Ngikuphi okuhlukileko kuneGreyidini loan mortgage? Injongo yokuboleka le mali

Iningi izakhamuzi uma uthenga impahla osebenza loan ebhange. Lokhu akusona isimanga. Phela, ukuze uthole emakubo ufuna wonke umuntu, kodwa ngiwusindise iminyaka, hhayi abaningi bayavuma. Ngaphambi kokuthatha isinqumo kanzima ngale ndlela kufanele kwenze qiniseka buza mayelana izinto nezindlela evuma.

Yini ukuba ingenzele? Loan nokukhokhela indlu? Futhi nanku umbuzo lokho loan mortgage lihlukile impahla? Ezahlukene lo mqondo, noma ungomunye futhi okufanayo? Ake sizame ukuqonda ndawonye.

Ngikuphi okuhlukileko kuneGreyidini loan mortgage?

Kunezindlela eziningana ukuze uthole imali yokuthenga ekhaya:

• loan zakudala;
• abatshelekayo;
• umthengi credit.

I yokuqala isikisela ukuthi umnikelo kokuqala ibhaliswe kufika eminyakeni engu-10. Kulokhu, nawe nakanjani kudingeka uqinisekise iholo lakho bese ukunikeza ulwazi mayelana umsebenzi olusemthethweni.

Esimeni sesibili, wena nakanjani ufuna idiphozi zokuphepha, okuyiwona futhi uyokwenza izindlu ezithengiwe. Nokho, le nkulumo loan Kulokhu luyanda kakhulu.

Lapho senza umthengi loan ezejwayelekile okwenza phansi lokukhokha akudingekile, kodwa ibhange ngamunye kwenza izimo ayo ezengeziwe sokubhalisa.

Kulesi sihloko sizozama ukuqonda umahluko phakathi imalimboleko a mortgage. Phela, zombili lezi imikhiqizo hhayi kuphela izimo ezahlukene, kodwa kunezinzuzo zako kanye nebubi.

ibheyili

Kwesinye isikhathi abantu banesithakazelo kungenye umbuzo othakazelisayo kakhulu: "Ngikuphi okuhlukileko mayelana mortgage kusuka mortgage?". By Igama elithi "mortgage" ngokuvamile libhekisela kubantu abasungula yena ibheyili, okudinga ibhange njengesiqinisekiso sokuthi imali izobuyiselwa ngesikhathi. Umqondo "mortgage obolekisayo" - kusho uhlobo loan, okungase ekhishwe ngaphansi isiqinisekiso impahla kuluthola. Uma kungenjalo kakhulu egxilile zonke izinhlobo ubuqili amagama, singasho ngokuqiniseka ukuthi lemigomo amabili asho into efanayo.

Okokuqala, umehluko phakathi mortgage imalimboleko (noma ezinye isikhungo sezezimali Sberbank) - kuyinto khona esisemqoka izibambiso. Hlela a mortgage, ngaphandle kokuba eseduze, akunakwenzeka ukuba kwenzeke. Nakuba loan ezivamile, kuhlanganise izindlu, ingatholakala ngaphandle iziqinisekiso ezengeziwe.

target isiqondiso

Ngokulandelayo, umehluko phakathi loan ekhaya kusuka mortgage - injongo loan. Mortgage - is kuphela okubhekiswe loan. Kukhona enye into ukuchitha izimali ngeke kwenzeke. Ngaphezu kwalokho, inqubo ukudluliswa lemali mortgage ngokwayo yakhiwe ngendlela yokuthi ikhasimende ayinakho thuba ukubamba imali ezandleni zabo, ukuchitha "ohlangothini" okungenani ingxenye izimali.

Yiqiniso, noma ikuphi loan kungenziwa okubhekwe. Into uthatha imali kaningi ngaphezu kuboniswe kulesi sicelo ngokubhala. Kodwa ukulawula ukusetshenziswa kwezimali kulokhu buthaka kakhulu. Ngakho-ke akukho lutho, isibonelo, udumo izindlu, ingxenye izimali esetshenziswa ukulungisa noma ukuthenga ifenisha entsha. Luyakwazi ukukhipha isikweletu ngokungenanjongo. Khona-ke ungenalo ukubika lapho imali wahamba.

Inani ngokuya obolekisayo

Abadayisi bezindlu - ethenga into ebizayo. Ukuze hlehlisa ingxenye omholo wazo bese ugcine nzima. Uma nje ukuqoqa imali nje devalued. Lo mbuzo kubalulekile ukucabangela lapho usebenzisa ibhange. Inani ngawo umuntu bangalindela lapho wenza indlu, yebo, kuyoba inkulu kakhulu kunangendlela lowo ikhishwa njengengxenye loan ezivamile. Lena enye into ohlwini lwalokho lihlukile loan mortgage. Thola loan ezivamile kuba lula. Ngaphezu kwalokho, uma mali incane ke lwamukelwa Udinga olunye ipasipoti kuphela. Ukuze a mortgage kuzodingeka ukuqoqa inqwaba yomagazini, amaphephandaba kanye kayikhulu ukufakazela isikhungo sezezimali solvency yabo.

Lokhu kusho futhi elithi loan - into elandelayo ohlwini lokho kuhlukile loan mortgage. Umuntu indlela isilinganiso neze bakwazi ngokushesha akhokhe isamba omkhulu. Ngakho-ke, kungenzeka mortgage wenza iminyaka 25-30. Ngesikhathi lapho igama elithi i-credit abavamile akuvamile idlula iminyaka eyishumi embundwini.

Inzalo engako, futhi izingozi

Elinye iphuzu elibalulekile ukuthi sihlukile kwesama loan mortgage ngoba ifulethi - intshisekelo kanye nenani ngokweqile. Njengengxenye loan indlu, ningaqiniseka ukuthi iphesenti eliphansi kakhulu ka ngokweqile. It is kunezimbangela ezehlukene, okubandakanya:

• eside loan;
• ukuhlolwa eziqine of solvency;
• eseduze kakhulu;
• Umshwalense esisemqoka izingozi esibalulekile.

Lapho befaka isicelo semalimboleko ezivamile (kufaka izindlu), ibhange akuyona ngempela kuphela uyazi kahle lapho imali uzobe wachitha, kodwa ngeke kube ngokuphelele ukuthi ngeke ngiphinde ngibabone. Ngakho-ke, inani lenzalo kulokhu iphezulu kakhulu.

Kunomehluko kwikhasimende. Uma abakwazi ukukhokhela izikweletu ku mortgage, yena ngeke nje ube ukunikeza ebhange izindlu kabusha uthenge. Ngokuvamile, isikhungo sezezimali ukuthi uthi futhi kulinganiselwe. Endabeni loan-non-ezivamile, umuntu ozakudinywa impahla yakhe yonke. Lapho semali loan oluvelele ebhange bayofuna senkokhelo uthishanhloko kanye enqwabelene izinhlawulo kanye inhlawulo, izindleko enkantolo kanye nezinye izinkokhelo. Uma ukubala konke lokhu ndawonye, isamba angahoxisa eyenza umuntu umane akanayo amafa ngokwanele ukuba isifundazwe sikhokhele ibhange.

Omunye umehluko kubalulekile ngempela ukuthi uma ukuthola ibhange mortgage kungenzeka adinga eseduze ukuba ukuthathelwa umshuwalense yena into, kanye nokuphila kanye nekhono wekhasimende ukusebenza. A umshwalense loan ngqo akuyona impoqo, futhi ibhange alinalo ilungelo uyifune. Ngokuba uma wenqaba ukuba ukukhipha umshwalense, kuphela lokho ungakwazi "ajezise" - ukwenyusa inani lenzalo.

onika

Yenza loan ezivamile (kufaka izindlu) akakwazi kuphela ebhange. izinkonzo ezinjalo zinikezwa izikhungo eziningi zezimali kanye credit nezikhungo microfinance. Kodwa abatshelekayo kufanele kuphela iya ebhange. Futhi akubona bonke sihlinzeke izinhlelo ezinjalo. Ikakhulukazi uma lo muntu obolekayo ulindele ukuthola ngaphansi kwezimo ezimvunayo.

Lokhu kungenxa yokuthi ukuthi Ukukhishwa mortgage elihlobene ne enifeza amasheke ezinkulu amakhasimende. Yenza lezi zenzo kuphela abazokwazi yesevisi yokuphepha onamandla, okuyinto izikhungo ezincane credit ngokuvamile abanawo.

Umnikelo kokuqala

Ngokulandelayo, umehluko phakathi imalimboleko a mortgage - khona inkokhelo yokuqala futhi ubukhulu bawo. Lapho befaka isicelo lokukhokha lomthengi loan phansi ngokuvamile ayidingekile nhlobo, noma kuyinto encane kakhulu.

Ukuze ukwazi ukufaka isicelo bengatshelekwa nje kudingeka bakhethe amanye inani esehlanganise ingxenye izindleko okuhleliwe. Ayanda lo Imali, izinga eliphansi lungatholwa yokubhalisa.

Yikuphi okungcono?

Ukuhlaziya umbuzo umehluko phakathi imalimboleko bengatshelekwa ku indlu, abantu abaningi bazibuze, nomunye: "? Pho-ke, kunenzuzo kakhulu ukuba uthole imali". Akukho impendulo eyodwa inganikelwa lapha. Konke kuncike isimo esithile.

Mortgage kuyozuzisa kwenzeka ukuthi:

• Ungakwazi ukuhlanganyela ohlelweni isaphulelo.
• Ingabe usuvele unayo izingane ezincane noma uhlela ukuthola kwabo esikhathini esizayo esiseduze. Iqiniso liwukuthi e phambi kwezingane ezincane, ngisho nokulahlekelwa eseduze nawe kudingeka ukuthi unikeze isikhala ephilayo ngaphezulu.
• amathuba yakho yemali izinze futhi uqiniseka ukuthi "ukudonsa" izinkokhelo eside ngenyanga.

Uma udinga imali elincane futhi usunayo 60-70% azo izindleko izindlu, ukuxhumana mortgage abolekise akwenzi mqondo. Kuyinto ukonga kakhulu ukuthatha loan ezivamile ngokushesha ngangokunokwenzeka ukusigcwalisa.

Khona-ke kukhona enye into: lapho mortgage iba umnikazi we-uthenge izindlu yasebhange (kuze ulindele ukubuyiselwa yona iphelele imalimboleko), kanye loan ngqo - kungcono impahla yakho. Uma okungalindelekile kwenzeka futhi awukwazi ukukhokha isikweleti ke ukuthengisa indlu mortgage kuyoba ebhange, i-credit - wena ngendlela yabo siqu. Ngakho ungakwazi ukusiza eningi imali eningi ukuba isifundazwe sikhokhele ibhange kanye ukuthenga eshibhile indlu.