Ubambiso yimveliso yebhanki apho kuya kufuneka uphile kanye ebomini bakho. Esi sisixhobo onaso ukuze ufumane ikhaya olithandileyo. Kwaye kuyakufuna ukugqabhuka okukhulu kwicala lakho, kwaye oko Unokufikelela kwixabiso elifikelela kwi-300.000 euro, Kuxhomekeke kwimodeli yepropathi ekhethiweyo yokwenza umsebenzi kunye nebhanki. Uya kukufuna ukuba ucamngce ngokunyanzelwa imeko, kuba zininzi i-euro eziza kuba semngciphekweni.
Inqanaba lokutyala oya kuba nalo liya kubaluleka kakhulu, ngaphezulu kwezinye iintlobo zekhredithi: ubuqu, ukusetyenziswa, njl. Kwaye konke oku Kuya kufuneka uyamkele ngakumbi imeko eya kuthi ibekwe yibhanki phambi kokusayina isivumelwano. Ukuphonononga kwaye uhlalutye uxwebhu kuba emva kokuba ulutyikityile, kuya kuba semva kwexesha ukubuyela umva, kwaye awuzukukhetha ngaphandle kokuthatha zonke iimeko zalo.
Imali mboleko yokubolekwa kwemali iphethe izinto ezininzi, mhlawumbi ezigqithileyo eziya kukugcina usematyaleni iminyaka emininzi. Ungafikelela kwiminyaka engama-60 ungawuvalanga umsebenzi. Ngesi sizathu, kubiza kakhulu kuneminye imigca yezemali (iimali mboleko zobuqu, ukusetyenziswa, okanye ukuthengwa kwemoto). Awufuni kushiya nantoni na ithuba, ewe, ukuba awufuni kuphuhlisa ingxaki kule minyaka imbalwa izayo.
Inzala iya kuba sisigqibo
Inqaku lokuqala ekufuneka unike ingqalelo ngakumbi kulo ngamazinga enzala aza kusebenza kuwe ebhankini. Kuya kufuneka ukhuphisane kangangoko. Kwaye ungakufezekisa oku ngokuthengisa ezinye iimveliso kunye nequmrhu lakho (i-inshurensi, izicwangciso zokonga, imali yotyalo-mali, njl. Ngale ndlela uya kufezekisa ukuba imida yolamlo ikho ezantsi ngezishumi ezimbalwa.
Ngapha koko, elona cebo lililo iya kuba kukwenza amanani kwikhaltyhuleyitha yakho, kwaye ufika kwisigqibo sokuba ungalithatha ityala. Ngamanye amagama, awuyi kuba nengxaki yokuhlawula imali mboleko. Le nkqubo inokuthatha iintsuku ezininzi, nangaphezulu kunokuba kufanelekile. Kodwa kuya kufaneleka oko, njengoko imali isemngciphekweni, kwaye akufuneki ushiye nantoni na ukuze uphucule. Iya kuba yimpazamo enkulu ukuba kuya kufuneka uyihlawule ngexesha elizayo. Sukulibala.
Kuya kuba lula kakhulu kuwe ukuba uphonononge izithembiso kunye nokwenyusa amaziko emali ebekhuthaza rhoqo. Akunanto, Ungagcina i-euro ezininzi ukuba ukhetha esi sicwangciso siluncedo. Kwaye ekubeni imveliso ekuvunyelwene ngayo inexesha elide, iziphumo zayo ziya kuba nkulu ngakumbi. Umahluko phakathi komnye nomnye umdla weebhanki ubaluleke kakhulu. Kwaye kuyakuxhomekeka koku ukuba uhlawula kancinci xa ugqibezela umsebenzi.
IiKhomishini kunye nezinye iindleko
Enye into ekubambeni kwemali ebaluleke kakhulu ziikhomishini kunye nezinye iindleko ezongezelelekileyo ezisekwe kumagatya ekhontrakthi. Ukuba kunokwenzeka, tyikitya ikhontrakthi yemveliso engahlawulwanga kwezi ntlawulo, njengoko uza konga imali eninzi kule minyaka imbalwa izayo. Iipesenti zezi nkcitho zinokufikelela kwi-3% kwimali ethengiweyo. Kwaye ngaphezulu ukuba ungagcina ngale ndlela yokuthengisa.
Inxalenye elungileyo yezindululo onokuzifumana ngalo mzuzu ziphuhlisiwe ngaphandle kwekhomishini, okanye ezinye iindleko kulawulo okanye kulondolozo lwazo. Zama ngazo zonke iindlela ukuba ukhetho lwakho luhamba ngezi paramitha, kuba izibonelelo oza kuzigcinela zona kule minyaka izayo ziya kuba zinkulu. Kwaye oko kudityaniswe nenqanaba lenzala elungileyo kuya kunceda ukugcina iindleko zakho ixesha elide.
Yiba nokonga
Ukuba uza kubeka ngokusemthethweni imali mboleko yokubolekwa kwemali kwiinyanga ezizayo, kuya kufuneka uyazi ukuba imeko entsha ilawulwa ngokunganikeli ngemali yemali yokuthenga ikhaya elitsha. Baza kukunika kuphela i-75% okanye i-80% yomsebenzi. Ngale nto, kuya kufuneka ube nengxowa ebaluleke ngakumbi okanye engabalulekanga exhasa lo msebenzi. Ephakamileyo isixa onayo, kulunge ngakumbi kwimidla yakho. Ayothusi into yokuba uyakuhlawula imali encinci, kokubini kukwenza amortization nakwinzala.
Eli nyathelo liphakanyiswa ziibhanki lichaphazela inqanaba lakho lamatyala ukuba liphantsi. Lo ngumnqweno weBhanki yaseSpain, ekhuthaze ukusetyenziswa kwesi sicwangciso kwiibhanki ngokwazo. Ngapha koko, kukho isixa esisezantsi ongazukukwazi ukuyilahla ukuba ufuna ukwenza ityala lobambiso ukusukela ngoku. Imiselwe malunga ne-50.000 euro.
Ixesha lobambiso
Ixesha lokuhlawulwa kwayo liya kuba yenye yezinto ezimiselweyo ekufuneka usete ngexesha lokusayina. Asekho amaxesha apho ubunokukwenza ngokusesikweni phantse kube kubobomi, ubuninzi beminyaka engama-50. Akukho nto inye ukusukela oko kwabakho ubunzima bezoqoqosho lwamanye amazwe, kwaye ngenxa yesiphelo sabo zehliselwe kwiminyaka engama-25 okanye engama-30 njengomda ophezulu. Kuya kufuneka uhlengahlengise iimfuno zakho zokwenyani ukuze ukhethe elona xesha liluncedo kwimidla yakho.
Ukuba ubhalisela elona xesha likhulu, kuya kufuneka ucinge iimali ezifikelelekayo ngakumbi, kodwa endaweni yokuhlawula isixa sayo ixesha elide. Ukuziqhelanisa kuya kuthetha ukuba iindleko zobambiso ziphezulu kakhulu. Kwaye ngenene akunakulunga ukwenza ngokusemthethweni le mveliso yebhanki phantsi kwezi meko.
Ukuba unako, owona msebenzi unenzuzo enkulu iya kuba kukuyihlawula ixesha elincinci. Kuyinyani ukuba iifizi ziya kuba nzima ngakumbi, kodwa ngokuvala umsebenzi kwangethuba, kuya kufuneka uhlawule imali encinci. Kwaye ngamathuba okuba uvuleke kwakhona kwikhontrakthi yemigca emitsha yetyala. Ukuhlaziya ikhaya lakho, hlawula iholide yakho elandelayo, okanye uthenge iimodeli zamva nje zezixhobo zokumamela.
Kuthekani ngegatya lomgangatho?
Emva kwento eyenzekileyo kwiminyaka yakutshanje, kuya kufuneka ulumke bangakuthengiseli ngempahla obambise ngayo ngezi mpawu. Ngethamsanqa uya kuba nakho kulula, kuba uninzi lweebhanki zisusiwe kwisibonelelo sabo sangoku. Ayothusi into yokuba iimeko zayo zikwenzakalisa ngokukodwa, kunokuba ungacinga ekuqaleni. Kwaye baya kukwenza uhlawule imali engaphezulu kuneyimfuneko ngoku.
Olu didi lweemveliso zemali umisele umyinge wenzala omncinci ongenakugqitha. Kwaye unikwe ukwehla kwembali kwindaleko yesalathiso saseYurophu, esaziwa njenge-Euribor, sikuthintele ekuthabatheni ukwehla okukhulu. Khumbula ukuba okwangoku ukwintsimi engathandekiyo. Kwaye ukuba ubuyimisele ngokusesikweni imali mboleko yokubolekwa kwemali ngale meko, kuya kufuneka uhlawule imali eninzi kunokuba kufanelekile ngezavenge zenyanga.
Inzala ehleliweyo okanye eyahlukileyo
Yenye yeengxaki ekufuneka usombulule ukusukela ngoku ukuya phambili xa usayina ubambiso. Kuya kuxhomekeka kwiimeko zeemarike zezemali. Ngoku kunenzuzo ngakumbi ukuyirhumela ngenqanaba lenzala eyahlukileyoNgaphambi kwesigaba esiboniswe yi-Euribor. Kodwa ekubeni uyimali-mboleko yexesha elide, le meko ayinakufana kwiminyaka embalwa, kwaye ke, ngekhe uwenze umsebenzi unenzuzo.
Ewe inzala emiselweyo iya kukuvumela ukuba usoloko uhlawula ngokufanayo, ungakhathazeki malunga nokuvela kweemarike. Kodwa kwakhona ukuchitha intshukumo yangoku yokudibana kwezoqoqosho. Kukhetho lwakho, ixesha apho ubambiso lwakho lubhekiswe kuwe luya kuthatha isigqibo. Awunakukhetha ngaphandle kokuyithathela ingqalelo ukuze ukwandise ukusebenza kweyona ndlela ifanelekileyo.
Kwaye kwinqanaba lesithathu, kukho Ubolekisi obuxubeneyo, ezidibanisa ezona zibalaseleyo nezimbi kwimodeli nganye. Kwaye ukuba mva nje kuyonyuselwa kwiibhanki njengenye indlela yokuxhasa ngemali izindlu. Nguwe kuphela oya kufuneka ukhethe eyona fomathi intle ukukhusela umdla wakho. Kwaye le nto iya kuba yenye yezona zibalulekileyo.
Iingcebiso ezi-8 zokuthatha ubambiso
Ukuba ucinga ukubhalisa nayiphi na kwezi mveliso zebhanki, akunakuze kuze kuwe ukuba ungenise uthotho lweengcebiso eziza kuba luncedo kakhulu kulo msebenzi webhanki. Kwaye inokumisela ukuba uyakwazi ukusayina ikhontrakthi ngempumelelo enkulu. Ubuncinci ukwimeko yokuyizama, engeyiyo encinci, emva kokuphonononga ezona mpawu ziphambili zezi mveliso ziyimfuneko emakhaya.
- Imalunga funda lonke unikelo oluza kubakho kwiibhanki kuwe, kuba ngokuqinisekileyo unokufumana imodeli efanelekileyo kakhulu kwimidla yakho njengomsebenzisi.
- Susa zonke iindleko ezongezelelweyo Oku kubandakanya imali mboleko, ukusuka kwiikomishini zabo nakwezinye iindleko ezingeyomfuneko kwaphela.
- Jonga ifomula ye- uyihlawule ngokukhawuleza, kuba ngayo uyakube ususa iindleko ezinkulu, kwaye okona kubi kakhulu, ixesha elide ebomini bakho.
- Funda ngononophelo ukuprintwa okuhle kwesivumelwano, ukuba iimeko zibandakanyiwe ezincinci okanye azikho kwaphela ezinomdla kwimidla yakho, kwaye oko kunokubandakanya ukwenziwa ngokusesikweni kwenkqubo yasebhanki ye-lousy.
- Ukuba wenza isivumelwano nezinye iimveliso zebhanki ungafumana ityala lebhonasi yetyala, oko kuya kuxhomekeka kwinqanaba lokunyaniseka onalo.
- Zivumele ukuba uthathwe ngu iimeko eziphawula ukuthengisa, njengepasipoti yokuyifumana kweyona meko intle, kwaye ineendleko.
- Izindululo zokubambisa ngendawo ye- ukuthengwa kwekhaya lokuqala zihlala ziyanelisa ukodlula kule yesibini. Ukuba le yimeko yakho, ungathatha ithuba lokunyusa okuninzi okunikwa amandla ngamaziko emali.
- Yazi indlela ibhenkmark yaseYurophu eguquka ngayo, Kwaye uzame ukuyenza ibe semthethweni le mveliso ngokusekwe kwezona ndlela zibalaseleyo ezikhoyo ngalo lonke ixesha.