Chikwereti chekuvaka muUK
Rubatsiro rweKutenga Incentive (HTB) chirongwa chekubatsira vatengi vekutanga kuwana dhipoziti paimba. Zvinokutendera kuti utore kudzoserwa kwemitero yawakabhadhara muIreland mumakore mana apfuura. Mvumo inowanikwa kune vatengi vekutanga yakawedzerwa muna Chikunguru 2020, uye kuwedzera uku kwakawedzerwa mumabhajeti anotevera. Kuwedzera uku, kunozivikanwa sechirongwa chekubatsira kutenga chakanatsiridzwa, chakawedzerwa kusvika Zvita 31, 2022 mubhajeti ra2022. Mari inogona kukumbirwa ishoma pa:
Kana uchikwanisa kutenga imba ye200.000 €, mukweretesi wako anogona kukupa inosvika €160.000. Izvi zvinoreva kuti iwe unofanirwa kuve neyasara € 40.000, kana 20%, yakachengeterwa dhipoziti yako. Kuti uwane rumwe ruzivo, shanyira Central Bank yeIreland webhusaiti.
Nyatsoongorora bhajeti yako kuti uone kuti imarii yaunokwanisa kushandisa pakubhadhara imba mwedzi wega wega uye kuve nechokwadi chekuti une zvakakwana zvekuvhara mamwe mari yekutenga nekuchengetedza imba. Inofungidzirwa mari yeumwe neumwe wavo inoratidzwa pasi apa.
Shandisa bhajeti redu kuronga kufungidzira zvaunogona kutenga zvakadzikama mwedzi wega wega. Batanidza mubhajeti yako mari yenguva dzose yemitengo isingatarisirwe, senge mari yekurapa, kuwedzera kwemhindu, nezvimwe.
Mari yemba inobhadharwa here imba ichivakwa?
Iwe wave kuda kusiya MidAtlantic Farm Chikwereti webhusaiti. Isu hatina mhosva, uye hatidzore, kutsigira, kana kuvimbisa zvirimo, zvigadzirwa, uye/kana masevhisi pamapeji anotevera. Iyo saiti yakabatana inogona kunge iine yakasarudzika mutemo wekuvanzika kana kupa chengetedzo shoma pane webhusaiti yedu yaunofanirwa kuziva. Ndatenda.
Maitiro ekutenga nzvimbo nekuvaka imba anogona kuvhiringa, kunyanya kana usati wambozviita. Pane nzira dzakasiyana dzekubhadhara muridzi uye kuvaka imba yako, uye mukweretesi wako anofanira kukwanisa kukubatsira kusarudza izvo zvinoshanda zvakanyanya kumamiriro ako emari. Chinyorwa ichi chinokudzidzisa mutsauko uripo pakati pezvikwereti zvevhu uye mbanje, uye kukuzivisa iwe nezvesarudzo dzemari yekutenga nzvimbo yekuvaka imba.
Zvikwereti zvevhu zvinoisa njodzi yakanyanya kune mukweretesi sezvo kazhinji pasina chimiro kana pekugara pachivakwa. Kana munhu atenga nzvimbo, kazhinji anenge atova nechikwereti chemba kana kubhadhara rendi. Kana dambudziko remari rikaitika, munhu iyeye angangotadza kubhadhara chikwereti chisina mari panzvimbo pemba kana rendi; Muchokwadi, ichi ndicho chikonzero vazhinji vanokweretesa vasingabhadhari mari yeminda isina chinhu!
Kuzvivakira mortgage deposit
Chimwe chezvakanakira kutenga imba ndechekuti iwe unokwanisa kuvaka kuenzana mairi uye kushandisa iyo yakaenzana kubhadhara kicheni hombe remodell, kubvisa yakakwira-inodhura kadhi rechikwereti chikwereti, kana kubatsira kubhadhara vana vako koreji tuition.
Net kukosha mutsauko uripo pakati pezvaunokwereta pamari yako yemba uye kukosha kwazvino kwemba yako. Kana uine chikwereti che $150.000 pachikwereti chako chemba uye imba yako inokosha $200.000, une $50.000 yehutano mumba mako.
Tomboti unotenga imba ne$200.000. Unogona kubhadhara 10% yemutengo wekutenga imba, iyo ingave $20.000. Mukweretesi wako anozokupa $180.000 yechikwereti chemba.
Chete muongorori wezvivakwa anogona kupa ongororo yepamutemo yeukoshi hwemusika wemba yako. Nekudaro, iwe unogona kufungidzira kukosha kweimba yako nekutarisa kuenzanirana kwekutengesa kwemba munzvimbo yako kana nekutarisa online real estate sales iyo inopa yavo pachavo kukosha kweimba fungidziro.
Kuwana kuti yakawanda sei yaunokwanisa kuisa pasi idanho rakakura mukunzwisisa kuti uchavaka sei kukosha mumba mako. Kufanopihwa mvumo yekutenga imba usati waita chinongedzo kuchakubatsira kuti unzwisise kuti yakawanda sei yemari yako yaungada kushandisa pakubhadhara pasi.
Kuzvivaka Mortgage Calculator
Vanhu vazhinji, vese varidzi vedzimba nevaisiri vemari, vanoona kutenga kunze-kuronga senzira yakanaka yekutenga imba nyowani. Nekudaro, sekunge nekudyara kupi zvako, iwe unofanirwa kufunga nezve zvakanakira uye zvakaipira kutenga off chirongwa.
Buying off plan zvinoreva kutenga chivakwa chisati chavakwa kana kuti chiri kuvakwa. Sarudzo yekutenga inobva pazvirongwa zvekuvaka uye magadzirirwo, kwete chigadzirwa chakapedzwa.
LVR yako yakakosha nekuti inokanganisa kana iwe uchizofanira kubhadhara imwe mari yeLenders Mortgage Insurance (LMI) pachikwereti chako. LMI inshuwarisi yaunobhadharira, asi inodzivirira bhangi (kwete iwe) kana ukatadza kubhadhara chikwereti uye mari kubva pakutengeswa kwenzvimbo yako yekuchengetedza haina kukwana kubhadhara chikwereti.
Kune rumwe rutivi, kana kukosha kweimba kunowira kubva ku $ 500.000 kusvika ku $ 400.000, LVR yako ichakwira. Kana usati wachengeta yakawanda padhipoziti yako, izvi zvinogona kukanganisa mikana yako yekuwana chikwereti, kana kuti zvinogona kureva kubhadhara IML kana ukawana chikwereti chitsva.
