Ko ane makore 60 okuberekwa angawana here 30-year remort?
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.
Ndingawana here imba yemba pazera re47?
Ehe, kune zvikwereti zvinowanikwa kune vatengi vanopfuura makore makumi matanhatu ezera. Pane zvakawanda zvakasiyana sarudzo, asi kubudirira kunoenderana nekuti ndevapi vanokweretesa vanoda kukupa chikwereti zvichienderana nemamiriro ako pachako uye maitiro. Mortgage Advice Bureau's mortgage nyanzvi dzinotsvaga pamusoro pevakweretesi makumi mapfumbamwe kuti vakupe iwe zano uye chigadzirwa.
Kana iwe uchida kukwereta mari kuti udzorere zvizere, une sarudzo yekutora chikwereti chemari, uye vazhinji vanokweretesa vanoda kukweretesa kunyange iwe watove pamudyandigere. Dzimwe sarudzo dzinogona kuwanikwa kwauri zvikwereti zvehupenyu, izvo zvinokutendera kuti utore chikwereti uye wowedzera imwe kana yese yemubereko kune wemba yemba.
Vazhinji vanokweretesa vane zera ravo rezera rechikwereti. Nhungamiro yekufungidzira yekutora imba yemba ndeyezera repamusoro remakore makumi matanhatu nemashanu kusvika makumi masere, uye zera rekupera kwembavha ringave pakati pemakore makumi manomwe nemakumi masere nemashanu.
Unogona kukwira kusvika kumakore makumi maviri nemashanu pa25+ yemba yemba, asi izvi zvinoenderana nevakweretesi uye nemaitiro avo ekukwanisa kutenga, pamwe nechikwereti chako. Zvekare, chipangamazano wemortgage anozokwanisa kukuraira nezve sarudzo dzinoenderana nemamiriro ako.
Mortgage nyanzvi yeanopfuura makumi matanhatu
Kana uchinge wasvitsa makumi mashanu, sarudzo dzemortgage dzinotanga kuchinja. Izvi hazvirevi kuti hazvibviri kutenga imba kana uri pazera rekurega basa, asi ipfungwa yakanaka kuziva kuti makore angakanganisa sei chikumbiro chako chechikwereti.
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.
Unogona here kuwana rendi nepenjeni muUK?
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.
