Age kugadzikwa kwemortgages yemakore makumi matatu nemashanu
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 uye kutora mudyandigere wavo, MMR 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.
Avhareji yemortgage yevane makore makumi mashanu
Kana uchinge wasvitsa makumi mashanu, sarudzo dzemortgage dzinotanga kuchinja. Izvi hazvirevi kuti hazvibviri kuva neimba kana uri pazera rekurega basa, asi zvakakosha kuziva kuti makore angakanganisa sei kukweretesa.
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.
Makore mangani ndingawana rendi?
Sezvo avhareji yezera rekutanga vatengi vanokwira, vazhinji vanonyorera vemortgage vane hanya nezera remiganhu. Kunyange zvazvo zera ringave chinhu chinofanira kurangarirwa pakukumbira chibatiso, hachisi chipinganidzo chose pakutenga imba. Pane kudaro, vanonyorera vane makore anopfuura makumi mana vanofanirwa kuziva kuti hurefu hwembavha yavo ichaverengerwa uye kuti mubhadharo wepamwedzi unogona kuwedzera.
Kuve wekutanga mutengi anopfuura makumi mana haifanire kuve dambudziko. Vazhinji vanokweretesa vanofunga nezvezera rako pakupera kwenguva yekukwereta, kwete pakutanga. Izvi zvinodaro nekuti zvikwereti zvinopihwa zvakanyanya zvichienderana nemari yaunowana, iyo inowanzoenderana nemuhoro. Kana iwe ukaenda pamudyandigere uchibhadhara chikwereti, unozofanira kuratidza kuti mari yako yepashure-yemudyandigere yakakwana kuti urambe uchibhadhara imba.
Nekuda kweizvozvo, nguva yako yekukwereta ingangove ipfupi, iine huwandu hwemakore makumi manomwe kusvika makumi masere nemashanu. Nekudaro, kana iwe usingakwanise kuratidza kuti mari yako yepashure-yemudyandigere ichavhara mari yako yekubhadhara imba, chikwereti chako chemba chinogona kudzikiswa kusvika pazera rekurega basa.
Ndingawana here 30-year mortgage pazera re40?
Vazhinji vane makore 50 okukura vanoshamisika kana kunonoka kutenga imba. Makore apfuura, mhinduro yaizova hungu. Nekudaro, 74% yevaAmerican vanoronga kushanda yapfuura zera remudyandigere, zvichireva kuti vachange vaine makore emari yekuisa kuchikwereti. Dzimwe pfungwa dzinofanirwa kuverengerwa kune avo vanofarira kuita kusvetukira kumusha mutsva.
Hazvisi nguva dzose kuchenjera kutenga imba huru yaunogona kutenga, kunyanya kana vana vako vakatama kana kuronga nokukurumidza. Dzimba hombe hadzingodhure kupisa nekutonhodza chete, dzinogonawo kushanda nesimba kushongedza nekuchenesa makamuri mazhinji. Kune rumwe rutivi, imba huru ichakubvumira kuti ugare vazukuru pakushanya kwavo kwousiku hwose.
Kune avo vanotenga imba mune yavo 20s uye 30s, 30-gore remba ndiyo inonyanya kuoneka mari sarudzo, muchidimbu nokuti vanhu zera kazhinji havana mari kuti vaite mubhadharo mukuru chokuita zvikwereti. Asi vane makore makumi mashanu ekuberekwa vanogona kusarudza kukwereta makore gumi nemashanu, kuve nechokwadi chekuti vanokwanisa kubhadhara chikwereti vachiri kushanda.
