Ngamanye amaxesha, ukufumana i-asethi, ukwenza iiprojekthi kunye neengcamango okanye ukujongana neziganeko ezingalindelekanga, kuyanceda ukuba ube nebhonasi eyinkunzi eqinisekisa ukuzinza kwebhajethi yenyanga yabantu kunye neenkampani. Kulo mba, kuyafaneleka ukuqwalasela ukhetho lokucela a imali mboleko yezindlu.
Kweli nqaku siza kuchaza ngokweenkcukacha zithini iimali mboleko zezindlu, zithini iimpawu zabo kwaye ngawaphi amaqumrhu abanikayo, kugxilwe ngokukodwa kumaqumrhu emali eyinkunzi yabucala.
Yintoni imali mboleko yezindlu
Iimali-mboleko ezinesiqinisekiso se-mortgage yimveliso yezemali apho zombini iinkampani kunye nabantu ngabanye banokufumana umnikelo wokuhlawula imali kwiziko lezemali. Eyona nto ibalulekileyo yolu hlobo lwemboleko kukuba bafuna ukuba umenzi-sicelo enze igalelo ifama njengesibambiso yotyando. Kubalulekile ukuba ipropathi esebenza njengesibambiso semali-mboleko ingabinazibophelelo; oko kukuthi, akukho phantsi kwalo naluphi na uhlobo lwetyala okanye i-link.
Amaqumrhu ebhanki anika olu hlobo lwemali-mboleko exhaswa ngemali yokubambisa isenokuba ziibhanki zesintu okanye iinkampani zabucala zemali-mboleko. Kukulungele ukuqwalasela ukuba iimeko kunye neemfuno ziya kwahluka ngokuxhomekeke ekubeni yiyiphi iqumrhu elisebenza njengomboleki.
Iimpawu zeemali-mboleko zezindlu
Njengoko kukhankanywe ngaphambili, ukungaqhelekanga kolu hlobo lwemali mboleko xa kuthelekiswa nezinye iimveliso zemali kukuba ukuze ufake isicelo, kuyimfuneko ukuba ube nepropati enokusetyenziswa njengesibambiso.
Kwimeko iimali-mboleko ze-equity zezindlu zabucala, kukho ezinye izinto ezinomdla ekufuneka ziqwalaselwe:
- Imali yenkxaso-mali ingaba ukuya kuthi ga kwi-50% yexabiso eliqikelelweyo lepropati ibekwe njengesibambiso.
- Ngokuqhelekileyo bawongwa nge amaxesha amafutshane, phakathi kwe-1 kunye ne-3 iminyaka malunga, kuba ziyimveliso eyenzelwe ukusombulula iimfuno ezithile zokuhlawula amatyala.
- Ifama enikelwe njengesibambiso inokuqhubeka isetyenziswa ngalo lonke ixesha lokuhlawula imali-mboleko.
Kweyiphi imeko yokucela i-mortgage loan
Kukho iimeko ezahlukeneyo apho isicelo semali mboleko yezindlu sijika sibe yeyona ndlela ifanelekileyo. Ezi zilandelayo zezona zixhaphakileyo:
- Ukukhuthazwa kweeprojekthi. Rhoqo, ukwenza okanye ukwenza iiprojekthi zobuqu okanye zeshishini ezisebenzayo, ukufakwa ngexesha nangexeshana kwenkunzi kuyafuneka. Kule nto, iimali mboleko zezindlu zinika umdla kakhulu.
- Ngamanye amaxesha, ukuze bafumane imali yokuhlawula amatyala, bayacelwa iimali-mboleko ezinesiqinisekiso sokubambisa ukuze kuhlaziywe okanye ukuvuselelwa kweefama. Kwezi meko, imali-mboleko idla ngokuhlawulwa ngokuthengiswa kweefama ezihlaziyiweyo okanye ezihlaziyiweyo.
- Kubaphuhlisi, imali mboleko yezindlu yimveliso egqwesileyo kuba, kuba bahlala beneempawu ezininzi zokubeka njengesibambiso, banokufaneleka kwimali-mboleko ephezulu. Kule meko, iimali-mboleko zibandakanya iindleko zokwakha, kwaye imbuyekezo yenziwa ngokuthengiswa kweefama ezibangelwayo. Nangona kunjalo, iibhanki zemveli zithintele mboleko kunye nesiqinisekiso semali-mboleko kubakhuthaziKe ngoko, badla ngokubhenela kumashishini abucala.
- Amatyala okanye ii-liens. Iimali-mboleko ezixhaswa yi-mortgage lukhetho oluhle kakhulu kwiimeko apho amatyala makhulu kwaye angakhokelela ekuthinjweni, kuba banika ixesha lokuhlawula ngenxa yoxolo lwengqondo.
- Ukwamkelwa kwamafa. Iindleko ezivela ekwamkeleni ilifa zinokuba phezulu kakhulu kwaye, xa ungenayo ikhredithi efunekayo yokujongana nazo, iimali mboleko zezindlu zinokuba yinto efanelekileyo.
Leliphi iqumrhu eliza kukhetha ukwenza isicelo semali mboleko yendlu
Njengoko bekutshiwo ngaphambili, kukho iindlela ezahlukeneyo zokufikelela kwezi mveliso zemali, ekubeni zombini iibhanki zemveli kunye iifemu zezabelo zabucala zibonelela ngemali mboleko yezindlu. Nangona iibhanki zemveli zibonelela ngenzala ephantsi, kufuneka kuthathelwe ingqalelo into yokuba imibutho yabucala eyinkunzi ineengenelo ezininzi ekufuneka ithathelwe ingqalelo phambi kokufaka isicelo semali mboleko:
- Isantya kunye nokukhawuleza. Iinkqubo ezinamaqumrhu enkunzi abucala zidla ngokukhawuleza kunezo zebhanki zemveli. Oku kubalulekile kwabo bacela imali-mboleko yokubambisa ukusombulula imfuno engxamisekileyo yokuhlawula amatyala.
- Ukuguquguquka kunye nokwenza ngokwezifiso. Iimfuno zokucela iimali-mboleko nge-capital yabucala zingaphantsi kunezigqeba zebhanki eziqhelekileyo kwaye kukho indawo eninzi yokuvumelana ngemigaqo yokubuyisela kunye nemimiselo yokuyilungisa kwiimfuno zomfaki-sicelo. Ukongeza, imibutho yabucala eyinkunzi inokuphepha into yokuba abathengi bakuluhlu lokunganyaniseki, njenge-ASNEF okanye i-RAI, ukuba banesiqinisekiso esiqinileyo se-mortgage.
- Kumaqumrhu abucala, iingcebiso ezininzi zidla ngokunikezelwa kunakwamanye amaqumrhu ngabacebisi, oosoqoqosho kunye namagqwetha. Injongo kukuba iimveliso zemali ezicelwa ngumxhasi zilungelelaniswe kwiinkcukacha zemeko nganye.
- Ukhuseleko kunye nokuthembeka. Amaqumrhu emali abucala kufuneka abhalise kwaye abe ivunywe yiBhanki yaseSpain, ebalawulayo ize ibabeke esweni. Ke ngoko, ukhuseleko kunye nokuthembeka kugquba kwiinkqubo zemali ngokubanzi nasekuboneleleni ngemali-mboleko ngokukodwa.
Uxabisa ntoni umxhasi ukunika imali-mboleko ngesiqinisekiso semali-mboleko
Xa ubolekwa-mboleko kunye nesiqinisekiso se-mortgage iceliwe, amaziko emali kufuneka ahlole umngcipheko ohambelana nokusebenza. Ukwenza oku, ikakhulu bathathela ingqalelo le miba ilandelayo:
- Ukubuya komdla. Kuvavanywa ukuba iya kubuyiselwa njani inzala efunyenwe ekunikezelweni kwemali-mboleko; oko kukuthi, ithini imiqathango yembuyekezo kunye nokuba yeyiphi na imali.
- Ifomu yokurhoxiswa komsebenzi. Kubalulekile ukuba ibhanki yazi ukuba umsebenzi uza kurhoxiswa njani; oko kukuthi, iya kuphela intengiselwano. Ezona ndlela zixhaphakileyo ziibhanki kunye nokuthengiswa kwepropathi, enokuthi okanye ingabi yileyo ibekwe njengesibambiso.
- Ubukho besiqinisekiso. Ku ukunikezelwa kweemali-mboleko kunye nesiqinisekiso sokubambisa Kubalulekile ukuba ipropati enikezelweyo njengesibambiso ibe nexabiso elaneleyo. Kule nto, ukuhlolwa kwepropati kuthathelwa ingqalelo, okungagcini nje ukuqwalasela iminyaka yepropati kunye nesimo sayo solondolozo, kodwa kunye nezixhobo ezakhiwe ngayo kunye nendawo, phakathi kwezinye izinto.
- Ukusebenza kweprojekthi yoshishino. Kwimeko iimali mboleko zezindlu zamashishiniKukwabalulekile ukwazi ukuba nokwenzeka kwenkampani ecela inkunzi. Ukuba inkampani inenzuzo kwaye iqhuba kakuhle, inkampani yezemali inendawo eyongezelelweyo yokuqhuba ukunika ezi mboleko.
Ekugqibeleni, Nawuphi na umntu okanye inkampani inokucela imali-mboleko ngesiqinisekiso semali-mboleko ngaphandle kokuba unepropati engenazibophelelo njengesibambiso. Zombini iibhanki zemveli kunye neenkampani zabucala zezemali zinokunikezela ngazo. Nangona kunjalo, olona khetho lufanelekileyo xa ujonge ukuguquguquka okukhulu kunye nesantya ngokhuseleko, ukuthembeka kunye neengcebiso ezilungileyo faka isicelo semali mboleko yezindlu ngenkunzi yabucala.