Kuthekani ukuba akukho mali ukuhlawula imali-mboleko? Inkcazelo, iingcebiso kunye neengxaki iingxaki

Ngelishwa, abantu abaninzi abo uqulunqa-mboleko, musa ukucinga loo nto bayagula, uphelelwa ngumsebenzi okanye ukubuyela kuyo nayiphi na imeko enzima. Ngokuqhelekileyo, iingxaki yokuhlawula amatyala hayi ngenxa yeengxaki kwezoqoqosho lwehlabathi kwaye lwasekhaya, kwaye ngenxa yokuba kubaboleki bengenako ukubala ngamandla abo. Ngenxa yoko, abaninzi kubo emva kweminyaka embalwa ukuqala ndaqonda ukuba akukho nto ukuba ukuhlawula imali-mboleko (mortgage). Kufuneka wenze ntoni Kwiimeko ezinjalo, uza kufunda ngokufunda eli nqaku.

Yintoni esongela non-ekuhlawuleni imali-mboleko?

Yinto akukho mfihlakalo ukuba mhlaba uthengiweyo ngetyala eseliganiwe kwiziko yebhanki de kuhlawulwe ngokupheleleyo kwetyala. Kwimeko lwentlawulo non-mandatory ngenyanga ebhankini unalo ilungelo lokuthengisa impahla aqokelele imali ukuqokelela ityala.

Abo banomdla, ukuba benze ntoni xa kukho nto ekuhlawuleni imali-mboleko, Kufuneka siqonde ukuba indlu yabo makungathengiswa ngexabiso eliphantsi kakhulu. Ngoko ke, oko kudla iinzuzo evela kwintengiso mali musa ukugubungela ngokupheleleyo mboleko. Ngenxa yoko, obolekayo kusenokwenzeka ukuba ahlale abangenamakhaya nje kuphela, kodwa kunye kumatyala ezibangel ezityalwa ebhankini. Ukongeza, yena, ndayihluthwa nkqu imali yaqukwa kwi-mboleko ngaphambili. Ngoko ke, inyathelo lokuqala kufuneka kuthathwe ngokukhawuleza ubolekayo uqala ukuqaphela ukuba akukho nto ukuba ukuhlawula imali-mboleko.

Kufuneka wenze ntoni ukuze kusala ungenanto?

Into embi ezinokuthatha umntu abe kule meko, kuba eli ligatya iintlawulo ityala. Into yokuqala eya kwenza ibhanki - kuquka ebizwa ngokuba yi- bahlawuliswe. Oku kudala ingozi yokuba amatyala iza kukhula ngesantya esothusayo. Emva koko, amanye amaziko nokuqalisa ukuchaphazela engqondweni umboleki. Xa course iminxeba yomnxeba kunye neeleta khumbuzo malunga kwiinkundla kunokwenzeka. Kuba abo banomdla ukuba benze ntoni xa kukho nto ukuba ukuhlawula imali-mboleko, kufuneka ukuba siyilungiselele loo xa kuthe yibhanki non-intlawulo abakhwetha iinkqubo zezomthetho. Isingqi yokugqibela uya kuthengisa indlu nge kwentengiso. Nokuba ngummeli wowona lwezindlu zibhalisiwe abantwana abancinci, amagqwetha ibhanki waphuma waza wazisa indlela kwakhona imali yabo. Ngoko ke, ukuze ukuba ziphulukane indawo yokuhlala kunye ityala elikhulu ebhankini, kufuneka sikhangele iindlela zokusombulula le ngxaki.

Option enye: ngokutsha

Kwiminyaka yakutshanje, kubaboleki abaninzi bengakwazi ukuhlawula imali-mboleko kwi-Savings Bank. Kufuneka wenze ntoni kwimeko enjalo, kuya kukushukumisela ukuba adibane oyingcaphephe ngubani na nolwazi kwezi zinto. Isisombululo sale ngxaki kukuba sokwakha ngokutsha eli tyala. Ukuba umntu lizama umthwalo ngetyala okanye nje waphelelwa ngumsebenzi wakhe, ngoko kungekudala uya kuqonda ukuba akanayo ukuthatha imali ukwenza intlawulo elandelayo.

"Ukuba akukwazi ukuhlawula imali-mboleko, ngoko yintoni ntoni?" - nomdla banamatyala ezininzi. Kulo mzekelo, kufuneka uqhagamshelane ebhankini. Njengomgaqo, ababolekisi mihla bengafuni ukwenza umnyinyiva, yaye ngokufuthi nobingelela ukuze bahlengahlengise amatyala. Ngamanye amazwi, le ubolekayo inikeza ukunciphisa isixa imali ngenyanga, okumsasazela kwithuba elide. Olu khetho luyingenelo kuphela singabanetyala; kodwa iibhanki, abafuna ukubuyisa imali yabo. Ukuze ufumane i ngokutsha, kuyimfuneko ukuba angenise-ofisi zebhanki isicelo ahambelanayo. Ukuba yonke into ingendlela, sokuboleka iya kufundiswa ukwenza aze asayine ucwangciso elitsha kwemali mboleko. Phantsi kwishedyuli kufuneka istampu ize isayinwe abameli abagunyazisiweyo yeziko.

Option Two: Insurance

Abo baxhalatyiswa ukuba benze ntoni ukuba awukwazi ukuhlawula imali-mboleko, kubalulekile ukukhumbula ubukho inshorensi. Kuyimfuneko ukuba ufundisise imixholo yawo. Kwiimeko ezininzi, iinkampani ze-inshorensi bakulungele ukuhlawula ityala yebhanki ukuba mboleki ezilahlekileyo ukusebenza ngenxa ethile yokugula okanye ukwenzakala okanye ukuba ngequbuliso waphulukana nomsebenzi wakhe.

Kuba intlawulo kuya kufuneka kuqokelela amaxwebhu ayimfuneko. Kuxobekeka kwezo meko, inshorensi angafuna isiqinisekiso kagqirha eqinisekisa ubukho iingxaki zempilo, okanye ikopi notarially eqinisekisiweyo umsebenzi kunye irekhodi ukugxothwa kunye eyiyo yomqeshi yangaphambili. Kufuneka iqondwe ukuba obangela ukuba umntu inshorensi ngokwayo kwabona self-umonakalo okanye lalithabatha kwimo kunxilwe ezinxilisayo.

Option ezintathu: ukukhangelwa kwizibhambathiso ezithile kunye lebhanki

Abo abazi ukuba benze ntoni, ukuba akukwazi ukuhlawula imali-mboleko, kufuneka kuqondwe ukuba umqeshwa bank iwela phantse yonke imihla ukujongana nengxaki efanayo. Ngoko ke, umntu onetyala kufuneka ukuba ukwala kwingcinezelo ukuya ibhanki ukukhangela ukusilela. It is hhayi ngaphandle ukuba iziko mali uyavuma ukuba ukunika intlawulo kuhlehliselwe okanye avunyelwe ukuba ahlawule kuphela isixa eyintloko ematyaleni. Eyona nto obolekayo unesizathu esihle, esebenzayo, leyo isenokuba kokuzalwa komntwana, ukugula okanye embi imeko yezimali.

Option Four: The ukulindela yomgwebo

Ukuba umntu lowo akakwazi ukuba benze ntoni ukuba awukwazi ukuhlawula imali-mboleko, ngempela iingxaki zemali, kunokwenzeka ukuba isiphakamiso nihlalele kwetyala. Olu khetho ukufeza eyinzuzo, kuba akukho inkundla iya amnyanzele ukuba ahlawule izohlwayo nenzala weza ebaleka, imali leyo inkulu kakhulu ngaphezu inqununu. Ukongeza, le onetyala uya kukwazi bavumelane negunya ngentlawulo yezavenge, kwaye maxa wambi ihlabathi umqondiso.

Phambi wepropati mortgaged ebhankini unelungelo lokufuna ukuba zokubuyisela batsaleleke kuye. Ukuba umntu onetyala wenza intlawulo ngaphambili, isixa inqununu iya kunikwa ebhankini kunye obolekayo ziya kufumana surplus. Kufuneka iqondwe into yokuba ukuphunyezwa kwe ngummeli wowona ziya inxaxheba kule bailiffs. Njengomgaqo, wathengisa ngayo ngexabiso kakhulu lancitshiswa.

Option Five: ekufuneni

Kuba abo bangakwaziyo ekugqibeni ukuba yintoni ezakwenziwe, ukuba akukwazi ukuhlawula imali-mboleko, Inokubuyiselwa Kucetyiswa ukuba uzame ukuvumelana-uboleka ukuya kwenye ibhanki. Oku elula ngokukodwa abo bakholelwa ukuba kungekudala iza kufumana isixa esikhulu, nto leyo eza kuluhlu ekuhlawuleni ityala. amakhadi amaninzi credit makafumane ixesha ubabalo ngexesha apho kungekho emtshatweni umdla. Kulo mzekelo, unako ukusindisa kakhulu. Nangona kunjalo, olu khetho kuneengxaki eziliqela. Ngokomzekelo, ezinye iibhanki aphetheyo ikhomishini hayi kuphela kunikezelo ikhadi; kodwa ukuze igcinwe.

Option ezintandathu: i Ukufunda ngenyameko yesivumelwano sentengo

abasebenzi Bank abantu kakhulu, nto leyo maxa wambi ukwenza iimpazamo. Ngoko ke sicebisa ukuba bonke kubaboleki abazibona nemeko enzima, funda ngenyameko umxholo kwekhontrakthi. Ukuba ibhanki wathengisa mboleko kwi-ofisi umqokeleli kaThixo, kuyimfuneko ukuhlola ubukho yemvume onetyala ukuze ukutshintshwa data iqela ethile wesithathu. Xa engekho, ibhanki andinalungelo ukudlulisela ulwazi malunga uboleke imali ukuba abangaphandle. Ngoko ke, ukufuduka, yena waphula umthetho, elikhusela iinkcukacha zakho, kwaye unetyala na akhutshwe kumntu wesithathu.

Ingongoma yesibini ekufuneka kugxininiswa, akukho nokuba unilaterally umyinge wenzala lenyuke. Ukongeza, kukho ezinye bokuqonda ezininzi ezibalulekileyo ukuze uqaphele ukuba igqwetha ofanelekayo kuphela. Ngoko ke, qiniseka ukuba ubonane yincutshe.

Option owesixhenxe: unikezelo izibambiso ezithengiswayo aqeshiwe

Nangona isibakala sokuba eli Lendlela ngokubonakalayo ukunciphisa umthwalo ngetyala kwi imali yentsapho, kufanelekile ukuba abo abanamatyala abo enye indawo yokuhlala.

Uyakwazi ukusebenzisa le ingcebiso, ukuba mboleko yathengwa kwigumbi eliphangaleleyo ibekwe kwisithili elite mzi. Kulo mzekelo, ukuze ukuqeshisa nkqu abo bangenazo enye indawo yokuhlala. Unga irenti nje indlu incinane kwaye kwindawo ekude kakhulu. Umehluko ke idweliswe ngeendleko kufuneka iintlawulo zokubambisa ngenyanga. Kakade ke, le ndlela iye kuneengxaki ezininzi ezibalulekileyo. Omnye wabo ingaqatshelwa ukungaphatheki ngokwengqondo ngenxa yokwazi ukuba abasemzini epheleleyo iza kuhlala kwigumbi lakho. Ukongeza, kufuneka ukuba uyithathele ingqalelo into yokuba izindlu kushiyeka kangangexesha elithile. Ngapha koko, bambalwa abantu ukuqeshisa yokuhlala ixesha elide. Musa ukulibala ukuba ixabiso kufuneka ibhili ngohlobo lwemali apho ukufumana-mboleko. Kulo mzekelo, lo mboleki abayi kuphulukana nemali ngenxa lwemali exchange.