Amaphepha adingekayo ukuze ukudayiswa amafulethi

Ukuthenga impahla, njengoba ngempela futhi ukudayiswa yayo - inqubo okuyinto
Kudinga ukunakekelwa hhayi kuphela, indlela okulinganiselayo nesokuba nesimo sengqondo wemfanelo, kodwa futhi ukuqoqa futhi ahlinzeke nokubhaliswa isimo izibambiso ezithile.

Yiziphi imibhalo ukudayisa ezindlini noma ukuthenga edingekayo? Kuyaphawuleka ukuthi isidingo ukuqoqwa kanye ukulethwa eziningi amaphepha adingekayo we umthengi nomthengisi we indawo yokuhlala.

Imibhalo Iphakheji umthengi

Isandla, ukuthenga, ngakho, ngokweyame lemali edingekile ukuthengiselana uzodinga kuphela ukwethula umazisi. Uma ukuthenga senziwa ngumuntu emshadweni olusemthethweni, futhi impahla yoba ifa omunye abashadayo, ukubhaliswa amalungelo endawo kuzodinga kwemvume noma umfazi kuthengiselana ngomhlangano eqinisekisiwe ngumuntu ummeli olungisa izivumelwano. Ayikho iphepha babeyovuswa okudingekayo kusuka umthengi.

Esimweni lapho zonke isenzo ukuthengwa abantu izindlu omethembayo wesithathu (a omele ingcebo ejensi noma omunye umuntu) badinga amandla ommeli ababulawa futhi eqinisekisiwe ngokuhambisana nomthetho.

Thenga efulethini mortgage kulesi sihloko ayoshaywa indiva, kanye ukudayiswa noma ukuthengwa yokuhlala ingcebo izinhlangano.

Umthengisi iphakethe kwemibhalo

Uma umuntu enza ngumthengisi, nsuku saziso kusuka kuye

amadokhumenti alandelayo ayadingeka ukudayiswa efulethini:

- Ubufakazi ungubani.

- Imibhalo kukhona ubufakazi bobunikazi nomthengisi kuleso sakhiwo.

- izakhiwo Technical iphasiphothi.

- Okukhishwa ezinhlamvwini irejista endlini.

Le mibhalo ukuze ukuthengwa nokudayiswa efulethini ayadingeka kodwa akubona bodwa. Kuye isimo esithile, kanye into ukudayiswa (inombolo abanikazi, yobudala kanye nesimo sempilo umdayisi njalo njalo), kanjalo inani amaphepha adingekayo.

Ungakwazi limenyezelwe Iphepha ezilandelayo kumele ezidingekile ukudayiswa efulethini:

- ukuvumela sivikelwe;

- ubufakazi mayelana nokwenqaba nezinye co-abanikazi, omakhelwane nakubaphathi bedolobha kusukela wokuhlengwa egumbini efulethini ngokuhlanganyela;

- nencwadi engokomthetho yesehlukaniso noma komngane womshado;

- isiqinisekiso esemthethweni ukungena libe yifa labo.

Futhi lakhomba inani izitifiketi namalayisense (ukungabi khona encumbrances kanye nezikweletu, ukukhokhwa kwezintela, ukukhubazeka, noma Ukukhululwa, njll). Kuyadingeka ukuba acabangele yokuthi imibhalo eyengeziwe ukudayisa amafulethi akukungakanani isikhathi.

Umdayisi kanye umthengi kufanele uqaphele ukuthi kukhona izimo eziningi ukuthi alikwazi ukuba ukudayiswa. yemizi ezingeke zikwazi ukuthengiswa:

- amandla ommeli (esimweni sokufa kukathishanhloko);

- ku-inkontileka kwezenhlalo yokuqashwa;

- endabeni ezinjenge engumlanjwana;

- uma kukhona zibhaliswe izingane ezincane, futhi akukho sinqumo esihle we sivikelwe ukuqhuba kuthengiselana.

Njengokulindelekile, bonke imibhalo kulezi ezingezansi uhlu olungaphelele. Khuluma ngokucacile ngalokho amaphepha ukudayiswa amafulethi kungase kudingeke, can kuphela onguchwepheshe ngolwazi olunzulu emkhakheni kokubhaliswa amalungelo endawo. Umeluleki abanekhono akusho kuphela ukumemezela uhlu kwemibhalo edingekayo, kodwa futhi ukuba oda irisidi yabo, kuye ngokuthi isikhathi sokusebenza, kanjalo sigweme ukwenqaba ukubhalisa kuthengiselana ngenxa izitifiketi oluvelele.

iseluleko abangane (noma akuzona ochwepheshe kulo mkhakha) noma izincwadi ngezincwadi ezihlukahlukene ingasetshenziswa kuphela njenge-reference, kodwa hhayi njengoba umhlahlandlela esenzweni.