Kodi amandipatsa ngongole popanda ntchito yokhazikika?

Pezani ngongole ndi ntchito yosakhalitsa

Ogwira ntchito zamakontrakitala akuyeneranso kukhala ndi nyumba, ndipo anthu ambiri omwe amagwira ntchito zokhazikika amakhala ndi ndalama zokhazikika komanso malipiro olemekezeka omwe obwereketsa ngongole amakonda. Palibe chifukwa chomwe wogwira ntchito makontrakitala sangathe kubwereketsa nyumba ngati atachita bwino - ku The Mortgage Hut, tikudziwa momwe tingachitire bwino. Ma projekiti ndi makontrakitala anthawi yokhazikika

Chifukwa chakuti mumalembedwa ntchito pa ntchito ndikupita kumalo ena, kugawana zomwe mwakumana nazo ndi luso lanu, sizikutanthauza kuti ndalama zanu sizokhazikika. Ngakhale pali mipata pakati pa makontrakitala, mbiri yokhazikika yantchito imasangalatsa obwereketsa kuti akupatseni zina mwazabwino kwambiri.

Makontrakitala onse anthawi yayitali komanso okhazikika adzafunika kuwonetsa nthawi yayitali ya ndalama zomwe amapeza nthawi zonse, kudzera muzobweza misonkho kapena ma ambulera accounting, koma ndi izi m'manja mwanyumba yobwereketsa siili kutali.

Ogwira ntchito zanthawi yochepa amakonda kuthamangira kuntchito kupita kuntchito, ndikupanga CV yochititsa chidwi panthawiyi, koma obwereketsa amatha kuwona momwe ntchito zanthawi yayitali zimabweretsera ndalama zokhazikika ndipo ndichofunika kwambiri kwa iwo. .

Mgwirizano wakanthawi wobwereketsa nyumba za Halifax

Ngongole yanyumba mwina ndiye ndalama zazikuluzikulu zachuma komanso kudzipereka komwe mungapange. Pamene mutenga sitepe yayikuluyi, mudzafuna kutsimikiza kuti mukupeza zomwe zili zoyenera kwa inu. Pali zinthu zingapo zomwe zimakhudza kuyenerera kwanu, ndalama zomwe mungabwereke, ndi zomwe mumapatsidwa, zomwe zimatengera ntchito yanu. Ngati mukuganiza zofunsira ngongole ku UK komanso kuganizira zofunafuna ntchito yatsopano, onetsetsani kuti mukuwerengabe kuti muwone momwe zingakukhudzireni. Kuyambira nthawi yayitali bwanji yomwe muyenera kukhala pantchito musanatenge ngongole ku UK mpaka kusintha kwa mgwirizano, tayankha mafunso anu onse oyaka moto.

Mukawunikanso ntchito yanu, obwereketsa ambiri adzafuna kuwona kuti muli ndi ntchito yolimba, yokhazikika asanakupatseni ngongole yanyumba. Izi zikutanthauza kuti, monga lamulo, ndi bwino kusiya kufunafuna ntchito mpaka ngongole yanu yanyumba itakhazikika. Sizidzangopangitsa kuti ntchitoyo ikhale yosavuta, komanso ikupatsani mtendere wamumtima podziwa ndendende momwe ndalama zanu zamwezi zidzakhalire musanasinthe zomwe zingakhudze malipiro anu.

Halifax

Olembera ayenera kuti adalembedwa ntchito pa mgwirizano wanthawi yokhazikika kwa miyezi yosachepera 12. Ngati sanatero, akuyenera kukhala ndi miyezi 24 yotsala pa kontrakitala yawo. Nthawi zapakati pa makontrakitala m'miyezi 12 yapitayi sizingawonjezere mpaka milungu 12.

^Ngati kasitomala wanu ali kale ndi akaunti yapadziko lonse yoyang'anira kapena kubwereketsa, simuyenera kuwapatsa mawu (ma) awo ngati apangidwa ngati chofunikira. Ingolembani fomu yathu yodziwitsa zabizinesi yatsopano, kenako sikani ndikuphatikiza kuti muchotse zomwe mukufuna.

Ngati kuli kotheka, tidzayesa kutsimikizira ndalama za kasitomala wanu pogwiritsa ntchito zidziwitso zamabungwe angongole. Ngati titha kutsimikizira ndalama zomwe kasitomala wanu wapeza, sitidzafuna umboni wa ndalama.

*Ngati kasitomala ali ndi gawo la 20% kapena kuchepera, tidzawatenga ngati "antchito" ndikugwiritsa ntchito malipilo awo kutsimikizira zomwe amapeza. Ngati ndalama zolipirira sizili zokwanira kulungamitsa ngongole yomwe yapemphedwa, tidzawaona ngati odzilemba okha ntchito, mwachitsanzo, tikayenera kuwerengera ndalama zamagulu.

dziko lomanga gulu

Mukufuna kugula nyumba koma mulibe ntchito yokhazikika pakampani yanu? Ngakhale zili choncho ndizotheka kufunsira ngongole yanyumba. Mwachionekere, pali zinthu zina zofunika. Alangizi athu odziwa bwino kubwereketsa nyumba ali ndi mayankho okwanira ku mafunso anu onse. Kuphatikiza apo, iwonso ndi owerengera ngongole ndikuwunika mitundu ina ya ndalama. Pachifukwa ichi, ndi ngongole yobwereketsa popanda mgwirizano wosadziwika kapena kalata ya cholinga, zambiri ndi zotheka kuposa zomwe poyamba zinkaganiziridwa. Kodi mukufuna kulembetsa kubwereketsa posachedwa? Mawu ofunika kwambiri omwe mungakumane nawo pankhaniyi ndi "term contract mortgage" ndi "palibe kalata yobwereketsa". Patsamba lino tikufotokoza mwatsatanetsatane.

Ngakhale mungakayikire mwanjira ina, monga wogwira ntchito mulinso ndi mwayi wopeza ngongole yanyumba popanda mgwirizano wanthawi zonse kapena kalata yotsimikizira. Zimatengera momwe zinthu ziliri pamoyo wanu zomwe zikutanthawuza. Mwa zina, mtundu wa ntchito umakhudza. Kupatula apo, mtengo wa ndalama zomwe mumapeza ndizofunika kudziwa kuchuluka kwa ngongole yanyumba. Mgwirizano wanthawi yochepa ungatanthauze kuti mudzalandira mgwirizano wokhazikika posachedwa. Ndiye n’zotheka kufunsa abwana anu kalata yosonyeza kuti akufuna kuchita zinthu zinazake. Ngati zochitika za bungwe sizisintha ndipo mukupitirizabe kugwira ntchito monga tsopano, chikalatachi chikusonyeza kuti mgwirizano wotsatira udzakhala wamuyaya. Ngati mupempha ngongole yanyumba popanda mgwirizano wanthawi zonse kapena kalata yotsimikizira, ndalama zomwe mumapeza zidzaganiziridwa.