Ngingaba ukuphuma yomshuwalense ngumuntu ebhange?

Umbuzo "kungenzeka ukuba ayeke umshwalense ku loan" okwamanje baqonde izinto ezenzekayo kakhulu ababoleka eziningi. Nokho, ezinye zinama- sendaba phambi udaba udumo, kuyilapho abanye - kamuva. Kulokhu, lesi simo ilingana.

Kungani udinga ukuvikelwa umshwalense?

Namuhla, izikhungo zemali ukunikela izinhlelo ezihlukahlukene loan, kusukela futhi liphetha ngamazwi abavamile umthengi abatshelekayo. Abanye bangase bacabange ukuthi umshwalense loan umthengi nakanjani akudingekile, futhi babheka izindlela ezahlukene kanjani ukuphuma umshwalense ku loan. Nokho, ngokwenqaba kuqondwe ukuthi kule sikhathi uba yingozi enkulu ebhange nge umboleki.

umshwalense Siqu kuyadingeka ukuze ucacise kusengaphambili

Ezimweni eziningi, zonke izimpendulo zalo mbuzo isivele lelipelwe kwinkontileka kanye yomshuwalense inkontileka. Ngakho-ke, ngemva ukusayina, ezimweni eziningi kuyinto sekwephuze kakhulu ukucabanga, kungenzeka ukuba ayiyeke le umshwalense ku loan. Ngakho-ke, ukukhetha uhlelo credit ayacelwa ukuba azijwayeze nesivumelwano sokubolekwa kanye nokubonisana kuzo zonke izindaba nge umphathi. Okokuqala okudingeka ukwazi izimo yomshuwalense kanye nenani premium nayo yonke imigomo ye obolekisayo.

Uma nesivumelwano sokubolekwa imali uthi umshwalense akuyona impoqo, sithole ukuthi kungenzeka ukuba ayeke umshwalense ku loan ngokushesha, ngaphambi kokusayina inkontileka, nokuthi ukwehluleka sizothinta Isilinganiso senzalo.

Gwema umshwalense impahla ngeke ukwazi

Ngokusho abameli eziningi, ngokuhambisana neSigaba 935 Code Civil, isakhamuzi kungenzeka ibe ngaphansi kwegunya nezikweletu elihlobene ne umshwalense uthenge impahla. Isigaba 31 yoMthetho "Ngo Mortgage" ubeka ukuthi umboleki kumele uhlinzeke Ukuvikelwa umshwalense ezindlini zabo (uthenge ngesikweletu) kusukela izingozi ezingase zibe khona. Mayelana ukwethulwa komthetho akekho ukuyeka yomshuwalense mortgage akulungile.

Ukulaxazwa lokhu lomshuwalense kungadala nokunqatshelwa credit. Ezinye amabhange bakulungele ukunikeza izinhlelo okunye. Ngokwesibonelo, abanye ucelwa ukuba athathe umshwalense kuphela timphawu tesakhiwo, lena enye nokwanda okuphawulekayo zenzalo akudingi ukuba ingenzele inkontileka umshwalense. Umehluko amanani ngezinye izikhathi sifinyelele 10% ngonyaka. It kuvela ukuthi ushibhile ukuthathelwa umshuwalense awabo kusukela izingozi saziso.

Ngingaba ukuphuma umshwalense phezu loan ngokusebenzisa inkantolo?

Uma, ngemva ukusayinwa nesivumelwano sokubolekwa, oyifundile mayelana umshwalense saziso, ngaphandle okuyinto ibhange enqaba ukunikeza , extra kusho kungenzeka ukuya enkantolo. Kulokhu, kufanele wenze isimangalo lapho ukuveza isicelo sakhe ukuze ibuyisele le mali. Namuhla, ukunqunywa amasevisi umshwalense engadingekile - disorder ezivamile emkhakheni wezezimali.

Umyalelo wenkantolo uma kunobufakazi obubhalwe abuyisele imali yomshuwalense.