Ngaba isibambiso esichasene nemboleko-mali sifanelekile? Fumanisa

Isibhambathiso

Imigaqo efana nesiqinisekiso, i- mortgage… yaziwa kakhulu. Noko ke, kukho owesithathu Asinguye wonke umntu ovileyo: isibambiso. Ngaba ukhe weva ngaye?

Ukuba awuzange uve eli gama, kodwa ufuna ukwazi ukuba kutheni kuhambelana nala manani esiwakhankanyileyo (kwaye ukuba kunokwenzeka ukuba uzuze kwimali-mboleko, i-mortgages, njl.), siya kuphuhlisa isihloko esingezantsi.

Yintoni isibambiso

Umahluko nge-mortgage

Isibhambathiso, okanye isenzo sesibhambathiso, asiyonto enye ngaphandle kwesenzo sokunikela okanye ukuthembisa nge-asethi, enokususwa okanye engenakushenxiswa.

Umzekelo, khawube nomfanekiso-ngqondweni wakho ufuna imali-mboleko kwaye kufuneka ubambisa ngesithuthi onayo. Ewe, eso sithuthi (imoto, isithuthuthu...) sithenjiswe isiqinisekiso sentlawulo, ukuze, ukuba uyasilela, omnye umntu okanye iqumrhu liya kuyigcina loo asethi (kuba ulahlekelwa ngokwenene bubunini ngelixa usibambisa).

ESpeyin, isibambiso silawulwa yiKhowudi yoLuntu, ngokukodwa ngamanqaku 1863 et seq.

Ii-asethi ezinokuthenjwa

Njengoko sikuxelele Kwingqikelelo yesibambiso, kukho iindidi ezininzi zee-asethi ezinokuthi "zibanjiswe." Nangona kunjalo, abaninzi abacacanga malunga noko bangaphezu kwe-real estate kunye nepropathi yomntu (kwaye kuyimfuneko ukuqonda ukuba yintoni enye yazo ibandakanya).

Ke, ukwenza kube lula kuwe, ii-asethi ezamkelweyo ukuba zithenjiswe zezi zilandelayo:

  • Ipropati: izindlu, indawo, iindawo zokusebenzela, iigaraji...
  • Izithuthi: iimoto, izithuthuthu kunye nezinye iintlobo zezithuthi (amaxesha amaninzi zihamba ngeemoto).
  • Utyalomali: isitokhwe, iibhondi, iipotfoliyo...
  • Iiakhawunti zebhanki: Ziyamkelwa, nangona ingaqhelekanga.
  • Amatye anqabileyo: Aziqhelekanga nokuba zizibhambathiso, kodwa zamkelwe.

Gcina ukhumbule ukuba ukwamkelwa okanye ukukhanyelwa kwezi zinto kuya kufuneka kugqitywe liqumrhu othethathethana nalo, ekubeni ngamnye unoluhlu lwezikhokelo kunye neenkqubo.

Umahluko phakathi kwesithembiso kunye nesiqinisekiso

Yintoni enokwenziwa isibhambathiso

Emva kokubona umbono wesibambiso, kunye nokuwuqonda, ngokuqinisekileyo kuye kwavela amathandabuzo malunga nokuwunxulumanisa nesiqinisekiso. Ngapha koko, ziyafana. Nangona kunjalo, akunjalo ngokwenene.

Ngelixa ukwenza isibhambathiso sisenzo sokubeka i-asethi (enokususwa okanye ayinakususwa) njengesibambiso (oko kukuthi, njengesibambiso ukuze bakwazi ukukunika imali-mboleko okanye into efanayo); Kwimeko ye-avala, kukuba umntu (okanye i-asethi) uqinisekisa ukuhlawulwa kwetyala lomnye umntu. Oko kukuthi, loo asethi asiyoyakho, ngokungafaniyo nento eyenzekayo xa kufikwa kwisithembiso.

Ngapha koko, unokucinga kwakhona malunga nombono wokubambisa, kuba isondele kwisibambiso. Kwaye yintoni umahluko okhoyo? Ewe, kwimeko ye-mortgages, i-real estate kuphela yamkelwe, kodwa kungekhona ipropati yomntu.

Izinto eziluncedo nezingeloncedo ngokwenza isibhambathiso

Isibambiso yinto esetyenziswa kakhulu kwicandelo leebhanki, ngakumbi kwiimali-mboleko ezithile. Nangona kunjalo, ayisiyonto zonke iibhanki ezithetha ngayo kwaye kwabaninzi kufuneka uphakamise umxholo ukuze bakunike yona.

Nangona kunjalo, inyaniso kukuba ineenzuzo ezininzi, zombini enye kunye nenye. Uyabona, kwimeko yomntu otyalwayo, izibonelelo zokuthembisa ziya kuba:

Ukutshintshelwa kwesikhundla sepropati eshukumayo okanye eshukumayo. Koko kukuthi, Ibekwa njengesibambiso, kodwa ilawulwa ngumbolekisi. Oku kwenziwa ukwenzela ukuba elinye iqela lingakwazi ukuliba, ukulimaza, njl. Kwaye ke, ukuba ikhontrakthi yaphulwa, inokuthengiswa ngokuthe ngqo kwifandesi yoluntu.

Le asethi ayinakuhluthwa ngamanye amaqela esithathu. Oko kukuthi, ngexesha kubanjiswa ngalo, akakho omnye umntu onokuthatha i-asethi ngaphaya kombolekisi.

Kwimeko yeqela elinyanzelekileyo, nangona lingabonakali ngathi, kukho iingenelo: ithuba lokufumana ikhredithi okanye imali-mboleko onokuthi, kungenjalo, ungayi kukwazi ukuyifumana. Ukongeza, iindleko zokuseka isiqinisekiso siphantsi kunelo mboleko.

Ayilunganga kangako into yokubambisa

Njengayo yonke into, kukho okuhle kunye nokungalunganga, kwaye ekuthembiseni uya kudibana neengxaki. Eyona nto ixhaphakileyo inento yokwenza nelahleko yaloo asethi ngelixa imali mboleko iqhubeka. Oko kukuthi, ubunini bepropati buyalahleka de ityala lihlawulwe ngokupheleleyo.

Ngokusisiseko, yeyona ngxaki inkulu oza kudibana nayo.

Ixabiso?

kufanelekile ukwenza isifungo

Emva kwayo yonke into oyifundileyo, mhlawumbi ngoku uyazibuza ukuba ingaba isibambiso semali mboleko okanye into efanayo siyayixabisa na. Ukuthathela ingqalelo ukuba iindleko ziphantsi kakhulu, iingcali aziyicebisi le fomyula ukuba kukho ezinye iindlela ezinokwenzeka.

Kwaye into yokuba, ngelixa isibambiso sihlala, kufuneka ushiye i-asethi njengesibambiso, ngaphandle kokukwazi ukuyisebenzisa, kwaye ngaphandle kokuba uyenzile ngokwakho, oku kudla ngokukhokelela kwiingxaki kunye nezithintelo.

Kwakhona, ukuba awuhlawuli, usemngciphekweni wokuphulukana naloo mpahla ngokupheleleyo.

Njengoko ubona, isibhambathiso ngumbono ekufuneka ucace gca ngawo, ngakumbi kwiinkqubo ezithile zebhanki, ukuze wazi ukuba yintoni kanye abayicelayo kuwe kunye nento onokuyibuza kumaqumrhu. Ngaba wakha wayiva?


Yiba ngowokuqala ukuphawula

Shiya uluvo lwakho

Idilesi yakho ye email aziyi kupapashwa. ezidingekayo ziphawulwe *

*

*

  1. Uxanduva lwedatha: UMiguel Ángel Gatón
  2. Injongo yedatha: Ulawulo lwe-SPAM, ulawulo lwezimvo.
  3. Umthetho: Imvume yakho
  4. Unxibelelwano lwedatha: Idatha ayizukuhanjiswa kubantu besithathu ngaphandle koxanduva lomthetho.
  5. Ukugcinwa kweenkcukacha
  6. Amalungelo: Ngalo naliphi na ixesha unganciphisa, uphinde uphinde ucime ulwazi lwakho.