Ngokuqhelekileyo ibhanki idonsa abantu abaneemeko ezibolekileyo zemboleko, xa ngokukhawuleza unokufumana izindlu zakho. Ngexesha elifanayo, abacebisi banokuthobeka ngokukhawuleza malunga nokuba yiyiphi imboleko yempahla, ziphi iimpawu zayo, kwaye yintoni umngcipheko wokulahlekelwa kokubili kwezindlu kunye nemali etyalomali. Ngaphambi kokuba uthathe imali mboleko, akusiyo ingqiqo ukuba uqale uhlolisise imimiselo yemali mboleko mboleko kwiindawo ezininzi zemali.
Iyintoni imboleko kwaye isebenza njani?
Igama elithi "mortgage" libolekekile kumaGrike, ekuguquleleni lithetha "isibambiso". Nangona ufunda iziphakamiso zeebhanki, akubona bonke abantu abakhokelwa yindlela umboleko osebenza ngayo. Xa usenza isigqibo malunga nomba wemali, ezinye iibhanki nazo ziqwalasela ingeniso yengeniso yentsapho, ukuphatha umyeni okanye umfazi njengababoleki. Iskimu se-mortgage silula:
- Umxhasi uthatha imali ebhankini kwaye ngokukhawuleza kubalwa, idiphozithi ihoxisiwe, kwaye indlu okanye imoto iba yipropati yakhe.
- Ukuba umthengi akakwazi ukuhlawula, ipropati isetyenziswe ukuthengiswa, inxalenye yenkcitho iyacinywa ityala, ingqalelo inzala.
Iyiphi indlu yokuboleka imali?
Ngokuqhelekileyo abantu bathatha imali-mboleko yokuthenga indlu, kwaye iibhanki ziya kudibana ngokuzithandela. Le ngenye yeenkonzo ezigqithisiweyo zebhanki-mboleko yokubolekwa kwemali. Yintoni ekulingayo kwi-mortgage mortgage? Ibhanki iphakamisa indlu ngokukhawuleza, kwaye kungekhona xa yonke imali ihlawulwa. Ukuba sithetha ngezindlu zokuthenga imali, kuyafaneleka ukuba kusenokwenzeka ukubala ixesha elinjalo:
- ingaba kuya kubakho ukuhlawula iinyanga ezifunekayo kwiminyaka emininzi;
- nokuba unakho ukuhlawula ibhanki ukuba ulahlekelwa ngumsebenzi wakho.
Xa usenza isigqibo sokuba ngaba ubole umbolekisi okanye cha, ibhanki iqwalasela ukuba ngaba umthengi uya kuba nako ukunika umrhumo wenyanga ofunekayo, ngoko ke indima ephambili idlalwe ngumvuzo, kuphela iifom ezisemthethweni ziqwalaselwa. Amanye amaziko emali athatha ingqalelo kunye neengeniso ezongezelelweyo, okwandisa amathuba ombolekayo, kodwa akubona bonke abathengi abavuma ukuvakalisa le mali.
Iyintoni imali yokuthenga imali?
Kwamazwe amaninzi, urhulumente udibana neentsapho ezidinga izindlu, iiprojekthi eziphuhlisiwe kunye nemboleko mboleko. Yiyiphi imali yokuboleka imali kwisiseko seenkqubo zoluntu kwaye unelungelo lokuthatha inxaxheba:
- Imigca yezindlu ezingafumaneki phantsi kwemiqathango yokuthengisa imali.
- Abantu abalinde kumgca wokuphucula indawo yabo yokuhlala.
- Iintsapho ezinkulu.
- Abagqwesileyo kwiinkedama.
- Abasebenzi bebhilijethi.
Urhulumente unikela abantu abanjalo mboleko ngemimiselo ekhethiweyo, enika imali yokuthenga imali. Isigqibo esisisigxina sebhanki, ukuba intsapho ayinayo ingeniso ezinzileyo eya kuvumela ukuhlawula imali mboleko, ngoko iziko lemali linelungelo lokunqaba. I-mortgage mortgage iquka iinkqubo zemikhosi yemikhosi kunye neentsapho, kuzo ezo zimo zokubonelela ngemali ehlawulwayo:
- Ukuhlawula iMpi . Ibhanki ibonisa imali eyayiqokelelwa kwi-akhawunti yegosa, ngakumbi ukuthengwa kwezindlu. Amanye ahlawulwa nguRhulumente.
- Ukuboleka imali kwiintsapho ezincinci . Kubo, urhulumente uhlawula isahlulo sesithathu semali. Kukho iimeko ezibini ezibalulekileyo:
- ubudala - kungekhona ngaphezu kweminyaka engama-35;
- kufuneka ime kumgca wefulethi.
Iintlobo zemali
Iingcali zinemizekelo emininzi eyaziwayo:
- Kwi-real estate.
- Kwindlu okanye indlu yelizwe.
- Kwizindlu.
- Kwizakhiwo ezintsha.
- Kulo gumbi.
- Kwindlu.
Ukubolekwa kwezindlu ezikwimibini yezindlu - ukusetyenziswa kweebhanki ezininzi, amaxabiso - ukusuka kwi-8 ukuya ku-15%. Kukho iintlobo ezahlukeneyo zokuboleka imali, ukuhlukelwa kuphela kumnikelo: ukususela kwi-10 ukuya kwi-50%. Ababolekisi bafunda ngokucokisekileyo umxholo wesibambiso kunye nemeko yemali yomboleki kwaye bangenqaba ukuba:
- Izindlu zithengwa kwiintsapho;
- emva kokufa komnini wangaphambili, kwinyanga ezintandathu;
- Umboleki unabantwana abangaphantsi kweminyaka eyi-18;
- Omnye wabanikazi beentsebenziswano akuvumelekanga.
Amabhanki alumkele kakhulu imeko yezobugcisa zesakhiwo, xa kuthengiswa imali yokuthengwa kwezindlu. Ngako oko, amathuba okuba baya kunika imali kwihostela kwindlu yokuhlala, uhlobo lwehotele okanye kwihostele lincinci kakhulu. Ukugqoka kwindlu ayikwazi ukudlula iminyaka engama-55. Ubume bendawo kufuneka luhambisane nemidwebo yeBTI. Ngoko ke, ukuba kukho uphuhliso, ibhanki inelungelo lokwenza umyalelo wokumisela ukutshintshwa okwenziweyo.
Ngaba kufanelekile ukuthatha imali?
Imali ebolekayo yokuboleka imali ixhomekeka ngokuthe ngqo kwizinga lokumisa inzala. Kucingelwa ukuba imimiselo yokubolekwa kwempahla, xa idizithi iyancitshiswa, kuba inzala kwimali iyancishiswa. Kodwa iibhanki ezininzi ziqwalasela zonke iimeko, ngoko ke inkontileka iqulethe inani elikhulu, ngaphezulu apho inzala engenako ukuphakama. Ukuba unethamsanqa, ibhanki inokukhupha imali yokuboleka kwintengo, kodwa akusiyo inhlanhla yonke, kungekhona.
Iinkonzo ze-mortgage
Iintlobo zentengo yokubolekwa kwemali yinto yokuba iifumaneke ngokukhawuleza. Ungayisebenzisa kwakhona le fomu yenkxaso karhulumente, njengembuyekezo yokulungiselela umdlalo. Wonke umntu unelungelo lokuncitshiswa kwentlawulo yepropati, elibuyisela imali, kwaye ihlawulise inzala. Kanye ngenyanga, inani lentlawulo yengeniso kumvuzo wabaxumi libuyiselwa.
Ukufumana elo thuba, kuyimfuneko ukungeniswa kwinkonzo yerhafu ngonyaka:
- amaxwebhu onelungelo lobunini;
- isenzo sokwamkelwa nokudluliselwa;
- ulwazi malunga nokuhlawulwa kwemali mboleko.
Iingxaki zomhlalaphantsi
Imveliso yalo mboleko iyabonakala, kodwa kukho iimeko ezingonakaliyo, eyona nto iphawulekayo kukuhlawulwa kwemali mboleko. Ngenxa yokuba umbolekiso uhlelwe iminyaka emininzi, isixa sinokubonakala. Kukho iinkalo ezimbi:
- Awukwazi ukuthenga okanye ukuthengisa indlu, ubhalise amanye amalungu omndeni.
- Ukuba akukho mali yokuhlawula, ibhanki inelungelo lokuthengisa indawo yokuhlala.
- Akuvumelekile ukurenta indlu.
Yiyiphi enye into engcono - umboleko okanye mboleko?
Ngokuqhelekileyo abantu bayanqikaza: yiyiphi imali ebolekayo okanye mboleko? Impendulo ilula kakhulu: mboleko inenzuzo kakhulu kumthengi, kwaye imali yokuboleka imali ibhanki. Imboleko yokuboleka imali ibeka imingcele ekusebenziseni izindlu, xa kwenzeka ukuphula umthetho lowo umboleki-mali angayiphula isivumelwano kwaye afune ukuhlawulwa kwetyala lonke. Futhi ngemboleko ngaphandle kokubambisa kunokwenzeka ukuthengisa indlu nokuhlawula umbolekisi, akuvumelekanga ukulahla impahla. Ngoko ke, impendulo iyabonakala, kodwa isigqibo somthengi sincike kwiimeko ezininzi.
Yiyiphi enye into engcono - umboleko okanye mboleko?
Ngenxa yokufuna iimfuno zomthwalo wemali, abathengi abaninzi bakhetha ixesha elide, bexakeka phakathi kwemali mboleko kunye nemboleko. Kwaye bahlala bekhetha ukuthanda okokugqibela. Into eyona nto kukufumana abagcini bemali, ingeniso engenani enye ekufuneka ingabi ngaphantsi kweleyo yomboleki. Ziziphi iingenelo zezindlu zokubolekwa kwezindlu?
- Indlu iya kudlula.
- Thatha indlu leyo ibhanki ayisakwazi.
Yintoni oyifunayo ukuba uthathe imali?
Ukwenza imali, kufuneka ulungiselele iphakheji efunekayo yamaxwebhu. Umboleki-mali angaphinda afune amaxwebhu angaphezulu kwiimali-mboleko, ii-photocopies zeepassports zamalungu entsapho. Ababolekisi kunye nabanamantyi nabo babonisa iikopi zeefomathi. Emva koko, yintoni imboleko? Le mboleko yexesha elide kwibheyili. Ngoko ke, kufuneka unikeze isicelo sokuthenga imali, i-questionnaire yebhanki kunye nekopipiyo:
- iipaspoti;
- isitifiketi somshuwalense we-inshorensi yomhlalaphantsi ka-
- ikhowudi yokuchonga;
- ithikithi lempi lamadoda amadoda okudala;
- amaxwebhu kwimfundo;
- isitifiketi somtshato okanye umtshato;
- izatifikethi zokuzalwa zabantwana;
- incwadi yomsebenzi, eqinisekisiwe ngumqeshi;
- maxwebhu e ngeniso.
Ngaba kunokwenzeka ukubuyisela imali yangaphambili ngaphambi kwexesha?
Ngamanye amaxesha abantu bathabatha imali mboleko ngenxa yengeniso enkulu, eya kuhlawula imali mboleko ngaphambili. Amabhanki akuvumela ukuba uhlawule imali yokubolekwa kwemali kwenye yeenkqubo.
- Hlukile. Umlinganiselo wonke wenzala kunye nenqununu ibuyiselwa kwizabelo ezilinganayo, ngelixesha apho isivumelwano sikhona. Olu khetho lunenzuzo kakhulu kumboleki, kuba zombini amatyala kunye nomdla uyahla ngxeshanye.
- Ukuhlawula. Okokuqala, inzala ihlawulwa, kwaye ngoko-inxalenye eyintloko, indleko yemboleko ingakhokhelwa kuphela emva kokufumana inzala. Inomdla ithathwa ingqalelo kwixesha elipheleleyo le-mortgage.
Ukuze wenze intlawulo yesantya kwangoko, kufuneka ubhale isicelo kwiziko lemali kwiintsuku ezingama-30. Kuyafaneleka ukufundisisa amanqaku malunga nama-premium yomshuwalense, kuba umthengi unelungelo lokubuyisela imali ye-inshurensi, kodwa ingasetyenziswa. Oku kungafaka isicelo kwiimboleko zombini kunye nezinto. Emva kokuhlala ngokupheleleyo kunye nebhanki kufuneka uthathe isatifikethi sokuthotyelwa ngokupheleleyo kwiimfanelo.
Indlela yokubuyisela inzala kwi-mortgage?
Bambalwa abantu bayazi ukuba umthengi unethuba lokubuyisela inzala kwimali mboleko, ukuba uyasebenzisa inzuzo enjalo "njengenzuzo yokuxothwa kwerhafu". Into ephambili kukubonisa ukuba injongo yokuboleka imali yithengwa yendlu. Emva koko umbuzo ngokubuyiselwa kwenzalo emva koko kulandelwa lula. Sebenzisa eli thuba livunyelwe kanye kuphela. Ziziphi iimeko ezingenayo inzuzo?
- Ukuba umnini wezindlu uhlala phantsi.
- Ukuba izindlu zathengwa ngumrhwebi oshishino.
- Ukuba umthengisi kunye nomthengi banxulumene nolwalamano oluhlobene okanye olusebenzayo.
Kubalulekile ukufakela amaxwebhu kunye nomhloli werhafu, isigqibo sokubuyisela imali sithathwe kwinyanga. Yintoni ekufuneka ibe ngamaphepha aphambili?
- umqulu onelungelo lobunini bendawo yokuhlala;
- isenzo sokwamkela nokudlulisa indlu;
- isivumelwano sokuthengisa;
- isivumelwano somboleko semali mboleko;
- ikopi yamaphepha okuhlawula, apho ukuhlawula inzala ebhankini.