Imboleko yokuboleka indlu yokwakha

Iphupha lendlu yelizwe lenu linokuba yinyani nangona kungekho mali eyaneleyo yokwakha. Ukwenza oku, ukwanele ukufaka isicelo kwenye yeebhanki kwaye lolu hlobo lwemboleko, njengemali yokuthenga imali yokwakhiwa kwendlu, uya kuqinisekiswa ukuba uya kukhutshwa. Olu hlobo lokuboleka lungafumaneka nakwi-broker. Konke kuxhomekeke kwimbali yakho yemali, kwaye lixesha elingakanani uzimisele ukuyisebenzisa ekufumaneni.

Iinkonzo kunye noLondolozo lwalezi zibonelelo

1. Sikhipha imali mboleko kwi-bhanki.

Ukufaka isicelo kwibhanki nokufaka isicelo semboleko, kunye nokukhupha onke amaxwebhu afanelekileyo, kufuneka ulinde ixesha elide.

Ngexesha elifanayo ukufumana loo mboleko, njengemali yokubolekwa kwemali, kuya kufuneka ukuba unikezele inani elininzi lamaphepha, kwaye ngokufanelekileyo uchithe ixesha elide. Kodwa kukho enye inye. Kuqulethwe kukuba kwibhanki inzala yomyinge kwi-mortgages yokwakha indlu iyancinci kuneleyo yomthengisi, kwaye kuphela ngenxa yokuba umthengisi, ukuba usebenza kuye, wenza yonke loo misebenzi ukufumana imali ebolekayo kuwe. Ngoko ke, abaninzi namhlanje banqwenela ukubhalisa nokufumana imali mboleko ngomthengisi. Kukho izizathu ezininzi zezi, esiza kuzama ukuzithetha ngezantsi.

2. Sikhipha imali mboleko ngomthengisi.

Ukuqala, igama elithi "broker" lithetha inkampani ekhethekileyo enenjongo enkulu ekuncedeni umxhasi ekufumaneni umboleko webhanki. Ukwenza ubomi kube lula kubangenawo abo abangakwazi ukuthabatha uxwebhu ngqo kwi-bhanki ngesizathu, njengemali yokuthenga imali yokwakha indlu, kodwa nakwabo abafuni ukuchitha ixesha elininzi kuzo zonke ezi phepheni. Ngoko ke, xa ufumana imali mboleko nge-broker, unako ukuxhomekeka kwezi nkonzo ezilandelayo:

A) Umthengisi othembekileyo wempahla uza kuthatha imali efanelekileyo yokuthenga imali. Ngenxa yobuninzi bobolekayo, imbambano ebaluleke kakhulu ihlala ikhetha ukuboleka imali eninzi. Okokuthi, umthengisi ukhokelwa ngamathuba akho kwinkokhelo yenyanga yenyanga mboleko kunye namalungelo ngokubhekiselele kwikhaya elithengiweyo.

B) Ngokuchanekileyo kwaye ngokukhawuleza udwebe isicelo. Ukuqaphela konke ukufunyanwa kweemfuno zabboleki kwibhankthi ethile, umthengisi wemali uya kubakho ukubonisa umviwa wakho kwisona esona sikhulu kwaye ulungiselele yonke ipakethe yamaxwebhu afanelekileyo. Ukwahluke phakathi kwendlela yokuqhathanisa isicatshulwa, kunye nendlela igosa eliqhuba ngayo ishishini likhulu kakhulu kwaye linokubaluleka kakhulu.

C) Lungiselela isivumelwano semboleko emva kokubala kunye nokuvuma isixa semboleko kunye nomthengi. Ngokwezibalo, inani lezigqibo ezifanelekileyo kwizicelo zemboleko ezifakwe kwiprofensi. Brokers, ngo-30-40% ngaphezulu kunezicelo ezivela kubboleki ngabanye.

D) Eyona nto igcina imali kwimali-mboleko.

Ukubolekwa kwemali, apho imali yokubolekwa kwindlu yelizwe ifakwe ngokusemthethweni, yinkqubo eyinkimbinkimbi, kwaye iindleko zemali mboleko ayikuphela kwintlawulo yenyanga. Ngoko ke, nangayiphi na imeko ethile, baya kuba ngabanye. Umthengisi uza kunceda ukwenza izibalo ezifunekayo aze athole "iingozi" ezibonakalayo kwisivumelwano esicetywayo. Emva kokukhangela ezi nkcukacha, inkontileka yokubambisa ihlawuliswe ngokuxhamla ngokuxhamla kumxhasi.

E) Yenze ukuhlaziywa kokuthengiselana (ukuba amaxabiso emalimboleko awa). Ngoku e-Russia kukho inkqubo yokuhlaziya imali-mboleko, kwaye le nkonzo isebenzisana ngokuthe tye kwaye ilawulwa yibo bonke abathengi bemali. Ngubo abenza ukuzaliswa ngokupheleleyo kweentengiso ezihlobene nokuhlaziywa. Okokuthi, ukuba izinga lokuthenga ngetyala liyahla, inkampani iya kuphinda iphinde ibuyele phantsi kwesivumelwano somboleko.

F) Fumana umbolekisi othembekileyo. Lowo ongayi kunqaba ukukhupha imali mboleko. Ukukhanyela ukunika imali mboleko kumntu wendalo okanye womthetho yimeko eqhelekileyo ebhankini. Kwaye kukho izizathu ezininzi zezi. Yiyo loo nto, kwaye iyakwazi ngokukhawuleza kwaye ikhuphe umthengisi wemboleko, othatha uxanduva ngokupheleleyo.

Zonke iingeniso zokufaka umthengi wemali yokuthenga imali ukuba zifumane "imali yokuboleka indlu" kubonakala. Ngoko ke. Ukuba unomdla kulo mnikelo, siya kuvuya ukuncedisa kule mba, qhagamshelana nathi!