Ezona simulators zilungileyo zemali mboleko esinokuzifumana

Abalingisi bamatyala

Umhlaba esaziyo kwaye sihlala kuwo namhlanje ulawulwa phantsi kweeparamitha zoqoqosho zazo zonke iintlobo, ezizezona zisisiphumo sehlabathi jikelele kuqoqosho lwehlabathi kwiminyaka yakutshanje. Ke, iikhredithi namhlanje sisixhobo esiphambili kubomi bomntu wonke. Kule meko, uninzi luya kucinga ukuba ayicetyiswa ukuba iboleke kwiibhanki okanye kwezinye iintlobo zamaziko emali, ikakhulu ngenxa yomcimbi onxulumene inzala ephezulu kunye neekhomishini ezikuhlawulisayo kwimali mboleko.

Nangona oku kuyinyani ngendlela ehambelana nayo, kuyacaca ukuba thina bakudidi oluphakathi sifuna ukungena amatyeli amaninzi emali mboleko Olu hlobo luza kukwazi ukusombulula izibophelelo zemali zeentlobo ezahlukeneyo, kodwa ngaphezulu kwako konke, iiprojekthi uninzi lwamaxesha ezifuna utyalomali oluphezulu kunye nohlahlo-lwabiwo mali esingenako ukuhlawula ngalo mzuzu omnye uye komnye.

Olu hlobo lweemeko lubonisa kakuhle isidingo esifunwa yinxalenye enkulu yabemi mboleko zebhanki, ezibaluleke kakhulu ukuba zikwazi ukuqala ishishini okanye ukufihla kwangaphambili kwezinto ezibalulekileyo, ezifana nekhaya okanye imoto.

Ngala matyala asenza ukuba siqwalasele ukubaluleka kokulawula iimveliso zebhanki, ukuba senza imbali yamatyala esinokuqinisekisa ngayo kwimali mboleko yethu yexesha elizayo, kuba asizukuhlala sikwazi ukubala solvency eqinisekisiweyo yezoqoqosho esivumela ukuba sijongane nayo nayiphi na into ethe yavela ngesiquphe, okanye kwelinye icala, sisebenzise ithuba lokudala ishishini okanye iprojekthi esivumela ukuba sizimele geqe emsebenzini.

Kuyinyani ukuba injongo ayizukuxhomekeka kwikhredithi, kodwa inyani ekufuneka siyamkele kulo mba kukuba ezi nkonzo kungoku nje zizixhobo ezigqwesileyo zokujongana nokuzibophelela nokusebenzisa amathuba oshishino.

Ngesi sizathu, nje ukuba sithathe i- isigqibo sokuqhubekeka ngemboleko mali ukusombulula naluphi na uhlobo lokuzibophelela okanye iprojekthi Okuza kuthi, kubaluleke kakhulu ukuba sithathele ingqalelo izinto ezithile kunye neempawu kwihlabathi liphela lemali mboleko, oko kuthetha ukuba ukwenza izicwangciso ngononophelo malunga nendlela esiza kuyityala ngayo imali kwaye ngaphezu kwako konke, siza kuyihlawula njani imali ebolekiweyo, oko kukuthi , Hlalutya ukuba iintlawulo zenyanga nenyanga okanye izavenge ziphakathi kokunokwenzeka kwethu kwezemali kwaye ayingonobangela wovalo kubomi bethu bemihla ngemihla. Enye yezona ndlela zibalaseleyo zokukwazi ukufezekisa le njongo ngaphandle kwengxaki kukuya kubalingisi bemalimboleko ekwi-Intanethi

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Iimodeli zokuthenga izinto zobambiso

Kweli phepha sinokufumana inqanaba elinoluhlu olwahlukileyo lokukhetha ukufaka iikhredithi ezikhawulezayo, iimali mboleko zakho, iikhredithi ezincinci kunye nenkxaso mali yemoto. Eli phepha likunika ezilishumi kwezona zikhetho zibalaseleyo kwiimarike zokucela iinkonzo zezezimali kuyo nayiphi na kwezi ndawo, ukuyenza ibe sesinye sezixhobo ezilungileyo zokufumana iimali-mboleko kunye namatyala kwi-intanethi.

"Isimulator semali mboleko yaseRankia"

Enye into elungileyo kakhulu yokuyiboleka imali esinokuyifumana kwi-intanethi yi-rankia, ekubonelela ngoluhlu lwezona mboleko zibalaseleyo kwiibhanki zaseSpain.

Apha unako linganisa zonke iintlobo zemali-mboleko, ukusuka kwiikhredithi zeemoto, iziganeko ezingalindelekanga zohlobo oluthile okanye nokucwangcisa uhambo. Ekuphela kwento ekufuneka uyenzile ukubala kunye nokuthelekisa intlawulo yemali mboleko yakho kukufaka ulwazi olusisiseko kwikhalityhuleyitha yakho, njengenjongo yemali mboleko yakho- enokuba yeyokulungiswa kwamakhaya, ukudibanisa amatyala, izifundo, imicimbi engalindelekanga, ukuthengwa kwesithuthi okanye nohambo-, isixa semali osifunayo kunye nexesha lokubuya, onokuzibekela inani elithile leenyanga.

Kuya kufuneka ufake nenqanaba lakho lengqesho-elingaxelwanga, elethutyana, elizimeleyo, elingaqeshwanga, elidla umhlala-phantsi, elomhlala-phantsi, njl. Kwangokunjalo, xa kubalwa kufuneka wongeze umvuzo wakho wenyanga, idatha yobuqu, ubudala, kunye nento ebaluleke kakhulu, cacisa ukuba ngaba ukuluhlu lwabatyholwa njenge-RAI okanye i-ASNEF, kuba kumaziko amaninzi emali oku kunokuba sisigqibo idatha xa unika uhlobo oluthile lwetyala.

Ngokunjalo, kweli phepha uya kuba nakho ukujonga iintlobo ezahlukeneyo zeziko lokugcina imali, kwitafile apho ulwazi luboniswa khona olukuvumela ukuba uthelekise idatha ebalulekileyo enje ngenqanaba lenzala okanye iikhomishini zokuvula ezibizwa kwezinye iimeko .

Ngokwedatha esiyifakayo ukucela ikhredithi yethu, injini yokukhangela ephepheni iya kusibonisa ezo zinto zilungele iiprofayili kunye neendlela zokukhangela, ezinokusigcinela ixesha elininzi xa sisenza oku kukhangela ngokukhawuleza, kunokuba sijonga enye nganye kwi-intanethi idatha kunye neempawu zamaziko emali.

Abalingisi bemali mboleko yekhaya

Ezona simulators zibambiso zibambekayo

Enye yeentloko ezinkulu uninzi lwabantu baseSpain abanengeniso ephakathi ekufuneka beye kuyo inento yokwenza ne ukufunyanwa kwekhaya. Kule meko, iimali mboleko kufuneka zicelwe phantsi kwemeko mboleko yokubolekwa kwemali, kodwa njengakwezinye iimeko, kufuneka icelwe nayo. uphando kunye nohlalutyo kwii-simulators ze-intanethi, ukuba nembono ecacileyo nechanileyo yohlobo lwemali-mboleko esinokufikelela kuyo kwaye kwangaxeshanye sihlangabezane neemfuno ezisisiseko kuhlahlo-lwabiwo mali.

Thatha ingqalelo izinto eziguquguqukayo njengesiseko njengesixa se ubambiso, ukwahluka kwe-Euribor, inzala nemali mboleko zinokuba zichaphazelekayo ekuchazeni intlawulo ephumeleleyo yemali mboleko yethu. Ngendlela eya kuthi singalibali ukwenza izicwangciso ngononophelo ngaphambi kokuba sisungule kwinkampani yokuthenga indlu okanye ipropathi, iimpahla eziphela zibonisa utyalo-mali olukhulu kwikamva lexesha elide.

Ngale ndlela, i iphepha "TWINERO" isinika isihlanu sezona simulators zibalaseleyo zokubolekwa kwemali ezifumaneka kwi-intanethi. Nabani na onomdla wokuthenga ikhaya kwikamva, ungathatha ukhenketho lwezi simulators ukuqala ukucwangcisa isicwangciso-qhinga sekhredithi esifanelekileyo kwimali yakho yengeniso kunye nengqesho. Imizekelo eboniswe kwiphepha ngolu hlobo lulandelayo:

Euribor.com

Ukuba sisixhobo esibonelelwa yi igosa elisemthethweni nelingathathi cala, Unokuqiniseka ukuba iya kujonga iimfuno zabasebenzisi ngaphambi komdla wezoqoqosho wenkampani yeentengo zemboleko, imeko leyo eyenzeka kwiimeko ezininzi zolu hlobo. Ke ngoko, le simulator ithathwa njengephepha lewebhu ekubhekiswa kulo ukubuza malunga nemali mboleko yezindlu.

Ibhanki yaseSpain yemalimboleko yesimulator

iimulators

Njengoko ikwiBhanki yaseSpain, le simulator yenye yeendlela ezinokuthenjwa ezinokusetyenziselwa ukufikelela kuphela kwimodeli yokubolekwa kwemali mboleko, kodwa kunye nezinye iinkonzo ezinje ukubalwa kwe-APR (ireyithi yokulingana ngonyaka) yemali-mboleko, kunye nokubalwa komdla osebenzayo okanye ulungelelwaniso olungephi lwemali mboleko, yiyo loo nto ithathwa njengeyona nto ibalaseleyo yokulinganisa iimali mboleko ezikhoyo ngoku kwintengiso.

Umlingisi weSimulator

Umlingisi we-Idealista yenye yezona zinto zigqibeleleyo esinokuzifumana kuba ukongeza kwiingcebiso malunga nokubolekwa kwemali, ikwasinika neenkonzo ezinje ngokudibanisa amatyala kunye nokubanakho ukuphucula iimeko zempahla yakho mboleko, enikezelwa ngenkxaso yobugcisa egqwesileyo kunye nenkonzo yabathengi.

Simularmortgages.com

Le yiwebhusayithi elula kakhulu ekukuphela kwayo kukubala iindleko zethu zobambiso, ngenxa yoko ayiphenduli kwimidla yamashishini abucala, ngenxa yoko sisixhobo esinokuthenjwa esinokuya kuso.

Uluhlu lwamatheyibhile.es

Este simulator elula Isivumela ukubala ukuhlawulwa kwamatyala emboleko mali, kunye nexesha eliza kuthatha ukubuyisa yonke imali mboleko.

Isiphelo

Iimodeli zokuthenga izinto zobambiso

Ngokuqinisekile, mboleko kunye neekhredithi zezinye zezinto esingathanda ukuziphepha sonkeNangona kunjalo, namhlanje loo njongo ayinangqondo kuba sikwimeko yezoqoqosho apho iinkonzo zezimali zolu hlobo zibalulekile kwaye zibalulekile ukuze sikwazi ukuqala iiprojekthi okanye sizalisekise izibophelelo ezithile ezihlala zibiza kakhulu.

Ngesi sizathu, asinakho ukubeka ecaleni ukubanakho ukusebenzisa ezi nkonzo ngaxa lithile, sikhumbula ukuba okoko nje sizisebenzisa ngokufanelekileyo, akunakulindeleka ukuba sibe neengxaki kwixesha elizayo.

Ke ngoko sebenzisa izifaniso zemalimboleko Isicwangciso esiliqili sokuqikelela ukuhlawulwa kunye neentlawulo ekuya kufuneka sizenze, njengendlela yokubala uhlobo lwemali mboleko elungele thina ngokwamandla ethu kunye neemfuno zemali.

Unolwazi nge Abalingisi beemali mboleko ezilungileyoEkugqibeleni, iyakusigcinela ixesha elininzi kunye nemali, kuba ukuba sinolwazi oluninzi nolungcono, singakuphepha ukuwela kwimpazamo yokuthatha imali mboleko ebiza kakhulu, esenza ukuba siwele kurhoxiso okanye emva kwexesha ekuya kuthi ekugqibeleni kuphele. Ukuchaphazela okuninzi kwimbali yethu entle yemboleko.


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