Ukubuya nasithakazelo loan ukubuyiswa kwemali ekuseni: Litigation

Namuhla namanje impela eningi abantu ababebhekene nazo loans yasebhange. Ukwenza out loan ebhange, abaningi reinsured futhi uthathe ukuvuthwa enkulu ngokwanele. Empeleni zivame ukukhokha yonke imali ebolekiwe isheshe, kodwa kuyacaca ukuthi isikhathi izinkokhelo ebhange etholakele umboleki kakhulu. Kungenzeka yini ukubuyela nesithakazelo loan ukubuyiswa kwemali ekuqaleni? lolu daba kufanele kubhekwe ngokuningiliziwe.

Kungenzeka ukubuya amaphesenti

Ngokuvamile, izikhungo zemali ngqo ebekiwe izinkokhelo njalo amacala ezengeziwe, yokungakhokhi uthishanhloko noma enqwabelene kuso ngakho buyisela imali iba yinkinga. Izimbuyiselo inzalo ekhokhiwe uma ukubuyiswa kwemali ekuseni imalimboleko ungokoqobo kuphela uma abulawe efanele isicelo olufanele kanye isiqinisekiso sokuthi isikweletu ikhokhwe ngokugcwele.

Ngenxa yalezi zici, kufanele sinake nezinye nemibandela nesivumelwano sokubolekwa. Ngakho, ngo-ikani jikelele ube yisivumelwano esibhaliwe kuthiwa ukholelwa ngokuqinile ukuthi akunakwenzeka ukuba abuyisele phambili boleko isheduli kungakapheli isikhathi esithile.

futhi:

• izimo ezithile ukubuyiswa kwemali kwesikhathi ngasinye isikhungo sezezimali zabo;
• ngisho uma kwenzeka ukubuyiswa kwemali yokuqala yaleli umboleki liyadingeka ukukhokhela izitolimende zenyanga kuze kuze inkokhelo egcwele kuqinisekisiwe.

Ukuze ukwazi ukuthola imali yakho emuva?

Buyela isithakazelo isivuno sisiningi kakhulu ngoba befuna imbuyiselo ekuseni imalimboleko - hhayi kuphela imali ukuthi ikhasimende yasebhange unelungelo lokuthola kusukela inhlangano uma Ukuvalwa nisebancane yesikweletu.

Phakathi kwabo:

• Imali ekhokhelwa isevisi kanye nokuvula i-akhawunti (uma lo muntu obolekayo akabhaliselanga isivumelwano);
• ikhomishini izocubungulwa loan (uma lo muntu obolekayo akabhaliselanga isivumelwano);
• izinkokhelo umshwalense uma inkontileka kubo futhi engakaze ezikhishwe;
• empeleni overpaid inzalo loan;
• nezinye ezifihlekile ezindlekweni ezengeziwe.

Uhlobo oluvame kakhulu izinkokhelo zenyanga

Ngokusho lolu hlobo zokuhlala kanye isikhungo sezezimali umuntu wemvelo noma womthetho sithembisa ukukhokhela nani njalo ngokuqinile. Kuhlanganisa kokubili izinkokhelo ku buyiselo ezikweletini kanye nesithakazelo izinkokhelo kanye nezinye izindleko. izinkokhelo ezinjalo zibizwa ngokuthi annuitant, inzalo ukubuya uma ukubuyiswa kwemali ekuseni imalimboleko kulokhu efanele kakhulu.

Into wukuthi izinkokhelo ezinjalo ekuqaleni kwesikhathi zinokuningi kwezinhloso zenzuzo, kunokuba esikweletini uqobo. It kuvela ukuthi e-mortgage abolekise amashumi eminyaka, umbhangqwana wokuqala zeminyaka, umboleki kwenza cishe amaphesenti, kusale yena izikweletu ezivelele.

Kubalulekile futhi ukwazi ukuthi ifomula ekhethekile kufanele sisetshenziselwe ukubala lesifanele inzalo kubhadalwa kwemali yemphesheni, kodwa amabhange amaningi nje ukwehlukana isithakazelo wonyaka 12 kanye Imiphumela umphumela izibopho nyangazonke, okuyinto eqinisweni ephakeme ukwedlula izibalo zangempela ku amaphuzu ambalwa.

Amanga-annuity

Abaningi banomuzwa wokuthi ukubuya nasithakazelo loan ukubuyiswa kwemali ekuqaleni kuyoba izinto eziphawuleka kakhulu lapho ukhokha loan zase zihleliwe izinkokhelo. Iqiniso lokuthi izinkokhelo ezinjalo ikhokhwe inani sokukhokhwa wonke amacala, okusekelwa futhi izinkantolo. Empeleni akunjalo. Ngo ukubuyekeza eningiliziwe ukubala ukukhokhelwa impesheni ngoba isikhathi pay ngamunye, kuyacaca ukuthi ukubala isithakazelo wenziwa ngokuhlukile ngayinye ngenyanga edlule kokusebenzisa imali. Lokho akukho zindleko ngokweqile kusengaphambili ku indlela yokukhokha ayikho.

ekuseni imithetho ukubuyiswa kwemali

Ngokuya inkokhelo yemali ukubuya nasithakazelo loan ukubuyiswa kwemali ekuseni - eziyinkimbinkimbi futhi kukhathaza, kodwa ucabangela ubukhulu ukubuya kungenzeka imali, inqubo kuyazuzisa yini ngempela. Amathuba ukwamukelwa isicelo sokubuyiselwa imali kwaba esiphezulu, kufanele ngokuqinile zonke izimo buyiselo kwesikhathi. Ekuqaleni, udinga nasi isixwayiso sesikweletu isifiso lokuqala ngokukhokha iba izikweletu zayo. Kungcono ukukwenza ngokubhala noma online, uma ithini ebhange. Lokhu kulandelwa:

• engeza lemali edingekayo kwi-akhawunti yenhlangano, ethola irisidi;
• ukuthola isiqinisekiso ebhaliwe ulindele ukubuyiselwa yona iphelele esikweletini, futhi akukho izibopho ebhange.

Qalisa zokugcina kuphela ngenyanga emva kusungulwa lonke inani ngqo esikhungweni sezimali.

Banikezwe imigomo yenkontileka, ngemva zonke izinyathelo ezingenhla, ungafaka isimangalo imali izimali overpaid. Ekuqaleni, isikhungo credit, bese uma kwenzeka ukwehluleka enkantolo.

izindaba zomthetho

ukubuyiswa kwemali Early imalimboleko, ukubuya isithakazelo, umkhuba zokwahlulela, njengoba umthetho, cabanga ngesisekelo imiyalezo Imininingwane sihluke etinkantolo letiphakeme. Ekuphetheni yabo inzalo phezu ukubolekisa abhekwa Imali ukusetshenziswa insiza, futhi ngenxa yalokho, kufanele kwenziwe esikhungweni credit kuphela inkathi lapho imali e kulahlwa ikhasimende yasebhange. Ngakho, imfuneko yokukhokha amacala for isikhathi lapho loan isivele ukusikhokha, kuhlanganise ngaphambi kwesikhathi, futhi akukho emthethweni.

Kubalulekile futhi ukwazi ukuthi ngisho noma uma umbhalo yesivumelwano phakathi kwebhange iklayenti esungulwe kuvinjelwe ukubuya isithakazelo, isikhungo credit ayeyobe esakhulekela kulelo edingekayo ukubuyela izimali nge isitatimende okuhambisanayo yomthetho. Ngaphezu kwalokho, isikhungo sezezimali kumele ngaphansi kwazo zonke izimo ukuba afeze zokubala kabusha eminikelo etholakele buyiselo zakuqala ezikweletini.

Ngenxa yalezi ezicashile wezomthetho ukusebenza ohlangothini umboleki, kuphephile ukuzijayeza sibhekane nezinhlupheko ngendlela credit izikhungo ku ukubuya izimali overpaid kubo.

Indlela ukunquma ubukhulu ngokweqile?

Ukubuya nasithakazelo loan ukubuyiswa kwemali yokuqala kungenzeka izobalwa ngezindlela ezimbili. ukubala okuningi kukhathaza kubhekwa nangokunquma umehluko phakathi kwawo womabili imifula annuitant. Ngakho, lo muntu obolekayo ukuze kunqunywe umehluko phakathi imigomo yamanje annuity ngaleso sikhathi samanje kucutshungulwa loan futhi izimo okungase zethulwe kuye uma sisebenzisa loan nje isikhathi esifitjhani lapho ukuze uthwebule yokukhokha ekuseni. Lolu hlobo ukubala kuyaqabukela kunakwe by abameli, futhi kungaba efanele kuphela uma wokuqulwa kwamacala ezinkantolo zesifunda ngemibandela inikezwe.

Ngokuvamile, inkokhelo eyenziwe ngendlela lula, okuyinto uyakucabangela futhi abameli. Kuhlanganisa zokubala kabusha ezilinganiselwe amacala for eside yesivumelwano. Ukuze wenze lokhu, thina ukubala umthamo yazo zonke abaliwe isikhathi amaphesenti sivumelwano.

Ngemva kwalokho:

• ukubala inkathi enkokhelweni loan futhi esikhokhiwe accrual;
• isamba sazo zonke isithakazelo yahlukaniswa eside loan futhi nande ngenani izinkokhelo ikhokhwe kakade.

Umphumela sibalo kuyoba nenani okufanele usikhokhele kwenkathi ukusetshenziswa kwezimali ebhange. Umehluko phakathi inombolo engokoqobo futhi etholwe kubalwa ngokweqile lapho kungadingeka kusuka isikhungo credit. Okungafanele aphanjaniswe izibalo ezimele, ungasebenzisa wokubala loan, okumelelwe-domain yomphakathi.

umehluko wemisindo nemiqondo yamagama ukubuyela

izilinganiso Independent akuzona njalo olunembile, ngoba abasebenzi asebhange ungaqhubeka zihlanganisa izinkokhelo undocumented owengeziwe umboleki. Ngakho, ukubuya zenzuzo buyiselo zakuqala imali-mboleko mortgage kungaba yezinye izibalo, lapho tibalo self-ibalwa nje okuyisibonelo.

Kubalulekile ukuqonda ukuthi ukubuya isithakazelo esikhathini lapho imali kwaba ngo ukusetshenziswa umboleki, akunakwenzeka, ngoba leli nani ikhokhelwa ebhange, futhi ivikelwe umthetho ohlangothini izinhlangano credit.

Lapho kucatshangelwa konke okungenhla akufanele basheshe ne izibalo kanye anqume ukuthi bukhona yini e bayavumelana ukuthi kungenzeka buyiselo zakuqala ezikweletini.

ukulandelana izenzo

ukubuyiswa kwemali Early imalimboleko ku Savings Bank, ukubuya isithakazelo lapho kungabuye kwenziwe ngaphansi komthetho, okufanele athathe indawo ngokuhambisana nayo yonke imigomo yenkontileka. Kungenjalo, ibhange ungavula isimo umusa, ngakho ngaphambi kokuqala noma imuphi ekuqhutshweni engcono ubonane lukachwepheshe ofanelekayo futhi simazi kangcono imiphumela yovivinyo kakade ukusebenza yabanye.

Ngemva kwalokho, kumelwe ulungiselele isitatimende esibhaliwe mayelana inkantolo. Ngokomthetho, uma inani ingxabano idlula ruble ayizigidi 100, isicelo kumele kubhekwe kakade emahhovisi esifunda. Futhi, isikhungo credit kufanele pre-saxwayiswa inhloso ukufaka icala. Kwezinye izimo, amabhange uvumelana izimangalo umboleki, futhi zonke izinkinga ziyaxazululwa ngaphandle ukubandakanywa izinkantolo.

Imithetho ekubhaleni izitatimende

ukubuyiswa kwemali Early imalimboleko ku Savings Bank, imbuyiselo ingaqondile ngamaphesenti angu, kwenziwe ukulungiswa isicelo ifomu fixed enhlanganweni. Kwezinye izimo, izisebenzi abonakele umane lenqabele ukunikeza ikhasimende ifomu oyifunayo, bese isicelo ungalotshwa ifomu khulula. Uma yokwamukela lasho amazwi anjalo futhi sinqatshiwe, kumelwe ubheke bhukwana kanye ucele ikhophi ukwamukelwa kwabo zokudalula nge uphawu ukwamukelwa kanye nosuku.

Ukubuyisela inzalo uma ukubuyiswa kwemali ekuseni imalimboleko, isicelo liyadingeka aqukethe:

• idatha Passport ka lomuntu ofake isicelo;
• yonke idatha ye nesivumelwano sokubolekwa;
• Inombolo ye-akhawunti, okuzokwenza idluliselwe ngokweqile.

Isicelo ngempela isicelo futhi ikhophi kwesivumelwano sesikweletu. Sikhuluma-nje izitatimende okukhulunywa ngokuvamile kuphele izinsuku ezintathu okungenani.

Ibuyisa inkokhelo eyengeziwe

Ngaphezu ababoleka isivuno sisiningi kakhulu khona isithakazelo ngokuvamile zitholakala phakathi kwalabo izinsizakalo zikhokhelwa ngabo, okuyinto bengasebenzisi futhi musa ubhalisele ngaphansi ngezimfanelo zawo.

Lezi zihlanganisa:

• yasebhange mobile;
• umshuwalense, nokunye.

Zona isevisi yasebhange singacinywa noma nini, kanye nesitatimende umboleki, futhi uma inkokhelo yabo kwahlanganiswa Imali nyangazonke, ibhange ubophekile ukuba recalculate bese ubuyela izimali iklayenti ke uma kunesidingo.

Kubalulekile ukwazi ukuthi ngisho noma ngokungazi usebenzisa amasevisi isikhathi kuyodingeka bakhokhe. Futhi, ukukhanselwa akukwazi uhlobo oluthile ikhomishini - sokukhishwa imali loan futhi akhawunti yesondlo, ngoba izimo ejwayelekile zonke izinhlobo izinkontileka.

isiphetho

Qiniseka ukuba ngilidlulisele ebhange zosizo lwezimali, funda imigomo yayo. ukubuyiswa kwemali Early imalimboleko, ukubuya isithakazelo, kubhadalwa kwemali yemphesheni, ukubuya inkokhelo eyengeziwe - konke lokhu imiqondo ngempela eziyinkimbinkimbi, okuyinto kufanele ngokucophelela alungise. Yiqiniso, inikezwe usayizi cishe inqubo amanani buyafaneleka ngokugcwele.