Iyo csa inofunga nezvekubhadhara mari dzemba
Vanhu vazhinji vanofunga kuti pasina mari haugone kuve munyoreri, izvi zvinogona kudzikisira chikwereti chakanyanya zvishoma asi kune vanhu vazhinji zvingave zvisingakuvadzi uye chipangamazano anogona kugara achiita kurudziro inoratidza sarudzo dzemunhu uye dzakabatana.
Kana usina kuroora kana kuti usiri muhukama hwemutemo, haubatsirwe kubva mumubatanidzwa wenhaka yemutero wepaundi mazana matanhatu nemakumi mashanu emadhora uye haubatsirwe nemubhadharo wekugara mukuru wepaundi miriyoni imwe. Iwe haugoni kuva neimba yakabatanidzwa pasina chibvumirano chekubhadhara chikwereti, uye hapana chinhu chakadai se "mutemo wakajairika" kuroorana kunze kwekurambana kwekurambana.
Zvakanaka kufunga kuti kupaza kwemutero uye kukosha kwezvivakwa kuchawedzera mune ramangwana, asi kana tikatarisa manhamba zvichienderana nemutengo wekutenga we- $ 600.000 uye mutero wemazuva ano, zvinotipa chimwe chinhu cheanalog yekuti vangaenzaniswa sei. mune ramangwana.
Vangave vaine wiri yewiri kana kuti kwete, izvi zvinoreva kuti vanozongokwanisa kushandisa mutero wevanyoreri kupfuudza chivakwa ichi kuvana mune ramangwana. Sezvo mumwe wake asina kumbobvira atora muridzi wenzvimbo, yake £ 325.000 mvumo yaizoenda isina kushandiswa kana akafa kutanga.
Kubhadhara alimony kunokanganisa kuwana chikwereti chemba
Uri mumatanho ekutanga ekurambana kana kuparara kwehukama hwepamba uye uchitsvaga ruzivo rwekudzivirira kodzero dzako dzekugara mudzimba dzakagovaniswa kare? Zvadaro zvakakodzera kuverenga gwara redu Kuchengetedza Kodzero dzeVaridzi Vepamba Panguva yeKurambana kana Kurambana.
Chinangwa chedare chichava chekugovanisa midziyo nenzira yakanaka inoita kuti munhu wese awane zvinodiwa. Mitemo yezvikonzero zvewanano inotaridza huwandu hwemasimba anogona kushandiswa nedare kusarudza nzira yekugovaniswa kwemidziyo.
Vakawanda vakaroorana vanorambana kana kuti vanoparadza mubatanidzwa wavo wehurumende havawani nguva yakazara yedare kuti vagadzirise kusawirirana kwemari. Asi ipfungwa yakanaka kunzwisisa kuti matare anozoteyiwa nezvemba yemhuri.
Zvakakodzera kuti titarise iyi nhungamiro yeEngland, Northern Ireland kana Wales: Kuzorora kwakachena kana kuchengetedza murume kana mukadzi mushure mekurambana kana kuparara
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Zvinoenderana netsvagiridzo yakaitwa neKanzuru yeMortgage Lenders (CML), † muna 2014, 52% yevatengi vekutanga vakawana rubatsiro rwekutenga imba, kungave kubva kumhuri kana kuburikidza nezvirongwa zvehurumende seKumba Kutenga Rubatsiro.
Imwe nzira kune mupiro wemari chikwereti. Kunyange zvazvo kukwereta mari kumhuri nokuda kwedipoziti yembavha kungaratidzika kuva kuri nani pane kutora chikwereti, sezvo vakwereti vangasafanira kubhadhara mubereko, kuchiri kurangarirwa sechikwereti nokuda kwezvinangwa zvokukumbira mbavha.
Vabereki vanofanirawo kufunga nezvezvinorehwa nechikwereti chavo. Kunzi co-mortgage inosungira nhoroondo yako yechikwereti kune yemwana wako. Izvi zvinoreva kuti kana mwana akakanganisa nemari yake, zvinokanganisa kukwanisa kwevabereki kuwana chikwereti mune ramangwana.
Equity release mortgage inoburitsa kukosha kwedzimba dzinenge dzave nadzo chaidzo, pasina mari yembavha iripo. Iyo inozivikanwawo semamortgages ehupenyu hwese, vanobvumira kukwereta kusvika ku50% yekukosha kwemba. Asi zvigadzirwa izvi zvinogona kudya zvimwe kana kukosha kwepfuma yako, saka haisi sarudzo yekutorwa zvishoma.
Santander mortgage rubatsiro rwevana
Imwe yeanonyanya kuzivikanwa ndeyekubatanidzwa kwemortgage nevabereki. Mune dzidziso, maitiro acho haana kusiyana nekutora imba yemubatanidzwa nemumwe wako, asi pane zvimwe zvinhu zvakakosha zvinogona kutadzisa application.
Gwaro iri rinotsanangura zvaunofanira kuziva usati wanyorera mubatanidzwa wemba yevabereki, zvakanakira nekuipira kuita kudaro, uye zvinotarisirwa nevakweretesi zvevanyoreri. Dzimwe sarudzo dzemhuri dzemba dzemba dzinounzwawo kuti utarise.
Vese vanhu vanosanganisirwa mufomu rekunyorera vanofanirwa kusangana nemaitiro ekukwereta uye vachave vakabatana basa rekubhadhara remba. Izvi zvinoreva kuti kana mumwe wevanyoreri akasabhadhara (default) mwedzi mumwe, mutoro unowira kune mumwe.
Ivo-vanoroja pamwe chete vane 100% yepfuma, uye vanozogara nhaka iyo kana mumwe munhu akafa. Joint tenants vanogona zvakare kutora chikamu chakaenzana chechero purofiti kubva pakutengeswa kwemba.
Vanoroja vakafanana mumwe nemumwe anogona kuve nemugove wakaenzana kana wakasiyana wenzvimbo. Kana mumwe wevaridzi akafa, pfuma haingogari nhaka neimwe: mumwe nemumwe anosarudza waanosiya chikamu chavo mukuda kwavo.
