Prepayment Chirango
Kazhinji, unogona kunyorera yekutanga chikwereti chemba kutenga imba kana furati, kugadzirisa, kuwedzera uye kugadzirisa imba yako yazvino. Mabhanga mazhinji ane mutemo wakasiyana wevatengi vemba yechipiri. Rangarira kubvunza bhanga rako rekutengesa kuti uwane tsananguro chaiyo pazvinhu zviri pamusoro.
Bhangi rako rinoongorora kugona kwako kubhadhara kana uchifunga nezvekukodzera kwechikwereti chemba. Kubhadhara mari kunoenderana nemari yako yaunoraswa/yakawandisa pamwedzi, (zvinobva pazvinhu zvakaita semari yakawandisa/yakawandisa pamwedzi kubvisa mari yemwedzi wega wega) uye zvimwe zvinhu zvakaita semari yemumwe wako, midziyo, zvikwereti, kugadzikana kwemari, nezvimwe. Chinonyanya kunetsa nebhanga ndechekuona kuti iwe unobhadhara chikwereti chacho zvakanaka nenguva uye kuona kushandiswa kwayo kwekupedzisira. Iyo yakakwirira mari inowanikwa pamwedzi, inokwira iyo mari iyo chikwereti chichave chakakodzera. Kazhinji, bhangi rinofungidzira kuti inenge 55-60% yemari yako yepamwedzi inoraswa / yakawedzera inowanikwa kuti ubhadhare chikwereti. Nekudaro, mamwe mabhanga anoverengera mari inoraswa yemubhadharo weEMI zvichienderana nemari yakawandisa yemunhu uye kwete mari yavo inoraswa.
Muripo wekugadzirisa
Kana iwe uchitova nechikwereti nemari yako yekubhadhara imba, unogona kuita chimwe chinhu kuti urege kuwira kumashure pakubhadhara uye kubhadhara chikwereti. Ona Maitiro ekuita nechikwereti chemondgage.
Kana uri kunetseka zvakanyanya kubhadhara chikwereti chako, semuenzaniso, kana watanga kugamuchira matsamba kubva kune wako wemukweretesi wemba achityisidzira kuita zvemutemo, unofanirwa kutsvaga rubatsiro kubva kune nyanzvi yechikwereti chipangamazano.
Iwe unogona kukwanisa kuwana dhiri inodhura yemortgage nemumwe mukweretesi wemortgage. Iwe unogona kubhadhara mari yekushandura vakweretesi vemortgage, uye iwe uchazofanira kubhadhara mari yaunokwereta kune wekutanga mukweretesi kana iwe wakasarira kumashure pakubhadhara kwako.
Iwe unogona kukwanisa kudzikisa mamwe madhiri nekuchinja kune yakachipa mortgage, kuvaka kana zvemukati kuchengetedza inishuwarenzi. Unogona kuwana ruzivo rwekuti ungachinja sei mupi weinishuwarenzi yako paMoney Advice Service webhusaiti: www.moneyadviceservice.org.uk.
Unogona kubvunza mukweretesi wako kana vakabvuma kudzikisa mari yako yemwedzi nemwedzi, kazhinji kwenguva shoma. Izvi zvinogona kukubatsira kuti utore chikamu chakaoma uye kuti usaunganidze chikwereti. Kana chikwereti chatowanda, uchafanirwa kutsvaga nzira yekuchibhadhara.
Mortgage settlement 中文
Vazhinji vanokweretesa vanodzikamisa huwandu hwekubhadhara kare kunobvumidzwa pagore. Kazhinji, mari yekubhadhara kare haigoni kutakurwa kubva kune rimwe gore kuenda kune rimwe. Izvi zvinoreva kuti, kazhinji, haugone kuwedzera kune gore razvino mari yausina kushandisa mumakore apfuura.
Kuti chirango chekubhadhara kare chinoverengerwa sei chinosiyana kubva kune mukweretesi kuenda kune mukweretesi. Federally regulated masangano emari, akadai semabhangi, ane prepayment chirango Calculator pane yavo webhusaiti. Unogona kushanyira webhusaiti yebhangi rako kuti uwane fungidziro yemutengo wako.
Iko kuverenga kweIRD kunogona kuenderana nehuwandu hwemari yekontrakiti yako yekukwereta. Vanokweretesa vanoshambadza mitero yemitengo yematemu embavha anowanikwa kwavari. Aya ndiwo anonzi ma published interest rates. Paunosaina kondirakiti yako yekukwereta, mubereko wako unogona kunge wakakwira kana kuderera pane izvo zvinoburitswa. Kana mubereko wakadzikira, unonzi mwero wakaderedzwa.
Kuti uverenge IRD, mukweretesi wako anowanzo shandisa mibairo miviri. Ivo vanoverengera kuwanda kwemhindu yawakasiya kubhadhara mutemu yako yazvino yemhando mbiri. Musiyano uripo pakati pezvitsama izvi iIRD.
Mortgage kuvhara
Kana iwe uine chikwereti chemondi, mukweretesi wako anoda kuti iwe uchibhadhara. Kana ukasadaro, mukweretesi achatora matanho emutemo. Izvi zvinodaidzwa kuti chiito chekutora uye zvinogona kukonzera kuti urasikirwe nemba yako.
Kana iwe uchizodzingwa, unogonawo kuudza mukweretesi wako kuti uri munhu ane njodzi. Kana vakabvuma kuramba vachidzingwa, unofanirwa kuzivisa dare uye bailiffs nekukasira: yavo yekuonana ichave pachiziviso chekudzingwa. Vacharonga imwe nguva yekukudzinga: vanofanirwa kukupa chimwe chiziviso chemazuva manomwe.
Iwe unogona kukakavara kuti mukweretesi wako aita zvisizvo kana zvisina musoro, kana kuti haana kutevedzera nzira dzakafanira. Izvi zvinogona kubatsira kuti danho redare rinonotswe kana kunyengetedza mutongi kuti akupe mutongo wekutora zvinhu zvambomiswa pane kutaurirana nemukweretesi wako izvo zvingazoita kuti udzingwe pamba pako.
Mukweretesi wako haafanire kukutorera matanho emutemo asina kutevedzera Mortgage Codes of Conduct (MCOB) akaiswa neFinancial Conduct Authority (FCA). Mitemo yacho inoti mukweretesi wako wembavha anofanira kukubata zvakanaka uye nekukupa mukana wakakwana wekubhadhara zvikwereti, kana uchikwanisa. Iwe unofanirwa kufunga nezve chero chikumbiro chine musoro chaunoita chekuchinja nguva kana nzira yekubhadhara. Mukweretesi wemondgage anofanira kungotora danho repamutemo senzira yekupedzisira kana kumwe kuedza kuunganidza zvikwereti kwatadza kubudirira.
