Ndiani anoita 40-year mortgages
Sezvo iyo Mortgage Market Ongororo (MMR) yakaunzwa muna 2014, kunyorera remba kunogona kuomera vamwe: vanokweretesa vanofanirwa kuongorora kugona uye kurangarira zvinhu zvakati wandei, kusanganisira zera.
Chinangwa ndechekuona kuti vanhu vari kuenda pamudyandigere havana zvikwereti zvisingabhadhare pavari. Sezvo mihoro yevanhu ichidzikira kana vangomira kushanda votora penjeni yavo, Risk Management Regulations inokurudzira vanokweretesa nevanokwereta kuti vabhadhare zvikwereti izvi zvisati zvaitika. Nekudaro, izvi hazvigoneke nguva dzose kana zvinoshanda kumunhu wese, uye vamwe vanokweretesa vakawedzera izvi nekuisa miganho yezera rekubhadhara remba. Kazhinji, miganho yezera iyi i70 kana 75, zvichisiya vakwereta vakawanda vakura vaine sarudzo shoma.
Yechipiri mhedzisiro yeiyi miganho yezera ndeyekuti mazwi akapfupikiswa, ndiko kuti, anofanirwa kubhadharwa nekukurumidza. Uye izvi zvinoreva kuti mari dzepamwedzi dzakakwirira, izvo zvinogona kuita kuti dzisakwanise. Izvi zvakakonzera kupomerwa kwekusarura kwezera, zvisinei nezvinangwa zvakanaka zveRMM.
Muna Chivabvu 2018, Aldermore akatanga imba yemba yaunogona kuva nezera rinosvika makumi mapfumbamwe nemapfumbamwe #JusticeFor99yearoldmortgagepayers. Mwedzi mumwe chetewo, Sosaiti Yokuvaka Mhuri yakawedzera zera rayo guru pakupera kwetemu yacho kusvikira kumakore 100. Vamwe, kunyanya makambani ekukweretesa, vakabvisa zvachose zera repamusoro. Nekudaro, vamwe vanokweretesa mumigwagwa vakakwirira vachiri kusimbirira pazera remakumi manomwe kana makumi manomwe neshanu, asi iko zvino kwave kushanduka kune vakwereta vakura, sezvo Nyika yese neHalifax vakawedzera miganho yezera kusvika makumi masere.
UK mortgage age limit
Chikwereti chinowanzova chikamu chakakosha chekutenga imba, asi zvinogona kuva zvakaoma kunzwisisa zvauri kubhadhara uye zvaunogona kuwana. Mortgage calculator inogona kubatsira vanokwereta kuti vafungidzire mubhadharo wavo wepamwedzi wembangi zvichienderana nemutengo wekutenga, mubhadharo wepasi, mubereko, uye zvimwe zvemwedzi nemwedzi zvemuridzi wemba.
1. Pinda mutengo weimba uye chiyero chekubhadhara kwekutanga. Tanga nekuwedzera mutengo wekutenga wemba waunoda kutenga kuruboshwe rwechidzitiro. Kana usina imwe imba mupfungwa, unogona kuedza nenhamba iyi kuti uone kuti imarii yaungakwanisa kutenga. Saizvozvo, kana iwe uri kufunga nezvekupa imba, iyi Calculator inogona kukubatsira kuona kuti yakawanda sei yaungapa. Tevere, wedzera mubhadharo wepasi waunotarisira kuita, ingave chikamu chemutengo wekutenga kana seyemwe mari.
2. Isa mubereko. Kana iwe wakatotsvaga chikwereti uye wakapihwa nhevedzano yemareti emubereko, isa imwe yeaya ma values mubhokisi remhindu rekuruboshwe. Kana usati wawana mubereko, unokwanisa kuisa iyo avhareji yereti yembangi sepokutangira.
Makore mangani ndingawana rendi?
Avhareji yekubhadhara nguva yekutenga imba ndeye makore makumi maviri nemashanu. Asi maererano neongororo yakaitwa nemortgage broker L&C Mortgages, nhamba yevatengi vekutanga kutora chikwereti chemakore 25 kusvika ku31 yakapetwa kaviri pakati pa35 na2005.
Ngatitii uri kutenga £250.000 chivakwa pamutengo we3% uye une 30% dhipoziti. Kukwereta £175.000 pamusoro pemakore makumi maviri nemashanu kunokubhadhara £25 pamwedzi. Kana mamwe makore mashanu awedzerwa, mubhadharo wepamwedzi unodzikiswa kusvika pa830 pounds, nepo 738-year-mortgage yaizongoita 35 pounds pamwedzi. Ndiyo 673 pounds kana 1.104 pounds zvishoma gore negore.
Nekudaro, zvakakodzera kutarisa chibvumirano chemortgage kuti uone kana uchikwanisa kubhadhara. Kukwanisa kuzviita pasina zvirango kunokupa kushanduka-shanduka kana iwe ukakwidzwa kana kupera kwemari. Iwe unogona zvakare kubhadhara mari yekondirakiti kana nguva dzakaoma.
Zvakakosha kufunga nezvazvo, sezvo chero imwe mari yaunoisa mumbamba yako pamusoro peiyo yakajairwa mari yepamwedzi inopfupisa hurefu hwese hwembavha, zvichikuchengetera imwe mhindu pamusoro pehupenyu hwemumba.
Mortgage age limit yemakore makumi matatu nemashanu
Avhareji yekubhadhara nguva yekutenga imba ndeye makore makumi maviri nemashanu. Asi maererano neongororo yakaitwa nemortgage broker L&C Mortgages, nhamba yevatengi vekutanga kutora chikwereti chemakore 25 kusvika ku31 yakapetwa kaviri pakati pa35 na2005.
Ngatitii uri kutenga £250.000 chivakwa pamutengo we3% uye une 30% dhipoziti. Kukwereta £175.000 pamusoro pemakore makumi maviri nemashanu kunokubhadhara £25 pamwedzi. Kana mamwe makore mashanu awedzerwa, mubhadharo wepamwedzi unodzikiswa kusvika pa830 pounds, nepo 738-year-mortgage yaizongoita 35 pounds pamwedzi. Ndiyo 673 pounds kana 1.104 pounds zvishoma gore negore.
Nekudaro, zvakakodzera kutarisa chibvumirano chemortgage kuti uone kana uchikwanisa kubhadhara. Kukwanisa kuzviita pasina zvirango kunokupa kushanduka-shanduka kana iwe ukakwidzwa kana kupera kwemari. Iwe unogona zvakare kubhadhara mari yekondirakiti kana nguva dzakaoma.
Zvakakosha kufunga nezvazvo, sezvo chero imwe mari yaunoisa mumbamba yako pamusoro peiyo yakajairwa mari yepamwedzi inopfupisa hurefu hwese hwembavha, zvichikuchengetera imwe mhindu pamusoro pehupenyu hwemumba.
