Indlela ukuthatha ngetyala for capital lokubeleka

Ngokude hayi wonke umntu uyazi ukuba namhlanje, iintsapho ezininzi banethuba elilelabo - ukufumana imali-mboleko kwi-capital ngosana. Okokuqala, oku ibhekisela inkqubo mboleko, apho iintsapho ezininzi kufuneka ithuba ukusombulula izindlu zabo okanye iingxaki "lemfundo".

Ungasebenzisa indlela capital kubeleka yokuqala ekufunyanweni kolunye mboleko yezindlu? Okokuqala, kufuneka ukucacisa into yokuba esi sibonelelo sivunyiwe nenkxaso karhulumente a emva kokuzalwa, kwakunye kwiimeko apho intsapho iye yamkela umntwana wakhe wesibini ukuya kusapho. Phantsi komthetho ngoku, ikomkhulu umzali ngenxa usapho ukuchitha kuphela kwiimeko ezintathu:

• - ukwandisa unina umhlala-phantsi ngenxa capital;
• - ukuhlawulela imfundo yomntwana;
• - bachitha imali into ukuphucula iimeko zokuphila lentsapho.

Ngenxa kwizikolo ezikude kakhulu kwexesha elaneleyo iingongoma zokuqala ezimbini uninzi baseRashiya ukhetha ukuchitha elikomkhulu wamva.

Phambi kokuba uyazibuza "nalapho unokufumana i credit sokubambisa" kufuneka bayazi kakuhle kunye nemiqathango eyinkunzi maternity, nokuba ukusebenzisa njani. Ngoko ke, ngokutsho Pension Fund, ukukhupha iziqinisekiso kwesi sibonelelo, ngaphezulu kwama-75% yabantu baseRashiya kudla usebenzise ukufumana karhulumente inkxaso-mali yokuhlawula imali-mboleko.

Kubalulekile ukuqaphela ukuba intsapho alahle imali, kwaye phambi kokuba umntwana ujika iminyaka emi-3 ubudala, oko kukuthi, kamsinya nje abazali baya kufumana isatifikethi of capital, ngoko nangoko emva koko amalungiselelo mortgage okanye ukuhlawula imali-mboleko wayethathe.

Nakuba kunjalo, kufanele kuqatshelwe ukuba ayizizo zonke imibutho ukukhutshwa mboleko yokuthenga izindlu, thatha le ncwadana ukuba ahlawule intlawulo phantsi.

Sebenzisa adunyiswe eyinkunzi lokubeleka kunye nemali-mboleko mortgage kunokuba nje iindlela ezimbalwa:

- ukuhlawula intlawulo phantsi xa uthenga indlu;

- lokuhlawula imali-mboleko sele kuthatyathwa kwipropati.

Isiqinisekiso akakwazi cashed, yaye zonke iintlawulo liqhakraqhakra kwenza ngayo, kufuneka kujoliswe non-cash. Emva koko, inkqubo yokulungiselela amaxwebhu ayimfuneko ukwenzela iibhanki, ezo ezifunekayo ukuba isicelo-mboleko.

Kuba abaninzi credit bamalungelo isiqinisekiso 'for capital lokubeleka "uba ingongoma moot yesicelo esilungileyo ezi mali. Akuvunyelwe ukuwasebenzisa:

- ukuhlawulela ukulungiswa endlini entsha;

- yokuthenga imoto entsha;

- ukuthatha ngetyala ushishino;

- sebenzisa imali yokuthenga izindlu ezithengiswayo;

- sebenzisa yonke imali okanye nayiphi na inxalenye yalo kwiimfuno yentsapho.

Ukuba le ntsapho wanikwa ikhredithi ngenxa eyinkunzi lokubeleka, wabe usebenzise imali iinjongo zabo, kufuneka kuqala afumane isatifikethi le ingqukuva. Ukuze wenze oku kufuneka uqokelele onke amaxwebhu ayimfuneko, qhagamshelana nesebe lakho le RPF uze ubhale ingxelo malunga nokuvunywa yayo.