Ndinogona here kushandura mukweretesi panguva yekunyorera?
Remortgaging chikamu chekutora mbavha uye ndicho chinhu chinoita vanhu vazhinji kana mubereko wavo wavakatarwa wapera. Kunyange zvazvo zvinhu zviri kuchinja zvishoma nekuunzwa kwenguva refu, zvikwereti zvekubhadhara zvikwereti, varidzi vemba vakawanda vanogona kutarisira kubhadhara pane imwe nguva. Asi kangani iwe unogona kudzorera uye kangani iwe unofanirwa kuzviita? Pano tinopindura mibvunzo inowanzo bvunzwa nezvekuti kangani iwe unogona kudzorera.
Mhinduro iri nyore: kakawanda sezvaunoda. Iko hakuna mutemo wakaoma uye unokurumidza unoti unogona kungodzorera nhamba shoma yenguva, asi hazvireve kuti unofanirwa kuzviita mukana wese waunowana. Izvi zvinodaro nekuti kudzorera kunogona kudhura kana ukazviita panguva yakatarwa, sezvo uchizofanira kubhadhara Early Redemption Commission (ERC). Hazvirevi kuti remortgaging haina kukurumbira. Muna 2019, huwandu hwevanhu vakasarudza kudzosera imba yavo hwakawedzera ne20%. Kunyangwe uchifanira kushandura chikwereti chako chemba nekuti chiyero chakatarwa chave kupera, tsvaga dhiri iri nani, kana kuti uchida kuenzana, kubhadhara chikwereti kunogona kuve danho rekuchenjera kune varidzi vedzimba vazhinji. Avhareji yembavha inotora makore makumi maviri nemashanu, uye mazhinji acho ane mareti akatarwa maviri. , makore mashanu negumi. Kana tikaenda neyakajairwa yemakore mashanu-yakagadziriswa chiyero chechikwereti chine nguva yemakore makumi maviri nemashanu, vanogona kutarisirwa kudzosa avhareji yekashanu panguva iyoyo.
Unogona here kushandura vakweretesi vemortgage mushure mekupa chipo?
Tarisa mavhidhiyo edu anobatsira kuti udzidze zvekuita kana shanduko yemhando yatanga. Kana iwe uchinyorera yako wemba yemba, tarisa yedu Mortgage Rate Shandura vhidhiyo. Kana, kana iwe uine remba remba kana uchienderera mberi nekunyorera, tarisa yechipiri 'Joint Application' vhidhiyo.
Izvi zvinoreva kuti kana ukasachinja, unogona kubhadhara mari yako yembavha. Izvi zvinodaro nekuti mubereko wako uchachinja uye mari yako yepamwedzi inogona kukwira kana kudzika, zvichienderana neshanduko ipi neipi mukusiyana kwechiyero.
Kana uine mubereko wakatemerwa uye ukafunga kutanga mwero mutsva nguva yakatarwa isati yapera, ungango pinza Mari yeKudzorera Kwekutanga (ERC). Bvunza gwaro rako rekupa remba uye shanyira chikamu chekutanga mari yeamortization kuti uwane rumwe ruzivo.
Chero zvirongwa zvako zveramangwana, tiripo kuti tikubatsire. Kana uri kufunga nezve kufambisa dzimba uye uchida kutora mukana wenguva yasara yekondirakiti yako yazvino, kukwereta mari yakawanda kana kushandura nguva yemba yako yemba, tinoda kukubatsira kuisa zvirongwa zvako mukufamba. Tifonere pa0800 169 6333.
Shandura mukweretesi paunenge uchibhadhara mari
Vanokwereta vanodzivirirwa nemitemo yekudzivirira yevatengi, iyo inovatendera kuti vabvise chero chikwereti chisati chapihwa. Nekudaro, kana chikwereti chapihwa, havazongokwanisa kuendesa imba kune mumwe mukweretesi.
Kune avo vari pamatanho akasiyana-siyana ekutenga imba, mubvunzo unonyanya kukosha ungave wekuti, “Ndinogona here kuchinja vanokweretesa ndisati ndavhara kana panguva yekunyora? Zvichitaurwa zviri nyore, vangangove vanozotenga imba vakasununguka kushandura vanokweretesa imba chero nguva mukutenga imba, sevhisi isati yatanga. Kamwe chete sevhisi yemondi kana kubhadhara kwatanga, nzira chete yekuchinja vanokweretesa yemortgage ndeyekugadzirisazve chikwereti.
Kazhinji, chikonzero chekuchinja ndechekuti mitengo yemubereko yachinja uye mukwereti anoda kugamuchira mwero wakaderera pane wepakutanga wakapihwa mukweretesi. Asi tisati taenderera mberi nemhindu yakaderera yembavha, zvinokosha kuva nechokwadi chokuti mari yose yechikwereti inoratidzwa muAPR iri kurangarirwa. Nekuongorora zvese zvinodhura, unozogona kuona kana iwe uchizonyatso chengetedza mari pane yako nyowani yemba.
Unogona here kuregedza nekukurumidza nemukweretesi mumwe chete?
Yedu yemortgage inopa inoshanda kwemwedzi mitanhatu. Kana munyoreri wekutanga agamuchira kupihwa, vane mavhiki maviri ekuti munhu wechipiri apedze hurongwa zvakare. Kana mapato ese maviri akasasaina gwaro mukati menguva ino, kupihwa kunofanirwa kuburitswa. Kuti ubudise zvakare gwaro rekupa, shandisa chikumbiro chako.
Yedu yemortgage inopa inoshanda kwemwedzi mitanhatu. Kana chikumbiro chekutanga chabvuma kupihwa, une masvondo maviri ekuti wechipiri apedzewo maitiro. Kana mapato ese ari maviri akasabvuma kupihwa, ichafanirwa kuburitswa zvakare. Ndokumbira upinde mubhangi yepamhepo kuti ugamuchire kupihwa.
Kana iwe uri padyo neiyo yakaderera LTV mwero, pane mukana waunogona kubhadhara kuti utore mukana weiyo yakaderera LTV mitengo inopihwa. Unotenderwa kuita overpayment pane yako mortgage. Imwe neimwe account yemortgage ine mari yekubhadhara yekutanga ichave neyayo Yepagore Overpayment Allowance. Tine peji rakatsaurirwa kupindura mibvunzo yako yese.
Nhamba yeakaundi yako yembavha uye kodhi yemhando inowanzonyorwa pamwe chete uye inonzi nhamba yeakaundi yemongi. Unogona kuzviwana pane yako yemortgage statement kana kupa. Iwe unogona zvakare kuvaona nekuwana online banking uye kutarisa pasi pe "Maakaundi angu".
