Nzira yekutenga imba nemari shoma muUK
Kunyangwe iwe uri pamuhoro weanodzidzira basa, kushanda nguva-yenguva, kuwedzera mari yako nemabhenefiti, kana kuwana mari yefurlough, panogona kunge kuchine akati wandei sarudzo dzinokwanisika dzaungafunga.
MuUK, mubhadharo wakaderera unotsanangurwa sezvikamu zviviri muzvitatu zvemihoro yepakati paawa. Semuyenzaniso, mihoro yepakati paawa yevashandi vese muna 2020 yaive £13,68, saka vashandi vemihoro yakaderera ndevese vanotambira zvisingasviki zviviri muzvitatu zve£13,68, kana 9,12 .XNUMX lbs.
Muna Kubvumbi 2020, Iyo Low Pay Commission inofungidzira kuti vangangoita 7% yevashandi vekuUK vakapihwa muhoro wepasi kana pasi. Ndiwo mamirioni maviri evashandi vane mari yepasi, mumwe nemumwe wavo angave akakodzera kunyorera remba rekutenga imba. Dambudziko nderekuti vanhu vazhinji vanonzwa kusabatanidzwa pavaridzi vemba nekuda kwekukwira kwemitengo yezvivakwa, hombe dhipoziti inodiwa, kana mishoma mari yekuwana.
Kuve nemari yakaderera kunogona kuderedza kugona kwako kukwereta, asi kune vanokweretesa muUK vanozofunga nezvekunyorera kunyangwe mukwereti achitambira mari isingasviki £15.000 pagore. Kana iwe uine mari kubva:
Unogona here kuwana remba nemari shoma muUK?
The UK's Financial Conduct Authority (FCA) yakaisa muganhu wakakwana pahuwandu hwezvikwereti zvavanogona kupa: kanopfuura ka4,5 mari inowanikwa nemunhu. (Kana 4,5 nguva yakabatanidzwa mari pane yakasanganiswa application).
Semaonero avo, 'professional qualifications' ipfupi yedanho redzidzo rinopa mikana ine vimbiso yebudiriro yebasa uye mamwe mabasa kana mukwereti akarasikirwa nebasa rake.
Vamwe vanokweretesa vanoshambadzira yavo "professional mortgage" zvinopihwa. Asi kana iwe usina hunyanzvi hwekuita, bhuroka yakanyatso hukama seClifton Private Finance inogona kukuita iwe kuwana mareti akafanana.
Zvichitevera kugadziridzwa kukuru kweindasitiri yemortgage neFCA muna 2014, mabhanga nemasangano ekuvaka akange asisakwanise kutarisa huwandu hwaigona kubhadharwa nemukwereti (kusimbisa muhoro uye mamwe masosi emari).
Kunyangwe ne5% dhipoziti chirongwa, vazhinji kekutanga vatengi vanoona zvichinetsa kubhadhara kukosha kweavhareji pfuma yeUK nedhipoziti yavo uye mari yavanochengeta, nekuda kwekukwira kusingaenzaniswi kwemitengo yemba.
Mortgage isina mari asi zvinhu muUK
Vatengi venguva yekutanga vanogona kuderedzwa kubva pamusika nemutengo wepamusoro wevaridzi vemba. Mishumo inowanzoenderana nevanhu vanowana iyo National Living Wage. Ndeapi mikana iyo avo vanotambira mari shoma vanogona kuwana pekugara?
Nhasi, zvikwereti zvinoverengerwa zvichienderana nekukwanisa uye kwete nekungowedzera muhoro. Sekureva kwemishumo ichangoburwa, mutengi wemazuva ano kekutanga ane makore makumi matatu uye anoisa pasi 30% dhipoziti, ine avhareji yembandi ye£16, achikwereta 137.700 nguva yavo yekubatana kana yemunhu mari ye£3,59[40.704].
Sekureva kweKanzuru yeMortgage Lenders, avhareji yekutenga imba yekutanga anokwereta kanopfuura katatu muhoro wavo. Pahwaro uhwu, nemuhoro we£12.500 unogona kuwana remba repakati pe-£40.000 ne-£44.000 nokuda kwechikumbiro chimwe chete.
Kana iwe ukaita yekutsvaga pfuma yepamhepo, unowana dzimba mbiri nenhatu dzemakamuri ekurara kubva pa £20.000 kusvika pa£60.000. Mamwe anogona kunge achingotungamira mitengo nedzimba nekuda kweokisheni, asi pane zvakawanda pamusika wakavhurika uye mabhidhi akamirira.
Unogona here kuwana remba pamuhoro wako weawa muUK?
Tinogashira muripo kubva kune vamwe vatinoshanda navo vane zvavanopihwa papeji rino. Hatina kuongorora zvese zviripo kana zvinopihwa. Muripo unogona kupesvedzera marongero anoitwa zvinopihwa papeji, asi maonero edu ezvekunyora nemaratidzo haakonzerwi nemuripo.
Zvizhinji kana zvese zvigadzirwa zvinoratidzwa pano zvinobva kune vatinoshanda navo vanotibhadhara komisheni. Aya ndiwo maitiro atinoita mari. Asi kuvimbika kwedu kwekunyora kunovimbisa kuti maonero enyanzvi dzedu haashandiswe nemuripo. Mamiriro ezvinhu anogona kushanda kune zvinopihwa zvinoonekwa pane ino peji.
Kuwana chikwereti chemba kunoda mukwereti (iwe) kuti apindure mibvunzo yakawanda. Muzviitiko zvakawanda, kunze kwekutarisa nhoroondo yako yechikwereti, chikwereti chekwereti, uye chikwereti chazvino, mukweretesi wechikwereti achada kuziva kuti mari yaunowana yakawanda sei, yakagadzikana sei, uye yakabva kupi. Nekugadzirira iyi mibvunzo nguva isati yakwana, iwe unozopfuura nemuitiro wemba yemba uye wozopedzisira wasvika kumba kwako kutsva nekukurumidza.
