Ukuba unomdla wokwazi lonke ulwazi malunga nosaziwayo mboleko yebhulorho, ukwindawo elungileyo kulo lonke eli nqaku siza kuzama ukuchaza intsingiselo yalo kunye nayo yonke imisebenzi yalo ngendlela elula. Ngoko awunakuyeka ukufunda.
Iimali-mboleko zebhulorho okanye iimali zokubambisa zezo zinikwa ziibhanki xa umxhasi efuna isixa esikhulu semali ngoko nangoko. Umzekelo, ukuthenga ikhaya.
Yintoni iimali-mboleko zebhulorho?
Oku kubandakanya ubukhulu becala uhlobo lwemali-mboleko enokuthiwa "ekhethekileyo", enikezelwa ngamanye amaqumrhu ebhanki xa omnye wabathengi babo enemfuno yemali ekhawulezileyo, sinokuyibiza ngokuba yikhredithi ecacileyo.
Enye yeempawu zayo ezinkulu kukuba inokuthathwa njengetyala lexeshana okanye inkxaso-mali, ngokwesiseko njengoko igama layo libonisa, zibolekwano okanye iimali-mboleko ezidlulayo. Iibhanki zidla ngokuzinika ngendlela elula kakhulu, kunye nemfuneko kuphela yokuba umxhasi unokuqinisekisa ukuba imali ibuyiselwa kwikamva elikufutshane.
Ngenxa yesi sizathu, iibhanki zenza uvavanyo olukhawulezayo, ukuze ngale ndlela kuqinisekiswe ukuba kuya kuba nokwenzeka ngokwenene ukubuyisela imali-mboleko enikiweyo ngaphandle kokuphazamiseka, oku konke okufunayo ukuze ukwazi ukucela oku ngaphandle kweyiphi na. ingxaki.
Yintoni umsebenzi wemali mboleko yebhulorho?
Ngoku siza kuzama ukuphendula lo mbuzo: Yintoni eyona nto iphambili yemboleko yebhulorho okanye i-mortgage? Ukuyibeka ngeyona ndlela ikhawulezayo nelula inokwenzeka, injongo yayo kukubonelela ngokudamba okanye ukungabikho kwemali kwabo bathengi banqwenela ukufumana indlu okanye indawo yokuhlala ngaphandle kokuthengisa kwangaphambili eyakhe, kwaye ngale ndlela, babe nakho ukuqinisekisa ukuthengwa kwezindlu. entsha kwaye kamva ukwazi ukuthengisa ikhaya lakho ngendlela elawulwa ngakumbi, elula, kwaye ngaphezu kwayo yonke indlela ekhululekile.
Kodwa usenokuba uyazibuza ukuba ibhanki iza kundinika ixesha elingakanani ukuze ndikwazi ukwenza intlawulo efanelekileyo yemali mboleko eceliweyo, nangona isindululo sesokuba uye ebhankini yakho kwaye apho unokucela ulwazi oluchanekileyo. Ekubeni ngamanye amaxesha la maxesha anokwahluka, kodwa abathengi badla ngokunikwa imiqathango ephakathi kweminyaka emibini ukuya kwemihlanu ukuze bakwazi ukwenza intlawulo epheleleyo yemali-mboleko eceliweyo.
Ngale ndlela, uya kuqinisekisa ukuba unexesha eliyimfuneko lokukwazi ukuthengisa ipropathi yakho kwaye ukwazi ukucela isithembiso esihle. Ngoko ke musa ukuthandabuza ukubuza iibhanki zakho ukuba ngaba banalo olu hlobo lwezicelo ezisebenzayo, ziya kuba luncedo kakhulu.
Ukuba unomdla wokufunda indlela yokufaka isicelo mboleko kwabangasebenziyo eSpain, kufuneka ufake ikhonkco yangaphambili, apho uya kufumana inqaku lonke ulwazi ngalo mbandela. Awunakuyeka ukuyifunda.
Iimali-mboleko zebhulorho ziyahluka kwizinto eziqhelekileyo, kuba zivumela ukuhlawulwa kwenzala kuphela, ebandakanywa kwiintlawulo zenyanga ze-mortgage yakho. De umxhasi enze intlawulo yesixa-mali esiceliweyo.
Umahluko phakathi kwemboleko yebhulorho kunye nemali mboleko eqhelekileyo?
Ezi mboleko zimbini zinezinye iiyantlukwano, esiya kuzama ukuchaza ngezantsi, okokuqala, izavenge zentlawulo ye-bhlorho mboleko okanye i-mortgages phantse isoloko idityaniswe kwiintlawulo zenyanga zekhaya elitsha, ke ngoko, Ngale ndlela, njengomthengi. , awunyanzelekanga ukuba uzikhathaze ngentlawulo eyongezelelweyo yezavenge eziqhelekileyo, kodwa ngexesha usenza intlawulo yenyanga-mboleko yokubambisa, uya kuba sele usenza i-amortizations yentlawulo yemali-mboleko ebiceliwe.
Yintoni ingenelo eziswa koku?
Elula, wena njengomxhasi awuyi kuba nexhala malunga nokuhlawula inzala eyongezelelweyo, inqaku elibaluleke kakhulu xa ufaka isicelo semali-mboleko yobuqu eqhelekileyo, enokuthi yenze umthwalo wokuba isicelo sesi bunzima kancinci. Ungabi sazikhathaza ngayo kwakhona.
Enye ingongoma enokuthi ibe nomdla kuwe kukuba iimali-mboleko zebhulorho zinokuhlawulwa ngokunqongophala kwemali (Ngale ndlela kuphela iintlawulo ezihambelana nenzala zenziwe, ngaphandle kokuba nemali eyinkunzi epheleleyo), okanye ibhanki ibala umrhumo ocuthiweyo okhethekileyo ( Oku kuhambelana kwisixa esikhethekileyo esibekwe yibhanki kwaye yongezwa kwi-mortgage yokugqibela, kuvela ukuba inokufana kakhulu nenqaku esichazwe ngasentla kwaye ezi zixa zinokuhambelana nokuhlawulwa kwenzala).
Ke sicebisa ukuba, njengabaxumi abaninzi abafaka isicelo sokusebenzisa olu hlobo lwesicwangciso senkxaso-mali, utyekele ekwenzeni intlawulo yenyanga yenzala kuphela. Ekubeni bechaza ukuba i-capital iya kubuyiselwa ngexesha abanokuthengisa ikhaya labo langoku kwaye ngaloo ndlela bakwazi ukwenza i-amortization ephezulu kune-mortgage.
Iingxaki zeBridge Loan
Nangona ukuza kuthi ga ngoku oko sele kuthethiwe sinokucinga ukuba olu hlobo lwe-mortgage lunokuba lolona khetho lwethu lungcono, kuba lusinika intuthuzelo kunye nethuba lokukwazi ukwenza intlawulo eqhubekayo, kubalulekile ukuqaphela ukuba ibhanki xa isenza isigqibo sokwenza isigqibo. ukunika imali mboleko Lo mfo uqhuba imingcipheko emibini:
Eyokuqala kukuba awukwazi ukuthengisa ikhaya lakho ngaphakathi kwexesha elimiselweyo kwaye okwesibini sisiphumo sokuqala, kuba ngokungabi namali ekuthengisweni awukwazi ukubuyisela inkunzi kwaye, ngenxa yoko, awukwazi ukubuyisela inani elipheleleyo. imali yetyala.
Ngenxa yesi sizathu, ezi ntlobo zeemali mboleko azinikezelwanga kubo bonke abathengi bebhanki, zihlala zifumaneka kwiqela lequmrhu, phantse rhoqo kulabo bathathwa njenge-VIP. Kwaye oku kungenxa yokuba lowo uya kungena engxakini uya kuba nguwe njengomthengi, ekubeni awukwazi ukubuyisela inqununu kunye nenzala eyasekwa kwasekuqaleni kwaye, ekubeni ungenayo imali, oku kunokufikelela kumatyala aphezulu asemthethweni. .
Yiyo loo nto eyona ngcebiso sinokukunika yona kukuba ucinge kabini ngaphambi kokufaka isicelo solu hlobo lwemali mboleko yokuvala ibhulorho, sicebisa ukuba usebenzise ezinye iindlela ngaphambi kokukhetha le, umzekelo, ukuba isalamane sinokuboleka imali.
Kodwa ukuba kuthathwe isigqibo, siyakuxelela ukuba inokuba yeyona ndlela ilungileyo, inokukunceda kakhulu, unokwenza unikezelo oluhle lwekhaya lakho langoku kwaye ekugqibeleni ulithengise sele usebenzisa ikhaya lakho elitsha, obuvunyelwe ukuba thenga enkosi kusetyenziso lwemali-mboleko. Ke siyakumema ukuba uvavanye zonke izinto ezilungileyo kunye nezibi ngaphambi kokuba uthathe isigqibo sokuyiodola.
Ngale ndlela, sigqiba inqaku lethu malunga nokubolekwa kwebhulorho, siyathemba ukuba sikuncedile. Nangona kunjalo, njengoko sisazi ukuba ungasoloko ufuna ukwazi ulwazi oluthe kratya, sikushiyela le vidiyo ilandelayo. Thatha imizuzu embalwa ukuze ube nomfanekiso ngqondweni, awuyi kuzisola.