Ngawaphi amaxwebhu afunekayo ukuze kutsalwe irhafu

Asinguye wonke umntu uyazi ukuba xa uthenga umnini yokuhlala unelungelo ukubanga yinxalenye iindleko ezenziweyo. Ingakumbi abazi phantsi kweemeko yintoni le mali, ziziphi ixesha isakhelo noko amaxwebhu iyafuneka ukuze kutsalwe irhafu. I-credit yerhafu iphezulu yi-13% yexabiso lentengo, kodwa aziyi kuba ngaphezu kwe-260 lamawaka engange. Kubonakala ukuba ubuninzi bexabiso lemisebenzi indawo yokuhlala, nto leyo ukufumana imbuyekezo - engange kwezigidi ezibini.

Nangona kunjalo, le nkqubo kuneengxaki ezininzi ezibalulekileyo. Okokuqala, ifanele ukuxhuzulwa irhafu eyi zingafumaneka kuphela kanye ubomi ngokomlinganiselo indlu. Ngamanye amazwi, ukuba ezifunyenwe odnushka $ 1.5 million kwizabelo ngokulinganayo indoda nomfazi, iqabane ngalinye uza kufumana amawaka 97 kancinane.

Enye minus - isixa ihlawulwe kwangoko, yaye ngokufuthi, ubungakanani elandelwayo exhomekeke imali yerhafu ahlawulwe kwixesha elidlulileyo. Ngamanye amazwi, ukuba umnini-propati ngo-2011 sele ihlawulwe 30 amawaka iirhafu, ngowe-2012, yena uyakwazi ukufumana 30 amawaka kutsalwe irhafu.

Le ethile sesithathu - amaxwebhu ukunika wokutsalwa kwerhafu zingenziwa kuphela kunyaka olandelayo umnyaka kokusayina isivumelwano. Ngamafutshane, ukuba isivumelwano wayisayinela le indlu ngoDisemba 2012, ngoko ukuze imbuyekezo angaya ngoMatshi-Apreli 2013. Ukuba i-yokuhlala wathenga ngoMeyi 2013, amaxwebhu yokutsalwa kwerhafu zingafakwa kuphela ngoMatshi-Epreli 2014 oko kukuthi, kamva phantse konyaka.

I-negative lesine - imbuyekezo ibe ifunyenwe kanye kuphela ebomini, inyaniso, ngenxa yeenguqu zakutshanje abazali ukufumana imali abantwana babo abancinane, ukuba sele inikezelwe izabelo ezindlini.

Kwelinye icala HIV ukuze kuqatshelwe ukuba ukuba intsalela zifumaneka nje kuphela imali ehlawulelwe indlu, kodwa ke inzala mortgage, kakade, ukuba ezithathwe kunye musa ukudlula 2 million.

Ngawaphi amaxwebhu afunekayo ukuze ipropati wokutsalwa kwerhafu ngenxa mortgage yokubolekisa?

1. ukuthenga nokuthengisa zokuhlala.

2. I zisayine isivumelwano semali-mboleko.

3. Isaziso umboleki egcinwe ukutshintshwa yokubambela igumbi mboleko.

4. Kuqhotyoshelwe apha ikopi yesatifikethi sokuzalwa somntwana (abantwana).

5. Isiqinisekiso sobhaliso karhulumente kwezithobekileyo yokwenene loBhaliso Chamber.

6. Imiyalelo Intlawulo evela ebhankini ukuze kwintlawulo yokuhlala ezifunyenwe (lokuqala kunye nentlawulo final).

7. Ishedyuli lokuhlawula inzala kunye nobungqina bentlawulo umdla ukulungiselela ixesha irhafu.

8. Ingxelo yeNgeniso 2-emhadini.

9. Iinkcukacha ze-akhawunti kwi-Savings Bank, nto leyo iya kuhlawuliswa ixhuzulwe.

10. Iikopi zawo onke amaphepha nencwadana leyo yokundwendwela.

Ukuba indlu zithengwa emtshatweni, kufuneka use la maxwebhu alandelayo ezongezelelweyo yokutsalwa kwerhafu: Ikopi yesiqinisekiso somtshato kunye ukuphika ukuze ufumane ukuxhuzulwa irhafu (ukuba iqabane akakwazi okanye abayi kufumana nto), okanye, kungenjalo, isicelo imbuyekezo isabelo sayo. Ukongeza, imfuneko ukuzisa kwisibhengezo egcwalisiweyo NGOBUCHULE-3, nto leyo efumaneka apha irhafu, kwaye khuphela kwi sayithi. Xa umnini uza isicelo ukuxhuzulwa irhafu sele kwingxelo kwindawo ebhaliweyo malunga ukutshintshwa imali kwi-akhawunti elicaziweyo isicelo yokutsalwa. Hi ndlela leyi, ngokutsho utshintsho zamvanje kwimithetho, umnini-mhlaba entsha uyakwazi ukufumana imbuyekezo ngexesha elifanayo akukho isixa esikhulu, kodwa izavenge ezincinane yenyanga elingana-13% yomvuzo wakhe. Enyanisweni, lixesha ngokulula ukuhlawula irhafu yengeniso.

Musa ukulibala ukuba Utsalo eyenziwe irhafu kuhlawulwa. Ukuba umnini / umnini-ndlu ayihlawuli irhafu, umzekelo, ukusebenza kwinkampani ongahlawuli "kwiimvulophu" okanye kwi ikhefu lokuya kubeleka, akayi kubuya imali. Ukuba umvuzo omkhulu "white" wafumana nje omnye wabalingane, ukuba nizuze nezimali efanelekileyo amalungiselelo ngokupheleleyo yokuhlala kuye.