Ndingenza ukuthengisa indlu, bathenga-mboleko? Indlela ukuthengisa indlu, ebuhlungu ngenxa mortgage

Ngelishwa, akukho namnye kuthi omzimba ukusuka ngesiquphe ukuphelelwa ngumsebenzi, ukugula engalindelekanga okanye Ukongeza entsatsheni. Kubomi, oko kwenzeka iziganeko ebuhlungu yaye ndonwabile. Kwaye uthenge ngetyala ukuba kungekudala lwezindlu enqwenelekayo aya kuba ngumthwalo okanye engeyomfuneko.

Ndingenza ukuthengisa indlu, bathenga-mboleko? Siza kuzama uku bana phandle namhlanje.

Xa kufuneka kwentengiselwano?

Abasebenzi basoloko kufuneka ukuva iibhanki otyalwa kubaboleki zabo, "Ndifuna ukuba ukuthengisa igumbi mortgage, kodwa andikwazi ukuqala phi." Sale indlu, nto leyo eseliganiwe ebhankini, simanga kodwa kunqabile ukuba bakuthi. Noko ke, xa kusenziwa zebhanki mihla sele wadibana Kwiimeko ezinjalo. Umzekelo, umboleki afumene mortgage eflethini, ukuhlawula ngenyameko izityholo ngoku, kodwa ke, ngenxa yokuba kwezinye iimeko, wamthabatha indlu enkulu. Kule meko, ukuba ufuna kumthengi indawo abahlala ngoncedo a Realtor okanye ngokwabo.

Efunyenweyo zisetyenziselwa ukuba ukuhlawula imali-mboleko, kwaye intsalela iba isavenge sokuqala yentengo Lezindlu a ubukhulu obukhulu, kodwa isivumelwano semali-mboleko entsha. Imeko zinokuba nomahluko. Ukuba emva kwexesha elithile umthengi ebhankini, ufumane sokubambisa, ayikwazi ukuqhubeka ukuhlawula imali, ngoko lo mhlaba ejongwa umthengi efanayo. Sesikweni isivumelwano ukutshintshwa ematyaleni, kodwa kuphela ngemvume ebhankini. Umthengi unelungelo ukuthenga ipropati, kodwa luxanduva lwakhe ukuhlawula ityala lebhanki, ngamanye amazwi, kuba unetyala layo.

Kukho iimeko apho umthengi akanawo impahla nemali efunekayo ukuthenga indawo enkulu yokuhlala, kwaye uza kuthatha imali-mboleko. Le nkqubo inzima ngakumbi, kuba ibhanki kuya kufuneka ukuvuma candidacy wakhe, ukuhlola amandla alo zemali ukuqinisekisa bathwalwa iintlawulo zemali-mboleko.

Nokususa ipropati evela ebhankini

Ukuba umboleki ubonakele iimeko gqithi ukuba musa ukuvumela ukuba enze iintlawulo ngokupheleleyo, ibhanki unomdla ngokuyintloko ukuya kumkhawulela xa umba ukuphunyezwa izindlu zokuhlala. Ukuba umthengi kwezindlu alafunyanwa, ukumiselwa inikeza neqabane ethembekileyo esekhosi nabathengi yayo ukuze yenze yingisela. Nangona kunjalo, umboleki kufuneka baziqonde kakuhle ukuba athengise ngayo indlu, ubunzima kunye nezivumelwano zokubambisa. Le Okwenziwayo a non-esezantsi, ukuze oko kunokukhokelela ukwehliswa kwexabiso lentengo kwezindlu.

Ibhanki unomdla yinto yokuba mboleko sele lubuyiswe, kwaye akukho ntlawulo emva kwexesha. Xa umboleki ngenxa yezizathu eziliqela akakwazi ukuhlawula imali-mboleko, kodwa wavuma ukuba ndokuhlawula ngeendleko ukuphunyezwa indlu, iziko zemali, njengoko umthetho, ulidle ilifa izibambiso. Kuyenzeka enkundleni.

Ukuthengisa indlu, ibekwe mortgage, kunokwenzeka, ngaphandle kokuba iintlawulo kumthengi iya kuqhutywa nge ebhankini phantsi kweliso umqeshwa yesebe lokuthenga ngetyala. Le umyalelo nokwahlukanisa kwempahla, ibekwe isibambiso, ichazwe ngokwenkcukacha kwi umthetho yemali.

Imise iqhosha indlu ukuba ukunyanzelisa ezinye izithintelo ngokomyalelo eli lungelo esemthethweni.

Sijonge ukuba umthengi

Ukuba ufuna ukuthengisa igumbi, kuthengwe-mboleko, kufuneka uqiniseke ukuba ufumane imvume ebhankini. Xa sele yafumana imvume yalo, kuyimfuneko ukuba ukhethe icebo elilelona zentengiso.

Cinga iindlela nokudela kunokwenzeka

Kukho iindlela ezimbini yokuqhuba imicimbi enjalo. Yintoni eyona efanelekileyo kwimeko yakho - liya kwenza isigqibo ibhanki, umthengi kunye nomthengisi. Iindlela kwahluka kakhulu enye kwenye. Kubalulekile, xa kwaye phantsi kweziphi iimeko uzakususwa usisiqinisekiso welifa real - up ekubhalisweni kobunini okanye emva koko.

Kule meko yokuqala ebhankini uyavuma ukuba ukubuyisela umniniyo, uze kususa umthwalo. Ngenxa yoko, kangangexesha elithile, lo mortgagor ungumnini entsha kule ndlu - umthengi. Usa imali ezimbini leseli elinguvimba. Xa imali egcinwe, nto leyo ilingana intsalela ityala lebhanki, enye - inxalenye eseleyo. Imisebenzi kunye iiseli zibanjwa phantsi kweliso abasebenzi yebhanki leyo. Emva kokuba ubhaliso amalungelo obunini ukuba umqeshwa ukuba umke kwiseli "yayo 'eseleyo ityala aze anike umthengi uxwebhu kususwa encumbrances. Imali evela kwiseli yesibini sakwamkelayo umthengisi indlu. Kule ukuthenga lugqityiwe.

Ndingenza ukuthengisa indlu, ndathenga mortgage ngenye indlela?

Ewe, kukho olunye uhlobo lwe intengiselwano enjalo. Kwimeko yesibini, umboleki kufuneka idipozithi eseleyo kwi-akhawunti yebhanki ityala kunye nenzala yayo kwi-mboleko yangoku. Oku kwenzelwa ukuqinisekisa ukuba iziko zemali wabhala loo mali yaye wakhupha ileta eya mboleki ukuba izibophelelo zakhe kubo zenziwe, kunye nomthwalo yezezindlu waphakamisa.

Ukuza kuthi ga ngoku, le umthengisi unako ukwenza imvumelwano yokuthengiswa zokuhlala (data preliminary), emva kokugqitywa apho umthengi anike umboleki nale mali yayifuneka ukuze yokugubungela mortgage zabo. Ngenxa yoko, lo mboleki uya imali kwi-akhawunti yakho yebhanki phambi kokuba amaxwebhu afanelekileyo ukuze ubhaliso amalungelo obunini. Ukuze kunikezela phezu onke amaxwebhu ayimfuneko nokususwa encumbrances nerejista ikhontrakthi yentengiso inokuba ngamini-nye.

Le dili iseliswelekile, kodwa kunokwenzeka

Ngomhla umbuzo ukuba kunokwenzeka ukuthengisa indlu, bathenga ngawo mortgage, abasebenzi ebhankini ngokuqhelekileyo ukuphendula ukuba le ntengiselwano lula nje eqhelekileyo, kodwa kunokwenzeka. Ixesha, emva koko ukuphunyezwa kwayo ingasekwa yibhanki.

Namhlanje, kukho iindlela ezintathu, owosindiswa ngawo wena sithengise indlu yathenga phantsi mboleko. Ukhetho lokuqala - intengiso eyahlukileyo. Oku kubonisa elubala yentengiselwano imvume kunyanzelekile ukuba kwibhanki yakhe otyalwayo. Xa imvume ifunyenwe yaye ekugqibeleni wagqiba isixa setyala ngokwesivumelwano semboleko mfani-nye othengayo na. Kufuneka ube kubameli. Kumthengi koko uhlawula i-bank otyalwayo imali ukuba nomthengisi. Emva koko, kuba izandla zakho irisiti kunye nobungqina yokungabikho kwamatyala.

Kweli xesha umthengisi kufuneka ngokusesikweni abhalise kususwe encumbrances kwabasemagunyeni abachaphazelekayo kunye nokudluliselwa bobunini indlu ethengiswa. Kuya kufuneka abhaliswe kwaye isivumelwano sentengiso. Umahluko ngendlela phakathi mali ityala yibhanki kunye nexabiso kule ndlu zigcinwe ukhuseleko kwibhokisi yesibambiso uneemeko ukufikelela ethile.

Option yesibini - ukuba sithengise i-mboleko. Lubonakala ndaba zentengiso. Kubo imali-mboleko. Ngenxa yoko, nathi, kuya kufuneka ukuba afumane imvume ebhankini otyalwayo. Kulo mzekelo, unelungelo lokuba ukuvuma (okanye azasivuma) kwi candidacy lo mboleki entsha. Kuphela xa kukho yokuvuselela mboleko.

Ngokusemthethweni isivumelwano ukudlulisela ityala kumthengi ithatha isibophelelo uhlawule ityala. Kulo mzekelo indlu sisasetyenziswayo bathembisa ebhankini. Ukongeza, i-mboleko ngentlawulelo kunye neziko omnye mali evela kwenye (mboleko). Kodwa imisebenzi enjalo ngokuqhelekileyo madolw 'ukuba enze, ngenxa yokuba akanamdla ukulahlekelwa abathengi zabo.

Option Three - axoxe

Yindlela ethandabuzekayo kwiinkalo zonke. Ukufezekisa oku, kufuneka ukuba ufumane umthengi ofuna ukuhlawula le mali-mboleko phambi kwexesha. Fumana umntu onjalo kunzima. Ukongeza, kulo mzekelo, i-mboleko kufuneka ihlawulwe off kwangoko ngaphandle isohlwayo. Ukuba awuyazi ukuba athengise ngayo indlu ukuba mortgage, kubalulekile ukuqwalasela ukuba intengiselwano iya kuqhubeka kunye nalo indlu.

Eminye imiba enxulumene nokuthengiswa zokuhlala mortgage

Lidla ukunika zezindlu kudala-dala elindiwe kwaye abantu ezininzi iingxaki. Ngokubanzi, bahambisana kunye inguqu kwiimeko zokuphila, ukuphelelwa ngumsebenzi, ukungakwazi ukuyibuyisa le mali uyibolekiweyo. Ngokomzekelo, abantu abaninzi abanomdla umbuzo ukuba kunokwenzeka ukuthengisa indlu phezu mortgage emkhosini. Loo dili kunokwenzeka, kodwa ufumana kwisivumelwano kuyo, ebhankini eboleka kunye neSebe lezoKhuselo.

Namhlanje, uyazi, ukuba kunokwenzeka ukuthengisa igumbi, bathenga-mboleko. Siyathemba ukuba ingcaciso efunyenweyo iya kukunceda ukuphumeza intengiselwano enjalo ngokufanelekileyo.