Mortgage - yesibambiso obhalisiwe, okuyinto wayakha ngaphakathi sivumelwano

Ukuze mortgage loans libhekene eseduze ngesimo impahla engenakususwa. Lolu hlobo lwe-kuthengiselana kudinga isiqinisekiso esemthethweni idokhumenti ekhethekile, ngoba nguye ofanelwe udumo ngenxa ingcebo - kuba loan lemali kunalokho enkulu imali. Ngaphezu kwalokho, kukhona umbuzo mayelana isibambiso ethize, indima eyadlalwa uthenge indlu, ifulethi noma zezinye izindlu.

Kule ndaba, amabhange Russian sethule yokubhaliswa mortgage kanye nesivumelwano mortgage.

What is mortgage

Mortgage - a security ukuthi elawula ubudlelwano phakathi umbolekisi kanye umboleki.

Ngenxa wakhe, umnikazi iba umnikazi amalungelo ezimbili:

1. Ilungelo ukwenza izibopho zezimali ku bengatshelekwa ngaphandle kokunikeza ubufakazi obengeziwe ukuze nje liqhubeke likhona.
2. Ilungelo lokusebenzisa impahla, ekhishwe ngaphansi mortgage njengoba izibambiso.

Okuningi azichaze ngokunembile lokho a mortgage nokuthi ukuthi lihluke kanjani inkontileka mortgage, kungenzeka ngokusho etafuleni elandelayo:

Uhlolojikelele

Mortgage - a ukuphepha izikweletu, okuyinto iphela kuphela ngemuva kokukhokha ezigcwele zonke izibopho umboleki yomuntu obolekisayo. Nakuba-ke yisikhathi, wamalungelo, ibhange kabusha isibambiso noma ukuthengisa mortgage kwezinye izikhungo zezimali kanye credit. Yiqiniso, kuphela uma imvume siqu umboleki. Nokho, lesi akusona elikhulu akusho unikele ngokwayo yesibambiso: nemibandela yesivumelwano mortgage, kanye nemibandela mortgage, kukhona zinjalo.

Russian imikhuba abolekise engabondli abakubo yokubhalisa ayimpoqo lokhu ephepheni. amabhange amakhulu, isibonelo, musa bebona kudingekile afune umboleki ukungena ngemvume a mortgage, ngoba izinqolobane zabo ephoqelela imali, okungukuthi, zingabantu ngaleyondlela yayingeyona bokulahlekelwa isamba ezithile ezibalulekile yena. Kodwa iqhaza hhayi esikhulu credit kanye nezimakethe zezimali bagcizelele ukuthi kuvulwe ukubhaliswa kwe-mortgage ukuze bazivikele.

Isici esibalulekile salo a mortgage wukuthi ngemigomo yayo kuqala ukudlula mortgage inkontileka. It kuvela ukuthi izibopho ze-non-ukuhambisana sezigcwalisekile ngaphansi kwezimiso zoMthetho mortgage.

Ungenwa mortgage loan - kuba idokhumenti eyinhloko lesi senzo, ngeke aqinisekise mortgage, futhi mortgage - lena isiqinisekiso yakhe. Mortgage Original siyohlala sibekwe nge ebhange enikeziwe loan, umboleki uthola ikhophi eqinisekisiwe ummeli olungisa izivumelwano.

Mortgage - kuyinto ukuphepha ubulungu okuzisholo okuyinto akuvumeli yasebhange isikhungo sezezimali ukuze uthumele besithathu ngaphandle kwemvume ebhaliwe umboleki.

Ingqikithi mortgage

Mortgage - isixhumanisi ezimakethe ingcebo kanye izibambiso. Isiphetho sendaba is mortgage refinancing, okusho mortgage izikweletu lingathengiswa noma ngamasimu. mortgage isikhungo laqanjwa muva, okuyinto ngokungangabazeki isho inqubekela ekuthuthukiseni emakethe ezikweletini izibambiso. Ngakho, amabhange uzokwazi ukuthengisa isikweletu emakethe yesibili, ngaleyo ndlela ukuqinisekisa ngokwayo elikhulu imithombo yezimali Uhlaka abolekise eside.

Mortgage iyona amabhange ezibaluleke kakhulu ukubolekisa okukhulu ngaphansi ukwakhiwa kanye nezindlu ngomumo eyenziwe. Yesikhathi eside isikweleti sendlu ayikwazi based kuphela imali kanye namanye ama-akhawunti emabhange. Ezinkulu eside abolekise ukwakhiwa ukuthengwa kwempahla yangasese zidinga refinancing amathuba ezimakethe zamasheya kanye. umlando emhlabeni zezimali ukuba sidlule siye sabonisa ukungakwazi ukuthuthukiswa evamile emakethe ngemali yokwakha ngaphandle abatshelekayo.

NeMibandela kokukhipha mortgage

Lezi izibambiso ingakhishwa, kuncike kwimibandela ezintathu:

• isibopho oyinhloko - ukheshe;
• ekuphetheni inkontileka mortgage ayohlanganisa inani izikweletu kuso, noma nenqubo ngawo sizokwazi ukucacisa;
• esivumelwaneni mortgage kumele kube into ekhona udaba mortgage.

Lokhu akusho ukuthi mortgage noma inkontileka main babe uyize. Bobabili uqhubeke avumelekile. Kodwa kufanele sikhumbule ukuthi mortgage - kuyinto izibopho nokuvikeleka zazo kuvikelwe izibambiso. Umnikazi ungabuyisa isihloko mortgage loan noma ukuthola ukusebenza yesivumelwano eyinhloko mortgage, kunokuba ngesisekelo mortgage noma inkontileka enkulu. Ngaphezu omunye izici mortgage kufanele udluliselwe ukubhaliswa isimo ayimpoqo izibambiso.

Imibhalo elikhiphe mortgagor. Mortgage - inkontileka isibambiso nayo ezishicilelwe e ikhophi eyodwa, ngokubhala, kwifomu ekhethekile amafomu ejwayelekile. ukubhaliswa State of a mortgage kuhilela khona inombolo yokubhalisa eliyingqayizivele futhi cindezela, ngaphandle okuyinto lokhu nokuvikeleka uyize.

imikhakha lezinto

Mortgage - kuyinto eseduze ezokuphepha ngoba okungase omunye izinjongo kule mikhakha elandelayo:

• zokuhlala, izindlu kanye izingxenye zalo;
• izinto sidle;
• umhlaba;
• emagalaji, izindlu engadini, Cottages nezinye izakhiwo ngenhloso umthengi;
• izitsha uma uya phakathi nezwe, imikhumbi, izindiza, isikhala izinto.

BS ayikwazi abulawe, uma sivumelwano into engenakususwa nge izakhiwo ezithile, njenge:

• umhlaba;
• ibhizinisi njengoba eziyinkimbinkimbi ezakhiwe endaweni eyodwa njengoba futhi indivisible;
• izinkuni, njll

Ngo isivumelwano mortgage njengento inganikelwa ilungelo ukuqasha.

Kuyini a mortgage ku izibambiso emakethe

Mortgage - supply onokwethenjelwa izikweletu. Le nkampani, engabanikazi bephephandaba iphothifoliyo mortgages, ukukhulisa imali eyengeziwe liyoba nelungelo ukuqala esikhiqiza izibopho lalo. ukubuyiswa kwemali yabo kungenxa ukukhokha inzalo abatshelekayo ephethwe yinkampani elikhiphe izibopho.

Mortgage izibambiso emakethe - idokhumenti elihlangabezana nezimfuneko ezithile. Ikakhulukazi, kumele kube ngokoqobo, okungukuthi, ephepheni, lowomuntu kumuntu kumele kudingeke ukwethula ulwazi oluthile. Ukuba khona cha bonke of them usula ngokuzenzakalela ukubaluleka kwayo.

Ngaphezu izinto lomthetho nedatha mortgage zingaletha ulwazi ebekwe pledgee kanye pledgor. Ngokwesibonelo, kungase kube ezinye unswinyo kusebenza umboleki uma kwenzeka ekhokhe sekudlule isikhathi sokukhokha ezayo, noma ezinye izici ezithuthukile, kulindeleke ukuba silondoloze impahla eyisibambiso. IBhange unelungelo lokuthathwa njengomsulwa ngokuzimela, ngaphandle iqhaza okweletayo, ukubeka mibandela eyengeziwe.

Ukudluliswa a mortgage nasemiphumeleni yaso ngokomthetho

Ukudluliswa a mortgage ngomqondo zomthetho ihlukaniswe izigaba ezimbili:

• ukubhalisa ukuvumela esivuna transferor (noma yiliphi iqembu lesithathu);
• ukudluliselwa langempela le yokuqala.

Endorser (lowo sihamba ukuphepha) iyadingeka ukunikeza isaziso esibhaliwe okweletayo ukundlulisa mortgage Empeleni. Ngemva kokuthola lo mbhalo, le endorser iba umnikazi we zonke amalungelo mortgage mortgagee futhi inkontileka aphethe. I endorser zizabalomlandu kubo ngenxa ukuthembeka ulwazi oluqukethwe yokuphepha enikezwe. Ngaphezu kwalokho, ukudluliselwa mortgage kusho isiqinisekiso nge endorser ekukhishweni athembekile azo zonke izibopho okweletayo ngaphansi inkontileka. Ngemva mortgagor ukudluliswa iphepha disclaims konke icala endorser ngokwehluleka ngu okweletayo kwanoma iyiphi imisebenzi.

Nokho, kukhona umshwana yonke eMthethweni? "Ngo-Mortgage" sihlinzekela ukuqokwa izimo of icala. Ngakho mortgage umthengi kwandisa induduzo yakho siqu ukuphepha izimali zabo.

Refinancing usebenzisa mortgage

Umthetho "Ngo Mortgage" inikeza izindlela eziningana ukuze sifeze refinancing ka mortgage loans ngosizo:

• ukudayiswa mortgage;
• isibambiso yayo
• Yamadivayisi yale dokhumenti nge isimo oyisibopho ukuba alihlenge;
• udaba izibambiso mortgage-wasekela.

Kuvele ehilelekile ezibalulekile kule ndaba ukuthi mortgage refinance kungasizuzisa ukusebenza zonke izibopho nge okweletayo ku loan.

Emihle nemibi izibambiso mortgage-wasekela

Izinzuzo Ukukhishwa mortgage izibopho kanye nezitifiketi yilezi:

• Ukuthola imakethe mortgage nezimali ezinkulu ukuze sandise kwenkululeko mortgage abolekise;
• zimali ukuthola izibambiso abahola eliphezulu futhi iziqinisekiso.

Ububi mortgage izibopho kanye nezitifiketi zomnikazi ukuthi kungenzeka ekukhokhweni loan okweletayo ngaphambi umnqamulajuqu. ingozi Ephakeme ukubuya ukubaluleka ubuso isitifiketi, futhi umphumela waba ukuthi umnikazi izibambiso mortgage ngabe ozakudinywa eside ukubuyiselwa ngesimo isithakazelo.