Ungayithenga njani indlu enengeniso ephantsi e-UK
Nokuba urhola umvuzo womfundi ofunda umsebenzi, usebenza ixeshana, usongeza umvuzo wakho ngezibonelelo, okanye ufumana ingeniso ye-furlough, kusenokubakho inani lokhetho olufikelelekayo onokuluqwalasela.
E-UK, umvuzo ophantsi uchazwa njengesibini kwisithathu somvuzo ophakathi ngeyure. Umzekelo, ingeniso yeyure ephakathi kubo bonke abasebenzi ngo-2020 yayiyi-£ 13,68, ngoko ke abasebenzi abafumana umvuzo ophantsi ngabo bonke abamkela ngaphantsi kwesibini kwisithathu se-£ 13,68, okanye i-9,12 .XNUMX lbs.
Ngo-Epreli ka-2020, iKhomishini yokuHlawula okuPhantsi yaqikelela ukuba malunga ne-7% yabasebenzi base-UK bahlawulwa umvuzo omncinci okanye ngaphantsi. Ngabasebenzi abazizigidi ezi-2 abafumana imivuzo ephantsi, ngamnye kubo unokukufanelekela ukwenza isicelo semali-mboleko yokuthenga ikhaya. Ingxaki kukuba abantu abaninzi baziva bengabandakanywanga kubunikazi bamakhaya ngenxa yokunyuka kwamaxabiso ezindlu nomhlaba, iimfuno ezinkulu zedipozithi, okanye ubuncinci bengeniso.
Ukuba nomvuzo ophantsi kunokunciphisa ukukwazi kwakho ukuboleka, kodwa kukho ababolekisi e-UK abaya kuqwalasela isicelo nokuba umboleki ufumana ngaphantsi kwe-£ 15.000 ngonyaka. Ukuba unomvuzo osuka ku:
Ngaba ungafumana imali mboleko kunye nomvuzo omncinci e-UK?
I-UK's Financial Conduct Authority (FCA) ibeke umda opheleleyo kwinani leemali mboleko ezinokuthi zinike: ngaphezu kwe-4,5 amaxesha omvuzo womntu. (Okanye amaxesha angama-4,5 ingeniso edibeneyo kwisicelo esidibeneyo).
Ngokombono wabo, 'iziqinisekiso zobungcali' sisishunqulelo senqanaba lemfundo elibonelela ngamathuba aqinisekisiweyo okuqhubela phambili kwekhondo lomsebenzi kunye neendlela ezizezinye zengqesho ukuba lowo ubolekileyo uphulukene nomsebenzi wakhe.
Abanye ababolekisi bapapasha izibonelelo zabo "zobuchwephesha bokubambisa". Kodwa ukuba awunazo iziqinisekiso zobuchwephesha, umthengisi oqhagamshelwe kakuhle njengeClifton Private Finance unokufumana ufikelelo kumaxabiso afanayo.
Ukulandela ukuguqulwa okukhulu kweshishini le-mortgage yi-FCA kwi-2014, iibhanki kunye nemibutho yokwakha ayikwazanga ukujonga ubuninzi bomboleki anokuhlawula (ukuqinisekisa umvuzo kunye neminye imithombo yengeniso).
Nokuba kukho i-5% yesikimu sediphozithi, uninzi lwabathengi bokuqala bafumana kunzima ukuhlawula ixabiso lepropathi ephakathi yase-UK kunye nediphozithi yabo kunye nokugcinwa kwengeniso, ngenxa nje yokunyuka okungafaniyo kwamaxabiso ezindlu.
I-Mortgage engenamvuzo kodwa i-asethi e-UK
Abathengi bokuqala banokunikwa amaxabiso ngaphandle kwemarike ngexabiso eliphezulu lobunini bamakhaya. Iingxelo ngokubanzi zisekelwe kubantu abafumana uMvuzo wokuPhila weSizwe. Ngawaphi amathuba okuba abo barhola owona mvuzo uphantsi banawo ukufikelela kwizindlu?
Namhlanje, imali yokubambisa ibalwa ngokusekelwe ekufikeleleni kwaye hayi nje ngokuphindaphinda umvuzo. Ngokweengxelo zamva nje, umthengi wokuqala wanamhlanje uneminyaka engama-30 ubudala kwaye ubeka idiphozithi ye-16%, kunye ne-mortgage ephakathi kwe-£ 137.700, eboleka amaxesha angama-3,59 ngokudibeneyo okanye ingeniso yomntu ngamnye ye-£ 40.704 [1].
Ngokutsho kweBhunga lababolekisi bezindlu, umyinge wokuqala othenga ikhaya uboleka ngaphezulu nje kokuphindwe kathathu kumvuzo wakhe. Ngesi siseko, ngomvuzo we-£ 12.500 unokufumana imali-mboleko ephakathi kwe-£ 40.000 kunye ne-£44.000 yesicelo esinye.
Ukuba wenza uphando lwepropathi kwi-intanethi, uya kufumana amakhaya amabini anamagumbi okulala amathathu ukusuka kwi-£20.000 ukuya kwi-£60.000. Amanye anokuba ngamaxabiso akhokelayo anezindlu ngenxa yefandesi, kodwa zininzi kwimarike evulekileyo kwaye iibhidi zilindile.
Ngaba ungafumana imali mboleko kumvuzo wakho weyure e-UK?
Sifumana imbuyekezo kwamanye amahlakani aneentengiso zivela kweli phepha. Asikhange sihlolisise zonke iimveliso ezikhoyo okanye unikezelo. Imbuyekezo inokuphembelela indlela unikezelo oluvela ngayo kwiphepha, kodwa izimvo zethu zomhleli kunye neereyithingi azichatshazelwa yimbuyekezo.
Uninzi okanye zonke iimveliso eziboniswe apha zivela kumaqabane ethu asihlawulela ikhomishini. Le yindlela esenza ngayo imali. Kodwa isidima sethu somhleli siqinisekisa ukuba izimvo zeengcali zethu aziphenjelelwa yimbuyekezo. Iimeko zinokusebenza kunikezelo oluvela kweli phepha.
Ukufumana imali mboleko yendlu kufuna ukuba lowo ubolekayo (wena) aphendule imibuzo emininzi. Kwiimeko ezininzi, ukongeza ekujongeni imbali yakho yetyala, amanqaku etyala, kunye netyala langoku, umbolekisi we-mortgage uya kufuna ukwazi ukuba ungakanani umvuzo onawo, uzinze kangakanani, kwaye uvela phi. Ngokulungiselela le mibuzo kwangethuba, uya kudlula kwinkqubo ye- mortgage kwaye ekugqibeleni ufike kwikhaya lakho elitsha ngokukhawuleza okukhulu.
