1. Musa ukuthatha igama
Xa uboleka ebhankini, kubalulekile ukuba uhlole yonke into eyenziwa ngabasebenzi bebhanki. Ngokomzekelo, uthembisa umboleko nge-13% ngonyaka, kwaye kamva kuvela ukuba inzala echaphazelekayo, oko kukuthi, isantya esithatha ingqalelo kwaye idibanisa zonke iindleko ibhanki ezithathayo ekusebenziseni mboleko, 25% okanye ngaphezulu. Isilinganiso esisebenzayo sineengqungquthela zee-commissions ezityalwa ngebhanki malunga nokuqwalaselwa kwezicelo, ukuvula i-akhawunti, ukugcina i-akhawunti, iinkonzo zomshuwalense, ukudluliselwa kwemali kwi-akhawunti. Kwaye konke oku akunakukwazi ukuthetha, kwaye kuya kuthululela kumawaka eeruble. Ngokuqhelekileyo la manani, ababolekayo banokubona kuphela xa betyikitya isivumelwano. Yingakho kubaluleke kakhulu ukucela ukuvakalisa kwangaphambili inani lezinga lokugqibela lomyinge kunye nokwenza ishedyuli yokuhlawula - ibhanki kufuneka yenze.
2. Ukuqinisekisa ingozi enkulu
Xa uthatha imali mboleko enkulu, njenge-mortgage okanye imali eqinisekisiwe yi-real estate, ibhanki idla ukuba ipropati ibe yinshorensi. Kufuneka ufumane inkampani yomshuwalense eqinisekisa ukuba ininzi enkulu yemingcipheko ngeemfuno eziphantsi. Inkontileka ye-inshorensi ibonisa ukuba yiziphi iimeko ezingekho yinshuwalense. Funda lo mhlathi ngokucophelela. Unokucinga kwakhona nge-inshurensi xa kuncitshiswa emsebenzini, ukukhubazeka ngenxa yokugula okanye ingozi.
3. Wenze ibheyili
Ukuba uceliwe ukuba ube ngumgcini-mboleko ngembolekiso, kwaye awukhathazi ukukhanyela, ufunde ngokucophelela. I-guarantor ngumntu obangela izibophelelo kwi-credit card yomnye umntu. Okokuthi, ukuba umbolekeki akakwazi ukuzalisekisa izibophelelo phantsi kwe mboleko, awela phantsi kwamagxa e-guarantor. Lo ngumthetho-yobugcisa. 361 yoMthetho woLuntu. Ungayifumana njani intengo "yokungafuni ukukhutshwa"?
Ewe, umgcini-mbola unelungelo lokubuyisela imali yakhe kamva. Kodwa, njengokuba kukho ukubonisa, kunzima kakhulu. Kule meko, umthwalo wemali-mboleko engaxilwanga iya kulala kuwe, kwaye uya kunikwa ilahleko lempilo. Ngokwemfundiso, xa umgcini-mboleko ehlawula umboleko, unokufaka ityala kumntu okhohlisayo ongenalucalulo "ekusebenziseni" kwaye afune impindiselo kuye kuyo yonke ilahleko awayebandezeleka ngenxa yakhe. Ngexesha elifanayo kunye nebango, unokufaka ifowuni kwinkundla ukuba ubambe ifa kunye nepropati yomboleki.
BTW! Ukuba umgcini-mboleko ngokwakhe uya kuthenga imali-mboleko kwi-bhanki, umbuzo-mboleko weboleki uya kubonisa ukuba unesiqinisekiso. Kwaye oku kuya kukhokelela ekubeni xa ucinga isicelo, ibhanki iya kunciphisa inzuzo yomntu ngemali yenyanga yokuhlawulwa kwemboleko, apho waqinisekisa.
4. Ukuqulunqa ngokugqibeleleyo amaxwebhu
Ukuba unetyala, thabatha ingxaki yokuqulunqa isivumelwano. Umgaqo osisiseko "wamatyala akhuselekileyo" kukufumaneka kwefom efanelekileyo ebhaliweyo. Oko kukuthi, kufuneka ujongane nokudweba izivumelwano zemboleko kunye neerithi. Khumbula ukuba kufuneka usebenzise zombini amaxwebhu. I-risithi iqinisekisa kuphela into yokudluliselwa kwemali, kunye nesivumelwano - imvume yemibutho yokudlulisela imali kwi-matyala, kunye nemigqaliselo yokudluliselwa. Ngokomzekelo, isivumelwano sibonisa umdla, inqanaba lokutshintshana ngosuku lokubuya, ukuba uboleka ngemali yangaphandle, kunye nezinye izinto ezihamba phambili. Nayi apha idatha yepaspoti yomboleki kunye nomboleki.
Isivumelwano somboleko siya kufuneka sikhutshwe kwangaphambili, kwaye iirisithi, ngokuchaseneyo, kufuneka ibhaliwe ngexesha lokutshintshwa kwemali. Kufuneka iqulethe ulwazi malunga nobani obolekisayo ukuba ngubani, ngeliphi ixesha, liphi na inani kunye nexa ukuhlawulwa kwetyala kulindelwe. Bobabini amaxwebhu anokukhutshwa ngefomu yamahhala, kwaye umbolekisi angabenza ngokuzimela. Nangona kunjalo, ukwenzela ukuba ungabandakanyi iimpazamo kunye nokungahambi kakuhle, kuyinqweneleka ukuphendulela uncedo lommeli. Kwakunyanzelekile ukuba kuqinisekiswe amaxwebhu ngumbhali wencwadi, kodwa kufuneka uwazi ukuba amaphepha angabhalwanga enkundleni aphikisana kakhulu kunokuba angaqiniseki.
Ukuba uboleka, umzekelo, ukusuka kumntu wabucala, ngoko ke uphinde udwebe amaxwebhu ngokucwangciswa kwesi sikimu esingentla. Amaphepha aphethwe ngokuchanekileyo anesiqinisekiso sokuthi awuyi kufunwa ukuba ubuyisele imali kwangaphambili okanye ungayifuni inzala. Xa kuziwa mboleko yebhanki, into ephambili kukubona ukuba kukho inkohliso engcolileyo kwisivumelwano esinikwe ukuba usayine. Umzekelo, into evumela ibhanki ukuba iguqule unilaterally imimiselo yesivumelwano. Ukuba ufunda isivumelwano kwaye awukwazi ukuqonda ukuba yintoni, unokucela ukuba ibhanki ibe isikhumbuzo somboleki. Ibhanki ephambili inyanzelekile ukuba yonke ibhanki ibambelele loo memos, apho ipeyinti kwiingongoma, ezifanele ziqwalaselwe kwingqesho.
5. Thatha okungangoko unako ukunika
Kwaye ukuqonda ukuba unako ukunika le mboleko, kufuneka ubale ukuba yiyiphi imali yokugqibela eya kuba. Ungalibali ukucela igosa lebhanki ukuba lipapashwe isicwangciso sentlawulo kwimboleko. Ibonisa inani lentlawulo yenyanga, imihla ofuna ukuhlawula ngayo intlawulo, kunye nenani elipheleleyo. Buza ukubala ukuba uya kuhlawulwa ngaphaya kwemali mboleko, kwaye ucinge ukuba uyayidinga. Kungenzeka ukuba unakho ukuthenga umboleko ngethuba elifutshane, okanye uza kukwazi ukuhlawula ngokukhawuleza (kule meko, ukuhlawulwa kwemali kuya kuba ngaphantsi). Ezinye iibhanki zihlawulisa inzala eyongezelelweyo yokuhlawulwa kwangaphambili, kwabanye - akukho nto.
6. Musa ukuthenga ityala elincinci
Iimboleko zemali ezingenakuncedo kumbolekayo zizinto ezilula ukuzifumana. Ukuba uthembise ukuboleka imali yesigqithi seyure, kwaye nangaphandle kwama-guarantors, kunye namaphepha amabini ngesandla, ngoko umyinge womyinge mboleko uza kuba phezulu kakhulu. Enye i-zamanuha - umnikelo wokuqala we-0%. Ngokuqhelekileyo kufumaneka kwiivenkile zecomputer kunye nezambatho ezibizayo zangaphandle. Kubonakala kuwe ukuba inenzuzo kakhulu, kodwa ngokwenene inzala yenzalo efanelekileyo kwimali-mboleko ihamba kwi-30-50% ngonyaka. Kwibhanki, umboleko wale mali ungathathwa ngenomdla ophantsi. Akunakunceda ukufumana imali mboleko kunye neenkonzo ezingenakunyuka kwixabiso: kwiholide, ukuthengwa kwezindlu, ukuthengwa kwemoto ... Kuyafana nokuchitha imali kumakhadi-mboleko ukuba awukwazi ukuvala ityala ngexesha lobabalo (ngokuqhelekileyo leentsuku ezingama-30-60). Nangona kunjalo, ngokubala okulula kumakhadi-mboleko, unokufumana.
7. Lungela iingxabano
Ngesinye imeko ebomini obunzima kwaye singakwazi ukuhlawula ngaphezulu kwemboleko, musa ukufihla. Qiniseka ukuba uyazisa umnini-mboleko ngokubhaliweyo ngeemeko kwaye ucele ukuhlawulwa kwembuyiselo. Oku kubalulekile xa umbolekisi engakuhlangabezanga, kodwa uya ngqo enkundleni. Ijaji iya kubona ukuba unyanisekile kwaye uzama ukusombulula ingxaki, kwaye inokwenzeka ukuba iya kuma eceleni kwakho. Emva koko unokufuna ngeentlawulo zentendelezo okanye ukuhlawulwa kwetyala. Ukuba ngumbuzo wetyala phantsi kwe-mortgage, kunokwenzeka ukuba ubhale ingxelo kwi-restructuring yamatyala. Iibhanki zijongene nale mibuzo, kodwa inzame ayifumananga. Ukuba umntu onetyala kufuneka azame ukusungula ishedyuli yokuhlawulwa kwetyala kwiindawo malunga nokuhlawulwa kwamatyala kwiinkonzo zezindlu kunye noluntu okanye izingozi zemoto. Ngelo xesha, kuya kuba kuhle ukubonisa ukuba awuzami ukugwema ukuhlawulwa kwamatyala ngale ndlela - ngenxa yoko unakho ukuhlawula ngokukhawuleza inxalenye yetyala.
8. Musa ukubeka umngcipheko wokugqibela
Into engenangqiqo ukuboleka kwibheyili yezindlu kuphela. Ngokukodwa kwintlekele, xa naliphi na ixesha unako ukuyeka ukusebenza. Imali egcinwe yipropati ngokubanzi ayinakunceda. Umzekelo oyisisiseko ngumgca we-pawnshop. Unika amacici ngesiqingatha sexabiso langempela, kwaye uthenge phantse kabini. Ngamanye amaxesha ukuhlukana nomendo kuwe kuyinto ebi kakhulu kunokuba ungathengi amatyala-ukulahleka kwempilo kaninzi kuvela apha.
9. Gwema amatyala
Ukuba kukho iingxaki zokuhlawulwa kwetyala, ibhanki inokudlulisela imali mboleko kubaqokeleli - abaqokelelwa ngamatyala obugcisa. Ngeebhanki, abaqokeleli basebenzela iikomishoni (15-40% yetyala eliqokelelwayo), okanye ngokuthenga ipakethi yokungabikho kwembuyiselo evela kubhanki. Ngokuqhelekileyo ilungelo leebhanki ukudlulisela imali mboleko kumntu wesithathu imiselwe kwisivumelwano semboleko. Kodwa ukuba akukho nxalenye injalo kwisivumelwano, ngoko ibhanki ayinalo ilungelo lokudlulisa ulwazi malunga nawe kumqokeleli. Emva koko, ibhanki ibophekile ukuba igcine ulwazi olufihliweyo malunga nabaxhasi babo, ingeniso yakhe, ingakumbi malunga neengxaki zokuhlawula mboleko. Ngoko funda isivumelwano ngokucophelela ngaphambi kokusayina.
10. Faka isicelo kwinkundla
Ngokuqhelekileyo, "baphoswa" ababolekisi okanye ababolekayo amalungelo abo aphulwa yibhankini, ngokubanzi abafuni ukuya enkundleni. Abanye baciniseka ukuba ubulungisa abukwazi ukufezwa enkundleni, abanye bayesaba ukuphazamisa ubudlelwane, ngelixa abanye bafuna ukugcina kwiindleko. Okwangoku, kwiinkalo ezininzi zetyala, inkundla yindlela kuphela ephucukileyo kunye nefanelekileyo yokusombulula ingxaki, nangona ukuba unamaphepha ayenzelwe kakuhle kunye nexesha ngaphakathi kweenyanga ezi-3-5.
BTW! Iindleko ummangali oza kuhlawulela iinkonzo zommeli zifunyanwa kwiqela elilahlekileyo.