Can I ukuthengisa ifulethi, wathenga indlu? Indlela ukudayisa ifulethi, burdened nga ngalindelekile mortgage

Ngeshwa, akekho phakathi kwethu okuzivikela okungazelelwe ukulahlekelwa umsebenzi, ngokugula okungalindelekile noma ngaphezu emndenini. Ekuphileni, kungase kwenzeke njengoba izenzakalo esidabukisayo futhi bajabule. Futhi ngisho uthenge ngesikweletu kuyizindlu efiselekayo kuyosheshe kube umthwalo futhi okungadingekile.

Can I ukuthengisa ifulethi, wathenga indlu? Sizozama ukuthola ngayo namuhla.

Lapho kuthengiselana iyadingeka?

Abasebenzi ngokuvamile kufanele uzwe amabhange okweletwayo ababoleka zabo, "Ngifuna ukuthengisa ifulethi ku mortgage, kodwa awazi ukuthi uqalephi." Yamadivayisi efulethini, okuyinto eyisibambiso ebhange, into okwamanje ezingavamile ngenxa bakithi. Nokho, yasebhange umkhuba yesimanje kakade ihlangabezane Ezimweni ezinjalo. Ngokwesibonelo, lo muntu obolekayo usezuze mortgage efulethini, ukukhokha ngokucophelela amacala zamanje, kodwa-ke, ngenxa Kwezinye izimo, wamthatha indlu enkudlwana. Kule ndaba, ke ufuna umthengi lesikhala lawo lokuphumula ngosizo a Realtor noma ngokwabo.

Ukuqhutshwa esetshenziselwa ukukhokhela loan, futhi okusele iba isitolimende sokuqala ukuthengwa Ezezindlu ube usayizi omkhudlwana, kodwa entsha nesivumelwano sokubolekwa imali. Lesi simo kungaba ezahlukene. Uma ngemva kwenkathi ethile yesikhathi ikhasimende yasebhange, uthole mortgage, akakwazi ukuqhubeka esebenzisa imali ebolekiwe, khona-ke lokhu impahla wabheka umthengi ofanayo. Khona-ke semthethweni esivumelwaneni ukudluliselwa izikweletu, kodwa kuphela ngenkululeko ebhange. Umthengi unelungelo ukuthenga impahla, kodwa umthwalo wakhe ukukhokha izikweletu ebhange, ngamanye amazwi, kuba okweletayo yayo.

Kunezimo lapho umthengi akanayo komhiaba ukwakha imali edingekayo ukuze kukhokhelwe ukuthenga isikhala ephilayo ngaphezulu, futhi naye nizomthatha loan mortgage. Le nqubo iyinkimbinkimbi kakhulu kunalokho, ngoba ibhange uzodinga ukuvuma candidacy yakhe, ukuhlola umthamo wayo wezimali ukuze kuqinisekwe ukuthi izinkokhelo loan zilondolozwe.

Ahlukanisa impahla ebhange

Uma lo muntu obolekayo ubonakele izimo ezingaphezu kwamandla abo ukuthi ungavumeli ukwenza izinkokhelo ngokugcwele, ibhange ngokuyinhloko unesithakazelo ukuba niye kumhlangabeza kuyi ukuqaliswa yokuhlala ingcebo. Uma umthengi kwezindlu ayitholakali, ukusungulwa inikeza umlingani onokwethenjelwa futhi omethembayo kumakhasimende ayo ukuze afeze kuthengiselana. Nokho, lo muntu obolekayo kumele abe nokuqonda kahle ukuthi ukuthengisa indlu, abadliwa abatshelekayo. Le nkokhelo is a non-standard, ngakho-ke kungaholela ukuncipha yentengo kwezindlu.

Ibhange unesithakazelo yokuthi loan iye ukusikhokha, futhi akukho zimali ngasekupheleni. Uma umboleki ngoba ngenxa yezizathu eziningana abakwazi ukukhokhela imali kwi ebolekiwe, bavumelana wokuyibuyisa ngezithukuthuku ukuqaliswa kwe-efulethini, isikhungo sezimali, njengoba umthetho, nilidle izibambiso. Kwenzeka enkantolo.

Ukuze uthengise efulethini, ise-mortgage, kungenzeka, uma nje izinkokhelo umthengi izobanjelwa ngokusebenzisa ebhange futhi ngaphansi kokuqondisa isisebenzi somnyango credit. Lo myalo bokuhlukaniswa kwempahla, elise isibambiso, kuchazwa ngokuningiliziwe e umthetho mortgage.

Encumber ukhiye efulethini ukuphoqelela ethile oda lelilungelo esisemthethweni.

Sifuna umthengi

Uma ufuna ukuthengisa ifulethi, ethengwe ku a mortgage, kufanele siqiniseke ukuba sifake kwemvume ebhange. Uma Uvikele ukwamukelwa yayo, kubalulekile ukukhetha uhlelo elikhulu ukudayiswa.

Cabangela izindlela ukuthengisa

Kunezindlela ezimbili ukwenza imisebenzi enjalo. Kuyini ezifanele kakhulu esimweni sakho - ozonquma ebhange, umthengi kanye nomdayisi. Izindlela ihluke nomunye. Kubalulekile, lapho futhi ngaphansi kwaziphi izimo ngeke asuswe isiqinisekiso ingcebo - kuze kube yokubhalisa kobunikazi noma ngemuva kwalokho.

Esikhathini isimo kuqala ibhange evuma esikhundleni umnikazi, bese kususa umthwalo. Ngenxa yalokho, isikhathi esithile, lo mortgagor iyona umnikazi omusha we efulethini - umthengi. Ufaka imali kumaseli ezimbili kule Depository. Ngo imali egcinwe, okuyinto ilingana esele esikweletini ebhange, elinye - engxenyeni esele. Operations nge amaseli aphethwe ngaphansi kokuqondisa abasebenzi asebhange. Emva kokubhaliswa amalungelo impahla ukuthi umsebenzi lincibilika "yayo" cell ukulingana izikweletu futhi unikeza umthengi idokhumenti ku ukususwa encumbrances. Cash kusukela cell yesibili ethola nomthengisi efulethini. Kulesi okwenziwayo sekuqediwe.

Can I ukuthengisa ifulethi, wathenga mortgage ngenye indlela?

Yebo, kukhona enye inguqulo ye ukuthengiselana okunjalo. Esimeni sesibili, umboleki kumele lifake i-akhawunti ebhange ezikweletini nasezinsizini inzalo enqwabelene ku loan wamanje. Lokhu kwenzelwa ukuqinisekisa ukuthi isikhungo sezimali wabhala off lemali futhi wakhipha incwadi ukuze lo muntu obolekayo ukuthi izibopho zakhe kubo zenziwa, futhi umthwalo izindlu kususwe.

Kuze kube yimanje, umdayisi ungenza inkontileka ukudayiswa amafulethi (idatha owandulelayo), ngemuva kokuphothulwa lapho umthengi uzokunika umboleki imali edingekayo ukuze kukhokhelwe ukumboza mortgage yabo. Ngakwelinye ihlangothi, umboleki kuzoletha imali ku-akhawunti yakho yasebhange ngaphambi imiculu ukubhaliswa amalungelo endawo. Ukuze nginikeze wonke amaphepha adingekayo ukuze ukususwa encumbrances nerejista inkontileka sokuthengisa kungenzeka ngosuku olulodwa.

Isivumelwano kuyinto ezingavamile, kodwa kungenzeka

On umbuzo ukuthi kungenzeka ukuthengisa ifulethi, wathenga indlu, abasebenzi asebhange ngokuvamile basabela ukuthi lokhu kuthengiselana kulula njengoba evamile, kodwa kungenzeka wayengomunye wabo. Inkathi, ngemva kwalokho nokuqaliswa kwalo amiswe ebhange.

Namuhla, kunezindlela ezintathu ngalo ungakwazi ukuthengisa indlu wathenga ngaphansi mortgage ukuphi. Inketho yokuqala - ukuthengiswa ehlukile. Linomqondo obala zokukhokhelwa kanye kwemvume saziso ukuze ayemkweleta yakhe yasebhange. Uma imvume etholakala futhi ekugcineni kunqunywa inani izikweletu ku nesivumelwano sokubolekwa nomthengi kuyinto. Kufanele kube kwasayinwa. Umthengi bese ukhokha ebhange ayemkweleta lemali ukuthi kufanele umdayisi. Ngemva kwalokho, uthola ezandleni zakho irisidi kanye nobufakazi ukungabi izikweletu.

Kule nkathi umdayisi kufanele ngokusemthethweni ukubhalisa nokukhishwa encumbrances emagunyeni afanele futhi ukudluliselwa kobunikazi efulethini ithengiswe. Kumele ibhaliswe futhi inkontileka sokuthengisa. Umehluko indlela phakathi inani izikweletu ebhange futhi intengo efulethini egcinwa ukuphepha idiphozi ebhokisini izimo ukufinyelela ethize.

Inketho yesibili - ukuthengisa loan. It libhekene isihloko ukudayiswa. Kubo loan mortgage. Ngenxa yalesi, futhi, uzodinga ukuthola imvume ka ebhange ayemkweleta. Kulokhu, uyena onelungelo lokusho ukuthi akuvumele (noma ukunqabela) candidacy of umboleki entsha. Kuphela uma kukhona sokuvuselela loan.

Semthethweni isivumelwano ukuze uthumele isikweletu umthengi eqala kwesibopho angabuyisela izikweletu. Kulokhu efulethini namanje eyisibambiso ebhange. Ngaphezu kwalokho, ngaphambi kokuba anikezwe isikweletu ongahlenga futhi isikhungo sezezimali eyodwa ukusuka kwenye (refinancing). Kodwa imisebenzi enjalo ngokuvamile madolonzima bophezela, ngenxa yokuthi ukuthi akanandaba kokulahlekelwa amakhasimende abo.

Inketho Three - olungekho emthethweni

Kuyindlela ezingabazekayo kuzo zonke izici. Ukuqalisa, udinga ukuthola umthengi ofuna ukukhokha off the loan ekuseni. Thola umuntu onjalo kunzima. Ngaphezu kwalokho, kule ndaba, mortgage kumele ikhokhwe off ekuseni ngaphandle kokuhlawuliswa. Uma ungazi kanjani ukuthengisa indlu ukuba indlu, kubalulekile ukuba sicabangele ukuthi kuthengiselana kuyokwenzeka kanye efulethini.

Okunye eziphathelene ukudayiswa mortgage ezindlini

Kaningi, ukunikeza izindlu kuyisikhathi eside elindelwe abantu eziningi izinkinga. Ngokuvamile, zihlotshaniswa ushintsho ezimweni zokuphila, ukulahlekelwa umsebenzi, ukungakwazi sokukhokha imali ebolekiwe. Ngokwesibonelo, abantu abaningi banesithakazelo umbuzo wokuthi kungenzeka ukuthengisa indlu ku-mortgage ezempi. into enjalo kungenzeka, kodwa ukuthola isivumelwano kuso, ibhange uboleka futhi eMnyango Wezokuvikela.

Namuhla, wazi, noma kungenzeka ukuthengisa ifulethi, wathenga mortgage. Sithemba ukuthi ulwazi etholakale kuyokusiza ukuba afeze ukuthengiselana okunjalo kahle.