Ukuze ukwazi ukubona incazelo ye i-mortgage yemali eningi kuyadingeka ukuyikhomba njengemalimboleko eyenziwe ngemali engaphandle kwaleyo ephathwa endaweni, edinga ukunakwa okukhulu ngaphakathi kwemingcele lapho ukucubungula kwenziwa khona, okuchazwe kabanzi esihlokweni esilandelayo.
Umkhiqizo wempahla yemali eningi ongaphathwa ngemali evela emazweni ahlukene
Incazelo ye-mortgage yemali eningi
I-mortgage iwumthetho lapho umuntu eshiya njengesibambiso enye yempahla yakhe, ikakhulukazi indawo, esikhungweni noma kumuntu omboleka imali, obizwa ngokuthi umbolekisi; Ngale ndlela, uma umuntu ocele ukubolekwa imali engahambisani nemingcele eshiwo kwinkontileka, umbolekisi uzoba nelungelo lokufuna ukudayiswa kwempahla ukuze aqoqe lokho akukweletayo. I multi-currency mortgage incazelo Isho imali ebolekiwe yemali ebolekiwe engakhanselwa ngezinhlobo zemali ngaphandle kwaleyo yendawo.
Lezi zitolimende zisungulwa ngentengo ehlukile ngenxa yokuhluka kwezinga lokushintshisana noma elikhansela isitolimende esimisiwe ngokukhokha umehluko wokushintshashintsha, okukhiqiza izindleko ezeqile kumuntu ofake isicelo semali mboleko yendlu, futhi okungabangela umonakalo omkhulu emnothweni wayo. Yonke imali ebolekiwe idinga isikhathi esilinganiselwe sokukhanselwa kwayo; isikhathi sangempela sale mbuyiselo, njengoba sisungulwe izinhlangano zamabhange ezezimali kanye nezimali zezindlu, sibandakanya isikhathi esisukela eminyakeni eyi-7 kuye kwengama-30.
Omantshi bakhiphe izimemezelo eziningi mayelana ne-multi-currency mortgage, futhi umthetho uqinile futhi unokuthula; lapho kukhulunywa ngokungabi nalutho kwe-mortgage uma yenziwa ngendlela ekhohlisayo noma lapho umuntu onentshisekelo engenalo iphrofayili efanele okwenza kube lula ngaye ukuthi azi ngokucacile izingozi abezithatha.
Ukuze ufunde mayelana nemikhiqizo ehlobene nezinzuzo namanye amathuluzi ezezimali, sikumema ukuthi ufunde mayelana amabhondi aguquguqukayo kakhukhunathi akhona, futhi ungene emhlabeni wezezimali.
Izinzuzo
Lolu hlobo lomkhiqizo luvumela iklayenti ukuthi lisebenzise izindleko zenzalo ephansi zanoma yiluphi uhlobo lwemali ukuze lisheshise futhi lenze imali mboleko eshibhe; Ngokufanayo, inochungechunge lwezikhombo ezingasekelwe ku-Euribor, kodwa ku-Libor, okuyisilinganiso esithathwa njengephethini yereferensi yokuhwebelana nokuguqulwa kwamabhange ngamazwe ngamazwe. Le modeli yosizo ingaphansi kwemali ye-Euribor, ukuze kuvunyelwe ukukhanselwa kwemali mboleko lapho kufakwe khona umehluko ongu-1,75% noma u-2%.
Ukuqhathanisa leli phesenti lapho inzuzo kanye nenzalo ikhokhiswa khona u-5% okwamanje osetshenziselwa ezinye izinhlobo zemikhiqizo ekhokhelwa nge-euro, kunenzuzo enkulu; Kuyafaneleka ukwazi, njenge-Euribor, maqondana neLibor enemibandela esuka osukwini olulodwa, izinsuku ezingamashumi amathathu, izinsuku ezingamashumi ayisishiyagalolunye, izinsuku ezingamakhulu amathathu namashumi ayisithupha nanhlanu; okwesikhathi sokwenza inkontileka ye-mortgage, kuzoba yiyona ekhombisa inkomba efanelekile yokukhansela, ekhombisa ukubaluleka kokwazi incazelo ye-mortgage yemali eningi.
Kulolu hlobo lwemali mboleko, kufanele kwengezwe indlela efana ncamashi naleyo esetshenziswa ezikweletini ezijwayelekile ngemali yendawo; kungaba enye imali uma i-advanced kuvunyelwana ngayo ngama-euro noma ngemali ehlukile; Imvamisa, lo mehluko ongawengeza uba phezulu, okhomba ukuthi isikhathi sesivumelwano salezi zimali ezibolekiwe zemali eningi aseqi iminyaka engama-20 kuye kwengama-30. Amakhasimende ajabulele lo mkhiqizo afakazela ukuguquguquka, ngenxa yokushintshana kalula phakathi kwama-monda avela ezindaweni ezahlukene.
Lapho ufuna ukunquma isikweletu ngemali yasendaweni, ungakhetha leyo ekufanele kakhulu maqondana nenzalo ebaliwe, ushiye ubude besikhathi lapho ufuna ukubuyela khona ekusingatheni izingxoxo nama-euro.
Izinkampani zamabhange zinezinzuzo ezihlukahlukene kumakhasimende azo, phakathi kwazo kugqanyisiwe izinhlobo ezahlukene zemali mboleko, phakathi kwazo sikumema ngokufudumele ukuthi ufunde mayelana Amakhredithi ebhange.
Izingozi ye-mortgage yemali eningi
Ngesikhathi sokusungula inkontileka yokubolekwa kwempahla yemali eningi, umuntu owenza isicelo sokubolekwa imali kufanele akhumbule intengo yemali, engaguquguquka ngokuqhubekayo, le ntengo inqunywa ukuthengiselana kwemakethe yamasheya. Umfakisicelo ngeke azi isamba senani lesikweletu sakhe ngenxa yokwehluka okuhlukene lapho ekhokha ngemali ehlukile yendawo, lapho ukuxoxisana sekuvaliwe uzokwazi ukwazi inani elikhokhelwe lokho okuhle, yonke le nqubo ingaphakathi kwe uhlaka lwezomthetho olugunyazwe izimantshi eziphezulu.
Ngokuvumelana ne-mortgage ngemali engalingani inani layo elishintshayo emakethe yamasheya nsuku zonke, kucabangela ukuthi inhloko-dolobha ekweletwa ibhange ingenye, ngalokhu, iholo elingakwazi ukumelana nokuhlukahluka okusekelwe emazingeni okusebenza ohlobo lwemali; ngesikhathi esifanayo, lezi zinguquko zikholelwa ukuthi izindleko zesikweletu zingakhuphuka. Okwakukholakala ukuthi yisenzakalo kanye nentuthuko uma kucatshangelwa izinhlobo zokusetshenziswa kokunye ukugeleza, kungaba kuklayenti njengephupho elibi.
Ukuqashiswa kwalolu hlobo lwe-mortgage, ngaphezu kwezingozi ezihilelekile, ukuqasha kunezindleko eziphezulu, njengoba ukushintshwa komphakeli akuvunyelwe futhi kufanele kwenziwe ngokusemthethweni njenge-mortgage entsha. Kulesi simo kuyaye kunyuswe inani elifanayo uma litholwa uma selidayiswa ngoba lona wengeze ikhomishana yomxazululi, okumele iqashwe ngo-1% ngaphezulu kusukela ekuqaleni.
I-Multicurrency mortgages ivumela ukushintsha inhloko-dolobha lapho i-advance kanye namazinga ayo ahlukene kubalwa khona, ukuze kukhokhwe amakhomishini alandelayo; kodwa-ke, umfakisicelo wesigaba esiphakathi akanawo amakhono noma amakhono okuzuza kulokhu kuhluka, njengoba iningi lamakhasimende lingenalo ulwazi lokuthi imali ishintshashintsha kanjani, ngakho-ke kuyadingeka ukwazi incazelo ye-mortgage multicurrency.
Indlela yokufaka isicelo se-mortgage yemali eningi?
Kunezinqumo eziningi ezinikeze ukungabi nalutho kwamacala ahlukene emali mboleko yendlu; Isahlulelo Senkantolo Ephakeme sangomhla ziyi-15 kuNovemba 2017, esibonise ukuthi ezinye zezivumelwano zasetshenziswa ngendlela engekho sobala ngenxa yokungazisanga ikhasimende ngalinye ngobungozi nobungozi obuxhume kuxoxiswano. Lokhu kukhomba ukuthi noma yimuphi umkweleti ovumelene ne-multi-currency mortgage angakwazi ukuyifuna ngaphandle kokuthumela imigomo yesinqumo, kuyasebenza futhi ukufuna ngisho nalezo esezivele zivaliwe.
Izidingo
Ukuze uthole i-mortgage yemali eningi, lezi zidingo ezilandelayo kufanele kuhlangatshezwane nazo: Iklayenti belingazi ngezici ezithile zomkhiqizo. Kulokhu kuyadingeka:
- Umuntu akanayo iphrofayela eqeqeshiwe.
- Ibhizinisi lasebhange lezezimali linikeze izibopho zalo ngokudlulisela ulwazi kubasebenzisi bayo.
Ibhange liwuhlaka okufanele licacise futhi libonise ukuthi ngaso sonke isikhathi liye lafeza imisebenzi yalo esemthethweni ekucubunguleni izikweletu zemali eningi; Kuyisizathu sokuthi ongoti bezomthetho abaningi bezezimali bafune lawa macala ngoba bamangalela kalula futhi bawine.
Imiphumela yesimangalo
Uphiko lwezobulungiswa lulandela imibhalo yemali eningi ye-mortgage, iwabheka njengeze, ukuthi impahla yemali yangaphandle yemali ebolekiwe kufanele iqedwe uma isidayiswe ngenxa yokungabi bikho obala; ngenxa yalokho, inani elinikelwe njengemali kanye nenzalo yemalimboleko kufanele ibalwe kabusha, ifakwe ngohlobo lwemali ye-Euro futhi kuthathwe i-Euribor njengereferensi.
Lokhu kubalwa kabusha kuzonciphisa inani elihlehlisiwe lokuqedwa kulokho okukhokhiwe ngenxa yokwenyuka kokulunga kwesigaba semali; uma kwenzeka kuphasiswa ibhalansi evuna umsebenzisi, kuzodingeka ukuthi ikhanselwe ibhange. Ngesikhathi isicelo esikhanseliwe senziwa, iklayenti lingakwazi ukubuyisela yonke imali ekhokhelwe ngokweqile ngenxa yaleyo nto; Kunconywa ukuthi wonke amaklayenti aqashe ummeli wezezimali.
Izahlulelo ze-mortgage yemali eningi
Eminyakeni yamuva nje, kuye kwavela izinqumo eziningi maqondana nokubolekwa kwempahla emalini eningi lapho ochwepheshe bezomthetho bephumelele khona ngokumelene nezinhlangano zezezimali, okushiya ubukhulu bezivumelwano ezisungulwe emphakathini. Namuhla lezi zimali zokubolekwa kwemali zisemfashinini lapho i-Euribor ibiza ngaphezu kuka-4%, nakuba amacala nezahlulelo ziqhubeka nokuvela lapho liphinyiselwa khona zivuna iklayenti. Kulolu hlobo lwemisho bakhomba izici eziningana ezifana nalezi:
- Imali okumele i-ejensi yasebhange iyikhokhe.
- Isivumelwano sokuthi i-mortgage izosetshenziswa ngama-euro.
- Ukumenyezelwa kokungabi nalutho kwe-mortgage yemali eningi maqondana namakhomishini, ukushintshana kohlobo lwemali kanye nesicelo sokungabi nazimali.
- Inkontileka yebhizinisi lezezimali yokubuyisela imali evela kule miqondo kanye nezinsiza ezihambisanayo ezifakiwe.
- Umbono kamantshi wokuthi i-ejensi yasebhange ayizange ihambisane nezibopho zophenyo ebekwe phezu kwazo, iveze kuphela umsebenzisi izinzuzo zomkhiqizo, kodwa ingamazisi ngobungozi nobungozi achayeka kuzo.
Isiphetho
Ngaphakathi kwe-mortgage yemali eningi, kufanelekile ukusho izinyathelo zomzuzu wokwethula isimangalo semali ebolekiwe yemali eningi, into yokuqala okufanele ikhasimende liyenze ukuya ebhange ukuyokwethula icala mayelana nesikweletu, lithathe imali ye-euro njengereferensi futhi i-Euribor, ngendlela efanayo, icela ukubuyiselwa kwemali ekhokhwe ngokwedlulele ngesikhathi sokuhlala nolunye uhlobo lwemali; Ibhizinisi kufanele lenze isiphakamiso sokuxazulula isimo, okufanele sifundwe ngokucophelela. Akufanele isayinwe ngaphandle kokubuyekezwa.
Esimweni esiphambene, uma kungekho siphakamiso noma isisombululo se-ejensi yasebhange, isimangalo kufanele sifakwe ukuze siye enkantolo, ngoba indlela yomthetho isekela isicelo salabo abathintekayo nalezi zivumelwano; lapho ukuba khona kochwepheshe bezomthetho kuzohlinzeka ngokuphepha.