Muripo weimba unowanikwa painotengeswa here?
Kana iwe usingakwanisi kuwana imwe nzira yekubhadhara chikwereti chako chekubhadhara chikwereti, ungada kufunga nezvekutengesa pfuma yako. Nenzira iyi, iwe uchawana mari yaunogona kushandisa kubhadhara yako yemba. Kana uine zvasara zvakakwana, unogona kuzvishandisa kubhadhara zvimwe zvikwereti.
Izvi zvinodaro nekuti iwe ucharamba uine mhosva yekubhadhara imba, inishuwarenzi yekuvaka, uye zvimwe zvinodhura kudzamara chivakwa chatengeswa. Kana iyo pfuma yatengeswa, mukweretesi angangowana zvishoma pane iyo kupfuura iwe. Zvivakwa zvine muridzi akadzingwa (zvinonzi repossessions) kana makiyi akadzoserwa kumukweretesi anowanzo tengeswa nemari shoma. Izvi zvinogona kureva kuti kutengesa kwacho kwaisazounza mari yakakwana yekubhadhara zvaunenge wakwereta uye unenge uchine chikwereti chekubhadhara. Uyewo, vanokweretesa vanowanzotengesa kumaokisheni, uko mitengo yekutengesa inowanzova yakaderera.
Kana iwe uri kutotora kana kufunga kuti ungangoda kutora mabhenefiti, unofanirwa kutsvaga zano usati watengesa chivako chako kuti ubhadhare chikwereti chako chemba. Unogona kubvunza Citizen Service Office yako kuti uwane mazano. Kuti uwane ruzivo rweCAC iri pedyo, kusanganisira iyo inogona kuraira neemail, tinya paCAC iri padyo.
Imba inotengeswa kukosha karukureta
Vazhinji vedu tinotora mbaremba kuti titenge dzimba dzedu, muzviitiko zvakawanda iyo yakanaka kwazvo. Hazvishamisi kusaina 20 kana 25 yegore remba. Asi chii chinoitika kana iwe uchida kutama uye iwe uchine chikwereti pamusoro wako? Uye chii chinoitika kune remba kana imba inotengeswa? Zviri nyore kutanga kuenda kuburikidza nemapepa uye kunzwa wakavigwa maererano nemamiriro ezvinhu. Asi tora mweya wekufema: kufamba nechikwereti chinhu chakajairika. Uye pamwe zviri nyore kupfuura zvaunofunga.
Kana iwe uchida kutengesa imba yako nechikwereti kuUK, une zvakawanda zvaungasarudza: kazhinji chinjisa chibatiso chako kune imwe imba itsva (inonzi 'porting' in mortgage parlance), remortgage kana kubhadhara nekukurumidza. Tinokutsanangurira zvose. Chii chinoitika kune chikwereti changu chemba kana ndikachitengesa? Iwe unogona kuibhadhara, kuifambisa, kana kuidzorera zvachose. Asi imwe neimwe mortgage inoshanda zvakasiyana. Chinhu chekutanga chaunofanirwa kuita kutarisa mamiriro emumba wako; Kana iyo jargon yakanyanya, usanetseka. Taura zvakananga nemukweretesi wako kuti ubatsirwe nechero mibvunzo.
Ko kambani yekukweretesa inogona kukumanikidza kutengesa imba yako?
YAMBIRO: Iyi mhando yekuenzanisa inongoshanda kumuenzaniso (mi) wakaratidzwa. Kana zviyero uye mazwi akasiyana, marudzi ekuenzanisa achave akasiyana. Mitengo, yakadai sekuzadzazve kana mari yekubhadhara nekukurumidza, uye kuchengetedza mari, sekuregeredza mubhadharo, hazvibatanidzwe muchiyero chekuenzanisa, asi zvinogona kukanganisa mutengo wechikwereti. Rudzi rwekuenzanisa rwakaratidzwa nderwechikwereti chakachengetedzwa ne $150.000 pamwedzi mukuru uye kubhadhara mubereko kwemakore makumi maviri nemashanu.
Nhamba dzekutanga dzemubhadharo wepamwedzi ndidzo fungidziro chete, zvichienderana nechiyero chakashambadzirwa, huwandu hwechikwereti uye nguva yakapinda. Mhando, makomisheni uye mari, uye nekudaro mutengo wakazara wechikwereti, unogona kusiyana zvichienderana nehuwandu, nguva uye nhoroondo yechikwereti. Kudzoserwa chaiko kunoenderana nemamiriro ako ega ega uye shanduko yemubereko.
Tinodada nematurusi neruzivo rwatinopa, uye kusiyana nemamwe mawebhusaiti ekuenzanisa, isu tinosanganisirawo sarudzo yekutsvaga zvigadzirwa zvese mudhatabhesi redu, zvisinei nekuti tine hukama hwebhizinesi nevashambadziri vezvigadzirwa izvozvo kana kwete. .
Chii chinoitika kana iwe ukatengesa imba yako nemari inodarika yawakabhadhara
Asi kana iwe uri expat uchigara muDubai, unogona kunge uchinetseka kuti mitemo yeko inoshanda sei kwauri. Hapana chinokumisa kubva pakutamisa dzimba, asi kana iwe usina pfuma yako iripo izvozvi, unogona kunge uchinetseka kana iwe uchigona kutengesa imba yako nechikwereti chakabatanidzwa.
Kunyangwe iwe uri mugari wekuzvarwa kana wekunze, unogona kutengesa chivakwa chakaiswa muDubai. Kana kutengeswa kwaitwa, iwe uchafanirwa kubhadhara yasara chikamu pamwe nechero mubereko kana mari yakabatana. Chero mari inosara mushure mechikwereti ichapinda muakaundi yako yekubhangi.
Izvo zvakakosha kuti uzive kuti haubvumidzwe kubva muUAE uine chikwereti. Kana iwe uchida kudzokera kuUK, unozofanira kumirira kuti chivakwa chako chitange chatengeswa kana Expat Mortgage inogona kushanda nemukweretesi wako kuronga mari yekubhadhara kana wadzokera kuBritain.
Iwe unogona zvakare kunyorera yeasiri mugari wemondi kana yekudyara mari kana iwe uchida kuongorora dzimwe sarudzo usati watengesa. Izvi zvinokutendera kuti uchengetedze chivakwa chako chero uchiramba uchibhadhara kubva kuUK kana kuva nerendi yekubhadhara rendi yekuvhara imba.
