A mortgage kungabikho lokukhokha phansi: kanjani ukuba uthole?

Okusanda atholwe isevisi yasebhange athandwa kakhulu njenge-mortgage ngaphandle inkokhelo phansi. Ngeshwa, ezweni lethu namanje ngezinga eliphezulu Ukungathembani sabantu kuya izinhlobo ezahlukene credit izikhungo, ngakho-ke, ukubolekisa eside akuzona ethandwa kakhulu. Nokho, ingcebo amanani emadolobheni amakhulu uphakeme kakhulu kangangokuthi mortgage loans kungabikho lokukhokha phansi ngezinye izikhathi kuphela indlela ukuthola izindlu zabo. I efanele kakhulu Isihlongozo imindeni abasha abangenayo capital enkulu ekuqaleni-up.

Noma yimuphi kokunikezwa isikweletu ngokumelene eseduze

Yiqiniso, ungalindeli ukuthi ibhange izonikeza isizumbulu semali, hhayi afune izinto ngenkani kwabanye kwanoma yisiphi isiqinisekiso ukubuya yayo. Nokho, ukuthuthukiswa mortgage izinhlelo atholakalayo. Uma emva kwenhlekelele ubuncane ukubaluleka umnikelo okungenani u-30%, kodwa manje lokhu sibalo lehla ngo-10%. Ukuze uthole imalimboleko ezinjalo, kuzodingeka ukuba uyinikeze sikhungo credit uhlu kwemibhalo. Enye yezinto sokunquma lapho sicabangela ezingaba umboleki ubhekwa solvency yayo, okungukuthi, inkokhelo kanye nokusimama kwezimali ibhizinisi, lapho iklayenti baqashwe.

Mortgage ngaphandle inkokhelo phansi mortgage izindlu

Lokhu kukhetha efanelekayo kulabo bayizakhamuzi ngumnikazi we efulethini, igumbi, endlini, ngisho isiqephu sezwe. Umkhawulo loan lemali kunqunywa kubalwa 80% yenani abekiwe izibambiso into. Lezi zinhlelo yilezi asihambisani kahle imindeni ngifuna ukuthenga, izindlu ezintsha ibe banzi. Okwamanje, amabhange eziningi commercial ukunikela ncamashi lolu hlobo ukubolekisa eside, ngakho sithathe isiphakamiso inzuzo ilula.

A mortgage kungabikho lokukhokha phansi ngenxa abolekise double

Le ndlela isekelwe enguqulweni yangaphambilini. Wena kuqala ukuthola loan elibekwa impahla noma amalungelo akhona, bese isicelo loan sesibili lemali elingekho kuthengwa. Le ndlela kubalulekile ikakhulukazi lapho-ke inani elilinganisiwe eseduze akusho ukuphila ngokuvumelana okulindele futhi ukubaluleka loan ahlinzekwa akwanele ukuba azitholele impahla abakhethiwe. Yiqiniso, kuhle ukucabangela ukuthi kufanele ibalwe kusukela loans ezimbili, ngakho kufanele pre-ukuhlola amandla abo.

Mortgage ngaphandle inkokhelo phansi ngosizo umthengi credit

Ngu le ndlela asebenzise abantu ngaphandle kwanoma iliphi ilungelo lempahla. Kulokhu, njengoba inkokhelo phansi noma eseduze ukhonza inani lemali athathwa kwenye yasebhange lohlelo umthengi obolekisayo. Ngakolunye uhlangothi, lo muntu obolekayo uyakwazi ngokushesha beka loan ngesisekelo iqoqo ubuncane kwemibhalo, futhi ngaleyo ndlela kunonophisa luhlelo yokubhaliswa mortgage. Ngakolunye uhlangothi, umthengi kwemali ubhekwa ezibizayo, ngakho kufanele akhokhe izikweleti aphakeme senzalo. Ngakho, ukuze uthole loan ku ingcebo ngaphandle inkokhelo phansi kuyinto ngempela ngempela, futhi ngayiphi indlela ukusizakala, obakhethayo.