Ingxaki kunye mboleko yebhanki isisombululo yayo

Imeko ezinzima zoqoqosho kweli lizwe, ebonakala ngamandla yokuthenga eliphantsi kunye imivuzo ephantsi, abantu banyanzeleka ukuba kuthengwe iimpahla neenkonzo ngetyala. Sekunjalo, ngaba inokwenzeka into namhlanje yokuthenga izindlu elide-elindelwe ngaphandle ukuthatha imali ebhankini? Impendulo yalo mbuzo icacile.

Credit: ukuthatha okanye hayi?

Noko ke, abahlalutyi zibonisa ukuba uninzi kubaboleki ezinokuba ekuqaleni abanenjongo ukuzalisekisa ngokufanelekileyo izibophelelo ukwandisa ngetyala: iziko zebhanki ukubuyela inqununu kunye nenzala ebaleka. Noko ke, emva kokuba ngokutyikitya umntu badla ngokujongana iimeko ezingalindelekanga ebomini; yena akakwazi ukusebenza, yena ugxothiwe emsebenzini, yena, ndayihluthwa imithombo yengeniso ... Kakade ke, kwiimeko ezinjalo, onetyala abanako ukubuyekeza isakhiwo mali, yaye siyingxaki ne-mboleko.

Into embi kakhulu ukuba kukhula snowball. Ubungakanani izohlwayo kunye nomdla ukhula yonke imihla, yaye, ekugqibeleni, lo mboleki liya kuhlala, bathi, "akukho iibhulukhwe". impendulo A yebhanki kulo mzekelo kulula kusengaphambili. Yena wayengenamdla ingxaki ne-mboleko, nesuka onetyala, ufuna ukufumana imali zabo, ukuze itsala njenge umncedisi kwi-arhente ejongene nokuqokelelwa, nto leyo maxa wambi akayeki kuyo nayiphi na indlela; ngokomthetho mthethweni, ukuba "wakhuphe 'ityala ukusuka mboleki. Ewe, le sikhundla ayonto umona. Ingaba kukho izisombululo, elundini kukho ingxaki iikhredithi? Qwalasela lo mbuzo ngokucacileyo ngaphezulu.

Kufuneka wenze ntoni

Ngoko ke, ukuba benze ntoni xa ngaba ukutshona ematyaleni? Eyona nto ibalulekileyo - asikuko ukuba ukuphakuzela uze uhlale sinengqondo ephilileyo. Zama kangangoko zoqhagamshelwano kunokwenzeka olusondeleyo abasebenzi kwiziko lamatyala uze ucacise kakuhle iingxaki zakho zemali.

Kusenokwenzeka ukuba baza kuba nako kukukhawulela, ukuba nithe nandixelela iinkcukacha ezininzi malunga kutheni na ukuba unee ngxaki kuhlawulwe imali-mboleko. Ngokusengqiqweni ukuvavanya inqanaba yabo yokuhlawula amatyala kunye nabaqeshwa zebhanki ozvuchte imihla elisondeleyo intlawulo ukuba umbuzo ngokutsha ityala liya kuthi isonjululwe kakuhle. Khumbula ukuba xa ufuna ukungqina ukuba akukho uza bachasele iimbopheleleko zabo kwaye ufuna ukubuyela imali ebhankini, amathuba ukuze kwenziwe imimiselo yesivumelwano semali-mboleko iza kuba kakhulu phezulu.

uncedo lobungcali

Xa kungathatyathwa manyathelo yakho ukusombulula ingxaki xa kuhlawulwe imali-mboleko ibe nempumelelo, kufuneka ufune icebo eyiyo. Kulo mzekelo, ufuna igqwetha onamava. Akazange abe ukusebenza nina kunye namaqhinga echanekileyo yokuziphatha kunye nabasebenzi zeziko yebhanki, kodwa ukukhusela wena kakubi kwicala wabaqokeleli.

Qaphela ukuba le ngxaki kunye mboleko kufuneka isonjululwe iingcali ezizodwa, ngubani ngaphambili kujongwana ngempumelelo namatyala ezifanayo. Musa ukuba wonqena uze umcele ukuba ukuqinisekisa oku.

Njengoko yokusebenza ibonisa, kukho iindlela ezininzi apho iingxaki kusonjululwa noko kolu kwemali-mboleko. Makhe siqwalasele ngamnye kubo.

Ukwenziwa credit entsha

Okwangoku, kukho inani elikhulu yabameli kwimarike leebhanki. ekhohlo broker ekunene banikele isisombululo babo ngxaki ngetyala. Ntoni? Wena ukuzihlela-mboleko entsha ukuhlawula endala. Esi umlinganiselo kubizwa ngokuba mboleko mboleko. Kaloku, hayi sinokuthi ukuba olu uhlobo ilungele zonke kubaboleki kodwa akukho mfuneko njalo. Eyona nto kukuba ngokusebenzisa le ndlela, unako 'ukubulala iintaka ezimbini ngelitye elinye "ngelo xesha, ukuba imali ukubolekisa kwiziko zebhanki efanayo.

Okokuqala, ukuba amalungiselelo-mboleko entsha, ngoko enye intlawulo siza kulibaziseka ukuba iintsuku ezingama-30. Okwesibini, ukuba imali-mboleko entsha ixesha elide, ngoko ke ixabiso "-umlenze" yenyanga lifinyele. Noko ke, unako ukuboleka imali kwelinye iziko lamatyala. Eyona nto iphambili yahlukile: ukuba nithe nagaxeleka ezilingweni kudidi neye ngolunya, kwaye unalo ulibaziseko kwi nokuhlawulwa kwamatyala, ngoko kuyilo mboleko entsha abakwazi ukubala. Ulwazi malunga nomgangatho imbali ngalinye ityala eziqulathwe kwirejista ngokukhethekileyo kubaxumi, kwaye ibhanki nangaliphi na ixesha unokuba nobuhlobo nabo. Kodwa ukuba abasebenzi ukuba akaneliseki kuyo, ungasebenzisa iinkonzo yabameli kunye abalasela, nalapho imali baya kuvumelana ukuba kukhutshwe imali-mboleko entsha.

Uhlenga debt

Akwazi indlela yokucombulula iingxaki loans? Kukho enye indlela eqhelekileyo. Lowo uza kusebenzisa oku uzuza ezithile ukusuka elunxwemeni:-hlengiso intlawulo qho ngenyanga, ngethuba lokufumana intlawulo yetyala, ukucinywa kwenxenye le mali-mboleko. Ukuze ukwazi ukufumana minyinyiva ikhankanywe apha ngasentla, kufuneka undwendwela iziko zemali ukwazisa abasebenzi iingxaki zemali uze ubhale igama ulawulo kwiziko lamatyala isicelo efanelekileyo.

Njengoko ibonisa practice, neebhanki, kwezinye iimeko kakuhle isigqibo malunga kurhoxiswe iifayini, izohlwayo kunye ngokuyinxenye "ukuxolela" imali oyintloko.

I-inshorensi

namhlanje kukuba phantse zonke ngemali bakhetha inshorensi nxamnye kwiingozi zemali. Noko ke, asingabo bonke kubaboleki ufundisise okubhaliweyo kwesivumelwano inshorensi mboleko. Kwaye kweli xwebhu abhaliweyo amanqaku ebalulekileyo kakhulu, oko kukuthi - apho iimeko-inshorensi iya kuhlawula imali mboleko endaweni onetyala. Ngokuqhelekileyo, le ngamandla majeure: ukukhubazeka, ukugxothwa, ukufa. Kodwa kwezi meko ibhanki iya ukwenza amabango kwinkampani ye-inshorensi kunye obolekayo. Ukuba isiganeko elikhankanyiweyo kwenzeke, i ibhanki kufuneka afake isicelo-inshorensi, ukuba ukunika kuye iimpepha ezithile, aze emva koko kuphela uya kukhonza nje unetyala. Kwaye umele ubungqina ebhaliwe ukuba isiganeko inshorensi kwenzeka. Kufuneka kukhunjulwe, kwaye inkampani yeinshorensi kwezinye iimeko ngokwazi balekela nezibophelelo zawo. Kwakhona, kukho iingxaki ngetyala. Yintoni ukwenza ntoni? Okokuqala kufuneka ukulwela amalungelo abo kwinkampani ye-inshorensi.

Yiloo nto kunokwenzeka ukuba umboleki kuya kunyanzeleka ukuba achithe ixesha Litigation ne-inshorensi, yaye nantsi ke kuyimfuneko ukuba afune uncedo abaqeqeshiweyo.

Yintoni ekufuneka ukuba ukhumbule kodwa

Ngoko ke, ukuba naziphi na iingxaki kunye nentlawulo ye-mboleko. Kufuneka wenze ntoni kule meko? Into engundoqo ke ukuthatha andilalele, nibone indawo, enethemba lokuba ityala iza kusonjululwa ngokwalo. Kufuneka senze ekhuthele kakhulu. Zonke izibheno kwiziko ngetyala kufuneka ube ubhalwe phantsi. Nceda uqaphele, ukuba kungekudala uza kuqala ku "ukususa", kokukhona uya ukunciphisa ubungakanani fayini kunye nezohlwayo. Musa ukulibala ukuba isabelo yengonyama izivumelwano zeentengo zemboleko ukuba iimfuno umboleki unike a ukwayo "ezikhubazayo", nangona umthetho ixabiso kufuneka ingadluli Ukubekela kwaye ibe kakhulu ngaphezu sum of kwelona tyala lakho elingummiselo.

Ukuba ezinye nqanaba "incoko yababini" kunye ebhankini unayo bunzima, kufuneka ngoko nangoko kufuna uncedo yincutshe. Kwaye apha kuyimfuneko ukuze bakuthathele ingqalelo into yokuba amanye amagqwetha ukuba iinkonzo zabo ifuna pre-intlawulo, ngoxa abanye bacele mali iya emva kuba japan ebonakalayo.

Mboleko yokuthenga izindlu

Namhlanje, abantu abaninzi banyanzelwa ukuba ukuboleka imali evela kwiibhanki yokuthenga izindlu. Kaloku, injongo elungileyo, kodwa phambi kokuba ukhetha inkqubo ethile mortgage liboleke abanye; azihlole ngenyameko "nezimbi" kunye "bawo." A sijongisise ngengqondo umthamo wabo zemali, njengoko imirhumo yenyanga kufuneka ihlawulwe iminyaka emininzi. Kungenjalo, kusenokwenzeka ukuba unengxaki nge-mboleko mboleko.

Kufuneka wenze ntoni

Khumbula ukuba yokwendalo isivumelwano semboleko phezu yokuthenga nalapho kukho indawo ibhanki xa kunzima kakhulu kwaye iziphethe.

Apha lingaphantsi ukuba enze umnyinyiva ukuba umboleki, kuba imali "enkulu". Ukuba onetyala iinyanga 2-3 ngokwenza emva intlawulo, ebhankini, njengoko umthetho, sebenzisa "inqala" - ilungelo lokuthengisa indlu, ibekwe isibambiso. Kakade ke, ukuyalwa kakhulu umnikimali nomamkelimali. Nakuba kunjalo, ukuba kukho indlela yokuphuma kuye?

Ngumzali, kodwa ewe. Ukuba ke kukho imbali abalasela ngetyala, ulawulo yombutho mali ingathatha isigqibo esifanelekileyo sokunikwa ixesha ubabalo kwi inqununu ukuya kwiintsuku 180. Ngeli xesha, i onetyala obuyisela kuphela umdla, uze emva koko ihlawula naziphi na iintlawulo eziphosiweyo okanye ityala ngokutsha ngokwandisa olusikiweyo lokungenisa iminikelo. Noko ke, umbuzo wokuba ingaba okanye hayi ukunika ilungelo yokuhlengahlengisa, wagqiba ngamnye.

Ukuba ibhanki usengozini enkundleni uze uhlawule nto?

Nangona kunjalo, oko kwenzeka ukuba ibhanki uyala ukuhlangabezana onetyala wakhe, ukwazisa oko kuya ngobuhlakani ukumangalelana. Xa umlinganiselo ethile enjalo enzulu, baza baqala ukuba uhlawule amatyala. Noko ke, le iqhinga yokuziphatha akuthethi ingqondo, kuba isixa izohlwayo ngenxa akukholibaziso ikhula mihla, nangalo elo xesha cala lafika enkundleni ubungakanani ubungakanani maxa wambi enkulu. Ngoko ke, iingcali ukucebisa ukuba ukucima yinxalenye yetyala: imbali yekhredithi sele nangoku kude efanelekileyo, kwaye imali iza kuba yinkcitho, ngokuba ngengomso ubungakanani ityala liya kuba kwakhona ixabiso endala. Ngaba ukoyika ingakumbi kokumangalelana. Ngokwahlukileyo koko, kufuneka ekugqibeleni kuphelisa ubudlelwane bakho ebhankini. Isigqibo senkundla uya kumisa isixa esipheleleyo ematyaleni, nto leyo eza kuphinda zizakusebenza izohlwayo kunye nenzala. Kunye nobukhulu labo ngexesha lokuthethwa kwetyala, phezu koko, ibe lincitshiswe. Intando inkundla iya kuba bailiffs, abo kakhulu abanyanisekileyo ngaphezu abasebenzi arhente yokuqokelela. Wathi kwakwelo lixa, ungathatha amanyathelo ukuze ubuncinane ngokuyinxenye uhlawule ityala. Kwaye ukuba uthatha isimo nje, le bailiffs nga ukunyanzela yakho nokuhlutha propati. Ngenxa yoko, kungcono ukuba enze isigqibo senkundla, ukwenza kancinci iintlawulo. Kwaye ukuba uya kukwazi ukuhlawula ngokupheleleyo off ebhankini, kubhetele ukuba ngoyaba olu khetho.