Yokudonsa intela ku impahla atholwe

Ukuthenga indlu noma ifulethi - umcimbi Akajabuli kuphela. Nge yokufuna ilungelo lempahla kwezindlu umnikazi walo angathembela ikhono lokusebenzisa imali yentela. Ingqikithi yale Inzuzo ukunciphisa base intela, okuyinto lugcinwa yentela ngemali engenayo. Usayizi wokugcina we imali yentela 2 million. Ruble evumelekile namuhla ukuthengwa ingcebo izinkontileka aluphelanga ngemva 01.01.2008. Kulokhu, e nenani kwezimali ziyabhekelelwa, hhayi kuphela ezihlobene yokufuna ingcebo, kodwa futhi maqondana engadini yayo yasekuqaleni. Uma ukuthenga umuzi wenziwa emakethe eyinhloko, isidingo ukulungiswa kumele zibhalwe.

Izici Ezihilelekile Kule imali yentela

Okokuqala, ngokunenzuzo le inzuzo kungaba esisodwa, kungakhathaliseki inani izakhiwo kuluthola. Ukudoswa intela itholakala kuphela abanikazi ubudala nge umthombo unomphela engenayo. Uma indlu ithengwa ngegama owayesethathe umhlala-phansi, wathola isipho, noma ukuthengiselana eyenziwa kwezihlobo eziseduze, le imali yentela awukwazi ukusebenzisa. Lesi sici ayitholakali futhi osomabhizinisi, elingafunwa ingcebo - endaweni elihlobene ne ekuqhubeni umsebenzi.

Iphuzu elibalulekile ukuze imali yentela ukuntuleka ukuthengwa ingcebo kuyilapho sidebeselela imali abayithole ngokuthengisa isabelomali (isibonelo, womama dolobha) noma besithathu. Kodwa abanikazi abathenga impahla ngokusebenzisa loan indlu, ithuba ukwandisa ubungako omisiwe intela ebanjwayo. Ngenxa yalesi simo, inani eliphezulu 2 million. Ruble akubandakanyi inzalo ekhokhiwe ku loan.

I-oda sokubhalisa we imali yentela

Ukuze uthole inzuzo intela kumnikazi impahla kudingeka sithole kahle lapho kuyoba ilungelo layo. Nokuzibona handling intela intela ehhovisi imali ebanjwayo anikezwe ngesimo izimbuyiselo intela kukhokhelwe ngonyaka odlule. Lokhu kuzodinga ukuthi athumele iphakethe kwemibhalo ukuze acutshungulwe onikelwa izinyanga 3. Isikhalazo senziwa ehhovisi lentela besifunda lapho umnikazi we impahla kubhaliswe. Ngakho indlela isicelo sokubuyiselwa imali yentela ayisethelwe kwesikhathi komkhawulo, kungenziwa noma nini konyaka kulandela unyaka yokufuna impahla. Kubalulekile ngeke akukhohlwe lokulethwa ngesikhathi of ukumenyezelwa engenayo.

Labo abafisa ukuba ugcine isikhathi sakho wenze nomzamo, kunengqondo ukukhipha imali yentela ngokusebenzisa umqashi wakho. Kulokhu, ukukhokha inzalo uzokhokhelwa ngaphandle kokubanjwa kwanoma kwentela engenayo nje base yentela awufiki lemali edingekayo. Uma umnikazi has abaqashi eziningana, kunengqondo ukusebenzisa ilungelo sidonsa lapho iholo esiphezulu.