Nokuthathelwa indawo ngaphandle engenayo

Igama elithi "mortgage" ubuncinane kanye ebomini bakhe beva bonke abantu, yaye abaninzi nje beva, kodwa bejamelene mortgage ukubolekisa buqu. Unakho kakhulu ngokuzithemba ukuba mboleko mortgage namhlanje yenye yezi ntlobo uthandwayo mboleko yebhanki. Ngenxa yokuba ukusetyenziswa kwayo ikuvumela ukuba uthenge kumakhaya abo. Kodwa ukukhupha loo mboleko asikwazi bonke.

Inyaniso kukuba kwiimeko ezininzi, ukufumana-mboleko, uya kuba inani elikhulu yamaxwebhu ezahlukeneyo, izinto eziphambili leyo kwingxelo yengeniso. Kodwa ke, ngelishwa, asingabo bonke abantu kwilizwe lethu ukusebenza ngokusesikweni, kunjalo ukuba isondezwe, abaninzi awukwazi, ngoko, kwaye ukufumana imali-mboleko, kakhulu, asikwazi. Enyanisweni akukho; ngokuba ngoku kukho mortgage ekhethekileyo ngaphandle ingeniso.

Le mortgage has iintlobo ezintathu:

1. Fumana mboleko ngaphandle ingeniso ukuba phantse bonke nako ukuqinisekisa umthombo mali.

2. Uncedo isekhona, kodwa ifomu free. Kulo mzekelo, umboleki enokwenzeka ukuqinisekisa ubukho nayiphi na ingeniso reference, namandla okukufikelela.

3. Kuyenzeka ukungenisa isatifikethi kokufumana olongezelelweyo umthombo wengeniso. Olu khetho sifaneleke ngakumbi kubantu abane imisebenzi emibini okanye emithathu. Kodwa kulo mzekelo omnye wabo ibe esemthethweni.

Xa nawuphi na umcimbi, zokubambisa ngaphandle ingeniso inika ithuba yokuthenga izindlu kubantu abangenakho ukungenisa uxwebhu. Kodwa kukho caveat. Ayizizo zonke ibhanki okhupha mboleko mboleko. Kulo mba, nanku umbuzo, apho ungakwazi ukuthatha enye imali ngaphandle ingeniso. Kulo mzekelo, ayizuze, ungasebenzisa enye yezi ndlela: nokuba lokubhenela abarhwebi ezizodwa ngetyala, okanye enye shiya isicelo nokufumana mboleko kwimigangatho eyahlukeneyo. Ulwazi zombini abarhwebi kunye neebhanki ukuba zifumaneka kumaziko ngamaziko ahlukeneyo. Ngaphezulu, kufuneka kuqatshelwe ukuba uninzi iibhanki intanethi compulsorily ulwazi malunga nokuba mortgage ikhutshwa ngaphandle ingeniso. Kwaye le nkcazelo kulula kakhulu ukufumana iziko kuyimfuneko ngetyala.

Ngophanya nje lweliso, kusenokubonakala ngathi olu hlobo mortgage yinto enomtsalane kakhulu yingenelo inani elikhulu kubaboleki. Kodwa ngaba ngokwenene?

Ngaphandle kokuba ngamanye amaxesha olu hlobo lwe-mboleko mortgage na ithemba lokugqibela yokufumana ikhaya zabo, ukuba kukho inani elikhulu kakhulu kuneengxaki. Chief phakathi kwazo zezi zilandelayo:

1. Ayizizo zonke ibhanki ikhupha a mboleko.

2. Inzala ezivela kwi-mboleko liphezulu kakhulu, kodwa ke ixesha apho kuthatha, ngaphantsi ngokufuthi ngaphezu koko apho imali-mboleko senziwe ukunikwa ilungelo kakhulu.

3. Amaxesha amaninzi, ukufumana mortgage nzima imfuneko ukunika mali.

Enoba kwakuyintoni na, ezingeloncedo ngendlela ebonakalayo enje, mortgage ngaphandle ingeniso akumnandanga imfuno ngaphantsi kunesiqhelo. Kodwa ukuba olu hlobo lwe-mboleko okanye hayi, konke ubolekayo kufuneka isigqibo ngokwayo.