Yakawanda sei yandingakwereta kuUK?
Pane kuvhiringika kwakawanda neMutemo mutsva unodzora Real Estate Credit Contracts inozivikanwa se "mortgage law". Nechikonzero ichi, tinokupa 7 mibvunzo yakakosha yekufunga pamberi peiyi shanduko nyowani inobata mabhangi nevatengi.
Uyu mutemo mutsva watove uchishanda uchashanda kune zvibvumirano zvose zvakasayirwa mushure meJune 16, 2019. Kune vatengi vakasaina pane imwe nguva yapfuura, havazokwanisi kubatsirwa kubva kune zvakawanda zvezvinhu zvekufunga nezvazvo. Kunyange zvazvo vamwe, kana vari retroactive.
Zvichida ichi ndicho chiyero chinogutsa cheMutemo mutsva unodzora zvibvumirano zvechikwereti cheimba. Iko kushandiswa kwe embargo nebhangi kunonyanya kudiwa mushure mekushandiswa kweMutemo mutsva.
Bhangi rinozosungirwa kuita kuti kondirakiti iwanikwe kumutengi mazuva gumi isati yasaina. Izvi zvinodaro nekuti mutengi anofanira kunge aine nguva yakakwana yekuongorora basa akadzikama uye kugadzirisa chero kusahadzika kungamuka nebhangi.
Bhangi rinofanirwa kutarisa nhoroondo yechikwereti yemutengi neBhangi reSpain risati rapa remba. Izvi zvinoitirwa kudzivirira zvikwereti zvemba kuti zvipihwe vanhu vasingakwanise kubhadhara. Mutengo wekuferefeta uku unofanirwa kutakurwa nebhanga.
Ebs Mortgage Calculator
Kunyangwe iwe uine mari yekubhadhara pfuma kumberi, inogona kunge iri pfungwa yakanaka kuwana imba yemba. Semuenzaniso, kuchengetedza chikwereti chemba kunogona kusunungura mari yaunogona kuisa kune mamwe ma real estate investments.
Mari yemumba ndiyo inobhadhariswa nemukweretesi pachikwereti. Zvimwe zvikamu zvinogona kusanganisira inishuwarenzi yemuridzi wemba uye mutero. Mune mamwe mazwi, yako yemwedzi yekubhadhara mortgage inofanira kutaridzika seizvi:
Haasi ese mamortgages akafanana. Mhando dzemortgages dzinosiyana zvichienderana nehurefu hwenguva yeamortization uye mubereko wenguva yega yega yekubhadhara. Mhando dzakawanda dzemortgages ndeye makore gumi nemashanu nemakore makumi matatu, zvichireva kuti mukwereti ane makore gumi nemashanu kana makumi matatu ekubhadhara chikwereti, zvichiteerana. Zvimwe zvikwereti ndezvemakore mashanu chete, asi zvimwe zvinogona kugara kusvika kumakore makumi mana.
Nechikwereti chakamisikidzwa, mukwereti anobvuma kubhadhara mubereko wakasimba wehupenyu hwechikwereti. Muchikwereti chechikwereti, mubereko uye mukuru wepamwedzi anoramba akafanana muhupenyu hwese hwechikwereti. Kunyangwe mubereko wemusika uchikwira, mubhadharo wepamwedzi hauchinji. 15-year and 30-year fixed mortgages ingangove yakajairika mhando dzemortgages.
Yakawanda sei dhipoziti yandinoda kune remba muIreland
Iyo Calculator ichakubvunza iwe kune imwe data yekuverenga kwayo uye kuona iyo inofungidzirwa mamiriro emari echikwereti uye fungidziro yekubhadhara imba yawaizofanira kubhadhara mwedzi wega wega. Izvo zvakasiyana-siyana zvinoshandiswa ihuwandu hwechikwereti chemba (mari iyo bhangi ichakukweretesa zvichienderana nemutengo weimba), nguva uye mubereko.
Kuti upedze kuverenga uye kuwana fungidziro yekuti waizobhadhara marii pachikwereti chemba, tinokukumbira ruzivo nezve imba ine hunhu hwakafanana neiyo yaunoda kutenga (mutengo, iri mudunhu ripi, kana ichave yako pekutanga pekugara uye kana iri imba nyowani kana iripo) uye ruzivo nezve chikwereti chemondi (yakawanda sei yaunoda uye nguva yerendi).
Nguva yekubhadhara yechikwereti chemondgage inosiyana zvichienderana nerudzi rwemondgage. Nepo temu yepamusoro yekubhadhara Fixed Rate Mortgage iri makore makumi matatu, nguva yeVariable Rate Mortgage makore makumi mana (chero paine mamwe mamiriro akazadzikiswa). Muzviitiko zvese izvi, nguva shoma yekubhadhara chikwereti chemondi ichave makore gumi.
ndingakwereta marii aib
Evribor inoramba ichikwira zvigaro. Zvakawanda zvekuti kukosha kweiyo underlying mortgage index yakawedzera ne50% mumwedzi gumi nembiri yapfuura. Parizvino, kune zvikamu zvitatu zvekutengesa zvasara kusvika pakupera kwaApril. fungidziro yaro yemwedzi inoiisa yakanaka, chimwe chinhu chisina kuitika kubva muna Ndira 2016. Asi nei yakakura kudaro? Aya data anobata sei avo vanozotora mbavha? Uye chii chakanyanya kukosha, yakawanda sei iyo chiyero chekuchinja chemortgages ichakwira?
Nyanzvi mbiri pamusoro peiyo yepamhepo chigadzirwa chemari chikuva iAhorro ichapindura mibvunzo yakakosha yevaverengi veLa Información kuti vajekese nyaya iyi: "Sei uchibhadhara mari yakawanda yechikwereti inosvika 600 euros yakawanda pagore?" Uku kutaurirana kwedhijitari uye kwepamoyo kuchaitika Chitatu chinotevera, Chivabvu 4, uye ichatepfenyurwa paIAhorro's YouTube chiteshi.
Muchinyorwa chino tichava nekubatana kwenyanzvi mbiri kubva kuIAhorro. Kune rimwe divi, Santiago Grandes, nyanzvi yemortgage, uye kune rimwe, Rebeca Orgas, maneja wemogeji pachikuva. Chinangwa chezvose zviri zviviri chichava chekutsanangura mamiriro azvino ezvimba nekukwira kweEuribor uye kugadzirisa kusahadzika kwese kwevaverengi.
