Tenga imba kubva kuhomwe yemagora
Muna Chikunguru 2020, Hurumende yakazivisa kuti, sechikamu chekukurudzira, huwandu hwemutero hunogona kuwanikwa nevatengi vekutanga kana vachitenga kana kuzvivakira imba nyowani pasi pechirongwa chekubatsira.
Pasi pechirongwa ichi, mari yakawandisa yainge yawedzerwa kwenguva pfupi kubva ku20.000 kana 5% yekukosha kwemba kusvika ku30.000 kana 10% yemutengo wemba kusvika 31 Zvita 2020. Mubhajeti ra2021, kuwedzera uku kwaive yakawedzerwa kusvika Zvita 31, 2021.
Kune avo vari kutsvaga kukwira pa real estate ladder, iyi zororo rakakosha uye rinongowanikwa kwenguva diki. Nekuda kweizvi, tave nemibvunzo yakawanda pamusoro pekuti izvi zvese zvinoshanda sei, saka tasarudza mimwe yemibvunzo inowanzo bvunzwa tikaipindura pazasi kuti uzviratidze:
Chaizvoizvo, zita rinopa kure; Ichi chirongwa chehurumende chekudzorera mutero, icho chakadzikwa kubatsira vatengi kuwana dhipoziti pamba pavo. Pamusoro pezvo, inokurudzira vanogadzira kuvaka dzimba nyowani kuitira kuti chirongwa chirambe chichishanda.
Homwe yegora yakatenga imba yangu yemba
Mune mamwe mamiriro ezvinhu apo imba yako yakatorwazve, kana makiyi akadzoserwa kune wako wakakweretesa imba, unogona kuudzwa kuti uchine chikwereti chemari. Izvi zvinoitika kana mari iri kutengeswa imba yako isina kukwana kubhadhara mari yasara yemba uye chero zvikwereti zvakachengetedzwa.
Pane mitemo pamusoro pekuti mukweretesi anofanira kukubata nekukurumidza sei mushure mekutengesa imba kana iwe uchida kugadzirisa kuperevedza. Ndokumbira utarise kune zvikamu zviviri zviri pazasi UK Financial Policy uye Financial Conduct Authority Mitemo.
Iyo FCA's Mortgages uye Home Finance: Maitiro eBusiness sourcebook (MCOB) inoti mukweretesi anofanira kubata zvakaringana chero mutengi ane chikwereti chisingakwanisi. Mukweretesi haasungirwe kuti adzore chikwereti chakashata, asi kana chakadaro, chinofanira kukuudza nekunyora mukati memakore mashanu kubva pazuva rakatengeswa imba yako. Kana ukasadaro, unogona kuita chichemo kuFinancial Ombudsman Service (FOS). Wona Mazita Anobatsira gare gare mupepa rino.
Gwaro reMari reUK rave chikamu chemitemo yeFCA yeFCA. Kana nzvimbo yako yakatorwa uye ikatengeswa makore anopfuura mashanu apfuura, uye usati wafonerwa nemukweretesi wako kuti udzore chikwereti chausina kukwereta, haufanirwe kunzi ubhadhare chero chikanganiso.
Mari yegora inobhadhara marii pazvikwereti?
Iwe unogona kunge usina kodzero yezvivakwa semuroja, asi une kodzero dzekuroja. Izvi zvinowanzo tsanangurwa pamatunhu nematunhu, asi izvo zvakakosha zvinosanganisira kudiwa kwechiziviso usati wadzingwa, kodzero yako yebhondi, uye kodzero yako yekugara.
Kodzero yekunakidzwa inokutendera iwe kuita chero chaunoda iwe uri panzvimbo yako (zvakare, chero zvisingapesani nemutemo). Iwe unogona kuita mapati, kupisa kwezuva, kuita gadheni rako: inzvimbo yako kuti unakirwe nayo.
Kodzero dzezvivakwa dzakakosha nekuti dzinopa kunzwisiswa kwakajeka kwevaridzi vevhu uye inobatsira mukusimudzira hupfumi. Semuridzi wemba, unogona kuchengetedza pfuma yako munzira dzakawanda. Unogona kuzviita:
Kuwanda kwepfuma yauinayo, ndiko kunonyanya kuoma kuchengetedza kodzero yako yemidziyo, sezvo ungasakwanisa kudzora maeka ese epfuma yako nguva dzese. Nekudaro, kana iwe uchigara pasuru mune chikamu chidiki, ungasafanirwa kuita zvakawanda kuchengetedza pfuma yako. Chikamu chako chinogona kunge chine chengetedzo yakavakirwa mukati.
Start mortgages ihomwe yemagora
Hurumende yakatara mari yechikwereti ichi pa2,5% pagore uye nguva yekubhadhara makore matanhatu. Mumwedzi gumi nemiviri yekutanga hapana chaunobhadhara. Makambani anoramba aine mhosva ye12% yekubhadhara kwemari yese yechikwereti, pamwe nemubereko, mushure megore rekutanga.
Iyo Scheme yakavhurika kune mazhinji mabhizinesi, zvisinei nehukuru hwebhizinesi, anozadzisa maitiro ekukodzera uye akagadzwa musi waKurume 1, 2020 [1] asati asvika. Vanokwereta vanofanira kuzivisa, pakati pezvimwe zvinhu, kuti:
Kune mamwe makambani, anozvidaidza ega se "kambani iri mukutambudzika" kubva muna Zvita 31, 2019, panogona kuve nezvirambidzo pahuwandu hwemari yavanotenderwa kukwereta uye zvavanogona kuita nechikwereti[2].
Mabhizinesi akambokwereta zvishoma pane yakawandisa mari inowanikwa pasi pechirongwa anogona kusarudza kuwedzera chikwereti chavo chepakutanga. Makambani anofanira kuzadza fomu rekunyorera rakasiyana, richisimbisa zvirevo zvakaitwa mufomu rekutanga rekunyorera. Makambani anogona chete kuendesa chikumbiro chechaji chimwe chete.
