Ndingawana here remba netsamba yekupihwa basa muUK?
England ichapinda mukuvhara kwenyika kubva munaNovember 5 kusvika Zvita 2. Nechikonzero ichi, mazororo ekubhadhara zvikwereti akawedzerwa kwemwedzi mitanhatu. Hutongi uhwu hwaimbonzi huchapera musi wa31 Gumiguru. Nekudaro, nekuda kwematanho matsva ekuvhara, zororo richawedzerwa zvakare.
Izvi zvinorevei kune vanokweretesa memba nevanokwereta? Zvakanaka, kana iwe wakambotora zororo, iwe unotoziva zvese zvese. Zvisinei, havasi vanhu vose vachakwanisa kushandisa mazororo. Naizvozvo, zviri nani kutanga nezvinokosha.
Izvi zvinoreva kuti unogona kutora zororo remwedzi mitanhatu kana usina kutora imwe kare. Kana iwe uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchinge uchingerwa. Zvakare, kana iwe waive nereferral uye wapedza kubhadhara, unogona kuita imwe inosvika mwedzi mitatu. Chekupedzisira, kana iwe wakamboita mbiri yekumisikidza kare (kureva, mwedzi mitanhatu yezororo) haugone kusarudza kudzoreredzwa kutsva.
Muchidimbu, izvi zvinoreva kuti vanhu chete vasina kutora zororo rechikwereti ndivo vanokodzera kwemwedzi mitanhatu. Vanhu vanotova nereferral vanogona kushandisa mwedzi mitatu chete. Zvakare, kune vanhu vakatotora zororo remwedzi mitanhatu asi vachiri kuda rubatsiro, Finance Council Authority yakati vanofanirwa kutaura nevanokweretesa. Ndiko kuti, vanogona kusvika kune dzimwe zvibvumirano nevakweretesi uye izvi zvinonzi "rutsigiro rwakagadzirirwa".
Iwe unofanirwa kunge uri pabasa kwenguva yakareba sei kuti uwane imba yemba?
Nechinjo dzakawanda dzinonakidza—basa idzva, imba itsva—kurangarira mapepa ose nezvirongwa zvauchazoda kuti ubvumidzwe kukwereta imba zvinogona kuva zvinokurisa. Sezvineiwo, tauya kuzorerutsa zvakaoma.
Panguva yechirongwa chinonzi verification of Employment (VOE), mukwereti wako wechikwereti chemba achabata mushandirwi wako, kungave nerunhare kana nekukumbira kwakanyorwa, kuti asimbise kuti ruzivo rwebasa rwawakapa rwakarurama uye ruchienderana.
Iri inhanho yakakosha nekuti mutsauko muruzivo rwawakapa, senge shanduko yebasa ichangoburwa, inogona kusimudza mureza mutsvuku uye kukanganisa kugona kwako kuti ukwanise kukwereta. Tichazotaura nezvazvo gare gare.
Mukuwedzera pakuongorora mari yaunowana, mukweretesi wechikwereti achaita cheki chekwereti uye kuverenga chikwereti chako-ku-income (DTI) chikwata kuti uvabatsire kunzwisisa kuti iwe unofanira kubhadhara mari yakawanda sei pachikwereti chazvino mwedzi wega wega. Maitiro aya akakosha nekuti mari yaunowana ndiyo inotarisisa huwandu hwemba hwaunokwanisa kutenga uye mubereko wauchabhadhara pachikwereti.
Iwe unofanirwa kushanda kwenguva yakareba sei kuti uwane rendi?
FHA nhungamiro yechikwereti inotaura kuti nhoroondo yekutanga mune yazvino chinzvimbo haidiwe. Nekudaro, mukweretesi anofanira kunyora makore maviri ekutanga basa, dzidzo, kana basa rechiuto, uye kutsanangura chero mapundu.
Munyoreri anofanira kungonyora nhoroondo yebasa yemakore maviri apfuura. Hapana dambudziko kana mukweretesi akachinja basa. Nekudaro, munyoreri anofanira kutsanangura chero mapundu kana shanduko dzakakosha.
Zvekare, kana iyi yekuwedzera mubhadharo ikadzikira nekufamba kwenguva, mukweretesi anogona kuibvisa, achifunga kuti mari yacho haigare mamwe makore matatu. Uye pasina nhoroondo yemakore maviri yekubhadhara nguva yakawandisa, mukweretesi anogona kunge asingakubvumidze kuti uzvitore pane yako yekutenga imba.
Pane zvisizvo. Semuenzaniso, kana uchishandira kambani imwe chete, ita basa rimwe chete, uye uine mari yakafanana kana iri nani, shanduko yemubhadharo wako kubva pamuhoro kuenda kune yakazara kana chidimbu komisheni inogona kusakukuvadza.
Nhasi hazvishamisi kuti vashandi varambe vachishandira kambani imwe chete uye kuva "consultants", ndiko kuti, vanozvishandira asi vanowana mari yakafanana kana yakawanda. Vanyoreri ava vanogona kunge vachitenderedza mutemo wemakore maviri.
Mortgage ine isingasviki mwedzi mitatu yebasa
Mortgage ingangove yakakura mari yekudyara uye kuzvipira kwauchazomboita. Sezvaunotora danho rakakura iri, iwe unenge uchida kuve nechokwadi kuti wawana dhiri yakakunakira iwe. Pane zvinhu zvakati wandei zvinopesvedzera kukodzera kwako, mari yaunogona kukwereta uye zvipo zvaunopihwa, chimwe chacho ibasa rako. Kana uri kufunga nezve kunyorera remba kuUK asi uri kufungawo nezve kutsvaga basa idzva, ita shuwa kuti unoverenga kuti uone kuti zvingakukanganisa sei. Kubva paurefu hwaunofanirwa kunge uri pabasa usati wawana UK remba kusvika kune zvinokonzeresa shanduko yekondirakiti, tinopindura mibvunzo yako yese inopisa.
Paunenge uchiongorora chikumbiro chako, vazhinji vanokweretesa vachada kuona kuti une basa rakasimba, rakagadzikana vasati vakupa imba yemba. Izvi zvinoreva kuti, semutemo wezvigunwe, zvingangove zvakanaka kuti urege kutsvaga basa kusvika wagadzirisa chikwereti chako. Kwete chete zvinozoita kuti kunyorera kuve nyore, asi zvinokupawo runyararo rwepfungwa zvekuti unonyatsoziva kuti mari yako yekubhadhara pamwedzi ichave yakadii usati waita chero shanduko inogona kukanganisa muhoro wako.
