Anopfuura makore makumi mashanu uye kutenga imba yekutanga muUK
Vanoda imba yavo yeCardiff, mavakagara kwemakore gumi nemashanu, asi vakawana zvakaoma kubhadhara pakasvika nguva yekuigadzirisa makore 15 apfuura. Vaifunga kuti chavaigona kuita kwaiva kuderedza imba yacho.
“Kambani yezvikwereti yatakashanda nayo pakutanga yakanga isina hanya zvikuru nemamiriro edu ezvinhu uye yakatiudza kuti taisagona kukwereta. Asi takanga tisingadi kutama. Imba yedu iri pedyo nepaki uye tinogona kufamba kuenda kuguta mumaminetsi makumi maviri. Takanga tisingadi kunetseka uye mutengo wekufamba uye kuderedza. Taiva nechikwereti chakati kurei chataida kuderedza, asi hapana akatifarira nekuti takanga tave nemakore makumi matanhatu,” anodaro Fowler.
Ndinogona here kuwana rendi pamakore makumi mashanu ndisina dhipoziti?
Kana iwe wapfuura makumi mashanu, unogona kufunga kuti mikana yako yekuwana imba yemba idiki, asi kune zviuru zvezvigadzirwa zvemombi muUK zvakavhurirwa vanokwereta vanopfuura makumi mashanu. Kana kuti zvimwe hauna kumbotenga imba uye iwe uri mumwe wevakawanda vanopfuura makumi mashanu vanotenga kekutanga ... Kuwana chikwereti chevanopfuura 50s kwakajairika kupfuura zvaunofunga, asi usati wasaina chibvumirano unogona Kuderedza mari yako yeramangwana. , yera zvaungasarudza, tsvaga dhiri inodhura zvakanyanya, uye ita kuti dhiri yako iongororwe nenyanzvi yaunovimba.Neizvi mupfungwa, gwaro iri rakagadzirwa kuti ripe kujeka uye rinosanganisira ruzivo rwaunoda kuti uite sarudzo uchiziva nezvekutora imba yemba. kune vanhu vanopfuura makore makumi mashanu.
Kunyangwe iwe uchida yakajairika amortization mortgage, mubereko-chete dhiri, kana kuti uchida kuwana equity mumba mako, panogona kuve nemhinduro yekukubatsira iwe kuwana mari yaunoda. uye mari inogoneka. Kuti mari unoifarira sei zviri kwauri.
Mortgage nyanzvi yeanopfuura makumi matanhatu
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.
Ndingawana here imba yemba ndine makore makumi mashanu muUK?
Sezvo iwe uchiswedera pedyo nekurega basa, kuwana chikwereti kunogona kuoma, sezvo vazhinji vanokweretesa vane zera repamusoro, zvichireva kuti kupera kwemashoko ako ekukweretesa kunogona kusapfuura izvi. Affordability standards anogona kuzonetsa. Pano tinotsanangura mawaniro emumba mutsva, ungave uchida kushandura dzimba kana kudzorera imba yako yazvino. A 25-year mortgage pazera 50 inogona kunge isiri sarudzo.
Mhinduro pfupi ndeyokuti hongu, unogona kuwana chikwereti kubva pazera remakore makumi mashanu. Asi zvinoenderana nevanokweretesa vanoda kukupa chikwereti. Iyo Mortgage Advice Bureau nyanzvi yemortgage vapangamazano vanozoongorora zvikwereti kubva kune makumi mapfumbamwe evakweretesi vakasiyana kuti vakupe iwe zano rakakodzera.
Kana iwe uchida kukwereta mari kuti uidzorere zvizere, une sarudzo yekutora yakajairika mortgage, sezvo vazhinji vanokweretesa vanoda kukweretesa kunyangwe iwe watove pamudyandigere. Iwe unogonawo kufunga nezve "mararamiro emararamiro," izvo zvinokubvumira kutora chikwereti uye kuwedzera zvimwe kana zvose zvekufarira kune chikwereti.
Vazhinji vanokweretesa vane zera ravo rezera rechikwereti. Nhungamiro yekufungidzira yekutora imba yemba ndeyezera repamusoro remakore makumi matanhatu neshanu kusvika makumi masere, uye zera rekupedzwa kwemumba ungave uri pakati pemakore makumi manomwe nemakumi masere nemashanu.
