Kunanzuzoni bengatshelekwa ngaphandle inkokhelo phansi?

ababoleka Iningi namuhla ufuna a mortgage ngaphandle inkokhelo phansi ngo-2013 waqalwa ngempumelelo. Kulesi simo, okuningi kuxhomeke kulokho umuntu uqobo. Kanye indima ebalulekile ukuthi isinqumo zizokwenziwa isikhungo esithile yezimali isicelo sokunikezwa imali-mboleko mortgage.

Kuyini loan indlu, futhi yiziphi izinzuzo zayo?

Lokhu uhlobo loan kuyinto ngezimali eside ukuthengwa emakubo, nakho uba isiqinisekiso. Okuhle ngalokhu ukuthi ukuthi liyatholakala, enikeza ikusasa futhi inzuzo kakhulu.

Kungani kwandisa inzalo mortgage?

Lapho lo muntu obolekayo akuyona imali yabo, kuba ingozi ephezulu ebhange. Imali anikezwe isikhathi eside lapho umboleki kalula kube ezikweletini. Ubufakazi kungenziwa ngokuthi obumbi yamuva, okuyinto kwasheshe ku amafa izingcezu ezingenamsebenzi sephepha, bacabange ababoleka Fide ezikweletini.

Njengoba benamagangangozi ukuthatha isinyathelo ezifana mortgage ngaphandle inkokhelo phansi, amabhange bephoqeleka ukuba ukuthathelwa umshuwalense
sokubolekwayo. Lokhu umshwalense kuyinto ukwazisa imalimboleko ngosizo okwandisa inzalo loan. Nakuba namuhla leli ingozi akuvumelekile ngoba ebhange, futhi ukuthola ababolekisi uzimisele sihlinzeke izinhlelo zabo ngaphandle izindlela zalo siqu, kuba cishe kungenakwenzeka.

Yini edingekayo ukuze kuvunywe bengatshelekwa ngaphandle inkokhelo phansi?

Umsebenzisi kumelwe abe nengxenye yezindleko impahla efuna ukuthola. Ngamanye amazwi - imali kokuqala, okufanele kube ngaphansi mortgage. Ngokuvamile anakho kusukela 0 kuya kwangu-90. Uma kungenjalo, a mortgage ngaphandle inkokhelo phansi ukuthatha
kungenzeki. Ngenxa yalesi sizathu, uma kukhona isidingo sokubolekwayo ezinjalo, njengoba umnikelo, ungasebenzisa loan umthengi noma emalini eyayinikelelwe etholakele ukuthengiswa kwempahla.

Nini Ngingaya niyithole izimali?

Inani ehloniphekile ingabalwa kuphela uma inkokhelo enkulu kokuqala. Uma ufuna ukhethe best, kanye nongqi ebolekiwe, kufanele usebenzise wokubala ekhethekile iye ngokukhethekile wadala le njongo, noma ungafaka isicelo isikhungo mortgage loan.

Yikuphi yasebhange ithandwa kakhulu?

Esimweni lapho wena njengoba umboleki ezingaba efana a mortgage kungekho phansi lokukhokha, kuze ukubhaliswa kwaso ebhange kufanele uqaphele ukuthi le sevisi inikeza abaphathi kanye nabasunguli ezinguqulweni ezahlukene. Kuze kube manje, liye ukusebenza imisebenzi eminingana ezinhlanganweni. Ziyakwazi bemthanda labantu, zibizwa ngokuthi "mortgage loan ngaphandle inkokhelo phansi kusukela Savings Bank." Lona ukukhanya ekupheleni emhubheni imikhaya abasha nje uvele, naphezu kweqiniso lokuthi iphesenti anda. It kuyafaneleka ukucabangela ukuthi kukhona kungenzeka ukulungiswa encane izinqubo zezimali. Kukhona, uma uqala ukuthola loan umthengi, abese thatha omunye, okuthiwa "mortgage loan ngaphandle inkokhelo phansi." Kodwa ungakhohlwa mayelana nemigomo kufanele ibalwe kanjani ngeke imali ebolekiwe njalo ngenyanga, ukuze kamuva awunankinga.