Kufanele ngikhipha a mortgage: izeluleko kongoti

Mortgage njengoba enzeka uye riveted ukunakwa kanye nomphakathi thuthuva nje okuningi, njengoba sake sanikezwa azimele, izaphulelo kanye nezinye emisha kahulumeni efanayo.

Ngemva kokuzwa imibono eminingi, izindaba ezivela kubangani, ezithembisa izindaba kusukela amabhange, ngamunye eligoqiwe umbono wakho ngalolu hlobo loan. Kodwa umbuzo main ukuthi abaningi baye abakwazi ukuphendula ngokwakho - ukuthi athathe mortgage - Namanje elinde ukuhlolwa Inhloso isimo. Ukuvula wakhe hhayi Ochwepheshe amabhange, aziziningi izakhamuzi, uthole waiver noma ukwamukelwa, ngemva kwalokho kwezimo wavele washintsha ube mubi kakhulu. Ngayinye yalezi abantu abakwazi ukunikeza impendulo umgomo. Ake sibheke abantu abasebenzelana mortgage nsuku zonke, hhayi kuphela is aware of bonke zako, kodwa futhi wabhekana nenkimbinkimbi imvume futhi buyiselo ezikweletini.

Umuntu onjalo broker mortgage noma onguchwepheshe mortgage. Akazange asinikeza impendulo ecacile yombuzo yethu - akukhathaleki ukuthi athathe mortgage - bese utshela, ngaphansi kwaziphi izimo kuwufanele, futhi yini akuzona.

Ake uqale nge isimo emnandi kunazo, okuyinto ezweni lakithi ezingavamile. Abantu ukuthatha indlu, uma kungekhona impahla yakhe, futhi imali ikuvumela ukukhokha izinkokhelo zenyanga ku inani 15 kuya kwezingu-20. Ruble, ngaphandle kokubukela phansi ibhajethi umndeni. Lona umboleki ephelele ebhange, futhi sitholakala kanye amaklayenti 100 (uma kungenjalo ngaphansi).

Kufanele ngikhipha a mortgage uma impahla alikho, kodwa uzokwenza umsebenzi oncomekayo kanye irenti kuleli 9-10 ayizinkulungwane. Deda., Kodwa hhayi okungaphezu kwalokho? izinkokhelo zanyanga zonke kwi mali izosiza azisizi mayelana efanayo, uma uthatha omunye endlini enamakamelo esakhiweni esisha (kusukela unjiniyela noma zimali - into esemqoka ukuthi kwaba yinto esemthethweni). Kuyinto inzuzo kakhulu uhlelo inketho mortgage. Uma impohlo noma umbhangqwana osemusha, noma umkhaya onomzali ongayedwa nengane eyodwa - a mortgage ngawe isixazululo esingcono kakhulu ukwedlula ngokuqasha ifulethi.

Nokuthathelwa bawuthatha ngokungathí ngcono izimo zokuphila, kwenye indawo noma idolobha. Kulokhu, a semali awudingi, sidinga kuphela umehluko phakathi ukubaluleka amafulethi ezithengisiwe kuluthola (ngokuvamile, lokhu Isamba ayizinkulungwane 300. Deda.). Futhi ungenza kahle ezinkulu neipotechnym credit. Nakuba zenzalo emalini ebolekiwe elingenhla ezinjalo, kodwa igama yokukhokha nezimfuneko ezincane kakhulu futhi ngaphansi umboleki.

Thola ebhange mortgage kunzima ngempela. Uzodinga uhlu kwemibhalo, isineke nesikhathi. Ibhange uyenqaba udayise ngokuvamile. Futhi imbangela eyinhloko ukwehluleka ngumlando omubi wokukweleta, ukuboshwa, ukuntuleka imali ukuthi ngandlela-thile uqinisekise. Kodwa kukhona abaqotho ngokwengeziwe esimisweni. Ngokwesibonelo, Zapsibcombank inikeza mortgage noma ngabe une umlando omubi, kodwa ngaphansi kombandela wokuthi ukubambezeleka akazange bakha wenyanga 1, futhi ungaweqi ezingaphezu kuka-5.

Mortgage akufanele ukuthatha uma ukuphila kwakho Kulindeleke izinguquko ezinkulu: umhlalaphansi, isehlukaniso, umsebenzi ushintsho, okubhekwe kwalokho emkhayeni. Futhi uma umthombo wakho imali kungathembeki: uma ukulahlekelwa noma yiziphi izinkokhelo sekwephuzile, bese ungalahlekelwa efulethini uthenge. Khona usele nge lutho.

Uma, ngemuva kokuthi wathi kwakungenakwenzeka ukuba linqume ukuthi athathe mortgage, kufanele uthintane nge onguchwepheshe.

Emizini izwe ethu avuleke izindlu eziningi Brokerage, cishe njalo ingcebo ejensi has ongoti mortgage obolekisayo. Ukubonisana phezu nenhlalakahle indlu, njengoba umthetho, mahhala. Kodwa uma ungenalo ukwethemba ezokuhwebelana, singaya noma nini ukuze isisebenzi sasebhange emnyangweni mortgage. Kodwa ngeke kungagcini iseluleko e yasebhange eyodwa kuphela. Ukuze uthole umbono ophelele kangcono ukugwema wonke amahhovisi edolobheni lakho, futhi, mhlawumbe, maphakathi lesifunda endaweni yangakini. Kungaleso sikhathi kuphela lapho ukwazi uma mortgage ikufanele wena, nokuthi kuyokunikeza. Kungcono ukwazi kuka ezimathonsi ezingabanjwanga ithuba.