Indlela ukuze ahlawule imali-mboleko ngetyala? Ukuba uthathe imali-mboleko yebhanki. Ngaba Ndiya kuyizalisa-mboleko ngaphambi ishedyuli

ubomi bale mihla umjikelezo iimeko ukuphazamisa kakhulu indawo izicwangciso-yenzelwe kakuhle kwaye yakhiwe. Ingxaki kokuvela nayiphi na imiba zemali kule minyaka imbalwa idlulileyo, abantu mihla kusetyenziswa ukusombulula amaziko zebhanki. Abemi baye yavula ithuba ukuboleka imali yokuthenga izindlu, imoto, izixhobo zombane, ifenitshala kunye nezinye iimpahla ezo eziyimfuneko yobukho eqhelekileyo. Mboleko kwaye ukulungiselela ukuthenga izinto zokwakha, isigqibo iingxaki zoshishino, unyango, ukuphumla, ukufunda, kunye nezinye iimfuno. Ukuba uthathe imali-mboleko ebhankini kunokuba wonke ummi unembali credit elungileyo kunye ingeniso rhoqo. Ukuze ufumane naluphi na uhlobo mboleko lula ngenxa yokuba icandelo logcino kucingelwa inani elikhulu kweenkqubo mboleko, ekhaliphileyo wand magic, kunceda ukusombulula iingxaki-line. abathengi Bank badla musa nokuba ucinga ukuba ukuze kubekho iimeko, xa kunokwenzeka ukuba iintlawulo ityala ibe yingxaki.

Yeyiphi ezinokuchaphazela ithuba lokwenza iintlawulo ezinyanzelekileyo

Ebangela kobunzima obuninzi. Ezi kungabandakanya:

• ukuphelelwa umsebenzi;
• izifo;
• ngena irandi;
• ngokufa kwelungu losapho;
• omnye wamalungu osapho abarhola bengasebenzi;
• ngozi;
• isahlakalo ezinye iingxaki zobomi, nto leyo arhola ilahleko yemali.

iingxaki ezinokuba ne non-kwemali-mboleko

-Non yokuhlawula iintlawulo ezinyanzelekileyo phantsi waqukumbela kwesivumelwano mboleko itsalwa kulandelelwano iingxaki ezongezelelweyo. bonke Iqala ikhwelo kubasebenzi ebhankini, ngoko yokuhlala unetyala ziyavela iileta isikhalazo ukusuka ulawulo lweziko yebhanki, ekhoyo, abasebenzi benkonzo olawulo. Kwaye, ukwenza izinto zibe mbi kakhulu, ugrogriso uvela kwiinkonzo ezizodwa. Ukuxhaphaza kubaboleki abanganyanisekanga iya isiba yenye yezona ndlela ithandwa neemfuno uthetha yengqesho. Ukongeza, nasentanjeni yentswela ngetyala kwakhona ibonelela ukuhlawula non-nokuhlawulwa kwezohlwayo ematyaleni ebhankini, nto leyo amaxesha amaninzi ukwandisa inani ematyaleni. Enye yeendlela kule meko, ngokutsho kwiingcali, kucingwa ukuba eboleka imali ukuze uhlawule imali ethathwe. Ukuze ufumane impendulo yombuzo "indlela yokuhlawula off mboleko credit", kuyimfuneko ukuba ilifa ulwazi ebalulekileyo. Kuwiso-mthetho logcino igama elibhekisela kweembuyekezo ngokupheleleyo kwemali waboleka ngokusekelwe-mboleko entsha ebhankini. Ukuba ujonga enyanisweni, kuyimfuneko ukuba imali-mboleko ukuze ahlawule omnye mboleko inkqubo ekukhutshweni kwemali okanye mboleko.

Eyona engundoqo eziluncedo ezibolekisa

1. Mboleko kunceda abathengi ukuba bakhethe iingxaki zemali eyayinzima, ukulungisa iimpazamo ezenziwa ngaphambili.
2. Le ndlela ukuhlawula imali-mboleko okunene kwandisa ixesha lokuhlawula ngaphandle nayiphi na ilahleko yemali.
3. Mboleko ivumela umboleki kuthetha ukunciphisa kakhulu kufuneka intlawulo zakho zenyanga kuhlawulwe ityala lebhanki.
4. Ukuba baqhelane zonke iinkqubo mboleko iibhanki kweli lizwe phambi kokuba uthathe imali-mboleko ukuhlawula imali, ungakwazi noba ukunciphisa inani yinqununu.
5. Mboleko ikuvumela ukuba uphephe izohlwayo kunye iintlawulo ukungahlawulwa yenqununu.
6. Olu khetho kunceda ukuphepha ukuhlawula iinkqubo yetyala, nto leyo endinga ixesha elininzi kunye luvo.
7. Phambi kokuba uhlawula off-mboleko ngetyala, ungakhetha ibhanki imiqathango kuFeliks.

Yintoni kufuneka sinikele ingqalelo isiphelo isivumelwano mboleko i

Phambi kokuba uhlawula off-mboleko ngetyala, kuyimfuneko ukuhlola isivumelwano semali-mboleko yokuqala ngenyameko. nkqubo Bank inikezela iinkqubo ezikhethekileyo enegalelo intlawulo yetyala ngokuncama i-mboleko eyongeziweyo. Ngokufuthi ithuba wokubolekisa ngemali zicaciswa gca kule mvumelwano. Oku kwenzeka emva kokuba imali elithile uya kudlula. Kwi nganye ibhange ixesha ekufuneka kwemithathu phambi kokugqitywa kwesivumelwano mboleko i eyahlukileyo. Kwi-avareji, ubude balo iinyanga ezintandathu, kodwa ezinye lunee zinokwenzeka: iinyanga ezintathu okanye ngonyaka. Iinkokeli yeziko logcino ngokwayo unomdla kukuba intlawulo yale mali wawusaziwa kwenziwa, ngoko ke iimeko ngetyala le program inika ithuba onetyala ebhankini ukumelana iintlawulo ityala esekwe ngokunciphisa inzala mboleko inqununu umzimba, ukwandisa ixesha mboleko kunye nezinye iinkqubo abanyanisekileyo.

Kuyimfuneko ukuba ngenyameko ukuphinda ufunde isivumelwano phambi kokuba uhlawule le mali-mboleko ngokukhawuleza

Mboleko olubalulekileyo kodwa zonke eziphantsi kwezivmelwano zokuncedwa. Okanye kunokuba abathile kubo, le ndlela nokuhlawulwa kwamatyala awungeni ndawo.

Kukho ezinye amaziko zebhanki iinkqubo, leyo musa ukuvumela ekuqaleni umzimba umvuzo ngayo ngetyala. Ngoko ke, kufuneka ukhankanye olu khetho ngaphambi kokusayina la maxwebhu. Kubalondolozi athi kukho iinkqubo mboleko ezingabandakanyi utshintsho kwishedyuli iintlawulo kwi kwetyala. Kwiimeko ezinjalo, i-mboleko isivumelwano akwenzi ngqiqo. Ngaphezu koko, kukho iibhanki, olunikezela ikhomishini uhlawule yokuqala-mboleko, ngoko ezi zinto kufuneka zicaciswe. Ngo-2011, umthetho ukuba balelwa ukusetyenziswa kwale ndlela yokubiza inzala, kodwa isekhona njengenye yeendidi imirhumo efihliweyo.

Njani Ungayihlawulwa-mboleko kwaye yintoni elungileyo buyiselo yokuqala?

intlawulo yokuqala ityala ineendlela ezininzi. Okokuqala kumayelana imeko nangokwasengqondweni onetyala. Xa isixa-mali esiyi ngokupheleleyo sinikwe, umntu uziva ngakumbi ekhululekile yaye ethe. Xa sihlalutya iingenelo, ngoko ke intlawulo yokuqala ye-mboleko iza kunciphisa ngokuzenzekelayo isixa eyintloko asethi yomboleki ngenxa yokuncipha kwenani imali nenzala. Ingenelo ebalulekileyo nokuhlawulwa kwamatyala naye yokuba yemali oyigcina na kutyalwa ishishini eliphumelelayo ungazalisi ibhanki. intlawulo yokuqala-mboleko kwiimeko ezininzi kuluncedo kubathengi, kodwa hayi kweebhanki amaziko. Balahlekelwa umdla ezingekahlawulwa-mboleko xa intlawulo yokuqala. De-2011, iibhanki abaninzi iikhomishini ezahlukeneyo ziye emiselweyo nezohlwayo ngesixa-mali esikhulu kwamatyala pre-paid. Ngoku umthetho kuye kwaphucula imiqathango uboleka kubaboleki imali, kodwa unqunyanyiso isithuba seenyanga ezintandathu, unyaka okanye ubuncinane iinyanga ezintathu uhlawule yobutsha ikhona. Cacisa ixesha kokuvalwa ebisebhankini kungaba kwisivumelwano eboleka cwaka phambi ngentlawulelo yokuqala mboleko.

Mboleko mboleko yabathengi

mboleko Consumer zithathwa isithuba esingaphantsi kakhulu elikhulu ityala, kodwa kwangaxeshanye, abaqinisekanga inzuzo kakhulu imali yentsapho. Mhlawumbi wabona umyinge wenzala kwi-mboleko, nto leyo asezantsi kakhulu kunokuba kwibhanki yakho, nto leyo inokuba inkuthazo refinance. ivame kuyancipha ngokuhamba kwexesha. Oku kungathathwa eminye ingozi mboleki, ngubani wathabatha imali-mboleko kwi ngokwemiqathango ngaphantsi. Umzekelo, ityala lakho ekhutshwe "Privatbank". Ke, Indlela ukuhlawula imali kwangaphambili kweli ziko-mali kuyimfuneko ukuba axhuzule isivumelwano semali-mboleko. Ukuba kunokwenzeka ukuba refinance xa iimeko zivuma ngakumbi, ukuze sinciphise inzala ngokwaneleyo ukuba likhuphe iseti eqhelekileyo yamaxwebhu. Ukuba ugqiba ekubeni uthathe imali-mboleko entsha esuka kwenye ibhanki, kuya kufuneka ukuba uqokelele amaxwebhu ezongezelelweyo.

mboleko mboleko auto

Phambi ngokukhawuleza ukubuyisela imali-mboleko yokuthenga imoto, kufuneka uqokelele i iphakheji eyongezelelweyo amaxwebhu anxulumene kwemoto kunye mboleko. Le iseti yamaxwebhu ngokuxhomekeke injongo nowokupheliswa kwesivumelwano mboleko kulo. Ukuba amalungiselelo mboleko yokuthenga enye imoto, inkqubo yokubhalisa kufuna kwisivumelwano intengiso imoto yokuqala kule ndlwana. Le mali iya kuba intlawulo yokuqala phantsi mboleko contract. Kodwa nayiphi na imeko kuyimfuneko ukugqiba i-inshorensi elitsha, apho umntana uya icaciswe kwenye ibhanki.

Thatha imali-mboleko ebhankini ukuze ahlawule ityala mortgage

Olu hlobo ezibolekisa ithathwa ukuba nzima inkqubo kakhulu, oko kufuna amaxwebhu ezongezelelweyo ezinxulumene kwipropati, ukuba kuthengwe apho mboleko athinjiweyo, wenza iintlawulo, intsalela umzimba mboleko kunye nezinye iinkcukacha. Kuyimfuneko ukuba aqukumbele isivumelwano esitsha inshorensi kunye ebonisa ibhanki ezintsha, ukuba wenze uvavanyo lwe izindlu ngalo mzuzu nokuphinda-ukubhalisa impahla. Re-nokukhutshwa imvumelwano entsha mortgage uya kuzinyothula na iindleko ezongezelelweyo ezibalulekileyo, baya kugwetyelwa phantsi iimeko zivuma ngaphezulu, kuphela xa kunokwenzeka ukuba isixa umzimba obalaseleyo enkulu yemali.

amaxwebhu eyongezelelweyo nemiqathango mboleko kwezinye iiBhanki

Phambi kokuba bhatala ityala mboleko, Siboleke imali evela kwenye ibhanki, kufuneka uqokelele amaxwebhu ezongezelelweyo zobhaliso yayo. Ukongeza iphakheji umgangatho, nokuhlawulwa intengiselwano kuya kunceda kuqokelela kuyimfuneko okuluphawu imeko-mboleko.

1. Phambi kokuba Ungayihlawulwa-mboleko yokuthenga izindlu okanye imoto ngokuthi eboleka ngayo imali kufuneka thaca phambi kokuba isivumelwano semali-mboleko esayiniweyo.
2. Kufuneka ulungiselele ngokosuku ityala ebonisa isixa-mali iintlawulo zenyanga ezifunekayo.
3. Ukuba imali ekhoyo waqukumbela ezongezelelweyo isivumelwano (contract of arhente, sokubambisa), uqobo lweleta okanye lwale zivumelwano kufuneka thaca kwi ubhaliso-mboleko entsha.
4. Ibhanki, leyo ufuna imali, ufumane isiqinisekiso kwi intsalela yetyala.
5. Ukuba mboleko iza kuba isixa esikhulu (ebisebhankini ngalinye axeliwe), kuya kufuneka njengesakhi eyongezelelweyo kwisivumelwano siqinisekiso ubuncinane omnye.