Xa uthenga indlu, into ekufuneka siyazi ngaphambi kokungena kuyo yile Iindidi ezahlukeneyo zobambiso asinikwa yimarike kunye nendlela ekufuneka sizicele ngayo kwiibhanki. Kubaluleke kakhulu ukuba wazi, ngaphambi koku-odola, zithini iimpawu zale mveliso, kunye ne izibonelelo kunye nokungalunganga kolu hlobo lobambiso.
Kuya kufuneka ukhumbule ukuba enye ye ezona zinto zibalulekileyo uya kuzenza ebomini bakho, kukutyikitya ubambiso kwaye kufuneka wazi yonke into enxulumene nabo. Ngaphandle koko, kuya kufuneka uzame ukuba unolwazi olungcono kunokuba unakho malunga namaxabiso kunye novavanyo ukwenzela ukuba ungabinangxaki kwixa elizayo.
Ngenxa yobunzima bayo kunye nenani lezinto ekufuneka zithathelwe ingqalelo kwiimpahla ezibambekayo, besifuna ukukufundisa ukwazi yonke into ekufuneka uyazi malunga nabo. iimpawu zobambiso ngalunye, kunye nezibonelelo ezibonelelwa ziibhanki.
Zeziphi iimali mboleko ezikhoyo ngokwenqanaba labo lenzala
Imali mboleko yexesha elimiselweyo
Ese Uhlobo lwemali mboleko yeyona mveliso ithandwayo kule marike kwaye kungenzeka ukuba ibe yeyokuqala ukunikezelwa ukuze iqondo lenzala yakho lingatshintshi kule minyaka idlulileyo; Oku kuthetha ukuba isixa semali esifanayo kufuneka sihlawulwe ngalo lonke ixesha sinobambiso. Kuba inamancedo amaninzi, yi uhlobo lobambiso lwabantu abaninzi nangakumbi abanalo nyaka ngamnye. Ezi ntlobo zemali mboleko-nzala esisigxina zikwimfutshane kakhulu ekuhambeni kwexesha, kuba kufuneka zihlawulwe kuphela kwiminyaka engama-20, ngokungafaniyo nemali mboleko yesiqhelo enokusebenza ukuya kuthi ga kuma-40.
Umyinge wemali mboleko eguqukayo
Umgangatho wobambiso olwahlukileyo yenye yezona zinto zibekiweyo zibambekayo. Kule meko, izavenge ekufuneka zihlawulwe rhoqo ngenyanga ziyahluka ngokujonga ireferensi yobambiso. E-Spain, eyona inobunzima kwaye uninzi lweebhanki zikhokelwa yi-Euribor.
Ukuba sijonga uluhlu lwezinto obambise ngazo kweli lizwe, uninzi lwemali mboleko ihambelana nolu hlobo lobambiso lubambekayo, ekubeni kuphela yi-7% inzala emiselweyo.
Umyinge wemali mboleko
Kwizinga elibanjisiweyo lobambiso, zombini inzala kufuneka yaziwe, kuba zombini zidityanisiwe. Kule meko, inzala emiselweyo nengaguqukiyo yenza ukuba inzala yemali mboleko ihluke ngokusekwe kwisalathiso se-Euribor okanye ngenzala esisigxina onokuthi uvumelane nebhanki oza kuthi ufumane kuyo ubambiso.
Iimali-mboleko ezahlukeneyo ngokodidi lwezavenge abazibonisayo
Ukongeza kwinqanaba lenzala, xa kuziwa Fumana imali-mboleko kwibhanki yakho oyithembileyo, kuya kufuneka uyazi iimboleko ngohlobo lwesavenge. Ezi zezona zibambiso ziphambili ngokubhekisele kuhlobo lwezavenge ekufuneka zaziwe. Kuya kufuneka ucinge ngaphambili xa ukhetha eyona ikulungeleyo, ukongeza kuvavanyo lwemeko yakho yangoku. Ukuba awuqinisekanga ukuba uhlobo lwentlawulo yokubambisa ekufuneka uyifumene, unokunxibelelana nebhanki yakho ethembekileyo eya kuthi ikwazi ukucebisa olona khetho lulungileyo.
Iindidi zobambiso kunye nezinto eziluncedo nganye
Ulungelelwaniso lwemali mboleko
Enye yezona zinto zibekiweyo zibambiso ngabantu Bafuna ukufumana imali mboleko yobambiso zizinto ezibanjisiweyo Olu hlobo lobambiso, intlawulo yenyanga nganye isekwe kwinxalenye yomdla nakwenye indawo yenzala eceliweyo. Xa uqala ukuhlawula olu hlobo lobambiso, umdla uphezulu kakhulu, nangona ixesha lihamba, imali yenyanga eza kuhlawulwa iyehla, ngokusekelwa ekuhlawulweni kwenqununu.
Emva kweminyaka emininzi, imeko ibuye umva ngokupheleleyo kwaye abantu baphela behlawula imali encinci kakhulu, ukongeza ekubeni ubuninzi bemali mboleko sele ihlawulwe.
Obolekiso ngezavenge
Ezi Ubambiso lwemali mboleko oluxhobileyo lolunye uhlobo lobambiso kwimfuno ephezulu kodwa kunzima ngakumbi ukufumana. Kolu hlobo lwezavenge, kuya kufuneka kuthathelwe ingqalelo ukuba inani elifanayo lenzala liya kuhlala lihlawulwa, nokuba kwenzeka ntoni kumdla wangaphandle okanye kutshintsho kuqoqosho. Nangona kunjalo, inenxalenye engathandekiyo kwaye leyo isekwe kutshintsho lwenzala yangaphandle, isixa semirhumo ekufuneka sihlawulwe ukuba bayatshintsha.
Iimali-mboleko ezinesitokhwe sokugqibela
Kwelinye icala, imali mboleko enezavenge zokugqibela zezi Ubambiso lwemali ekuhlala kuyo imali eyinkunzi ekucelwa ukuba ihlawule kwintlawulo yokugqibela yemali mboleko ihleli. Esi sixa-mali sinikwa ngokusekwe kwi-30%. Ezi ntlobo zobambiso azithandwa kangako, kuba intlawulo enkulu yokugqibela iyafuneka kwisavenge sokugqibela ukuba, ukuba asinayo loo mali, inokubangela iingxaki zobugwenxa okanye ungaphulukana nendlu ukuba awunayo imali. isekiwe.
Ukunyusa imali mboleko yezavenge
Kulo ukonyusa imali mboleko yezavengeKufuneka kuthathelwe ingqalelo ukuba ipesenti iyakhula ngokuhamba kweminyaka kwaye inyuka njengoko inzala itshintsha. Luhlobo lwekhredithi yempahla ebanjiswa ngabantu kuba ingenazibonelelo zininzi, kodwa ineendleko ezininzi.
Inzala-kuphela yobambiso
Este Uhlobo lwemali mboleko ayaziwa kakhulu eSpain nangona isenziwa ngabantu abavela kwamanye amazwe ukuza kule nto. Apha, inyanga nenyanga kuphela kuhlawulwa inzala kwaye akukho nto ithotyiweyo kwixabiso elipheleleyo lendlu; Nangona kunjalo, zakuba zigqityiwe inyanga nenyanga, isixa esipheleleyo senqununu kufuneka sihlawulwe okanye ungakhetha ukuthengisa indlu ukuze uhlawule elo tyala.
Iimali-mboleko ezahlukeneyo ngokodidi lwepropathi kunye nobambiso lomntu
Kukwakho nemali ebolekisiweyo ebhalwe umntu ngamnye kuhlobo ngalunye lomntu okanye izinto ezibambekayo kuhlobo lwepropathi. Ezi ntlobo zobambiso zithandwa kakhulu ngabantu esele bezamile ukufumana imali mboleko kodwa benqatshiwe.
Ubambiso ngokusekelwe kuhlobo lwepropathi ofuna ukuyithenga. Ezi ntlobo zobambiso zisetyenziselwa ukuthenga imigangatho yebhanki okanye imigangatho yokhuseleko esemthethweni ekwabizwa ngokuba yi-VPO. Olu hlobo lobambiso lusetyenziselwa ukuthengwa kwempahla yasezidolophini okanye iimpahla zeerustic. Zisetyenziswa ngakumbi kwimeko zobambiso zokuthenga umhlaba okanye ukufumana ikhaya lokuqala xa zininzi izinto ezinokubakho. Ngamanye amaxesha, banokusetyenziselwa ukuxhasa ngemali ikhaya lesibini.
Ubambiso lomntu
Kwimeko yokugqibela kwaye xa sinebhanki ixesha elide, sinokubuza uhlobo lobambiso lomntu ukuze ufumane indlu yamaphupha ethu. Ezi ntlobo zobambiso zinikezelwa ngokusekwe kwiprofayili yomntu oyicelayo kwaye kuzanywa ukuba imali yenyanga ibe yeyokuhlawulwa ngumthengi hayi eyokuchazwa yibhanki.
Yiyo uhlobo lobambiso olufunwa kakhulu lulutsha Ukuze ube nakho ukufumana ezona zabelo zixabisekileyo kwintengiso kwaye ukwazi ukujongana nezabelo nokuba umvuzo uphantsi.
Olu hlobo lobambiso unokulufumana fumana imali-mboleko kubantu abangabahlali ukuze bakwazi ukukhetha indlu ngaphandle kokuba imeko inyanzelekile.
Ngaphambi kokuthenga ikhaya
Ngoku ukuba uyazi ukuba loluphi uhlobo lobambiso olulungele wena, kuya kufuneka wazi ezinye izinto ngaphambi kokulucela.
- Yiba nokonga. Nangona iibhanki zihlala zixhasa i-100% yemali mboleko, iinkqubo ezenziweyo azixhaswanga zezi bhanki kwaye kufuneka ziqwalaselwe ukuze zingalahleki kamva.
- Kuya kufuneka sazi elona xabiso lendlu esiza kuyithenga. Kubalulekile ukuba wazi yonke into enxulumene namaxabiso kwindawo ofuna ukuyithenga, kunye nemirhumo yamagqwetha abhalisayo kunye nezinye izinto ezongezelelweyo, ukuze ube nombono ngokubanzi wemali ekufuneka uyicelile kwimali mboleko yakho okanye wazi ukuba ixabiso liphezulu kakhulu.ukude kunento onokuyihlawula ngokwenene. Ukwazi le 100% into ekufuneka uyenzile kukuvavanya uhlobo lomhlaba kunye nexabiso lezinye izindlu ezikuloo ndawo.
- Okokugqibela kwaye ukuze sifumane indlu kufutshane kangangoko amaphupha ethu, kufuneka unembali engenatyala, ukunqanda okungagqibekanga. Ukongeza, kunyanzelekile ukuba ube nemali yengeniso yenyanga ngokusekwe kwimirhumo ekufuneka ihlawulwe inyanga nenyanga.