Yintoni na a mortgage ngaphandle intlawulo phantsi?

Uninzi kubaboleki namhlanje ufuna mortgage ngaphandle kokuba intlawulo phantsi ngo-2013 iye yaphunyezwa ngempumelelo. Kule meko, okuninzi kuxhomekeke koko umntu ngokwayo. Njengoko ngokunjalo nendima ebalulekileyo isigqibo siya kwenziwa kwiziko ethile zemali kwi isicelo zokunikezelwa mboleko mboleko.

Yintoni i-mboleko sokubambisa, yaye ziziphi izinto zayo?

Olu hlobo mboleko yinto mali lwexesha elide yokuthenga izindlu zabo, nayo leyo enze njengesiqinisekiso. Izinto eziluncedo kukuba iyafumaneka, enika ithemba elizayo kunye nenzuzo kakhulu.

Kutheni ukunyusa inzala kwimali mboleko?

Xa umboleki ayikho imali yabo, oko umngcipheko eliphezulu ebhankini. Imali ukunikwa ixesha elide ngexesha apho umboleki ngokulula kuba utshonile. Le ubungqina ekunokuthiwa nentlekele, leyo ngokukhawuleza yaba asethi iziqwenga yanto lwephepha, kwaye kubaboleki abanyanisekileyo utshonile.

Sibambe ukuthatha inyathelo efana mortgage ngaphandle kwentlawulo phantsi, iibhanki banyanzeleka ukuba inshorensi
mboleko. Le inshorensi ukwazisa-mboleko kunye ngoncedo yokunyusa inzala kwimali-mboleko. Nangona namhlanje lo mngcipheko yamkelekile hayi ebhankini, ndaza ukufumana ababolekisi ukunikezela ngeenkonzo zazo ngaphandle indlela zalo, cishe akunakwenzeka.

Yintoni efunekayo ukuze samkelwe yi-mboleko ngaphandle intlawulo phantsi?

Umsebenzisi kufuneka abe nesabelo kweendleko mhlaba efuna ukufumana. Ngamanye amazwi - intlawulo yokuqala, ekufuneka ibe ngaphantsi kwe mboleko. Ngokwesiqhelo uye 0 ukuya kwi-90 ekhulwini. Kungenjalo, mortgage ngaphandle intlawulo phantsi ukuthatha
akunakwenzeka. Ngenxa yesi sizathu, xa kukho imfuneko mboleko ezinjalo, njengomnikelo, ungasebenzisa i mboleko abathengi okanye imali efunyenwe ngokuthengiswa kwempahla.

ndinako ukuba nini ukufumana imali?

A isixa endilisekileyo kungabalelwa kuphela xa intlawulo enkulu sokuqala. Ukuba ufuna ukukhetha ukhetho ilungileyo, kwaye ubungakanani ixesha mboleko, kufuneka usebenzise wokubala ekhethekileyo eye ezidalwe ngokukhethekileyo le njongo, okanye ungenza isicelo kwiziko mortgage loan.

Yeyiphi kweebhanki ethandwa kakhulu?

Xa kunokwenzeka ukuba wena umboleki enokwenzeka njenge mortgage kungekho phantsi intlawulo, ukuya ukubhaliswa yayo ebhankini kufuneka uqaphele ukuba le nkonzo ibonelela abaphathi kunye nababhekisi phambili kwiinguqulelo ezahlukeneyo. Ukuza kuthi ga ngoku, ukuba sele usebenza iiprojekthi ezininzi kwimibutho. Ithandwa kakhulu phakathi kwabantu, kwaye zibizwa ngokuba "mortgage mboleko ngaphandle kwentlawulo phantsi Savings Bank." Le ukukhanya ekupheleni kwetonela iintsapho abatsha nje wabonakala, nangona ukuba ipesenteji ukwanda. Kubalulekile ukuqwalasela ukuba kukho amathuba yezilungiso encinane iinkqubo zemali. Kukho, ukuba uqale ukufumana imali-mboleko yabathengi, uze emva koko uthabathe enye, leyo ibizwa ngokuba "mortgage mboleko ngaphandle kwentlawulo phantsi." Kodwa musa ukulibala malunga imiqathango yaye kufuneka ibalwe, uya kubuyekeza indlela mboleko qho ngenyanga, ukuze kamva kungabikho ngxaki.