Muripo wangu wemondi uchadzika here mushure memakore mashanu?
Kune vazhinji vedu, kutenga imba kunoreva kutora chikwereti. Ndiyo imwe yezvikwereti zvakakura zvatinotora, saka zvakakosha kuti tinzwisise kuti muripo unoshanda sei uye ndedzipi sarudzo dzekudzidzikisa.
Ne amortization mortgage, mubhadharo wepamwedzi unogadzirwa nezvikamu zviviri zvakasiyana. Chimwe chikamu chemari yemwedzi nemwedzi chichashandiswa kudzikisa huwandu hwechikwereti chasara, nepo imwe yacho ichizoshandiswa kubhadhara mhindu pachikwereti chataurwa.
Kana wangosvika pakupera kwenguva yako yembavha, mukuru wawakwereta achadzorerwa, zvichireva kuti mari yemba inodzoserwa zvizere. Tafura inotevera inoratidza kuti mubereko uye mubhadharo mukuru uchachinja sei pamusoro penguva yemortgage.
Nekudaro, pakupera kwemakore makumi maviri nemashanu, iwe uchafanirwa kukwanisa kubhadhara iyo 25 principal yawakakwereta pekutanga; kana usingakwanise, unogona kutengesa chivakwa kana kutarisana nenjodzi yekudzoserwa.
Ngatidzokerei kumuenzaniso wedu wekare we200.000-year-£ 25 remba ine mubereko we3%. Kana ukabhadhara £90 pamwedzi yakawandisa, unobhadhara chikwereti mumakore makumi maviri nemaviri chete, zvichikuchengetera makore matatu ekubhadhara mubereko pachikwereti. Uku kungave kuchengetedza kwe £22.
Escrow Mortgage Kubhadhara Kuputsa
Kana ukawana mamwe mabhenefiti uye uchinetseka kubhadhara imba yako yemba, unogona kuwana rubatsiro kubva kuhurumende kuti ubhadhare chimbadzo pachikwereti chako. Izvi zvinodaidzwa kuti Mortgage Interest Assistance (SMI).
Sezvo rubatsiro rwawakagamuchira rwava chikwereti, uchachajwa mhindu. Kana ukatora nguva yakareba uchigamuchira rubatsiro, ndipo pauchabhadhariswa mhindu yakawanda. Zvido izvi zvinoverengerwa zuva nezuva uye zvinogona kusiyana. Nekudaro, haugone kuchinja kanopfuura kaviri pagore.
Kana imba inotengeswa, kana pasina mari yakakwana yasara mushure mekubhadhara chikwereti chekubhadhara chikwereti cheSMI, mari yakasara ichadzimwa. Uye iyo DWP ichafunga kuti chikwereti chave chabhadharwa zvizere.
Kana uchinetseka kubhadhara chikwereti chako, taura nemukweretesi wako kuti uwane rubatsiro rwavanogona kukupa. Izvi zvinogona kusanganisira mubhadharo mupfupi "zororo" kana kuregedzerwa kukubatsira kuti upfuure nedambudziko renguva pfupi kana nguva yakawedzerwa pachikwereti chako.
Kana uchifanira kubata nemitengo yakakwira yekurarama, asi usina mari yakawedzerwa, tsvaga nezve mamwe masosi emari uye nerubatsiro rwuripo rwekukubatsira kubata mabhiri eimba yako uye kuchengetedza mari mugwaro redu Kurarama nemari shoma.
Chekutanga chikamu cheSantander mortgage
Mortgage imhando yechikwereti chinowanzo shandiswa kutenga imba kana chimwe chivakwa. Mortgage inobvumira mukweretesi kuti atore pfuma kana ukasabhadhara chikwereti nenguva. Iyo midziyo ndiyo rubatso pachikwereti. Kazhinji, chikwereti chemba chikwereti chikuru uye chinobhadharwa kwemakore akawanda.
Muchikwereti, iwe une basa rekubhadhara nguva dzose kune mukweretesi. Kubhadhara kunovhara chikwereti pachikwereti pamwe nechikamu chemukuru (huwandu hwechikwereti). Kubhadhara kunogonawo kusanganisira mitero yezvivakwa, inishuwarenzi, uye mamwe madhiri akafanana.
Paunobhadhara chikwereti, mukweretesi anotanga ashandisa kubhadhara chikwereti. Zvino izvo zvasara zvinoenda kune mukuru uye, mune dzimwe nguva, mutero uye inishuwarenzi. Pakutanga, mari shoma chete inoenda kumukuru wechikoro, asi zvishoma nezvishoma, yakawanda yekubhadhara inoenda kumukuru wechikoro kusvika yanyatsogadziriswa. Chikamu cheimba inobhadharwa-zvose mubhadharo wepasi uye mari yekubhadhara imba-inonzi imba yekuenzanisa.
Chinokosha chekuchengetedza mari pachikwereti chako ndechekubhadhara mukuru wechikoro nekukurumidza sezvinobvira. Kana iwe uchikwanisa kuita mamwe mabhadharo pasi pemitemo yemortgage yako, mukweretesi anoashandisa zvakananga kumukuru wechikoro. Nekudzikisa principal, unogona kuchengetedza zviuru, kana makumi ezviuru, zvemadhora mukubhadhara mhindu. Asi kana uine chikwereti chemubereko chakakwirira, sechikwereti chekadhi rechikwereti, kana imwe mari inogona kuunza kudzoka kwakakwirira, unogona kunge uri nani kushandisa mari yako kune izvo zvinhu usati waita chero imwezve mari yekubhadhara imba.
Ndechipi chikamu chemari yangu yemwedzi nemwedzi yemortgage imari yechimbadzo?
Kana uine dambudziko rekubhadhara chechipiri chemba kana chimwe chikwereti kune pfuma yako, unofanirwa kutsvaga mazano kubva kune ane ruzivo rwechikwereti chipangamazano. Unogona kuwana mazano kuCitizen Service Office.
Mitemo inoti mukweretesi anofanira kukubata zvakanaka uye kukupa mukana une musoro wekubvuma kubhadhara zvikwereti, kana uchinge wagona kuita izvi. Iwe unofanirwa kugamuchira chero chikumbiro chine musoro chaunoita kuti uchinje nguva kana nzira yekubhadhara imba yako. Kana chikwereti chako chakatorwa pamberi paGumiguru 2004, mukweretesi anofanira kutevedzera kodhi yaivepo panguva iyoyo.
Kana iwe uchifunga kuti mukweretesi wako abata nyaya yako zvisina kunaka, unofanirwa kuikurukura nemukweretesi wako. Kana ukasarudza kuisa chichemo, mukweretesi wako anofanira kubvuma kuti atambira chichemo chako mukati memazuva mashanu ekushanda.
Kana wakarasikirwa nebasa rako kana mari usingatarisirwi, tarisa kuti uone kana une inishuwarenzi yekudzivirira yekubhadhara chikwereti. Iwe unogona kunge wakatenga polisi pawakawana imba yako yemba kana gare gare. Inishuwarenzi haigone kutorwa nemukweretesi.
