Zininzi iindlela zokwenza iinkqubo zobambiso, ukusukela ngoku uthenga ikhaya kwaye uqale ukulawula intlawulo eyimfuneko ukuyigcina ngendlela eyiyo. Zonke iintshukumo, iintlawulo kunye nentshukumo oyenzayo xa uboleka imali yakho inokuhlelwa kwaye ichazwe njenge Imboleko yemboleko yobambiso.
Imboleko yobambiso zizinto ezenziwa ngaphakathi kwempahla yakho yobambiso efana utshintsho lwezemali okanye notshintsho lomntu ekubambiseni kobambiso. Oko kusizisa kumxholo esiza kuthetha ngawo namhlanje: Ukubolekwa kwemali mboleko.
Inkcazo yempahla ebambekayo yobambiso
Ngaphambili sikhankanye intsingiselo kunye nenjongo ye Imboleko yemboleko yobambiso, enokuba yeyiphi na isenzo okanye utshintsho kwisivumelwano sakho semali mboleko, kwaye phakathi koku kukubeka phantsi, okuchazwa njengokutshintsha okanye ukubuyisela umnini-mboleko yobambiso.
La Ukubolekwa kwemali mboleko ngokwayo inokwahlulahlulwa ibe ziindidi ezimbini ze-subrogations; Ukuzimela ngokuzimela komntu kunye nenjongo yokuzimela. Ezi zimbini, okwangoku, zithetha izinto ezahlukeneyo: Xa sithetha ngokuzimela ngokwakho, sithetha ukuba a utshintsho kubanini bemali-mboleko. Kwelinye icala, i-surrogacy yokwenyani ibhekisa kwinto yokuba a utshintsho lweempahla zobambiso.
Kukho ezinye izahlulo ezibini ezingaqhelekanga, kodwa zikwabalulekile ukukhankanywa. Zizinto ezizimeleyo ezahlulwe zangamacandelo amabini.
Ukunyanzelwa komntu onetyala:
Kolu hlobo lwe-subrogation, kuthiwa utshintsho lwenziwa kulowo unetyala. Inxalenye yentlawulo yepropathi yenziwa kuthathelwa ingqalelo iimpawu ezithile, njengaxa umthengisi enamatyala obambiso. Olu luhlobo lwakudala lokuzimisela.
Amatyala ambolekayo:
Yendalo ephuculiweyo, ethetha ngokuthatha imali-mboleko yethu kunye nokutshintsha kweebhanki. Olu hlobo lwe-subrogation lusinceda ukuba sithabathe imali yethu mboleko ebhankini esinayo, kwaye siyitshintshele kwibhanki yethu esiyikhethileyo ngenkqubo engqongqo. Oku kufanelekile kuba sizigcinela uninzi lweentlawulo ezingeyomfuneko kunye neerhafu kunye nobunzima njengokucima ubambiso, olungafunekiyo kulwabiwo lwetyala.
Kunye nalawo sele ekhankanyiwe, zikhona ezinye iintlobo zeemviwo apho umntu otyalwayo ethatha isigqibo sokuba aqalise. Olu luqikelelo lwentengiso, apho ukuthengiswa kwemali mboleko kwenziwa, ukuyigqithisa ukusuka ebhankini ukuya kwenye indlela.
Uwugcina njani umboleko wam?
Kukho izikhokelo apho zichaza inyathelo ngenyathelo malunga nendlela yokwenza ngokuchanekileyo imali yokubambisa ngento, njengaleyo yenziwa yi-Confederation of Consumers and Users, okanye i-CECU, apho banika khona imiyalelo eneenkcukacha kubantu abanenjongo yokwenza ibhanki. utshintsho okanye olunye uhlobo lwe Imboleko yemboleko yobambiso xa kulula, njengaxa i-Euribor ibuthathaka okanye iphantsi.
Ukuzalela umntu othile
Ukwenza utshintsho kwi iimeko zobambiso, oko kuthetha ukuba senza uhlengahlengiso olungatshintshiyo, kwaye ukuyifeza kufuneka siye ebhankini apho sibhalise ubambiso lwethu. Xa usenza i- Ukulungisa ingxolo, Singathetha ngotshintsho kwikapitali, utshintsho kwixesha lokuthenga ngento, inzala esiyiphathayo, iimeko zemali ezinje ngokuhlawula amatyala, iziqinisekiso ezizakutshintshwa, njalo njalo.
Ukubolekwa kwemali mboleko engaphantsi
Imali mboleko yasekhaya Banokuya kwi-subrogation ukuba sinqwenela, kuba ukufumana imali mboleko yokubolekwa kwemali akusithinteli njengabaxhasi ekutshintsheni izinto, kodwa singayithatha le mali-mboleko siyibeke kwenye ibhanki ukuba siyikhetha ngenxa yezona mfuno zilungileyo okanye olunye uhlobo yeemeko ezilungele ukhetho lwakho.
Inkqubo yokumitha umntwana wabanye abantu
El inkqubo yokuzalela umntwana umntu ongena endaweni yakhe Iqala xa sifumana ibhanki apho basinika ukuphuculwa okunje ngenzala esezantsi okanye ixesha elide, kulandelwa sisindululo esibhaliweyo ekufuneka sibonisiwe kwaye samkelwe. Ibhanki kufuneka yamkele, emva koko iyakwazisa iziko lokuqala ukuba umthengi unqwenela ukwenza i-subrogation, kwaye bayakucela ingxelo yemali eselityala umntu oselityala, ingxelo apho kuya kunikwa ixesha leentsuku ezisixhenxe zisiwe.
Guqula imali yakho mboleko amaxesha amaninzi
Utshintsho kubambiso lubekelwe umda, awungekhe uhambe usiya kwenye indawo uye kwenye utshintsha iibhanki nanini na ufuna. Oku kungenxa yokuba izithembiso ezenziwa ziibhanki kuwe ziyatshintsha, kwaye ukuba ityala lakho lokuthenga ngempahla libanjiswe kaninzi, izibonelelo zabo zinokwehla ngakumbi nangakumbi.
Kusenokwenzeka ukuba ibhanki eqale ngempahla yakho mboleko ikwenze ube Isindululo sokubala Okwangoku bafumanisa ukuba ucwangcisa ukwenza into yokubambisa, oku ukuze uthelekise okanye uphucule isithembiso osinikwe yibhanki entsha kwaye ubonise ukuba banomdla kuwe wokuhlala naleyo bhanki kwaye ungatshintshi. Kule meko, sisigqibo somthengi nokuba angahlala kwibhanki yangoku okanye atshintshe into.
Iingcebiso zempumelelo yokuBanjiswa kweMboleko-mali
Emva kokuchaza konke oku kungasentla, ngoku siyayazi indlela Intsingiselo yokubambisa, Siyayazi inkqubo ekufuneka siyilandele xa sinomdla wokutshintsha i-bhanki kunye neendlela ezinokuthi zisabele ngayo kwimeko enjalo. Kodwa uqala phi kanye kanye? Yenziwa njani ngendlela elungileyo? Emva koko siza kukunika iingcebiso ezifanelekileyo zokuqhuba Ukuhanjiswa kwempahla yakho mboleko ngokuchanekileyo nangokulula.
Uqala ngaphi?
Akusoloko kulungile ukwenza ezi ntlobo zotshintsho, kuba oku kungakhokelela kwixabiso eliphezulu kakhulu ukusukela kwiibhanki, ukuphulukana nabathengi yeyona nto inokwenzeka. Khumbula ukuba imali mboleko yakho yeyakho, kwaye akufuneki ubuze ebhankini imvume yokuyitshintshela kwenye ibhanki. Gcina ukhumbula ukuba ukuze ibhanki entsha ikwamkele, kuya kufuneka uhlawule ubuncinci iminyaka emithathu yobambiso kwibhanki yemvelaphi.
Iintlawulo ezongezelelweyo
Ukwenza isibonelelo semali mboleko asisimahla. Khumbula ukwenza izibalo kwangaphambili ukuze ixabiso lokugqibela lingakoyiki, kuba utshintsho lwebhanki lunokubangela amaxabiso aphezulu.
Ikhomishini yokuzalela umntu omnye umntu
Kukho umthetho othintela iibhanki ekuhlawuliseni ezinye iikhomishini ngaphakathi kwembambano yokubambisa, ikhomishini ekufuneka ingagqithi kwi-0,5% kwiminyaka yokuqala ebolekiweyo, emva koko akufuneki idlule kwi-0,25%.
Ukubanjiswa kwemali mboleko kwenzelwe iimfuno zoqoqosho okanye ukulungiselela, ibhanki inokusinika inzala engcono kwaye ke sihlawula kancinci. Kodwa kukwakho neemeko apho sikhokelwa kuphela ngumahluko omtsha osinika wona, kwaye asithathi ngqalelo zonke iinkonzo ezongezelelweyo zokuqesha kunye neinshurensi esisinyanzelo esiyibekwe yibhanki.
Khumbula ukuba imithetho ye-subrogation iyatshintsha, ke qiniseka ukuba unolwazi malunga neemfuno kunye neemeko ezifunwa ziibhanki ukuba zenze olu hlobo lokubambisa ngento, konke oku kuthintela ibhanki ukuba ingakothusi ngemithetho yomzuzu wokugqibela ubungazi kwaye iinjongo zakho zokumkela umntwana ziyekwe.
Izinto ezibolekiweyo ezixabiso eliphantsi kunye nexabiso eliphantsi lenyanga kaMeyi 2017
Emva koko siza kukhankanya ezinye ze Uninzi lwemali mboleko eguquguqukayo yakutshanje oko kunokuba ngumdla kuwe, uvela kwiibhanki ezibonelela ngezibonelelo ezinomdla kunye nezemali.
- I-Liberbank, kunye ne-Kutxabank, njenge-ING ngqo ziibhanki ezibonelela ngemali mboleko enexabiso eliphantsi, elinomdla ongaphantsi kwe-Euribor 1%.
- Ubambiso lweorenji, olunomdla kwi-1,99% ye-TIN, iphantsi nje kwezo zangaphambili kwaye yenye yeebhanki ezibonelela ngexabiso eliphantsi lemali mboleko kwintengiso yangoku.
- IBanco Sabadell kunye neActivoBank zibonelela ngenzala ye-2.20% kunye ne-1.59% ngokwahlukeneyo. Oku kubonisa ukwanda kwenzala ebebeyinikela ngaphambili.
Isiphelo
La Ukuhanjiswa kwempahla Singayenza ngeendlela ezahlukeneyo, kuxhomekeke kukhetho lwethu kunye neemfuno zemali. Umntu ngamnye uthatha isigqibo ngendlela aza kulusebenzisa ngayo uhlobo lokukhutshelwa kwakhe, kunye nolunye uhlobo lokubambisa ukungabambisi apho sinomdla khona.
Khumbula ukuba awuwedwa, kwaye awunguye wedwa okwimeko apho ubona kungekho ndlela yakuphuma. Soloko uye ebhankini uze ubuze ngalo naluphi na uhlobo lwamathandabuzo onawo, abasebenzi baya kukuvuyela ukukunceda basombulule nayiphi na into onayo malunga nokuvalwa kwempahla ebolekiweyo, amaxabiso enzala kunye nentlawulo.
Ayisiyiyo le kuphela, kodwa kukwacetyiswa ukuba ujonge rhoqo kwi-intanethi imeko apho izinto ezahlukeneyo zifunyanwa njenge-Euribor, amaxabiso enzala, kunye namanye amanani anokukunceda uthathe isigqibo ngebhanki ofuna ukuyiboleka imali mboleko yakho yobambiso. , kunye nezindululo zokubolekwa kwemali mboleko kunye nezibonelelo abazinika abathengi babo kunye neemfuno eziyimfuneko zokwenza utshintsho kunye nokuvalwa kwempahla ebanjisiweyo.