Yintoni a mortgage ngaphandle ingeniso isiqinisekiso

Kwiminyaka yakutshanje, ngakumbi ngakumbi zithandwa zonke iintlobo mboleko. Akumangalisi oku, kuba lula kakhulu kwaye kube mnandi kakhulu ukuba luqhubeke ezinqwenelekayo, hayi behlupheka salinda ixesha elide ngenxa yokungabikho kwemali, yaye ngokufuthi ngokuyeka ekufezekiseni amaphupha abo ngenxa yesizathu esifanayo.

Ubomi ngetyala sele kuba yinto eqhelekileyo, yaye abantu basoyika kangangokuba ingcinga wokufumana ukuboleka imali ebhankini. Onokuwoyisa ngayo umqobo lwangaphakathi, kodwa ukuba ukufumaneka ngetyala baba ngakumbi ngexesha bakuba nje yazuza kwayo?

Ziintoni ezifunekayo iibhanki kunye isicelo semali-mboleko? Abazange zitshintshile. Phakathi kwazo kukho amaxwebhu ezifanayo yesazisi (ipaspoti wesizwe, njalo njalo), kunye nephepha, ubungqina bengeniso yomboleki elizayo: isiqinisekiso sengqesho, nto leyo ebonakalisa yonke ingeniso umqeshwa kunye imali yerhafu ihlawulwa kubo. Yiloo nto kuphela yinxalenye yeemfuno yokugqibela kula maxwebhu kwaye ibangela iingxaki ezinkulu ekufumaneni ngetyala. Izizathu oku kunokwenziwa. Yinto akukho mfihlakalo ukuba abaninzi ahlawulwe iimvulophu, ongayi kuba nako kubonakala uncedo ezifuneka kakhulu ukufumana imali-mboleko ebhankini. Ukongezelela, abaninzi baye imithombo yengeniso, hayi kungqinwe nawaphi amaxwebhu. Indlela ukuba kule meko?

Ukuba awe kolu didi, musani ukuyixhalela, iphupha lwakho iseza kuphumelela. Uya kuza kubanceda ukuba kwakude kudala wabonakala phezu yibhanki lemarike inika mboleko ngaphandle yokuqinisekisa yengeniso. Le credit lufumaneka kwiibhanki ezininzi, kokuba ikhutshwe iimfuno ezahlukeneyo. Ukuba izicwangciso zakho iquka ukuthenga indawo yokuhlala, indlu okanye nayiphi na enye impahla, mortgage kunokwenzeka ngaphandle yokuqinisekisa yengeniso. Ngaphandle imibuzo kwimivuzo angafumana kunye mboleko auto kunye nemali mboleko. Akusayi kubakho ngaphandle, kunye ikhadi lamatyala. Ngaphandle ubungqina bengeniso ziyafumaneka phantse kuzo zonke iindidi mboleko.

Kakade ke, iibhanki azikho nje lula Ukuphandwa ngokufumaneka mboleko ngaphandle kokuba nayiphi na isiqinisekiso sokuba obolekayo uyakwazi ukuhlawula kubo. Loan ngaphandle kokunika ubungqina bengeniso, ikakhulu ngenxa abaxhasi ukholose nembali entle ngetyala. Kwakhona, umzekelo, mortgage ngaphandle ukuqinisekiswa ingeniso kunokwenzeka, ukuba umthengi kwezinye enye indlela angabonisa ukubaluleka kwabo kunye yokuhlawula amatyala, umzekelo, ukunika amaxwebhu ubunini nayiphi na ipropati exabiso, ezifana indawo, okanye ukubonisa ubukho eninzi imali kwi akhawunti yebhanki yawo. Ukulihlawula enkulu phantsi, ukuba ibonelelwa kwimigaqo-mboleko, kukho kwakhona amathuba impendulo entle kwisicelo ngetyala, kuquka ezinkulu ezifana njenge mortgage ngaphandle yokuqinisekisa yengeniso.

Mboleko ngaphandle izatifikethi yengeniso basoloko aphezulu amanani, kunye zexesha elifutshane, oko ke usisiqinisekiso yebhanki amathuba yokulahlekelwa imali yabo. Ukungabikho kolwazi malunga kwingeniso phakathi amaxwebhu lowo ubandakanyekayo uya kusoloko kubonakala kumgca yamatyala ezinikezelwa yi ebhankini, ezifana ikhadi lamatyala.

Zonke ezi zithintelo, Kakade ke, musa ukongeza kwi lula kwinkqubo yokufumana ukuze ufuna imali, kodwa, phezu kwazo nje iingxaki ngokubonelela iziqinisekiso zengqesho, unalo ufikelelo iintlobo ezininzi mboleko, kubandakanywa nezivumelwano zokubambisa ngaphandle yokuqinisekisa yengeniso.