Mboleko-mboleko mboleko: njani yaye nini ukutshintsha iibhanki

Abantu abenza isicelo mboleko iminyaka engaphezu kwama-2 eyadlulayo, ujongene nobunzima izimanga angazithandiyo ngohlobo rates inzala ephezulu (kule mvumelwano yajika ukuba ifuthe zimakishwe), ngohlobo yeMisebenzi ezinkulu kwiimeko zenkqubo. Kakade ke, beqonda ukuba ukuba bakuphephe ngokukhupha mortgage ngoku, ukuba uxakekile.

inkqubo ukubolekisa Mortgage njani ukuphuhlisa, iimeko musa ukuyenza ekhoyo iinkqubo nabo bonke, kodwa imikhosi ukhuphiswano iibhanki ukuba bakuthembe.

A program mortgage entsha

Ngoko kwabakho inkqubo 'ekukhutshweni kwemali mboleko ", nto leyo ngoko nangoko bafumana abathengi (10 of 100 kubaboleki kwenye kunayo iibhanki mortgage ukuluthatha yale sipho). Olu hlobo mvumelwano ukwabizwa ngokuba phezu-ematyaleni, kwaye abanye ngokuqhula bathi "uqhawulo-mtshato kunye ebhankini." It ikuvumela ukuba ukufumana imali-mboleko evela kwenye yebhanki ngokwemiqathango abangenabani ngakumbi: ngokuguqula ixesha, umyinge, indlela intlawulo, lwemali mboleko. Kwaye ukuba ahlawule ityala okhoyo.

Kukucwangcisa kwakhona mortgages ezibizayo

Ukwenza amalungiselelo mortgage ukuhlawula ityala nenye ibhanki, kuyimfuneko ukuba uqokelele iseti eqhelekileyo yamaxwebhu aze aqhoboshele amaxwebhu ukulungiselela ukhuseleko. Kakade ke, ibhanki ugcina ilungelo lokwala, kodwa ukuba wena akunguye neye ngolunya, ukuba akukho kulibaziseka, akunanto umoyike.

Nakuba kunjalo, kufuneka zilungele ixabiso elitsha nge -mboleko kunye kwenye ibhanki. Mortgage refinance mboleko iya kuxabisa malunga nama-30 amawaka. Hlikihla. Iindleko ezongezelelweyo ziya kusetyenziswa kwakhona yobhaliso ukuthenga nokuthengisa kule ndlu kwesivumelwano; umsebenzi karhulumente sokususwa ndedwa, ubhaliso deal elitsha Companies House. Ndihluthi, ndizamkele nje ibhanki ezintsha isixa ayimfuneko elilingana abanye kuwe ityala mortgage, uya kukwazi ndokuhlawula, kodwa kufuneka uhlawule ibhanki uthumo yangaphambili uhlawule ekuqaleni. Kodwa ke, nangona zonke ezi nkcitho, khumbula ukuba uza kumsindisa ngokuguqula umbolekisi, ie Bank.

Ngaphandle kwento yokuba yezemali mboleko mortgage kakhulu anzima kwaye engaqhelekanga ukuba baseRashiya, le mveliso ufanelwe ingqalelo kuba oko kunika mboleki sizimisele ngakumbi. Ngapha koko, ngoku wonke ummi ziya kuba nako ukutshintsha ebhankini, ukuba ufumana iimeko zivuma ngakumbi, okanye ngaba kwanyanzeleka iingxaki zemali.

izincomo

Khetha inkqubo ukubolekisa sokubambisa kunye bathobe inzala kunye namanye amagama kakuhle ngakumbi ukunciphisa intlawulo yenyanga: ukutshintsha ixesha indlela intlawulo, kwaye mhlawumbi lwemali.

Mboleko mboleko ikhaya yenza ingqiqo ukuze ukuphuma, ukuba ukususela ekudalweni yokuba bafumane mortgage yabamba ubuninzi engama-2. Oku kungenxa ekuhlawuleni inzala kwiminyaka yokuqala emva kokuba yentengo, hayi imali-mboleko. Emva kweminyaka 3-5 neenzuzo ekukhutshweni kwemali wena uya kuvakalelwa nawuphi na umahluko.

Yezemali nezinye iintlobo-mboleko

Mboleko inikelwa ziibhanki kwisikhokelo lweenkqubo mortgage liboleke abanye, kodwa maxa wambi kukho ezinye izicelo: i yezemali nkonzo mboleko, mboleko zemoto, credit imali. Ezi ntlobo nkonzo kufuneka usebenzise ukuba ufuna ukutshintsha imali-mboleko xa kuthe ukutshintsha ngokuphawulekayo okanye izinga xenga. Ezinye iibhanki bazimisele refinance kunye iicredit cards, ukunika abathengi kunye ukukwazi ukwenza iintlawulo rhoqo. Ke mboleko imoto: kaninzi umxhasi kukho imfuneko yokuthenga imoto entsha, kodwa ke ixesha lesivumelwano akakaphumezi. Yenye yeebhanki ezinkulu kwaye ezinkulu - Raiffeisen - ecetywayo isisombululo umdla. Client Uyamhlangula imoto ethengelwe nto leyo kodwa zingekahlawulwa, esaluni, ufumana imali ahlawule intlawulo okokuqala kwi-mboleko entsha. Ngaloo ndlela, kuyenzeka ukuba athenge imoto entsha imodeli. Yintoni abathengi abaninzi kunye neebhanki baye bakholiswa kakhulu.

Mboleko mboleko mortgage, kwakunye nezinye iintlobo iinkqubo, linyuke kakhulu Iphothifoliyo iinkonzo zebhanki, unako ukuphucula imeko client, ngokunika ukhetho. Kwaye zonke ngenxa yokhuphiswano esempilweni.