Indlela ukukhetha mortgage kwesokudla

Esinye nesinye isakhamuzi ufuna ukuba zishiye amakhaya azo, futhi kuyisifiso kungokwemvelo. Okwamanje, emakethe mortgage ukhula ngesivinini esimangalisayo. Wonke amadolobha amakhulu has inqwaba ababoleka ezahlukene abazama ukunikeza amakhasimende ne-izimo ezikahle kakhulu. Nokho, lokhu emakethe akulula njengoba kungase kubonakale. Lapha kukhona inala izingibe, njengoba kunjalo abolekise bendabuko. Ngakho-ke elifanele mortgage akasakhulumi, kodwa uma isimo esinjalo ukuthi ayimpoqo, kukhona amanye amacebiso ungenza lokhu Inqubo ayiwona umthwalo ngakho. Lona umbuzo main - indlela ukukhetha mortgage kwesokudla?

Yiqiniso, wonke umuntu uyaqonda ukuthi akudingekile ukuthi zivume sipho wokuqala credit izikhungo. Mortgage emakethe evulekile, ngakho ukuthola ukuthi yiziphi izimo ubukisa elilodwa noma kwenye umboleki, awukwazi ngisho uthole kusukela isihlalo. Inkinga Kungenzeka ukuthi umqambi uzovimba lokuzikhethela yebhange ubuncane. Empeleni, lo mkhuba esingathandeki kakhulu, kodwa ngezinye izikhathi kuye kudingeke ubhekane naso. Bese umbuzo kanjani ukukhetha mortgage kwesokudla, kuphuthuma nakakhulu.

Akubalulekile ukuba ahileleke isimo, uma wokwakha namanje at the stage of action. Lokhu kungenxa yokuthi ukwakhiwa kungenziwa wayeka nganoma yisiphi isikhathi, futhi imali yokukhokhela kusadingeka. Kungcono ukuthatha mortgage ku ifulethi, ugunyazwe ikhomishana ezikhethekile, ukuthi ilungile ngokuphelele yonke. Kufanele ubuyekeze futhi ukuhlola zenzalo e jar ngamunye. Kungenzeka ukuthi izikhungo ezahlukene akuzona umehluko omkhulu onjalo, kodwa endabeni yokufuna izindlu doge kumakhulukhulu iphesenti siphenduke ngempela isamba esikhulu semali. Kubalulekile nokukhumbula ukuthi, ngaphezu imali uzodinga akhokhele, ngidinga imali uzobe ukuphetha izinkontileka ezidingekayo kanye yomshuwalense.

Indlela ukukhetha mortgage kwesokudla?

Ngaphambi ukuphothula ebhange lapho uhlela ukuthatha loan indlu, kuyadingeka ukuze uthole ukwaziswa okunokwethenjelwa mayelana nesikhungo kanye nemibandela loan kuwo. Okokuqala, sinake Isilinganiso senzalo. Kubalulekile ukuqonda ukuthi inani lenzalo kuyinto ezinhlobo ezimbili: fixed kanye elintantayo. Floating ushintsho ngokuhamba kwesikhathi. into enjalo kungaba okuyingozi kakhulu, ngoba iklayenti ucabangela amaphesenti eboshiwe ephansi futhi obolekisayo isikhungo - phezulu. Enye ukucabangela ebalulekile lapho sinquma indlela ukukhetha mortgage, silingana ukukhokhelwa phansi. Ngezinye izikhathi amabhange ukuheha aphansi ubukhulu yokukhokha phansi, kodwa isithakazelo sawo esiqhutshwa izinga lidlula izinga encintisana.

Iphuzu elibalulekile - imigomo obolekisayo. Kuze kube manje, azikho eziningi amabhange nabazimisele kumakhasimende abo iminyaka engamashumi amabili, ngakho-ke akuwona ngakho ethandwa eside obolekisayo. Lesi simo sengqondo kungenxa yokuthi ezweni lethu kunezikhathi ezihlukene, ngakho amabhange akuzona uzimisele engozini inhloko-dolobha yabo kakhulu ukuvumela amakhasimende ezifana ukubolekisa eside.

Kunoma yikuphi, uma unentshisekelo a mortgage kanye mortgage, ukukhuluma nabangani, ikakhulukazi labo ngalolu daba wabambisana kakade nge omunye amabhange. Kufinyeta, singasho ukuthi isinyathelo sokuqala ukuxoxa iziphakamiso amabhange eziningana. Musa kudingeka baqonde ekuqaleni esakhiwe yasebhange noma ngabe izimo ingahluphi kakhulu. Kungcono ukukhetha eside futhi ngokucophelela kuka ukuxolisa ngenxa isinqumo esithathwe ngokushesha okukhulu.