I-Mortgage Novation Iyini futhi isetshenziswa nini?

Izindlu ezibolekiwe zisiza abantu ukuthi babe nemali ngokubeka impahla noma impahla njengesibambiso sokukhokha. Nokho, lezi mboleko zingashintshwa ukuze kuthuthukiswe izimo zeklayenti, lokhu kwaziwa ngokuthi yi- ukwakhiwa kabusha kwe-mortgage.

I-Mortgage Novation

Kunezimo eziningi ezidinga ushintsho kwi-mortgage, lawa macala angaba ngenxa yengxenye yezomnotho, yomuntu siqu noma ngisho nomsebenzi. Ukulungiswa okwenziwayo kuhlanganisa ukuqalwa kabusha kwe-mortgage okusekelwe ekuhlukeni kwemibandela yokukhokha imali mboleko, ukuguqulwa kwabanikazi bezindlu, phakathi kwezinye izimo.

Ngale nqubo, izinguquko ezithile zingenziwa ngemuva kokuthi imali mboleko isivele yamukelwe, i izimali zokuvuselela i-mortgage Zibalulekile ukuze kuzuzwe ukuhlukahluka kwemibandela ehlobene nenani lemali mboleko. Kujwayelekile ukuthi lolu hlelo lwenziwe ezimeni ezahlukene njengoba lokhu kuthinta ukukhokhwa kwemali esungulwe yibhange.

Lezi zingxoxo zenziwa nebhange elithile ngoba ibhizinisi ngalinye lebhange linemibandela ehlukene, futhi ukuze kufinyelelwe le njongo, izinqubo ezihambisanayo kufanele zenziwe njengoba kufanele kuboniswe ukuthi kungani kwenziwa izinguquko ezishiwoyo, zisekelwa imibhalo engokomthetho eqinisekisa lokho okushiwo yibhange. iyacelwa.

Uma ufuna ukwazi indlela yokukhokha yanoma yisiphi isikweletu, uyamenywa ukuthi ufunde indatshana ye Ukuxazulula

Ukuguqulwa komnikazi we-mortgage ngenxa yesehlukaniso

Kungenzeka ukuthi izithandani ezihlala endlini zingaqhubeki nobudlelwano babo futhi zihlukanise, lokhu kuba nomthelela uma isikweletu sendlu singakakhokhwa ngokugcwele. Ngalawa macala, ukuvuselelwa kwe-mortgage kumele kwenziwe noma kusetshenziswe, ngoba imalimboleko inamalungu ombhangqwana njengomnikazi, ngakho-ke ngale nqubo ukuguqulwa okuhambisanayo kungenziwa.

Okokuqala umbhangqwana kufanele unqume ukuthi bazowugcina yini umuzi ngamunye, nokuthi yimuphi phakathi kwabo ozoba ngekabani. Emva kwalokhu, kumele kwethulwe imibhalo edingekayo eqinisekisa isehlukaniso nokuthi ngubani ozogcina indlu. Kubalulekile ukuba neseluleko sezomthetho kulezi zimo ukuze ugweme noma iyiphi inkinga engase ivele ekuqanjweni kwe-mortgage.

Uma kunqunywa ukuthi umuntu oyedwa ogcina indlu futhi inkokhelo yemalimboleko ingakaqedwa, umuntu onakekela indlu kufanele enze izinkokhelo ebezihambisana nelinye ilungu lombhangqwana. Ungakwazi futhi ukwethula inketho yokuthi bobabili baqhubeke nenkokhelo emisiwe nakuba behlukene ebudlelwaneni babo, lokhu kungancika ezintweni eziningi ezifana nesimo sokuthi banezingane futhi bafuna ukushiya indlu egameni labo.

Imininingwane ebalulekile

Ngale ndlela, umnikazi wombhangqwana uhlala egameni lomlingani ozoba ngumnikazi womuzi, uma kwenzeka oyedwa kuphela oqeda inkokhelo ye-mortgage. Uma kuphakama isimo lapho ukuvuselelwa kwe-mortgage kungaqhubeki, ilungu lombhangqwana olahla indlu akuseyena umnikazi wendlu kodwa usengumnikazi wemalimboleko, okudala izinkinga eziningi zomthetho nokunye okuningi. ngakho-ke uma Inkokhelo yesitolimende ingenziwanga ngokwemibandela enqunywe ibhange.

Kodwa-ke, kufanele kukhunjulwe ukuthi ibhange lilahlekelwa isiqinisekiso sokukhokha ngokunciphisa inani labanikazi bezindlu. Ngakho-ke, lesi sikhungo siphethe ukusungula ezinye iziqinisekiso eziqinisekisa ukuthi inkokhelo ehambisanayo yesikweletu sendlu izokwenziwa, ngaleyo ndlela ukuvuselelwa kwe-mortgage yekhasimende kufinyelelwe, kuqinisekiswe ukuthi izitolimende zizogcwaliswa ngokuvumelana nesivumelwano nebhizinisi lasebhange. .

Ukwehluka kwezinga lenzalo yemalimboleko

i-novation-mortgage-3

Ngokuhamba kwe-mortgage, izilinganiso zenzalo ezihlobene nevelu yemali mboleko ziyashintshwa, ngakho isitolimende ngasinye singaphansi kokuhluka kwale nzalo, ngenxa yokuthi iyanda noma iyancipha. Kubuye futhi kuncike ohlotsheni lwe-mortgage esetshenzisiwe, okungukuthi, i-mortgage engashintshi noma i-mortgage eguquguqukayo.

Ngenxa yalesi sizathu, esinye isicelo singenziwa ukuze kuqhutshekwe nokuguqulwa kohlobo lwe-mortgage, ukwazi ukuthi iyiphi elula kakhulu ukuyisebenzisa, kunconywa ukuba wenze izibalo zangaphambilini ngezilinganiso zenzalo ezihlobene, ukuze lowo okuzuzisa kakhulu kukhethiwe.yeklayenti ekwakhiweni kwe-mortgage enqunyiwe.

Uma ufuna ukwazi ukuthi uzikhokha kanjani izitolimende zempahla ngayinye noma eyakho etholiwe, kuyanconywa ukuthi ufunde isihloko esithi Izintela zokudlulisa impahla lapho kuchazwa inqubo efanele

Ushintsho esikhathini sokukhokha imali mboleko

Ngokusungulwa kwe-mortgage, unethuba lokuguqula isikhathi esisungulwe ukukhokha isitolimende semalimboleko, ukuze isikhathi sokukhokha sinwetshwe, ngaleyo ndlela kubangele ukuncipha kwezitolimende zenyanga, nakuba inani lezitolimende linyuswa, kodwa inani lazo aphansi, enze inkokhelo yawo ibe lula. Isikweletu esisungulwe yibhange sigcinwa, okuwukuphela kwento eguqulwayo yimibandela lapho ukukhokhwa kwemali mboleko kuzokwenziwa khona, kube izitolimende eziphansi futhi kufinyeleleke kuklayenti.

Ngokuvamile, le nketho ingasetshenziswa futhi esimweni lapho imali engenayo yehla, okwenza kube nzima ukukhokha izitolimende zemboleko. Ngendlela efanayo, ungacela isikhathi somusa we-mortgage lapho kufanele ukhokhe kuphela inzalo encipha nyanga zonke kanye nenani, lokhu kufinyelelwa ngokuvuselelwa kwe-mortgage, okungenye yezinjongo zakho eziningi zokufaka isicelo.

Ezinye izinqubo zibonakala zingenakwenzeka ngenxa yenani lezinqubo, kodwa ngeseluleko konke kugeleza.


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  1. Ubhekele idatha: I-Actualidad Blog
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.