Uma ufuna ukwazi lonke ulwazi mayelana owaziwayo mboleko yebhuloho, usendaweni efanele kuso sonke lesi sihloko sizozama ukuchaza incazelo yayo kanye nayo yonke imisebenzi yayo ngendlela elula. Ngakho awukwazi ukuyeka ukufunda.
Imali ebolekiwe yamabhuloho noma izikweletu yilezo ezinikezwa amabhange lapho ikhasimende lidinga inani elikhulu lemali ngaso leso sikhathi. Ngokwesibonelo, ukuthenga indlu.
Yiziphi izikweletu zamabhuloho?
Lokhu kuhlanganisa ikakhulukazi uhlobo lwemali mboleko engabizwa ngokuthi "ekhethekile", enikezwa ezinye izinhlangano zamabhange lapho elinye lamakhasimende abo linesidingo semali esisheshayo, singakubiza ngokuthi ikhredithi esheshayo.
Esinye sezici zayo ezinhle ukuthi ingabhekwa njengekhredithi yesikhashana noma ukuxhasa ngezimali, ngokuyisisekelo njengoba negama layo libonisa, ziyimali mboleko noma yesikhashana. Amabhange ajwayele ukuwanikeza ngendlela elula kakhulu, okuwukuphela kwemfuneko yokuthi iklayenti lingaqinisekisa ukuthi imali iyabuyiselwa esikhathini esizayo esiseduze.
Ngenxa yalesi sizathu, amabhange enza ukuhlolwa okusheshayo, ukuze ngale ndlela kuqinisekiswe ukuthi kuzokwenzeka ngempela ukubuyisela imali ebolekiwe ngaphandle kokuphazamiseka, yilokhu kuphela okudingayo ukuze ukwazi ukucela lokhu ngaphandle kokunye. inkinga.
Uyini umsebenzi wemalimboleko yebhuloho?
Manje sizozama ukuphendula lo mbuzo: Uyini umsebenzi oyinhloko wemali mboleko yebhuloho noma i-mortgage? Ukuyibeka ngendlela esheshayo nelula ngangokunokwenzeka, umgomo wayo ukuhlinzeka ngokuntenga noma ukunethezeka kwezimali kulawo makhasimende afisa ukuthola indlu noma indawo yokuhlala ngaphandle kokuthi ngaphambi kokudayisa eyawo, futhi ngale ndlela, akwazi ukuqinisekisa ukuthengwa kwezindlu. entsha futhi kamuva ukwazi ukuthengisa ikhaya lakho ngendlela elawulwa kakhulu, elula, futhi ngaphezu kwakho konke okukhululekile.
Kodwa ungase uzibuze ukuthi ibhange lizonginika isikhathi esingakanani ukuze ngikwazi ukwenza inkokhelo efanele yemali mboleko eceliwe, nakuba isincomo siwukuthi uye ebhange lakho futhi lapho ungacela ulwazi olufanele. Njengoba ngezinye izikhathi lezi zikhathi zingase zihluke, kodwa amakhasimende ngokuvamile anikezwa imigomo ephakathi kweminyaka emibili kuya kwemihlanu ukuze akwazi ukukhokha isamba semalimboleko eceliwe.
Ngale ndlela, uzoqinisekisa ukuthi unesikhathi esidingekayo ukuze ukwazi ukuthengisa indawo yakho futhi ukwazi ukucela isipho esihle. Ngakho-ke ungangabazi ukubuza amabhange akho uma enalolu hlobo lwezicelo ezisebenzayo, azosiza kakhulu.
Uma ungathanda ukufunda ukuthi ungasifaka kanjani isicelo se- ukubolekwa imali kwabangasebenzi eSpain, kufanele ufake isixhumanisi esedlule, lapho uzothola khona indatshana enalo lonke ulwazi ngale ndaba. Awukwazi ukuyeka ukuyifunda.
Imali ebolekiwe yamabhuloho ihlukile kwejwayelekile, ngoba ivumela ukukhokhwa kwenzalo kuphela, efakwa ezinkokhelweni zanyanga zonke zemali mboleko yakho. Kuze kube yilapho iklayenti selikwazi ukukhokha inani eliyinhloko eliceliwe.
Umehluko phakathi kwemali mboleko yebhuloho kanye nemalimboleko evamile?
Lezi zimali mboleko ezimbili zinomehluko othile, esizozama ukuchaza ngezansi, okokuqala, izitolimende zokukhokha zezikweletu zebhuloho noma i-mortgages cishe njalo zihlanganiswe nezinkokhelo zenyanga zendlu entsha, ngakho-ke, Ngale ndlela, njengeklayenti. , akudingekile ukuba ukhathazeke ngokukhokhwa okwengeziwe kwezitolimende ezivamile, kodwa ngesikhathi sokwenza inkokhelo ye-mortgage yanyanga zonke, uzobe usuvele wenza izivumelwano zokukhokhwa kwemali mboleko obuceliwe.
Iyiphi inzuzo elethwa yilokhu?
Kulula, wena njengeklayenti ngeke kudingeke ukhathazeke ngokukhokha inzalo eyengeziwe, iphuzu eliwuphawu olukhulu lapho ufaka isicelo semalimboleko yomuntu siqu evamile, engenza umthwalo wokufaka isicelo salokhu ube nzima kakhulu. akusafanele ukhathazeke ngakho.
Elinye iphuzu elingakuthakasela ukuthi imali ebolekiwe yamabhuloho ingakhokhwa ngokushoda kwezimali (Ngale ndlela kuphela izinkokhelo ezihambisana nenzalo zenziwa, ngaphandle kokuba nemali enkulu yemali egcwele), noma ibhange libala imali encishisiwe ekhethekile ( Lokhu kuhambisana enanini elikhethekile elibekwe yibhange futhi lengezwe kwi-mortgage yokugcina, kuvela ukuthi lingafana kakhulu nephuzu esilichazile ngenhla futhi la manani angahambisana nokukhokhwa kwenzalo).
Ngakho-ke sincoma ukuthi wena, njengamaklayenti amaningi afaka isicelo sokusebenzisa lolu hlobo lohlelo lwezimali, uthambekele ekwenzeni inkokhelo yanyanga zonke enenzalo kuphela. Njengoba besho ukuthi inhloko-dolobha izobuyiselwa ngaleso sikhathi abangathengisa ngayo ikhaya labo lamanje futhi ngaleyo ndlela bakwazi ukwenza i-amortization ephakeme kune-mortgage.
Izinkinga zokubolekwa kwebhuloho
Nakuba kuze kube manje ngalokho osekushiwo singacabanga ukuthi lolu hlobo lwe-mortgage lungaba inketho yethu engcono kakhulu, njengoba isinika induduzo nethuba lokukwazi ukwenza inkokhelo eqhubekayo, kubalulekile ukuqaphela ukuthi ibhange lapho lithatha isinqumo ukukunikeza imalimboleko Lo mfana usebenzisa izingozi ezimbili:
Okokuqala ukuthi awukwazi ukuthengisa ikhaya lakho phakathi nesikhathi abasisungulayo futhi okwesibili kuwumphumela wokuqala, ngoba ngokungabi nayo imali ekuthengisweni awukwazi ukubuyisela inhloko-dolobha futhi, ngakho-ke, awukwazi ukubuyisela inani eliphelele. inani lesikweletu.
Ngenxa yalesi sizathu, lezi zinhlobo zemali mboleko azinikezwa wonke amaklayenti asebhange, ngokuvamile zitholakala eqenjini lebhizinisi, cishe njalo kulabo ababhekwa njenge-VIP. Futhi lokhu kungenxa yokuthi lowo ozongena enkingeni kungaba nguwe njengekhasimende, njengoba wawungakwazi ukubuyisela uthishanhloko kanye nenzalo eyasungulwa kusukela ekuqaleni futhi, njengoba ungenayo imali, lokhu kungafinyelela amacala aphezulu omthetho. .
Kungakho isincomo esingcono kakhulu esingakunika sona ukuthi ucabange kabili ngaphambi kokufaka isicelo salolu hlobo lwemali mboleko yokuhlanganisa amabhuloho, siphakamisa ukuthi usebenzise ezinye izindlela ngaphambi kokukhetha lena, ngokwesibonelo, ukuthi isihlobo singayiboleka imali.
Kodwa uma kwenzeka unqunywa, siyakutshela ukuthi kungaba enye indlela enhle, ingakusiza kakhulu, ungenza umnikelo omuhle wekhaya lakho lamanje futhi ekugcineni ulidayise usebenzisa ikhaya lakho elisha, obuvunyelwe ukulithola. ukuthenga sibonga ukusetshenziswa mortgage. Ngakho sikumema ukuthi uhlole zonke izinzuzo nezingozi ngaphambi kokuthatha isinqumo sokuyi-oda.
Ngale ndlela, siqeda isihloko sethu mayelana nokubolekwa kwebhuloho, sithemba ukuthi sikusizile. Nokho, njengoba sazi ukuthi ungafuna ukwazi ulwazi oluthe xaxa, sikushiyela ividiyo elandelayo. Thatha imizuzu embalwa ukukubona ngeso lengqondo, ngeke uzisole.