Imba Yekuvandudza Remortgage Calculator
Kana uchikwanisa kubhadhara chikwereti chako kare, unozochengetedza imwe mari pamubereko pachikwereti chako. Muchokwadi, kubvisa chikwereti chako chemba kwegore kana maviri kutanga kunogona kukuchengetedza mazana kana kunyange zviuru zvemadhora. Asi kana uri kufunga kutora nzira iyoyo, unofanira kufunga kuti pane muripo wekubhadhara kare here, pakati pezvimwe zvingangoitika. Heano zvikanganiso zvishanu zvekudzivisa kana uchibhadhara chikwereti chako kare. Chipangamazano wezvemari anogona kukubatsira kuona zvaunoda zvembanje uye zvinangwa.
Varidzi vedzimba vazhinji vangada kuve nedzimba dzavo uye havafanirwe kunetsekana nemwedzi wemwedzi wekubhadhara imba. Saka kune vamwe vanhu zvingave zvakakodzera kuongorora pfungwa yekubhadhara chikwereti chako chemba kare. Izvi zvinokutendera kuti udzikise huwandu hwemubereko wauchabhadhara mukati menguva yechikwereti, zvichikupawo mukana wekuve muridzi akazara wemba nekukurumidza pane zvanga zvichitarisirwa.
Pane nzira dzakawanda dzakasiyana dzekubhadhara kare. Nzira iri nyore ndeyekuita imwe mari yekuwedzera kunze kwemari yako yakajairika pamwedzi. Chero bedzi nzira iyi isingaite kuti uwedzere mari kubva kumukweretesi wako, unogona kutumira cheki gumi nenhatu gore rega rega pane gumi nembiri (kana iyo yepamhepo yakaenzana neiyi). Iwe unogonawo kuwedzera kubhadhara kwako pamwedzi. Kana iwe uchibhadhara yakawanda mwedzi wega wega, iwe unozobhadhara chikwereti chose pamberi pezvaitarisirwa.
Mortgage advance
Chiyero chekubhadhara chikamu chikamu chemari yekubatisa iyo mukweretesi anoda kukwereta. Rudzi rwepamberi runobatsira mukwereti kuona rudzi rwechibatiso chekutumira kuti achengetedze mari yechikwereti chaanoda uye zvinobatsira kuderedza kuratidzwa kwemukweretesi pakurasikirwa kana achitambira rubatso iyo ukoshi hunogona kushanduka.
Collateral inobatsira vanokweretesa kuderedza njodzi uye kupa mibairo inokwanisika kune vanokwereta. Nekuisa mubereko pachine nguva, mukweretesi anogona kuvaka cushion mukutengeserana kwechikwereti nekuona kuti kana kukosha kwechibatiso kwadzikira uye chikwereti chikatadza, pachine dziviriro yakakwana kubva pakurasikirwa nemukuru wechikwereti. Kana mukweretesi aine chikamu che75% chepamberi uye kukosha kwechibatiso chekuisa madhora zviuru zana, chikwereti chikuru chinopihwa nemukwereti imadhora makumi manomwe neshanu.
Magaranti anobatsira vanokwereta kuti vawane mubereko uri nani pachikwereti chavo uye pamwe nechikwereti chakakura. Mhando dzechibatiso dzinonyanyozivikanwa ndeye real estate (kusanganisira imba equity), mota, maakaundi emari, mainvestimenti, mari yeinishuwarenzi, mubhadharo wenguva yemberi kana maakaundi anogamuchirwa, zvakakosha, kana midziyo.
Nzira yekuwana sei mari yembavha nemari shoma
Chinangwa chekugadzirisa chikwereti cheimba ndechekuderedza mari yemukwereti kuitira kuti vakwanise kubhadhara chikwereti chavo mwedzi nemwedzi. Izvi zvinowanzoitwa nekudzikisira mubereko pachikwereti chemba kana kuwedzera nguva yekubhadhara yechikwereti.
Ramba uchifunga kuti gadziriso yechikwereti inoitirwa kuti iyo mortgage idhure kubva pamwedzi kuenda kumwedzi. Asi kazhinji zvinosanganisira kuwedzera nguva yechikwereti kana kuwedzera mubhadharo wakapotsa kuchikwereti, izvo zvinogona kuwedzera huwandu hwese hwemari yakabhadharwa.
Mortgage refinancing inogona kutsiva chikwereti chepakutanga neichi chitsva chine mubereko wakaderera uye/kana kwenguva refu. Izvi zvinogona kupa kudzikiswa zvachose mukubhadhara kwechikwereti chemba pasina kukanganisa chikwereti chako.
"Nekugadzirisa chikwereti, unoshanda nebhangi rako razvino kana mukweretesi kuti ugadzirise zvirevo zvemba yako iripo," anotsanangura kudaro David Merritt, gweta remhosva dzevatengi kuBernkopf Goodman, LLP.
Izvi zvinoreva kuti hapana makwikwi chaiwo pakati pekugadzirisa chikwereti uye refinancing remortgage. Sarudzo yechikwereti yakakunakira iwe zvinoenderana nechimiro chechikwereti chako chazvino, mari yako pachako, uye izvo zvinogamuchirwa nemukweretesi wako.
Chechipiri mutoro mortgage
Unogona kukumbira Universal Chikwereti chepamberi kuti ikubatsire kuwana iwe uchimirira kubhadhara kwako kwekutanga. Iwe unogona zvakare kukumbira kumberi kana mamiriro ako achinja uye unotarisira kuti mari yako yeUniversal Credit ichawedzera.
Kana DWP yangobvuma kubhadharwa, unofanira kugamuchira mari mukati memazuva matatu ekushanda. Kana iwe uchichida nekukurumidza, ita kuti DWP izive, sezvo ivo vanogona kukubhadhara iwe zuva rimwe chete kana iwe usina imwe mari yekurarama nayo.
Unogona kukumbira kusvika kumwedzi mumwe chete wekodzero yako kuUniversal Credit. Hazvidikanwi kuti iwe ubvunze kuzara kwekodzero yako, unogona kukumbira zvishoma. Kana ukafunga kuti unoda zvimwe, unogona kukumbira muripo wechipiri, asi unofanira kutsanangura kuti sei uchichida. Mari yekutanga neyechipiri yakawedzerwa pamwechete haigone kudarika mvumo yako yepamwedzi.
Zvakanakisisa kubvunza nokukurumidza sezvinobvira. Kana wangonyorera Universal Credit, zvinotora angangoita mavhiki mashanu kuti ugamuchire mubhadharo wako wekutanga. Iwe uchafanirwa kufunga nezvekuti imarii yauchazoda kusvika yako yekutanga kubhadhara.
