Ukuze uqonde i inkcazo ye imali-mboleko yemali eninzi kuyimfuneko ukuyichonga njengemali-mboleko eyenziwe ngeemali ezingeyiyo ephathwayo kwindawo, efuna ingqwalasela enkulu ngaphakathi kweeparitha apho ukucubungula kwenziwa khona, echazwe kwinqaku elilandelayo.
Multi-currency mortgage imveliso enokuphathwa ngemali evela kumazwe ahlukeneyo
Inkcazo yemali-mboleko yemali eninzi
Imali-mboleko ( mortgage ) sisithethe apho umntu ashiya njengesibambiso enye yezinto zakhe, ngokukodwa ipropathi, kwiziko okanye kumntu omnike imali-mboleko, obizwa ngokuba ngumbolekisi; Ngale ndlela, ukuba umntu ocele imali-mboleko akayithobeli imilinganiselo echazwe kwikhontrakthi, umbolekisi uya kuba nelungelo lokufuna ukuthengiswa kwempahla ukuze aqokelele oko akutyalayo. I multi-currency mortgage inkcazelo Ibhekisa kwimali-mboleko yendlu enokuthi irhoxiswe ngeemali ezingeyiyo leyo yendawo.
Ezi zavenge zisekwe ngexabiso elahlukileyo ngenxa yokuguquguquka kwexabiso lotshintshiselwano okanye elirhoxisa isavenge esisekiweyo ngokuhlawula umahluko wotshintshiselwano, nto leyo evelisa iindleko ezigqithisileyo kumntu ofake isicelo semali mboleko yendlu, kwaye inokubangela ukuba kubekho intlawulo egqithileyo. umonakalo omkhulu kuqoqosho lwayo. Yonke imali-mboleko ifuna ixesha eliqikelelweyo lokucinywa kwayo; elona xesha lembuyekezo, njengoko limiselwe ngamaqumrhu ogcino-mali kunye neengxowa-mali zezindlu, libandakanya ixesha elisusela kwi-7 ukuya kwiminyaka engama-30.
Oomantyi bakhuphe imimiselo emininzi malunga ne-multi-currency mortgage, kwaye umthetho uqinile kwaye unoxolo; apho kubhekiselwa kubulize bemali-mboleko xa iqhutywa ngendlela yobuqhophololo okanye xa umntu onomdla engenalo iprofayili enobuchule eyenza kube lula ngaye ukuba azi ngokucacileyo iingozi awayezicingela.
Ukuze ufunde ngeemveliso ezinxulumene neenzuzo kunye nezinye izixhobo zemali, siyakumema ukuba ufunde malunga coconut contingent convertible bonds ukuba, kwaye ungene kwihlabathi lezemali.
Izinzuzo
Olu hlobo lwemveliso luvumela umxhasi ukuba athathe inzuzo yeendleko zenzala ephantsi kwayo nayiphi na imali ukuze akhawuleze kwaye enze iimali-mboleko zingabizi; Ngokufanayo, inoluhlu lweereferensi ezingasekelwanga kwi-Euribor, kodwa kwi-Libor, eyi-avareji ethathwa njengephethini yokubhekisela ekutshintshiseni kunye noshintsho kwiibhanki zamazwe ngamazwe. Lo mzekelo oluncedo ungaphantsi kwemali ye-Euribor, ukwenzela ukuvumela ukucinywa kwemboleko apho umehluko we-1,75% okanye i-2% ifakiwe.
Ukuthelekisa le pesenti apho inzuzo kunye nenzala ihlawuliswa nge-5% esetyenziswa ngoku kwezinye iintlobo zeemveliso ezihlawulwa nge-euro, kunenzuzo enkulu; Kuyafaneleka ukwazi, njenge-Euribor, ngokumalunga neLibor enemiqathango ukusuka kusuku olunye, iintsuku ezingamashumi amathathu, iintsuku ezingamashumi alithoba, amakhulu amathathu anamashumi amathandathu anesihlanu; Ngomzuzu wokwenza isivumelwano se-mortgage, iya kuba yinto ebonisa isalathisi esifanelekileyo sokucinywa kwayo, ebonisa ukubaluleka kokwazi inkcazo ye-multi-currency mortgage.
Kolu hlobo lwemali mboleko, kufuneka kongezwe indlela efana kakhulu naleyo isetyenziswa kwiimali zokubambisa ngokwesiqhelo ngemali yendawo; ingaba yimali enye ukuba i-advanced ivunyelwene nge-euro okanye ngemali eyahlukileyo; Rhoqo, lo mahluko wokongeza uphezulu, ubonisa ukuba ixesha lesivumelwano sezi mboleko zemali eninzi alidluli iminyaka engama-20 ukuya kwengama-30. Abathengi abaye banandipha le mveliso bangqina ukuguquguquka, ngenxa yokukhululeka kotshintshiselwano phakathi kweemondas ezivela kwiindawo ezahlukeneyo.
Apho ufuna ukumisela ityala ngemali yasekhaya, ungakhetha eyona ikufaneleyo ngokunxulumene nenzala ebalwayo, ushiye i-amplitude xa ufuna ukubuyela ekusingatheni uthethathethwano ngeeyuro.
Amaqumrhu ebhanki aneenzuzo ezahlukeneyo kubathengi bawo, phakathi kwazo iindlela ezahlukeneyo zokubolekwa kwemali ziphawuliwe, phakathi kwazo sikumema ngobubele ukuba ufunde malunga. Iikhredithi zebhanki.
Mngcipheko yemali-mboleko yemali eninzi
Ngexesha lokuseka i-multi-currency mortgage contract, umntu owenza isicelo semali-mboleko kufuneka akhumbule ixabiso lemali, elinokuthi liguquke ngokuqhubekayo, eli xabiso lichongwa yintengiso ye-stock market. Umfaki-sicelo akayi kuyazi isixa-mali esipheleleyo setyala lakhe ngenxa yeenguqu ezahlukeneyo xa ehlawula ngemali eyahlukileyo evela kwindawo, xa uthethathethwano luvaliwe uya kuba nako ukwazi imali ehlawulwe loo nto ilungileyo, yonke le nkqubo ingaphakathi inkqubo-sikhokelo yomthetho evunywe ngoomantyi abaphezulu.
Ngokuvumelana ne-mortgage kwimali engalinganiyo ixabiso layo litshintsha kwi-stock market yonke imihla, icinga ukuba i-capital ebolekwa yibhanki enye, kunye nale nto, umvuzo onokukwazi ukumelana nokuhluka okusekelwe kumazinga okusetyenziswa kwemali; kwangaxeshanye, olu tshintsho lukholelwa ukuba iindleko zetyala zinokunyuka. Oko kwakukholelwa ukuba sisiganeko kunye nophuculo xa kuthathelwa ingqalelo iintlobo zokusetyenziswa kolunye uhambo, kunokuba ngumxhasi njengephupha elibi.
Ukuqeshwa kolu hlobo lwe-mortgage, ngaphezu kweengozi ezibandakanyekayo, ukuqesha kuneendleko eziphezulu, ekubeni ukutshintshwa komthengisi akuvunywanga kwaye kufuneka kwenziwe ngokusemthethweni njenge-mortgage entsha. Kule meko, inani elifanayo liyanyuswa, elingafaniyo xa lifunyenwe kunokuba lithengisiwe kuba lo mva wongeze ikhomishini yomlamli, ekuqeshweni kuyo i-1% ngaphezulu ukusuka ekuqaleni.
I-Multicurrency mortgages ivumela ukutshintsha i-capital apho i-advanced kunye nemigangatho yayo eyahlukeneyo ibalwa, ukuhlawula iikomishini ezilandelwayo; kunjalo, umfaki-sicelo okumgangatho ophakathi akanalo izakhono okanye izakhono zokuzuza kwezi yantlukwano, ekubeni uninzi lwabathengi abanalo ulwazi malunga nendlela imali eguquka ngayo, ngoko ke kuyimfuneko ukwazi inkcazo ye-mortgage multicurrency.
Indlela yokwenza ibango lemali-mboleko yemali eninzi?
Kukho intaphane yemimiselo enike ubulize bamatyala ahlukeneyo emali mboleko yendlu; Isigwebo seNkundla ePhakamileyo ngoNovemba 15, 2017, esabonisa ukuba ezinye zezivumelwano zaphunyezwa ngendlela engabonakaliyo ngenxa yokungaziswanga ngamnye kubathengi ngeengozi kunye nobungozi obunxibelelene nothetha-thethwano. Oku kubonisa ukuba nawuphi na umbolekisi ovumileyo kwi-multi-currency mortgage unokuyibanga ngaphandle kokungeniswa kwimimiselo yommiselo, kuyafaneleka ukuba afune nalawo sele avaliwe.
Izidingo
Ukuze wenze ibango le-multi-currency mortgage, ezi mfuno zilandelayo kufuneka zifezekiswe: Umxhasi wayengazi iimpawu ezithile zemveliso. Kule nto kuyimfuneko:
- Umntu akanalo iprofayili eqeqeshiweyo.
- Iqumrhu lebhanki lezemali linikezele ngezibophelelo zalo ngokudlulisela ulwazi kubasebenzisi balo.
Ibhanki ngumzimba omele ucacise kwaye ubonise ukuba ngamaxesha onke uye wazalisekisa imisebenzi yayo esemthethweni ekuqhutyweni kweemali zokuboleka imali eninzi; Seso sizathu sokuba iingcali zomthetho wezezimali ezininzi zifune la matyala kuba zimangala ngokulula kwaye ziphumelele.
Iziphumo zebango
Inkundla ilandelela amaxwebhu emali-mboleko emboleko yemali eninzi, iwathatha njengelize, ukuba imali yelizwe langaphandle yemali mboleko kufuneka ipheliswe xa ithe yathengiswa ngenxa yokungabikho elubala; ukuvelisa ngenxa yoko, isixa-mali esinikelwe njengenkunzi kunye nenzala kwimali-mboleko kufuneka ibalwe kwakhona, ifakwe kwimali ye-Euro kwaye ithathe i-Euribor njengesalathiso.
Olu balo ngokutsha luya kunciphisa ixabiso elimisiweyo lokubhatalwa kwinto ehlawulweyo ngokunyuka kobulungisa begatya lemali; kwimeko yokudlula ibhalansi ngokuthanda komsebenzisi, kuya kufuneka ukuba icinywe yibhanki. Ngelixa ibango elicinyiweyo lenziwe, umxhasi unokubuyisela yonke imali esele ihlawulwe ngokugqithisileyo ngenxa yaloo nto; Kuyacetyiswa ukuba bonke abathengi baqeshe igqwetha lezemali.
Multi-currency izigwebo mortgage
Kwiminyaka yakutshanje, kuye kwavela izigwebo ezininzi ngokubhekiselele kwi-multi-currency mortgages apho iingcali zomthetho ziye zaphumelela ngokuchasene nemibutho yezemali, zishiya ubukhulu bezivumelwano ezisungulwe ekukhanyeni koluntu. Namhlanje ezi mboleko zisefashonini xa i-Euribor ixabisa ngaphezu kwe-4%, nangona iimeko kunye nezigwebo ziqhubeka zivela apho zivakaliswa ngokuthanda umxhasi. Kolu hlobo lwesivakalisi bachaza imiba emininzi efana nale:
- Imali ekufuneka i-arhente yebhanki ihlawule.
- Isivumelwano sokuba i-mortgage iya kuphunyezwa ngee-euro.
- Isibhengezo sobulize be-multi-currency mortgage ngokumalunga neekhomishini, ukutshintshiselana ngemali kunye nesicelo sobume bokungahlawuli.
- Ikhontrakthi yequmrhu lezemali yokubuyisela ingeniso evela kwezi mbono kunye nezixhobo ezihambelanayo ezibandakanyiweyo.
- Uluvo lukamantyi ukuba i-arhente yebhanki ayizange ihambelane nezibophelelo zophando ezibekwe kuyo, ibeka kuphela umsebenzisi kwiinzuzo zemveliso, kodwa ingamazisi ngeengozi kunye nobungozi abonakaliswe kuzo.
Isiphelo
Ngaphakathi kwi-mortgage yemali eninzi, kuyafaneleka ukukhankanya amanyathelo omzuzu wokubonisa ibango le-mortgage yemali eninzi, into yokuqala ekufuneka umxhasi ayenze kukuya ebhankini ukuya kubonisa ityala malunga mboleko, ukuthatha imali ye-euro njengereferensi kunye ne-Euribor, ngendlela efanayo, icela ukubuyiselwa imali ehlawulwe ngokugqithisileyo ngexesha lokuhlala kwenye imali; Iqumrhu kufuneka lenze isiphakamiso sokusombulula le meko, ekufuneka ifundwe ngononophelo. Akufunekanga isayinwe ngaphandle kokuphononongwa.
Kwimeko echaseneyo, ukuba akukho siphakamiso okanye isisombululo yi-arhente yebhanki, ibango kufuneka lifakwe ukuze liye kwisimangalo, ekubeni indlela yomthetho isekela isicelo sabo bachaphazelekayo ngezi zivumelwano; apho ubukho bengcali yezomthetho buya kunika ukhuseleko.