Izinhlawulo kanye mortgages

Lapho umuntu enquma ukuthenga impahla kanye nokukhokhela indlu imali, kukhona eziningi nezimo ezifuna ukuba ukucaciselwa okwengeziwe. Naphezu kweqiniso lokuthi izinhlawulo ezibekiwe inkontileka, kwesinye isikhathi kuqakathekile ukuchaza ihluke kanjani nomunye. Phela, ngisho lo muntu obolekayo sisigcine futhi enesibopho angase abe nezimo ezingalindelekile.

Izinhlawulo - it is lokuvela yesivumelwano futhi fixed amazinga imali isinxephezelo, okuyinto icala nomuntu ngokwephulwa yesivumelwano, imigomo nezivumelwano. Njengoba ngokuvamile amiswa isithenjwa credit nokugcwaliseka ngasekupheleni izibopho, ukwephulwa kwemali ekhokhiwe igrafu. Ngo inqubo izidingo nokukhokhwa kwesijeziso, umuntu ayemkweleta unelungelo lokuthathwa njengomsulwa isidingo sokuthi ukufakazela ukuba khona kwamandla umonakalo. Futhi, akakwazi Aurora ikhokhele izinhlawulo kwenzeka ukuthi okweletayo akuyena obangela izithembiso.

Fine - uhlobo isigwebo, okuyinto sisetshenziswa kulezo zimo futhi ngokulandelana, okuyinto lihlelwe isivumelwane noma umthetho. It is kuchazwe khona inani elinqunyiwe noma iphesenti isamba isibopho ezivumelwano eye kwephulwe. Izinhlawulo ukuphoqelela inkontileka mortgage kukhona isilinganiso esifanele saleli umthwalo, okuyinto olunikezwe ukwephulwa izibopho. Izinhlawulo icala ngokuqhubeka icala futhi uvame ukuzibonisa njengoba amaphesenti isamba isibopho kwephulwe. Kwezinye izimo, kungenzeka ukukhokhwa inani elimisiwe. Ngenxa yalokho, isigwebo sisetshenziswa ezimbili amafomu eziyisisekelo: izinhlawulo kanye inhlawulo. Imibandela ehambisana nayo, zichazwe ukubolekwa imali noma ukuthola imalimboleko ngamunye sivumelwano.

Kunezimo lapho umboleki ngenxa yezimo uphuthelwe inkokhelo yanyanga zonke, futhi ibhange enquma ukuthi lezi zizathu uhlamvu oluvumelekile. Ngokwesibonelo, uma ushintsha noma alahlekelwe umsebenzi wakho kufanele ngempela ngumnikazi ukuxwayisa ebhange. Kwenze kuwufanele phambi kwenhlangano uqobo ukuze alethe itleyimu umboleki, njengoba ezihlobene sifundvo zimiswe ukuze, ukuyishintsha ngcono esikhathini esizayo kuyoba nzima. Ngakho, kulesi simo kungaba ukubambezeleka yokukhokha kanye refinancing. Nokho, umsebenzi wokugcina, lapho lo muntu obolekayo ayinakho imali kuyoba nzima kakhulu.

Kuleso simo, uma ibhange enquma ukuthi isizathu yokwehluleka ukukhokha ngesikhathi esifanele lemali edingekayo sokwedelela, ngokuvumelana nesivumelwano sokubolekwa, izinhlawulo zikhokhelwa kwasekuqaleni. Ngakho, lapho wenza inkokhelo elandelayo izoqala embozwe isigwebo, bese kuphela ukuqondisa credit. Ngakho-ke kubalulekile ukuba uqinisekise ukuthi main kanye nenani nyangazonke wayegcwele, kungenjalo inhlawulo isigwebo kuyodingeka bakhokhe ukuze ngenyanga ezayo.

Esikhathini isimo, uma yephula imigomo lokukhokha mortgage kuyinto ehlelekile, ibhange kungase kufunwe ekuseni buyiselo imalimboleko. Ngokuvamile lokhu kwenzeka uma lo muntu obolekayo ehluleka ukukhokha njengoba kufanele, futhi engakhokhi izinhlawulo ngaphansi inkontileka phakathi nonyaka kathathu noma sekwephuzile izinsuku ezingaphezu kwezingu-90.