Uceba ukuthatha ngetyala ukulungiswa? Kukho into omawucinge ngayo

Ukulungiswa namhlanje - isiganeko imali eninzi. Ngamanye amaxesha kuthatha ixesha elide ukwenza oko ngokuthe ngcembe, njengoko beqokelela mali. Indlela - mboleko zokusilungisa, nto leyo kunciphisa ixesha lokuba aguquke, yaye kuphela emva koko ukuhlawula ityala, ngoxa uhlala endlini entle mavoko.

Namhlanje, iibhanki neziqhuba iinketho eziliqela izigqibo ngetyala utshintsho indlu okanye indlu. Ifana neemeko ezifanayo, kwaye ukuba nokulungiswa kuyimfuneko mboleko imoto.

Eyona ndlela ilula - ukuthatha imali likhululwe. Kuba kuyilo wayo kufuneka ubuncinane amaxwebhu: yokundwendwela, ikopi umsebenzi, ingxelo yengeniso. Kwezinye iimeko (ngokuxhomekeke kwisixa), ibhanki ingafuna co-somtyikityi inxaxheba. Awunayo mfuneko-mboleko kwaye akukho mfuneko ukuba uxanduva oko uchithe imali. Ngesi ngobuwena, uyacebiswa ukuba uncedo kwiimeko apho ufuna ayikho isixa esikhulu kakhulu. Kodwa simele sikhumbule ukuba inzala kule mali-mboleko liphezulu (12 ukuya kwi-18%), kwaye igama elithi buyiselo akukho kwiminyaka engaphezu kwemihlanu.

Enye indlela - mboleko injongo olubekwe yi izindlu okanye imoto. Le udumo ngenxa yokulungisa Kulungile, ukuba ufuna isixa esikhulu. Kulo mzekelo, iipesenti kuya kuba ngaphantsi. Kwaye ukufumana imali-mboleko enjalo lula, kuba ebulela kuyo uya kufumana mortgage nokuba abanemivuzo ephantsi (njengoko isiqinisekiso sengqesho). Noko ke, ubhaliso isibambiso kufuna iindleko ezithile (assessment, i-inshorensi, ichweba ubhaliso kufu-).

Ke ekugqibeleni, ukuba utshintshwano ezinkulu-abasakhasayo ezifunekayo kufuneka akhuphe mboleko ekujoliswe ukuze kuhlaziywe indlu. Olu hlobo lokubolekisa yahlukile ukusuka gwenxa lodibaniso elikhulu kumba kwaye amazinga phezulu inzala, njengoko ezimbini zokuqala. target processing mboleko iza kuthatha ixesha kancinci, kuba kuya kufuneka ukuqinisekisa injongo yayo.

Ukuze uyifumane, kufuneka uqhagamshelane ibhanki ukufumana inkampani yokwakha, naye kwasayinwa isivumelwano ukunika ibhanki iindleko. Ezinye iibhanki ukusebenzisana kunye zonke iinkampani zokwakha, kodwa kuphela ezithile (yobungqina).

Ngokuxhomekeke kwiimeko, imali-mboleko ukuba kutywinwe ingakhutshwa phantsi isibambiso kwigumbi okanye hayi. Kwimeko yokugqibela, le pesenti ibe phezulu, kodwa ngaphantsi for angakhuselekanga credit yabathengi. Kwimeko lokubhaliswa isibambiso uya kufuna iindleko ezongezelelweyo-apreyizali real estate, i-inshorensi yobomi bakho, iinkonzo izivumelwano.

Phambi ziqhagamshelane ebhankini, cinga khetho ngetyala kuya kuba kakhulu yingenelo kuwe. Ukuba bathenga indlu kwisakhiwo esitsha, kodwa ngaphambi kokuba ndawo uhlala kwindlu eqeshiweyo, kuyinto ebaluleke nangakumbi, ukubhenela iinkonzo zebhanki. Ukuba unayo indawo yokuhlala ngoxa uqhuba ukuguqulwa, ungenza ngaphandle mboleko.

Musa sukela, ucinga ukuba okanye hayi ukuya kungena ematyaleni. Kwaye ukuba akukho ngetyala ayide ngokwaneleyo, yithathe iimeko ezizezona zifanelekileyo. Yiya ezijikeleze iibhanki ezimbalwa kwaye ufumanise ukuba imigomo nemibandela, njengoko ziyahluka kakhulu. Ngaphambi kokungena kwisivumelwano semali-mboleko (ukuba yokulungisa), funda ngokucotha kunye onke amanqaku nazo zonke iimali ezingaphezulu ukuba kuya kufuneka ukuba uhlawule, ukongeza kwinqununu (ikhomishini inkonzo ngokuwanika-mboleko, intlawulo bakhe). Ezinye iibhanki musa ukubiza ikhomishini. Ngoko ke niya kuba nako ukugqibezela deal kakhulu ngokwabo.