Izingxabano emabhange: inkantolo kubhekwe? Indlela liziphathe ngendlela efanele?

Izingxabano emabhange uvuke loans athathwa khona. kuvela izingxabano ngenxa izibalo ayilungile, amalungiselelo emthethweni zivumelwano ezinhle, njll Konke lokhu kuthinta ngqo amalungelo ezakhamizi.

Yini enkantolo ozwa icala

Uma inkantolo ukuthi abuyise imali ubiza yasebhange, bese izinto ithunyelwa indawo okweletayo sika sokubhalisa. Uma icala uthumela enye inhlangano, khona-ke indawo yasebhange noma ukubhaliswa amakhasimende. Isizathu kwezinkambiso yoMthetho "Ngo Ukuvikelwa kwamaLungelo Abathengi.

senkantolo kamantshi lapho inani ingxabano ingeqi ruble ayizigidi 50.. Izingxabano emabhange ukale ephakeme ukwedlula lo mkhawulo, ezibhekwa ezingeni lesifunda.

Uma ungenalo ngokushesha bati yokuthi leli cala kumele kubhekwe yinkantolo wesifunda, kwathiwa yanqamuka kokudluliselwa kwegunya.

Manje kutinkhantolo ukulamula umbango. Uma Isivumelwano esasayinwa emva 01.07.2014 nyaka, izingxabano zabo emabhange ezinkantolo umbango kubhekwe esivumelwaneni iklayenti, awunikela lapho kuqala nesikweletu, kunokuba ngesikhathi ngemvume nesivumelwano sokubolekwa.

Umehluko phakathi simangalo futhi umyalelo wenkantolo

I-oda ikhishwa ngemva nesitatimende kummangali yinkantolo ngesisekelo izinto aye kuye. Umehluko esisemthethweni ukuthi ummangali obizwa ngalendoda, futhi ummangalelwa - nakwabangenangqondo.

Ijaji, ucabangela ukuthi into iyahlangabezana nezidingo esisemthethweni, kwenza i-oda. Akekho umuntu inkantolo akazange abangele izinto ezengeziwe azitholakali. INkantolo yeMantshi yaseKapa iphinde unelungelo, ekuthandeni ayo ukucela imibhalo.

Wakhipha umyalelo wokuba ummangalelwa ngekhophi ikhithi yamathuluzi, amaphepha ahanjiswe. Kuyathakazelisa ukuthi eminye yemibhalo okuvalelwe oda, mane uvule igceke. Vzyskatelja zibonisa ngokucacile ukuthi akuzona ummangalelwa. Lokhu kungukuphula ngqo ngomthetho futhi wahlulela ngokuvamile uyibuke ngokusebenzisa iminwe yami.

Ummangalelwa wathola i-oda, unezinsuku ezingama-10 ukuba ngidlulisele icala. Isicelo sithunyelwa umahluleli owenze oda. Uma umnqamulajuqu, ngayo ingxabano nabakwa-yasebhange eqinisweni phezu.

Ukukhansela umyalelo wenkantolo

Khansela imiBhalo elula - vele uthumele isitatimende ukungavumelani naye. Kungani kulula kangaka? Kunzima ukusho, kodwa nokho - kuyiqiniso.

Uma isikhathi iye aphuthelwe ngezizathu elivumelekile, okweletayo unelungelo ukubuyisela umnqamulajuqu yokukhansela. Isicelo uvezwa ngqo isicelo sokusula umyalelo wenkantolo.

By the way, lokho akusho ukuthi kubekwe wonke amaphuzu akhe emelene isicelo ukutakula. Kwanele ukuveza ukungavumelani kwabo.

Ijaji kuzokhansela oda Nokho, ummangali sikhalo enkantolo, kanye nokwenqaba nje ukuqaphela izidingo ayisekho okwanele.

Yiziphi agumenti ukunikeza

Amabhange abaphendukela izinkantolo ukuba zitshele ukubuya izikweletu. Kanye isimangalo unikezwe ikhophi yesivumelwano, komnikazi izikweletu. Umsebenzi lamajaji kuholela elikhipha ngokuphamazela, ngakho kungcono ukuza enkantolo balungiselela amaphuzu.

Ikakhulukazi, ukulondolozwa irisidi eqinisekisa ukukhokhelwa yesikweletu. Ezinye amabhange ozama ukudukisa inkantolo ukuthi ingakanani ikhasimende kufanele ngempela nokuthi ingabe uyafisa yini nhlobo.

Nezikweletu kwenzeka ngezinye izikhathi ngenxa yezimo ezinzima ekuphileni (ukugula, ukulahlekelwa umsebenzi, imali engenayo encishisiwe, njll). Futhi okweletayo uzama ukunika imali ebhange ngangokunokwenzeka. Uma babiza kunjalo imibhalo efanele, ngeke kudambe siphikisana ebhange.

Isitatimende ngokunciphisa isidingo ukuhambisa nesigwebo, mhlawumbe ngokusebenzisa ifomu ebhaliwe ehhovisi. Kufayilwe ngendlela ngeke indiva. Ngaphezu kwalokho, kumele kwenziwe ngaphambi inkantolo ngeke basishiye nokucabangisisa.

Ekusebenteni, ukunakwa ukhangwa ukubambezeleka obonakalayo yasebhange enkantolo. Iklayenti kusobala ayikwazanga ucime loan imiqulu langaphambilini, in izitolimende noma wenqaba isicelo ngalokhu iye umane indiva.

Uma iklayenti ifisa inselelo ukuba semthethweni kohlelo inkontileka noma bezimiso zawo, bafaka countersuit, ukuphikisa omunye akwanele. Isenzo esisha esithathwayo ngaphambi kokuphela kuzwa wokulungiselela, ngaphambi kokucubungula kokufaneleka. Uma uphuthelwe, le counterclaim ngeke ngisho kubhekwe.

mortgage ubuqili

Ngokomthetho "Ngo-mortgage" uma ukubambezeleka kubangelwa hhayi ningi than 3 months futhi lingakanani is hhayi ningi than 5% we intengo into, inkantolo ubophekile ukuba senqabe isimangalo. Icala namabhange ku impahla babe ethize abo, ezithinta eziningi umehluko wemisindo nemiqondo yamagama, e Ukuvalwa ethize impahla ngamasimu.

Ngokomthetho, mayelana nayo yonke imibango mortgage nabantu ngizodabula ezinkantolo. Kukhona inqubo ehlukile ukugcwaliseka mortgage impahla.

Indlela yokwenza ukuphikisa

ukuphikisa Iyatholakala ebekwe leliphepha uzilungiselele kusenesikhathi. Ikhophi pre-ilethwa ehhovisi.

Isikimu eseduze:

• igama wenkantolo;
• Igama zalowo mahluleli;
• inombolo yecala;
• ummangalelwa;
• Ummangali.

Uma kukhona imibuzo, bona babiza ukuzivikela kanye nohlu yayilokhu izidlela nje kuya ukuphikisana.

Uma isikhalo kusekelwe ukubala ayilungile esikweletini, ummangalelwa wenze siqu sakhe. AbaHluleli akuvamile ngumnikazi izibalo amakhono. Ummangalelwa kumele akwazi ukuchaza zonke lucidly.

Izingxabano emabhange sokubolekwayo - isigaba eyinkimbinkimbi izimo, futhi kubalulekile ukuba hlomela them ngosizo lochwepheshe ababeyizazi ezicashile credit umtsetfo kanye umkhuba zokwahlulela.