Indlela ukuba athathe-mboleko?

Phonononga amathuba kunye neengozi ezinokuvela endleleni

Zisuka nje, ukubala kwemali qho ngenyanga yakho uze uqiniseke ukuba ukuthabatha kubo ezingenayo ezifunekayo. Kwaye njalo, ungafumana ingqikelelo oluchanileyo intlawulo yenyanga kwi-mboleko. Kodwa ke kufuneka kukhunjulwe ukuba ibhanki kuthatha ingqalelo kuphela yokuqinisekisa ingeniso, oko kukuthi, bonke abo ingeniso oko kuqinisekiswa isiqinisekiso yengeniso. Kwaye ebhankini nganye ineemfuno zayo ethile udidi yengeniso mali xa elikhupha ezinjalo mboleko.

I-mortgage unembali ende, ngoko ke kufuneka ukuba indlela esiwenza zonke iingozi kunokwenzeka ezinokuthi zivele ngexesha ukusetyenziswa kwe-mboleko. Kodwa ke, kufanele kuphawulwe kuphela imingcipheko engundoqo ezenzeka rhoqo.

ukulahleka okwethutyana umsebenzi wena okanye amalungu intsapho yakho, abadla kudlala indima iziqinisekiso.

Uqhawulo-mtshato. Ngoko ke, ukuba mboleko yemali ethathwe ukwenzela ukuthenga zokuhlala kwi co-ubunini, xa kuthe mtshato, ipropati elolo hlobo iya kuthathwa ngokudibeneyo ababeyiqwebile, kwaye unelungelo lokuba oko kuya kuba omabini amaqabane. Kwaye kukho olukhulu kukuba ukuthenga indlu nge-mboleko ukuyiphatha iqhezu.

Ukukhetha ebhankini ukuze ufumane mortgage

Ngalinye lebhanki ekhoyo ineemfuno zayo ezithile umboleki, okt iimeko yokubhalwa mboleko mboleko. Kodwa njengoko mortgage ikhutshwa iminyaka emininzi, kucetyiswa ukuba ukhethe uzinzo beebhanki, nto leyo eya kuba nako ukuqinisekisa ngokupheleleyo ukusebenza kwayo.

Ukongeza, ungasihlawula ingqalelo neebhanki, leyo ukugxininisa nokunikwa mortgages.

Ekwenzeni ngothethwano olwathi lwaqhutywa kwiibhanki eziliqela, qiniseka ukuba banikele ingqalelo umlinganiselo abaqeshwa ibhanki ukuba umthengi ngamnye, phezu nobuchule babo, nesantya impendulo ukuze kuvumeleke okanye ukuthintela kunikezelo-mboleko kunye elunxwemeni.

Yintoni na le Ipharamitha mortgage njengenye yezinto ezibalulekileyo?

Basuke kwibhanki yakho le nkcukacha zilandelayo:

Fumanisa into efunekayo iphakheji kwamaxwebhu semali-mboleko.

Funda iimeko ngaphezulu Bank, umzekelo, i-inshorensi, amalungelo empahla kunye njalo njalo.

Uze uqiniseke ukuba ufumanise ukuba kukho inkqubo ekhethekileyo zohlengahlengiso lwamatyala iintlawulo zokubambisa ebhankini, kwaye ukuba, uya kufumana inkcazelo eneenkcukacha ngazo.

Qiniseka ukuba ubuyekeza isivumelwano ngocoselelo phambi kokuba uyisayine

Qinisekisa ukuba ufunda ngokupheleleyo yonke ikhontrakthi-mboleko. Ke okona kubalulekileyo, ukuze yonke imigaqo nemiqathango efunekayo ukuze icace neqondakalayo obolekayo, kuba kungenjalo kukho umngcipheko neemeko ezingentle.