Mortgages munyika yose kune vanhu vanopfuura makore makumi manomwe
Sezvo iyo Mortgage Market Ongororo (MMR) yakaunzwa muna 2014, kunyorera remba kunogona kuomera vamwe: vanokweretesa vanofanirwa kuongorora kugona uye kurangarira zvinhu zvakati wandei, kusanganisira zera.
Chinangwa ndechekuona kuti vanhu vari kuenda pamudyandigere havana zvikwereti zvisingabhadhare pavari. Sezvo mihoro yevanhu ichidzikira kana vangomira kushanda votora penjeni yavo, Risk Management Regulations inokurudzira vanokweretesa nevanokwereta kuti vabhadhare zvikwereti izvi zvisati zvaitika. Nekudaro, izvi hazvigoneke nguva dzose kana zvinoshanda kumunhu wese, uye vamwe vanokweretesa vakawedzera izvi nekuisa miganho yezera rekubhadhara remba. Kazhinji, miganho yezera iyi i70 kana 75, zvichisiya vakwereta vakawanda vakura vaine sarudzo shoma.
Yechipiri mhedzisiro yeiyi miganho yezera ndeyekuti mazwi akapfupikiswa, ndiko kuti, anofanirwa kubhadharwa nekukurumidza. Uye izvi zvinoreva kuti mari dzepamwedzi dzakakwirira, izvo zvinogona kuita kuti dzisakwanise. Izvi zvakakonzera kupomerwa kwekusarura kwezera, zvisinei nezvinangwa zvakanaka zveRMM.
Muna Chivabvu 2018, Aldermore akatanga imba yemba yaunogona kuva nezera rinosvika makumi mapfumbamwe nemapfumbamwe #JusticeFor99yearoldmortgagepayers. Mwedzi mumwe chetewo, Sosaiti Yokuvaka Mhuri yakawedzera zera rayo guru pakupera kwetemu yacho kusvikira kumakore 100. Vamwe, kunyanya makambani ekukweretesa, vakabvisa zvachose zera repamusoro. Nekudaro, vamwe vanokweretesa mumigwagwa vakakwirira vachiri kusimbirira pazera remakumi manomwe kana makumi manomwe neshanu, asi iko zvino kwave kushanduka kune vakwereta vakura, sezvo Nyika yese neHalifax vakawedzera miganho yezera kusvika makumi masere.
Ndiani angave guarantor yerendi
Paunonyorera chikwereti (hypotheek) muNetherlands, uri pasi pemamiriro akafanana neaDutch. Iwe unofanirwa kushanda nekugara pano uye mukweretesi achada ruzivo nezve mari yako uye zvikwereti, kukosha kwenzvimbo, chibvumirano chako chebasa, chimiro chako chewanano nezvimwe.
Semunhu wekubuda kunze, ungangofanira kusangana nezvimwe zvinodiwa kuti uwane imba yemba muNetherlands. Kufanana nemumwe munhu, iwe unofanirwa kuve uine Citizen Service Number (BSN). Iwe uchaigamuchira kana iwe ukanyoresa mumanisiparati, semuenzaniso, pano muAmsterdam. Kana usiri mugari weEU/EEA (European Economic Area), zvinosungirwa kuwana mvumo yekugara (verblijfsvergunning). Waunoshandira anowanzo kukubatsira kuiwana.
Mamwe mabhanga kana vanokweretesa vanogona kunge vaine zvimwe zvinodiwa kune vanokwereta vari kunze kwenyika. Semuenzaniso, vangangoda kuti wakagara muNetherlands kweinenge mwedzi mitanhatu. Vanogona zvakare kuda kuti iwe uwane mari mumaeuro kana nyika yeEU. Panogona kunge paine zvimwe zvinodiwa kana uri mutsva munyika kana kukambani.
Unogona here kuwana rendi nepenjeni muUK?
Isu tinoratidza zvinopihwa zvatinogona kutevera, asi kwete zvese zvigadzirwa pamusika… zvakadaro. Kunze kwekunge tataura neimwe nzira, zvigadzirwa hazvisi mune chero kurongeka. Mazwi ekuti "zvakanakisa", "pamusoro", "yakachipa" (uye misiyano yavo) haisi zviyero, kunyangwe isu tinogara tichitsanangura kunaka kwechigadzirwa kana tikachiratidzira. Izvi zviri pasi pemitemo yedu yekushandisa. Paunenge uchiita sarudzo dzakakosha dzemari, funga nezvekuwana zano rezvemari rakazvimirira. Gara uchifunga nezvemamiriro ako ezvinhu kana uchienzanisa zvigadzirwa kuti uwane zvakakunakira.
Rachel Wait mutori wenhau anoshanda akazvimirira anga achinyora nezve zvemari yemunhu kweanopfuura makore gumi, achivhara zvese kubva kuinishuwarenzi kusvika kumarenji. Akanyorera mawebhusaiti akasiyana ezvemari uye mapepanhau enyika, uye anobika panguva yake yekuzorora.
Mortgages kune anopfuura 65s
Kana uchinge wasvitsa makumi mashanu, sarudzo dzemortgage dzinotanga kuchinja. Izvi hazvireve kuti hazvibviri kuwana imba kana uri pazera rekurega basa, asi zvakakosha kuziva kuti zera rinogona kukanganisa sei pakukumbira chikwereti.
Kunyangwe vazhinji vanopa zvikwereti vachiisa miganhu yezera, izvi zvinoenderana nekuti waunosvika kupi. Uyezve, kune vanokweretesa vanonyanya kugadzira zvigadzirwa zvemortgage, uye isu tiri pano kuti tikuratidze gwara chairo.
Gwaro iri rinotsanangura mabatiro ezera pazvikumbiro zvembavha, mashandisiro aunoita sarudzo nekufamba kwenguva, uye tarisiro yezvigadzirwa zvemudyandigere. Madhairekitori edu ekuburitswa kwemari uye zvikwereti zvehupenyu zviripo zvakare kune rumwe ruzivo rwakadzama.
Sezvaunokura, unotanga kuisa njodzi huru kune vakajairwa vanopa mari yembavha, saka zvinogona kunetsa kuwana chikwereti gare gare muhupenyu. Sei? Izvi zvinowanzoitika nekuda kwekudonha kwemari kana hutano hwako, uye kazhinji zvese zviri zviviri.
Mushure mekunge waenda pamudyandigere, hauchawana muhoro wenguva dzose kubva kubasa rako. Kunyangwe uine penjeni yekudzokera pairi, zvinogona kunetsa kune vanokweretesa kuti vazive chaizvo zvauchawana. Mari yako inogonawo kudzikira, izvo zvinogona kukanganisa kugona kwako kubhadhara.
