Kubviswa kwemubereko wemortgage 2022
Tarira: Zvinodiwa zviri pamusoro hazvishande kuHomeReady Loans uye High LTV Refinance Zvikwereti. Kuti uwane rumwe ruzivo, ona B5-6-01, HomeReady Mortgage Chikwereti uye Kukodzera Kukwereta kana B5-7-01, Yakakwira LTV Refinance Chikwereti uye Kukodzera Mukwereti zvinoenderana.
Sezvambotaurwa pamusoro apa, mukwereti anogona kugamuchira mari shoma kumashure mune shoma refinance transaction. Mukweretesi anogona zvakare kudzosera mukwereti kuti awedzere kubhadhara muripo uye muripo nekuda kwemitemo yemubatanidzwa kana yenyika kana mirau. Aya madzosero haana kuisirwa muhuwandu hwemari yekudzoserwa mari, chero bedzi
Kutora kutengeserana semari shoma yekudzorerazve mari, mukweretesi anofanira kunyora kuti mari yese kubva kune iripo pasi pechibatiso yakashandiswa kupa mari chikamu chemutengo wekutenga wenzvimbo yenyaya kana kubhadhara mari inobvumidzwa ine chekuita nesimba. Simbiso yakanyorwa inofanira kuchengetwa pafaira rechikwereti.
Kana imwe itsva yakaderera mari refinancing transaction isingagutse iripo subordinated liens, dzinofanirwa kuve dzakanyatsoiswa pasi kune itsva refinancing mortgage. Iyo refinancing mortgage inofanirwa kusangana neFannie Mae yekukodzera maitiro ekutora mbanje zvichienderana neiyo pasi pemari.
Kubva padanho ripi remari inobviswa yemortgage interest yakarasika?
Kana ukawana mamwe mabhenefiti uye uchinetseka kubhadhara imba yako yemba, unogona kuwana rubatsiro kubva kuhurumende kuti ubhadhare chimbadzo pachikwereti chako. Rubatsiro urwu rwunodaidzwa kuti Mortgage Interest Aid (SMI).
Sezvo rubatsiro rwawakagamuchira rwava chikwereti, uchachajwa mhindu. Kana ukatora nguva yakareba uchigamuchira rubatsiro, ndipo pauchabhadhariswa mhindu yakawanda. Zvido izvi zvinoverengerwa zuva nezuva uye zvinogona kusiyana. Nekudaro, haugone kuchinja kanopfuura kaviri pagore.
Kana imba inotengeswa, kana pasina mari yakakwana yasara mushure mekubhadhara chikwereti chekubhadhara chikwereti cheSMI, mari yakasara ichadzimwa. Uye iyo DWP ichafunga kuti chikwereti chave chabhadharwa zvizere.
Kana uchinetseka kubhadhara chikwereti chako, taura nemukweretesi wako kuti uwane rubatsiro rwavanogona kukupa. Izvi zvinogona kusanganisira mubhadharo mupfupi "zororo" kana kuregedzerwa kukubatsira kuti upfuure nedambudziko renguva pfupi kana nguva yakawedzerwa pachikwereti chako.
Kana uri kutarisana nemitengo yakakwira yekurarama, asi uine mari shoma kana isina yakawedzerwa, dzidza nezve mamwe masosi emari uye nerubatsiro rwuripo rwekukubatsira kubata mabhiri epamba uye kuchengetedza mari mugwaro redu reKurarama paMuhoro Wakaderera.
Muenzaniso wekubvisa chikwereti chemortgage
Tarisa zvibvumirano zvako zvechikwereti kuti uone kana "zvisina kuchengetedzwa" kana "kuchengetedzwa" pamba pako. Kana dzikachengetedzwa, unofanira kuzvitora sezvikwereti zvekutanga nekuti vanokweretesa vanogona kumhan’arira dare kuti imba yako ive yako kana ukasabhadhara.
Vazhinji vanokweretesa vanodzorwa neFinancial Conduct Authority (FCA). Kubvumbi 1, 2013 isati yasvika, FCA yaizivikanwa seFinancial Services Authority (FSA). Mitemo yeFCA inotaura kuti mukweretesi anofanira "kubata zvakanaka kune chero mutengi anenge asingakwanisi." Mitemo yeFCA iri muMortgages uye Mari Yepamba: Maitiro eBusiness sourcebook (MCOB). Miyero iyi yakanyorwa gare gare mugwaro rino rechokwadi.
Kana wakambosangana nekurambana kwehukama, ungangoda mamwe mazano. Kuita nemukweretesi wako uye kunyorera mabhenefiti dzimwe nguva kunogona kuve kwakaoma mushure mekurambana kwehukama. Semuenzaniso, kana mumwe wako akanyorwa pachikwereti, mukweretesi angadawo ruzivo pamusoro pake asati abvumirana nehurongwa hutsva hwekubhadhara. Bata Shelter kana isu kuti uwane mazano. Wona Mazita Anobatsira pakupera kwepepa rino.
Mortgage Interest Deduction Calculator
Isu tiri yakazvimirira, ad-inotsigirwa kuenzanisa sevhisi. Chinangwa chedu ndechekukubatsira kuita sarudzo dzemari dzakangwara nekupa maturusi ekudyidzana uye macalculator emari, kuburitsa zvepakutanga uye zvisina tsarukano, uye kubvumidza iwe kuti uite tsvagiridzo uye kuenzanisa ruzivo rwemahara, kuti iwe ugone kuita sarudzo dzemari nechivimbo.
Izvo zvinopihwa zvinoonekwa pane ino saiti zvinobva kumakambani anotiripa. Muripo uyu unogona kukanganisa kuti zvigadzirwa zvinoonekwa sei uye kupi pane ino saiti, kusanganisira, semuenzaniso, kurongeka kwazvinogona kuoneka mukati mezvikamu zverondedzero. Asi muripo uyu haukonzeri ruzivo rwatinoburitsa, kana wongororo yaunoona pane ino saiti. Isu hatisanganisire zvakasikwa zvemakambani kana zvipo zvemari zvinogona kuwanikwa kwauri.
Isu tiri yakazvimiririra, inotsigirwa nekushambadzira sevhisi yekuenzanisa. Chinangwa chedu ndechekukubatsira kuita sarudzo dzemari dzine hungwaru nekupa maturusi ekudyidzana uye macalculator emari, kuburitsa zvepakutanga uye zvine chinangwa, uye nekukubvumidza iwe kuita tsvagiridzo uye kuenzanisa ruzivo rwemahara, kuti iwe ugone kuita sarudzo dzemari nechivimbo.
