Mortgage credit
Mortgage chikwereti chenguva refu chakagadzirirwa kukubatsira kutenga imba. Pamusoro pekubhadhara capital, iwe unofanirwa kubhadhara mubereko kune mukweretesi. Imba nenyika yakaipoteredza zvichava rubatso; Asi kana iwe uchida kuve nemba, iwe unofanirwa kuziva zvinopfuura izvi zvinowanzoitika. Iyi pfungwa inoshandawo kune bhizinesi, kunyanya kana zvasvika kune yakatarwa mitengo uye yekuvhara mapoinzi.
Anenge munhu wose anotenga imba ane chikwereti chemba. Mari dzembavha dzinowanzotaurwa panhau dzemanheru, uye fungidziro pamusoro pemafambiro emitengo ichafamba yave chikamu chenguva dzose chetsika yezvemari.
Imba yemazuva ano yakabuda muna 1934, apo hurumende - kubatsira nyika kuburikidza neKuderera Kukuru - yakagadzira chirongwa chekukweretesa icho chakaderedza kubhadhara kwaidiwa paimba nekuwedzera mari yaigona kukwereta varidzi vemba. Izvi zvisati zvaitika, 50% yekubhadhara pasi yaidiwa.
Muna 2022, mubhadharo we20% wepasi unodiwa, kunyanya sezvo kana mubhadharo uri pasi pe20%, unofanirwa kutora yakavanzika mortgage inishuwarenzi (PMI), inoita kuti mubhadharo wako wepamwedzi ukwire. Zvisinei, chinodiwa hachisati chiri hacho chinowanwa. Kune zvirongwa zvemortgage izvo zvinobvumira kudzika kwakadzika kubhadhara, asi kana iwe uchigona kuwana iyo 20%, unofanirwa.
Mortgage chikwereti
Isu tiri yakazvimirira, ad-inotsigirwa kuenzanisa sevhisi. 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.
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.
Mortgage Calculator
Kana iwe uchitova nechikwereti nemari yako yekubhadhara imba, panogona kunge paine zvinhu zvaunogona kuita kuti urege kusara kumashure pakubhadhara kwako uye kubhadhara chikwereti. Ona Maitiro ekuita nechikwereti chemondgage.
Kana uri kunetseka zvakanyanya kubhadhara chikwereti chako, semuenzaniso, kana watanga kugamuchira matsamba kubva kune wako wemukweretesi wemba achityisidzira kuita zvemutemo, unofanirwa kutsvaga rubatsiro kubva kune nyanzvi yechikwereti chipangamazano.
Iwe unogona kukwanisa kuwana dhiri inodhura yemortgage nemumwe mukweretesi wemortgage. Iwe unogona kubhadhara mari yekushandura vakweretesi vemortgage, uye iwe uchazofanira kubhadhara mari yaunokwereta kune wekutanga mukweretesi kana iwe wakasarira kumashure pakubhadhara kwako.
Iwe unogona kukwanisa kudzikisa mamwe madhiri nekuchinja kune yakachipa mortgage, kuvaka kana zvemukati kuchengetedza inishuwarenzi. Unogona kuwana ruzivo rwekuti ungachinja sei mupi weinishuwarenzi yako paMoney Advice Service webhusaiti: www.moneyadviceservice.org.uk.
Unogona kubvunza mukweretesi wako kana vakabvuma kudzikisa mari yako yemwedzi nemwedzi, kazhinji kwenguva shoma. Izvi zvinogona kukubatsira kuti utore chikamu chakaoma uye kuti usaunganidze chikwereti. Kana chikwereti chatowanda, uchafanirwa kutsvaga nzira yekuchibhadhara.
Mukweretesi wemba anoda kubhadhara makumi maviri uye anopa chikwereti chemakore makumi matatu nechikwereti che20
Kune vazhinji vedu, kutenga imba kunoreva kutora chikwereti. Ndiyo imwe yezvikwereti zvakakura zvatichakumbira, saka zvakakosha kuti tinzwisise kuti zvikamu zvinoshanda sei uye ndedzipi sarudzo dzekudzidzikisa.
Ne amortization mortgage, mubhadharo wepamwedzi unogadzirwa nezvikamu zviviri zvakasiyana. Chimwe chikamu chemari yemwedzi nemwedzi chichashandiswa kuderedza uwandu hwechikwereti chasara, nepo imwe yacho ichizoshandiswa kubhadhara mhindu pachikwereti ichocho.
Kana wangosvika pakupera kwenguva yako yembavha, mukuru wawakwereta achadzorerwa, zvichireva kuti mari yemba inodzoserwa zvizere. Tafura inotevera inoratidza kuti mubereko uye mubhadharo mukuru uchachinja sei pamusoro penguva yemortgage.
Nekudaro, pakupera kwemakore makumi maviri nemashanu, iwe uchafanirwa kukwanisa kubhadhara iyo 25 principal yawakakwereta pekutanga; kana usingakwanise, unogona kutengesa chivakwa kana kutarisana nenjodzi yekudzoserwa.
Ngatidzokerei kumuenzaniso wedu wekare we200.000-year-£ 25 remba ine mubereko we3%. Kana ukabhadhara £90 pamwedzi yakawandisa, unobhadhara chikwereti mumakore makumi maviri nemaviri chete, zvichikuchengetera makore matatu ekubhadhara mubereko pachikwereti. Uku kungave kuchengetedza kwe £22.
