Ukuba ndithatha i mortgage: ngeengcebiso zeengcali

Mortgage njenge nto ke iye riveted ingqalelo kunye nezentlalo nokuphazamiseka kanye njengokuba kakhulu, njengoko elalinika azimele, kwiivawutsha kunye namanye amatsha efanayo karhulumente.

Emva kokuva iimbono ezininzi, amabali asuka kubahlobo babo, ethembisa iindaba kusuka kwiindonga, elowo isongiwe yodwa uluvo lwakho ngale hlobo mboleko. Kodwa ke umbuzo ephambili ukuba abaninzi baye bakwazi ukuphendula ngokwakho - nokuba sokuthatha i-mortgage - nangoku elindele uvavanyo injongo yale meko. Ukhankanye ukuba angabi iingcali beebhanki, kungekhona abemi, ukufumana iphepha elirhoxisa okanye imvume, emva koko zatshintsha ngesiquphe iimeko ukuba mandundu. Ngamnye kwaba bantu abakwazi ukunika impendulo njongo. Makhe kuziguqulela izizwe asingethe mortgage yonke imihla, hayi nje uyazi zonke izinto zayo, kodwa kwakhona ujongene yobunzima zavunyelwa ngokosuku yetyala.

Loo mntu broker zokubambisa okanye yincutshe indlu. Akazange ukunika impendulo ecacileyo kumbuzo zethu - nokuba athathe mortgage - uthi, ziziphi iimeko sikufanele, yaye yintoni na.

Masiqalise nemeko ezimnandi kakhulu, nto leyo kweli lizwe lethu kunqabile. Abantu thatha sokubambisa, ukuba impahla yakhe, yaye umvuzo likuvumela ukuba uhlawule iintlawulo zenyanga-mali ka-15 ukuya kuma-20 amawaka. Engange, ngaphandle kwefuthe imali yentsapho. Oku ke umboleki ogqibeleleyo ebhankini, kwafunyanwa kanye 100 iinkonzo (ukuba ngaphantsi).

Ukuba ndithatha-mboleko ukuba ipropati akakho, kodwa uya kwenza umsebenzi oncomekayo kunye irente kwi 9-10 amawaka. Hlikihla., Kodwa hayi ngaphezulu kwe koko? iintlawulo zenyanga kwi mboleko iza kuthetha ukuba malunga efanayo, xa uthatha indawo enegumbi elinye kwisakhiwo esitsha (ukusuka umphuhlisi okanye umtyali - eyona nto iphambili ukuba umntu zomthetho). Yeyona inkqubo ukhetho yemali inzuzo. Ukuba ngaba bachelor okanye isibini oselula, okanye usapho olunye-umzali nomntwana omnye --mboleko ukuba simse ngaphezu ngokuqesha indlu.

Nokuthathelwa indawo Kwakhona thatha ukuphucula iimeko zabo zokuphila, bafudukele kwenye indawo okanye isixeko. Kulo mzekelo, isixa esikhulu semali ongazifuniyo, kufuneka kuphela umahluko phakathi kwexabiso zokuhlala bathengisa kunye lufundiwe (ngokuqhelekileyo, esi sixa-300 lamawaka. Hlikihla.). Kwaye ukuze nenze kakuhle enkulu neipotechnym ngetyala. Nangona rates inzala efana ngentla, kodwa ixesha ntlawulo iimfuno zibencinane kwaye kancinci kakhulu ukuba mboleki.

Fumana bangafumana imali-mboleko kunzima kakhulu. Kuza kufuneka uluhlu lwamaxwebhu, umonde kunye nexesha. Ibhanki uyala mboleko rhoqo. Kwaye ke nobangela yokusilela imbali kwezamatyala, irekhodi yolwaphulo, ukunqongophala ingeniso ukuba uqinisekise ngandlel 'ithile. Kodwa kukho onyanisekileyo ngakumbi kule program. Umzekelo, Zapsibcombank ibonelela mortgage nokuba ngaba unembali embi, kodwa komqathango wokuba kulibaziseka akazange kuyenza ngenyanga ngaphezulu kwe-1, yaye musa ukudlula ngaphezulu kwe-5.

Mortgage angafanele uthatha ukuba ubomi bakho obuqhajelweyo utshintsho ezinkulu: umhlalaphantsi, uqhawulo-mtshato, ukutshintsha umsebenzi, Ithemba Ukongeza entsatsheni. Ukuba umthombo wakho ingeniso ayinakuthenjwa: xa zokulahleka naziphi na iintlawulo ebesilindelwe, uze ungaphulukana indlu uthenge. Emva koko uya kusala ungenanto.

Ukuba, emva kokuba ithe ukuba akukwazeki ukufumanisa ukuba okanye hayi ukuba athathe sokubambisa, ngoko kufuneka udibane nge yincutshe.

Xa imizi yelizwe lethu wavula izindlu ezininzi labarhwebi, phantse zonke arhente real estate uye abaziingcali mortgage yokubolekisa. Okubonisana kwi-ntle mortgage, njengoko umthetho, ngaphandle kwentlawulo. Kodwa ke ukuba ngaba ukwethemba middlemen, sinako vula ukuba umqeshwa yebhanki kwisebe yemali. Kodwa zingaphelelanga icebiso ebisebhankini enye kuphela. Ngokuba umfanekiso opheleleyo ngcono ukuphepha zonke ii-ofisi kwidolophu yakho, yaye, mhlawumbi, kwi ziko yengingqi kwindawo yakho. kuphela ke uya kwazi ukuba mortgage ilungile kuwe, nokuba kuya kukunika. Kungcono kusoloko ukwazi kunokuba ukuba ukuzisola ukuba ephosiweyo thuba.