I-Los izinhlobo ze-mortgage esizokubona ngokulandelayo, kubhekwa ohlelweni lwezezimali njengethuluzi lokusekela nokuvikela iklayenti kanye nezikhungo zamabhange. Ungaphuthelwa.
izinhlobo ze-mortgage
Uma sizama ukucacisa ukuthi zingaki izinhlobo ze-mortgage ezikhona, sithola uchungechunge lwamathuluzi ezezimali agcina enokuthile okufanayo. Bamelela inkontileka esayinwa ukuze kutholwe imali yasebhange ukuze bathole umuzi futhi kwezinye izimo nezimpahla.
Izinhlobo ze-mortgage zinochungechunge lwezakhi ezizihlukanisa komunye nomunye, kodwa zinezinto ezithile ezifanayo. Phakathi kwazo isiqinisekiso semali mboleko, ezikhathini eziningi, impahla ngokwayo. Ukuze ihlale ezandleni zomkweleta ngenkathi ekwazi ukukhansela i-mortgage ngokwayo.
Sizobe sesibona ukuthi yiziphi izinhlobo zemali ebolekiwe, okuthi kwamanye amazwe ibe negama elihlukile kodwa ngokuyisisekelo igcina izakhi zayo eziyinhloko. Lezi yimali enkulu, inzalo, isikhathi kanye nesiqinisekiso. Izindlu ezibolekiwe zingahlukaniswa ngokwezinga lenzalo, uhlobo lwesitolimende, uhlobo lweklayenti kanye nohlobo lwesakhiwo. Kodwa ngokuvamile ihlelwa ngokwezinga lenzalo, esizolibona ngezansi.
inzalo engaguquki
Lolu hlobo lwemali ebolekiwe lunobuchwepheshe bokugcina izitolimende ezingashintshi, azihlukani phakathi naso sonke isikhathi sokukhokha. Izinzile futhi akuthinti ukuguquguquka kwezomnotho wezwe njengokukhuphuka kwamandla emali kanye nokwenyuka kwenzalo. Kodwa-ke, njengenzalo engaguquki, ihlala igcina izitolimende ziphakeme kancane kunezinye izikweletu.
Ngakolunye uhlangothi, i-amortization eyingxenye kanye nengqikithi iphakeme, ukuze kuthi uma iklayenti lifisa ukukukhansela ngokuphelele, kuzobiza kakhulu, lokhu kube ukonakala kwalolu hlobo lwe-mortgage.
Nokho, esihlokweni esilandelayo uzokwazi ukwazi ezinye ukuhluka izinhlobo mortgage I-Mortgage Novation
intshisekelo eguquguqukayo
I-mortgage ibhekwa lapho izitolimende zihlala njalo kodwa zihluka ngamanani azo; Ukwehluka kuyasetshenziswa kuye ngezinga lenzalo elenzeka lapho kubuyekezwa. Lolu hlobo lwemali ebolekiwe luncike kakhulu ekuhlukeni kwenzalo ephathwa emakethe, uma yehla, izitolimende nazo ziyehla.
Ngokuphambene, uma izinga lenzalo likhuphuka emakethe, izitolimende nazo zizokhuphuka. Kodwa-ke, ukuguquguquka kwe-mortgage ye-mortgage inezikhathi ezinde zokukhokha imali, zingafinyelela ngisho neminyaka engama-40 (kuye ngokuthi uhlobo lomnotho kanye nezwe lapho inqubo yenziwa khona), kanye nokuhlukahluka kwamakhomishana aphansi uma kuqhathaniswa nalawo angashintshiwe.
uhlobo oluxubile
Indlela le mali mboleko enikezwa ngayo ikhasimende ivumela izinga lenzalo elingaguquki ukuthi lihlanganiswe nezinga lenzalo eliguquguqukayo. Ukusebenza kwayo kuhlanganisa ukunakekela iminyaka yokuqala yokuncishiswa kwenani ngezitolimende ezingashintshi kodwa nokugcina inzuzo eguquguqukayo ngokuya ngenkomba yereferensi yezezimali.
Iklayenti kufanele likufunde kahle lokhu okunye, njengoba ukuba nesikhathi eside sokukhokha imali, noma yimuphi umehluko ezindlekweni zenhlangano noma ezinye, kunganquma ukwanda okukhulu kwenani lesitolimende sesikhathi eside. Sikumema ukuthi ufunde kabanzi ngalesi sihloko ngokufunda lesi sihloko imali mboleko eyabiwe
Ukucatshangelwa
Amanani emali asetshenziselwa ukuxhasa ngezimali izinhlobo ze-mortgage ezimweni eziningi angaphansi kwevelu yendawo. Lesi yisici esibalulekile okufanele wonke amaklayenti anesikweletu asicabangele. Uma kuqashelwa ukuthi inzalo iyiphesenti eliguquguqukayo, umkweleti kufanele akhokhe inani ngokwemali ezuziwe.
Njengoba sisanda kubona, kungase kuhluke, njengoba izimo zokukhokha ziyahlukahluka kuye nangesikhathi lapho i-mortgage ngokwayo izokhokhwa ngayo. Lezi zici kufanele zicatshangelwe ngabakweletwayo esikhathini esizayo, okuthi, kuye ngokucatshangelwa kwabo, bangakhetha ukuthola imali ye-mortgage noma bayishiye eceleni.
Izici zezinhlobo ze-mortgage
I-mortgage iyithuluzi lezezimali okuthi ngemva kokuyithola futhi iyisayine iba yisibopho. Uhlelo lusebenza lapho okweletayo kufanele abuyisele imali eceliwe ukuze kutholwe impahla, ngezindleko zokukhokha inzalo. Funda kabanzi ngalesi sihloko ngokuchofoza isixhumanisi esilandelayo Izilinganiso zenzalo yezezimali
Kodwa-ke, izimo kanye nenqubo iba yisici esinqumayo esibophezelweni sokweletayo ukusikhansela. Kulokhu, izinhlobo zokubolekwa kwemali zinezici nezinto okufanele zicatshangelwe, ake sibone:
Usonhlamvukazi
Imele isamba semali inhlangano yezezimali eyinikezayo njengemali ebolekiwe kuklayenti elikweletwa yindlunkulu. Ngokuvamile, inani lemali lingaphansi kwenani langempela lesakhiwo esitholwayo. Le mali kufanele ikhokhwe kanye nenzalo yekhomishana inkampane eyitholayo ngemali mboleko yemali kanye namasevisi eliwahlinzekayo kokweletayo.
uhlobo lwesikweletu
Kunezinhlelo ezahlukahlukene zokunikeza isikweletu sendlu, uhlelo lwesiFulentshi, iMelika kanye neJalimane. Laba bobathathu banokuphatha okuhlukile ngokuphathelene nezinhlobo zezindlu ezibolekiwe, nokho bahlukile kwezinye izici.
Frances
Le modeli isebenzisa izinhlobo ezimbili ze-mortgage engashintshi, nokho ngezinye izikhathi isebenzisa uhlobo oluguquguqukayo lwe-mortgage. Ihlanganisa ukukhansela inzalo phakathi nezitolimende zokuqala, lokhu kuholela ekucabangeleni izinga lenzalo kanye nemali esetshenzisiwe esele kusalindwe ukukhokhwa kwezindleko.
Ngakho-ke inzalo eyengeziwe ikhokhwa ekunyakazeni kwesitolimende ngakunye phakathi neminyaka yokuqala. Khona-ke, njengoba isikhathi sihamba, izimali zivame ukwehla.
WaseMelika
Leli fomu livumela inzalo ukuthi ikhokhwe ngezikhathi ezithile, ngokungafani nendlela yesiFulentshi, izitolimende azikhokhwa ngemali enkulu, lokhu kufanele kukhokhwe ngenkokhelo eyodwa eyenziwa ekupheleni kwesikhathi. Izitolimende ezikhanseliwe zisekelwe enzalweni kuphela ukuze zilungiswe futhi aziguquki.
IsiJalimane
Isistimu ye-mortgage yaseJalimane isebenzisa inani lezitolimende ngendlela eyinhlanganisela, okungukuthi, isebenzisa ukuncishiswa kwezimali okuhlala njalo kanye nenzalo. Lokhu kubalwa kubhalansi ye-akhawunti. Iwuhlelo olusetshenziswa emazweni amaningi futhi nezindleko ziyancipha.
Imininingwane eyengeziwe
Izinhlobo ze-mortgage zibhekwa kwezinye izinkampani zezezimali njengethuluzi elingasetshenziswa futhi ukuxhasa ezinye izimpahla ezikhokhiswa intela. Okusho ukuthi, kungase kube nokubolekwa kwezimoto, ukuthengwa kwezindlu ezithengiswayo kanye nezakhiwo zezimboni. Ifomethi yemalimboleko nemibandela inezici ezifanayo.
Umkweletu uyavuma ukukhokha izitolimende ngokwemibandela kanye nezinhlobo zokubolekwa kwempahla. Mayelana nezikweletu ezisekelwe emotweni, zisingathwa ngempela njengemali mboleko yezindlu noma imali ebolekiwe yezimoto.