Kodi mungabwereke nyumba yomwe ikugulidwa?
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. Zabwino kudziwa: 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 kubweza kwa ndalama ndipo motero mtengo wa katunduyo. N’zovuta kupeza munthu woyenerera amene angasamalire malowo mofanana ndi mmene mwininyumbayo amachitira.
Kodi ndingabwereke nyumba yanga ngati ndili ndi ngongole yanyumba?
Ngati muli ndi nyumba yanu koma momwe mulili panopa simungakwanitse kulipira ndipo simungapeze malo okhalamo otsika mtengo, mungakhale ndi nkhawa kuti mudzataya katundu wanu. Pali zifukwa zingapo zomwe mungadzipezere mumkhalidwe wotero, monga kugwa kwachuma, kusintha kwa moyo wabanja, kupuma pantchito, ngakhale mikhalidwe yapadera.
Izi zimasiya zosankha zochepa za eni nyumba pamphepete mwa kusakhulupirika. Koma mutha kutembenuza script pochita lendi nyumba yanu ndikupeza ndalama ndikusungabe umwini wanyumba yanu. Ndi zotheka? Zedi. Ndi zophweka? Monga zosankha zambiri zachuma zokhudzana ndi nyumba, ayi. Koma ngati mukudziwa zimene mukuchita, onetsetsani kuti mwakonzekeratu ndi kusankha bwino anthu okhala m’nyumba mwanu komanso kwa nthawi yaitali bwanji. Kupeza zomwe zili zoyenera kuti mubwereke nyumba yanu kungakhale kopindulitsa kwa inu ndi wobwereketsa wanu.
Mosiyana ndi zomwe mungaganizire, mwina pakufunika kuti nyumba yanu ibwereke kuposa momwe mukuganizira. Chiyambireni mliriwu, obwereketsa ambiri akufunafuna nyumba za mabanja osakwatiwa m'malo mokhala ndi anthu ambiri m'matauni. Malinga ndi US Census Bureau, chiwerengero cha anthu obwereketsa m'gawo loyamba la 2022 chinali 5,8%, kuchokera pa 5,6% ya kotala yapitayi.
Kodi mungabwereke nyumba ndikukhala ndi nyumba?
Ngati mwiniwake wabweza ngongoleyo, wobwereketsa 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 la chidziwitso chomwe wobwereketsa adatumiza kunyumba kwanu.
Ngongole yobwereketsa
Kubwereka nyumba kungakhale kovutitsa. Zitha kukhala zokopa kungobwereketsa kwa achibale kapena abwenzi kuti muwonetsetse kuti muli ndi ubale wabwino ndi omwe muli nawo. Komabe, nkhaniyi ikufotokoza zinthu zina zofunika, monga kuonetsetsa kuti mukukhala kumanja kwa lamulo.
Ndipo ndizoti, ngakhale mumakhulupirira wachibale kuposa alendi ena, mutha kulipira lendi yotsika kuposa msika ndikukhala wololera ngati sangakhale wobwereka wabwino, zomwe zingakhudze ndalama zomwe mumapeza kuchokera panyumbayo. Upangiri wabwino ndikulankhula ndi wobwereketsa wanu za njira zobwereketsa kwa achibale musanapange malonjezo aliwonse kwa wachibale wanu.
"Ngati mukuyang'ana ngongole yogulira pa malo anu osungiramo ndalama, wobwereketsa angafune kuti mupereke lendi pa 125% kapena kuposerapo pamtengo wangongole wa mwezi uliwonse, kotero simungathe kuchotsera anzanu kapena abale anu kapena azikakhala m'nyumba mwaulere"
Kuchokera pamalingaliro amunthu, zithanso kusokoneza zinthu ngati renti yatsitsidwa, koma iyenera kukwezedwa mtsogolo. Ubwenzi wa m’banja ukhoza kukhala wovuta ngati pali ndalama, choncho zingakhale bwino kutsatira njira yanthawi zonse yokhala ndi alendi amene sadziwana.
