Kodi ndingabwereke nyumba yanga ngati ndili ndi ngongole yanyumba?
Pulogalamu ya "Mortgage for Rent" imathandiza eni nyumba omwe ali pachiwopsezo chotaya nyumba zawo chifukwa chobweza mochedwa. Dongosololi ndi chimodzi mwazosankha zomwe zingachitike kwa anthu omwe adachita nawo gawo la Mortgage Arrears Resolution process.
Pansi pa ndondomekoyi, wobwereketsayo mwadala amasiya umwini wa nyumba yake kwa wobwereketsa ngongole. Bungwe lokhala ndi ziphatso zomanga nyumba (lomwe limadziwikanso kuti mayanjano a nyumba kapena mabungwe odzifunira) kapena kampani yabizinesi ikhoza kugula malowo akaperekedwa kwa wobwereketsa.
Ngati ndondomekoyi ndi njira kwa inu, wobwereketsa wanu adzakupatsani zolemba zonse zomwe mungafune kuti mulembetse ndondomekoyi, kuphatikizapo kalata yosonyeza kuti ngongole yanu si yokhazikika. Akuluakulu akudera lanu adzawona ngati banja lanu likuyenerera kulandira chithandizo chanyumba. Izi zimafuna kalata yokhudzana ndi ngongole yanu yanyumba.
Kodi lendi imakhudza ngongole yanyumba?
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 kubwezeredwa kwa ndalama, choncho, pamtengo wamtengo wapatali. N’zovuta kupeza munthu woyenerera amene angasamalire malowo mofanana ndi mmene mwininyumbayo amachitira.
Kuvomereza kubwereka nyumba 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.
Ngongole yogulira nyumba
Mutha kukhala katswiri wa eni nyumba kapena kubwereketsa nyumba yanu ngati "mwininyumba mwangozi" chifukwa mudalandira cholowa kapena chifukwa simunagulitse malo oyamba. Kaya zinthu zili bwanji, onetsetsani kuti mukudziwa udindo wanu wachuma.
Ngati muli ndi nyumba yobwereketsa, m'malo mogula ngongole, muyenera kuuza wobwereketsa ngati wina yemwe si inu adzakhale komweko. Izi zili choncho chifukwa ngongole zanyumba sizikulolani kuti mubwereke malo anu.
Mosiyana ndi ngongole zogulira nyumba, mapangano a chilolezo chobwereketsa amakhala ndi nthawi yayitali. Nthawi zambiri amakhala kwa miyezi 12, kapena ngati muli ndi nthawi yokhazikika, ndiye kuti zitha kukhala zothandiza ngati yankho kwakanthawi.
Ngati simuuza wobwereketsayo, zotsatira zake zimakhala zazikulu, chifukwa zitha kuonedwa ngati chinyengo cha ngongole. Izi zikutanthauza kuti wobwereketsa wanu angafunike kuti mulipire ngongole yanu nthawi yomweyo kapena kuyika chiwongola dzanja pamalowo.
Eni nyumba sangathenso kuchotsera chiwongola dzanja chanyumba ku ndalama zobwereka kuti achepetse misonkho yomwe amalipira. Tsopano alandila ngongole yamisonkho kutengera chiwongola dzanja cha 20% pamalipiro awo anyumba. Kusintha kwa lamuloli kungatanthauze kuti mudzalipira msonkho wochulukirapo kuposa kale.
