena kupumula ndi malo odyera kapena awiri.
Polemba zambiri zanu, mukuvomera kuti azigwiritsa ntchito molingana ndi mfundo zathu zachinsinsi. Polembetsa, mudzalandiranso kalata yathu yamasabata isanu ndi umodzi ya 'Couch to £5K'. Mutha kusiya kulembetsa, ngakhale mutasiya kulandira makalata onse awiri.
Kodi kubweza ngongole kumachepetsa ndalama zomwe zimaperekedwa pamwezi?
Bungwe la credit union ndi bungwe lopanda phindu limene mamembala amaika mwezi uliwonse mu akaunti yawo yosungira ndalama ndikukhala ndi mwayi wopeza ngongole kuchokera ku madipoziti ophatikizana. Ndi bungwe lazachuma lomwe limayang'aniridwa ndi mamembala ake.
Ulalo wamba wa No1 CopperPot ndi munthu aliyense wolembedwa ntchito kapena wachibale wa apolisi. Izi zikuphatikizapo apolisi, opuma pantchito, apolisi, ma PCSO, apadera, ndi mabanja awo. Chonde dziwani kuti achibale ayenera kukhala pa adilesi yomweyi ndi membala yemwe amagwira ntchito ku Police.
Timalandila mamembala ochokera ku bungwe lililonse ku England, Wales kapena Scotland. Tili ndi kuchotsera malipiro ndi mphamvu 28, zomwe zimapangitsa kupulumutsa kukhala kosavuta. Chilichonse chomwe sitinachotserepo malipiro angathandizire ku akaunti yawo kudzera pa debit mwachindunji.
Tsoka ilo, sitimapereka maakaunti ophatikizana, koma ngati membala yemwe amagwira ntchito ku Banja la Apolisi akukhala ndi mnzake, amatha kutsegula akaunti yawoyawo yosungirako, yomwe imadziwika kuti Akaunti ya Membala wa Banja.
