Indlela ukufumana mortgage ngaphandle intlawulo phantsi kwintsapho oselula?

Ukuba wenza ukuba kukho imali intlawulo phantsi, oko akukho ngxaki. Ukuba unayo imali ekuvumela ukuba uhlawule imali-mboleko, ngoko amalungiselelo-mboleko kunye kungekho phantsi ntlawulo kunokwenzeka.

Ngaphambili, indlela elula ukufumana imali-mboleko yaba yakhe ukuba inkqubo ekhethekileyo yebhanki. Kodwa lo mzuzu xa ezaqala, ezi nkqubo irhoxisiwe. Ngoko ke, kubalulekile ukufumana enye isisombululo. Ukuze siphendule lo mbuzo, "indlela ukufumana mortgage ngaphandle kwentlawulo phantsi," ngaphezu kwako konke, sifanele ucele omnye kuye: "? Ndingasihlawula" Ukuba impendulo ngu-ewe, ngoko ke kufuneka senze isigqibo malunga nokuba yeyiphi inkqubo mortgage okulungileyo wena.

Loan ngaphandle kwentlawulo phantsi isibambiso

Le ndlela efanelekileyo kwabo sele yokuhlala ezinokuthi kunikwa ukhuseleko ebhankini. Mhlawumbi lula ukuba uthathe imoto ngaphandle kokuba intlawulo phantsi kwe-mboleko. Kodwa kukho ithuba. Kukho iibhanki eziliqela ekhuphe mboleko ezikhuselekileyo. Ngoko ke kubalulekile ukuqwalasela isibini lamanqaku:

1. Iibhanki musa ukunika ixabiso ngokupheleleyo indlu, owaphulelwa ibheyile. Inkoliso iibhanki ngakuphi 80%. Oko kukuthi, ukuba impahla yakho exabisa engange nezigidi ezithathu, imali-mboleko uza kuthetha ukuba malunga 2.4 million engange. Esi sixa kunokuba ngaphantsi, njengoko ingeniso yomboleki nayo kuchaphazela ubuninzi bobungakanani-mboleko.
2. Indlu kukuba uza ukunika isibambiso, kufuneka kube kanye apho ikhoyo yibhanki ukukhupha imali-mboleko.

Indlela ukufumana mortgage kungekho nezivumelwano zokubambisa intlawulo phantsi ngokuthatha ezimbini kanye?

Ukuba indlela yokuqala ilungele abo indawo ezibiza kakhulu, kwaye iba atshiphu, ngoko usebenzisa le ndlela kunokwenzeka ukuthenga indlu ibiza kakhulu, okanye, icala, ayibizi kakhulu.

Ngokubanzi, anikwe mboleko ezimbini mortgage: owokuqala yenzelwe ukuhlawula isavenge sokuqala, ukhuselo yezindlu ekhoyo, yaye okwesibini - phantsi isibambiso indawo yokuhlala, nto leyo izicwangciso ukuyithenga.

Indlela ukufumana mortgage ngaphandle intlawulo phantsi, yaye yebhanki? Ukuza kuthi ga ngoku yaziwa yibhanki kuphela omnye, apho sisebenzisa le ndlela liboleke abanye; elikhuphe loo
yi mboleko kunye akukho ntlawulo phantsi elikhankanyiweyo inkqubo eyahlukileyo. Kodwa kukho amazinga ngokwaneleyo umdla eliphezulu. Ukuze uqonde indlela enjalo ungasebenzisa kuphela iikhredithi ezimbaxa efunyenwe kwiibhanki eziliqela

Indlela ukufumana mortgage ngaphandle kwentlawulo phantsi nangoncedo mboleko kubathengi?

Akukho Idipozithi? Yinto elula kakhulu. Ukuze wenze oku, kufuneka uthathe mboleko ezininzi kwimigangatho eyahlukileyo izixa ezahlukeneyo. Kodwa kuyimfuneko ukuze bakuthathele ingqalelo ngexesha elifanayo ukuhlawula amatyala ukuba kusekho silifumana, yaye ungafumana kuxabise phezulu kakhulu-mboleko eziqhelekileyo. Kwakhona, le mboleko ixesha ubuninzi izihlandlo ezibini ngaphantsi kwe-mboleko.

Like ufumene indawo yokuhlala kwigumbi ngetyala ngaphandle intlawulo phantsi ukuba kuyenzeka. Kodwa ngaphambi kokuba uthathe imali-mboleko, kwaza kakhulu kakuhle bavavanye iinketho zakho. Ngaba uya kukwazi ukuhlawula iimali-mboleko ezininzi ngexesha elinye?

Fumana mortgage ilula, kodwa emva kusafuneka!