Caawinta Deynta Lacag -bixinta

Dhammaan howlaha annaga nala shaqeeya si qarsoodi ah ayaa loo xafiday si xogtaada loo ilaaliyo mar walba intaad u adeegsanayso deynsiga degdegga ah ee aad u baahan tahay. Ugu dambeyntii, dayn -bixiyuhu wuxuu rabaa inuu hubiyo inaad si raaxo leh u awoodi karto dib -u -bixintaada, iyo in lagu amaahiyo lacag caddaan ahi kuma sii xumayn doonto xaaladdaada maaliyadeed. Amaahdu waa inay noqotaa hab lagu caawinayo sare u qaadidda xaaladdaada maaliyadeed, aan uga sii darin, which is why a lender should perform a full credit score verify when you accept a loan.

This looks into your income and outgoings to determine whether it is possible for you to to afford the repayments on the mortgage deal under discussion. Sida iska cad, this may also have an effect on how a lot a lender will be keen to lend you. The loan-to-value ratio is the share of the property’s value that you just are trying to fund with a mortgage. People with clean, healthy credit information will typically be able to access a 95% LTV mortgage. If you sadly have black marks in your credit score historical past, then you can count on to be requested to put down a bigger deposit of perhaps 15% ama ka badan (meaning the LTV ratio of your mortgage can be 85% ama ka yar).

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Amaahda lacag bixinta ama amaahda muddada gaaban waxay si gaar ah waxtar u yeelan kartaa markii aad la kulanto kharash lama filaan ah oo aan sugi karin. Nidaamkeena fudud ee softiweerku wuxuu si toos ah uga dhigayaa inuu amaah ka helo guddi deyn bixiyeyaasheena hogaaminaya warshadaha, waqti kaa luminaya noloshaadana kuu fududeynaya.

Ha cabsanin in kastoo, waxaa jira tan oo shirkado amaah ah oo caddaalad ah oo raqiis ah halkaasna aad adigu iska rogi kartid markaad u baahan tahay deyn lacag ah, oo ay kujirto Moneyline. Waxaan qiyaaseynaa in qof walbaa ay tahay inuu helo fursad uu ku helo cadaalad amaah deyn iyo amaah aan qaali ahayn. Waqtiga, shakhsiyaad badan ayaa ka cawday tirada badan ee lacagta kaashka ah ee lagu soo oogay markii ay deyn qaateen. Shirkadaha sida Wonga iyo Quickquid ayaa lagu amray inay dib u soo celiyaan tiro aad u badan oo magdhow ah.

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Si kastaba ha ahaatee, way ku xaddidan yihiin inta jeer ee ay ku rogi doonaan amaahda, waana inuu ku siiyaa xaashida macluumaadka wakhti kasta oo ay la socdaan waxyaabaha alaab-qeybiyeyaasha talobixinta deynta lacag la’aanta ah. Qiimo badan oo macquul ah oo kaladuwan oo loogu talagalay amaahda mushahar bixinta ayaa ah amaah ka socota ururka amaahda. Shirkadaha amaahda guryaha ee maalinta mushaharku waxay suurtogal u tahay inay xayaysiiyaan amaahda maalinta mushaharka ee arrimaha sida habeennada oo kale, dhar cusub ama daaweyn kala duwan.

Waxaan sidoo kale kaala shaqayn doonnaa inaan si wadajir ah u dhigno qorshe magdhow ah oo aan ku qanacsanahay in dhaqaalahaagu yeelan doono awood uu ku maareeyo, taasi micnaheedu waa inaad naga amaahan karto oo aad ku raaxaysan karto degganaansho buuxda oo maan ah. Haddii aad danaynayso inaad codsato amaah waqti gaaban ah oo UK ah, dhammaystir adeegyadeena on-line-ka ee bilaashka ah. Software -kayagu wuxuu qaadan doonaa faahfaahinta aad bixisay wuxuuna la jaan qaadi doonaa deyn -bixiye doonaya inuu hubiyo. Haddii aad dareento in si khaldan laguu soo iibsaday ama si xaqdarro ah laguu maamulay waxaad awoodi doontaa inaad samayso dacwad ah in shirkad dayn guriyeedka ah ay tahay dayn -bixiye aan mas'uul ahayn. Tan iyo markii ay 2014 Deyn -bixiyeyaasha amaahda maalintu waxay ka hooseeyaan awoodda FCA . Xeerka Deynta Macaamiisha 1974 Intaa waxaa dheer macnaheedu waa in dhammaan amaahiyayaashu ay haystaan ​​shati si ay u siiyaan dhibcaha dhibcaha macmiilka. FCA waxay tilmaamaysaa shatiyadaan, waxayna tixgeliyaan amaahda mas'uuliyad darrada ah kahor oggolaanshaha.

Amaahda mushaharku waa caadi ahaan amaah muddo gaaban ah oo deyn bixiyuhu u qaato si uu u daboolo dhaqaalahooda illaa mushaharkooda soo socda uu yimaado. At buffa, maaddaama aan amaah-bixiyeyaasha tooska ah loola xisaabtami doono waxaan bixinnaa deyn bixinno badan oo is-dhaafsi badan si aan dadka uga caawino muddada kooban. Waxaad dooran kartaa inaad dib u bixiso deyntaada maalinta lacag bixinta, ama waqtiyo ka badan saddex illaa 6 bilood. Amaahda lacag-bixinta ayaa waxtar leh haddii aad u baahan tahay deyn yar, inta badan inta udhaxeysa £ 100 iyo £ 2,000, si deg deg ah ogeysiis. Amaahda mushaharka ee Boqortooyada Midowday waxaa loogu talagalay inay siiso shakhsiyaadka galaangalka lacagaha biilasha aan la filayn. NowLoan waxay ku siineysaa si dhakhso ah oo fudud oo aad ugu heli karto noocyo badan oo ah amaah bixiyeyaasha amaahda guryaha ee UK, iyo adeeggayaga bilaashka ah iyo adeegga adeegga ayaa soo bandhigaya go'aammada deynta guryaha ee mushaharka degdegga ah. Shakhsiyaadka ayaa dooran kara inay qaataan amaah damaanad qaadaha ama maalinta aan la bixin amaah damiin.

• Deyn bixiyeyaasha mushahar bixintu badanaa waxay ku darsadaan xiisaha dheeraadka ah iyo, xaaladaha qaarkood, deynta ku wareeji taas macnaheedu waa inay ku amaahin karaan xitaa lacag ka badan si aad u daboosho magdhowga.
• Haddii deyntaada mar dambe la oggolaado, Waxaan kuu soo gudbin doonaa lacagta ama waxaan u diri doonaa lacagtaada koontadaada oo waxaan ururin doonaa lacag bixin toddobaad kasta labadaba oo ka baxsan koontadaada hubinta ama qof ahaan oo ku tiirsan duruufahaaga.
• Si kastaba ha ahaatee, Tani caadi ahaan kuma filnayn oo waxay ka tageen baakidhkooda mushaharka oo aad u fudud bisha xigta, sidaa darteed amaahda maalinta mushaharka oo leh waqti dheer oo magdhow ah ayaa ka dhigaysa amaahda tiro yar oo la maareeyo inta badan dadka.
• Shakhsiyaadka qaarkood way ka labalabeeyaan inay ku daba-galaan soo celinta amaahda mushaharka sababta oo ah waxay ka codsadeen caawimaad deyn bixiyaha si kastaba ha ahaatee ma helin - ama ma helin caawimaadda saxda ah.

Tani waxay ka dhalatay deyn bixiyeyaasha oo qiimeynaya khataraha la xiriira bixinta lacag caddaan ah. Haddii aad haysato taariikh dheer oo taariikhi ah oo ku saabsan lacag bixinta la seegay, waxay noqon kartaa tilmaame ka hortag ah. Si loo helo faham wanaagsan oo ku saabsan warbixinta dhibcaha dhibcahaaga maxaa diidaya inaad isku daydo degel ka warbixinta dhibcaha dhibcaha oo bilaash ah oo u dhiganta noddle. Horay waxaa loogu kala saaray deyn yar oo laga yaabo in dib loogu bixiyo si buuxda maalinta xigta ee mushaharkaaga. Si kastaba ha ahaatee, hadda waxay guud ahaan u soo gudbiyaan bixiyeyaasha badankood sida muddo-deyn muddo-gaaban, ku faafay bilooyin badan taasoo keentay qorshe lacag celin badan oo la maareyn karo. Satsuma caadiyan ma aha dayn -bixiye mushahar bixin si kastaba ha ahaatee waxaan tixgelineynaa dhammaan duruufaha, si wadajir ah oo leh sumcad xumo. Waxaan dhammaystirnaa imtixaanka dhibcaha dhibcaha sidoo kale waxaan tixgelinnaa duruufahaaga gaarka ah oo qayb ka ah go'aankeenna.

Haddii aan oggolaano deynta gurigaaga, waxaad dooran kartaa in lacagta laguugu soo diro lacag ama si toos ah loogu diro koontadaada bangiga. Waxaan ka bixin doonnaa lacagahaaga toddobaadlaha ah albaabkaaga ama si toos ah koontadaada jeegga. Codso onleenka doorashada hore iyo, haddii aan oggolaano korontadaada oo aad rabto inaad sii waddo, wakiil ayaa kula hadli doona si uu u sameeyo qiimeyn la awoodi karo. Haddii deyntaada mar dambe la oggolaado, Waxaan kuu soo diri doonaa lacagta ama lacagta ayaan kuugu soo diri doonnaa koontadaada oo waxaan ka soo ururin doonnaa toddobaad walba dhaqaajinta koontadaada bangiga ama shaqsi ahaan ku tiirsan duruufahaaga. Markaa haddii duruufuhu is beddelaan, oo waxaad bixin kartaa amaahda hore, ka faa'iideyso amaahdayada lacag-la'aanta ah ee aan khidmadda lahayn oo naftaada lacag u badbaadi.