Lapho uthenga indlu, into okufanele siyazi ngaphambi kokuya kuyo yilezi izinhlobo ezahlukahlukene zemali ebolekwayo emakethe esinikeza yona nokuthi kufanele sizicele kanjani emabhange. Kubaluleke kakhulu ukuthi wazi, ngaphambi koku-oda, ukuthi ziyini izici zale mikhiqizo, kanye ne- izinzuzo nezinkinga zalolu hlobo lwesibambiso.
Kufanele ukhumbule ukuthi eyodwa ye- izinto ezibaluleke kakhulu ozozenza impilo yakho yonke, ukusayinela ukuthenga kwempahla futhi kufanele wazi konke okuphathelene nazo. Ngaphandle kwalokho, kufanele uzame ukuba unolwazi olungcono kunalokho ongakwazi mayelana namanani nokuhlolwa kwamanani ukuze ungabi nezinkinga zesikhathi esizayo.
Ngokuya ngokuthi kunzima kanjani nokuthi inani lezinto okufanele libhekwe ekubanjweni kwemali ebekiwe, besifuna ukukufundisa ukwazi konke okufanele ukwazi ngazo. izici zesibambiso ngasinye, kanye nokunikezwa okunikezwa ngamabhange.
Yiziphi izimali ezibolekwa imali ezikhona ngokwezinga lenzalo yazo
Imali mboleko yesikhathi esinqunyelwe
Lokho Uhlobo lwemali mboleko ingumkhiqizo othandwa kakhulu kule makethe futhi kungenzeka ukuthi ibe ngeyokuqala kokunikezwa ukuze izinga lenzalo yakho lingashintshi eminyakeni edlule; Lokhu kusho ukuthi inani elifanayo lemali kumele likhokhwe inqobo nje uma sinesibambiso. Njengoba inezikhungo eziningi, iyi- uhlobo lwempahla ebolekiswayo abantu abaningi ngokwengeziwe abanayo unyaka nonyaka. Lezi zinhlobo zemalimboleko yenzalo engaguquki nayo imfishane kakhulu ngokuhamba kwesikhathi, ngoba kufanele ikhokhwe cishe eminyakeni engama-20, ngokungafani nemali mboleko ejwayelekile engasebenza kuze kufike ku-40.
Isilinganiso semali mboleko eguqukayo
Izinga lokubolekwa kwemali eliguquguqukayo kungenye yemali mboleko eyaziwa kakhulu. Kulokhu, izitolimende okumele zikhokhwe njalo ngenyanga ziyahlukahluka kuye ngesethenjwa semali mboleko. ESpain, ethwala isisindo esikhulu futhi amabhange amaningi aqondiswa yi-Euribor.
Uma sibheka uhlu lwezinto ezibanjiswayo ezweni, imali ebanjwayo eminingi ihambelana nalolu hlobo lwempahla eguquguqukayo, kuba inzalo engaguquki engu-7% kuphela.
Imali mboleko yezinga elixutshiwe
Ezimalini ezibolekwe ngamanani ahlanganisiwe, womabili amanani enzalo kumele aziwe, ngoba womabili ahlanganisiwe. Esimweni esinjalo, isilinganiso senzalo esingaguquguquki nesiguqukayo kwenza inzalo yemali mboleko ihluke ngokususelwa kusethenjwa se-Euribor noma ngenzalo engaguquki ongavumelana ngayo nebhange ozothola ngalo isibambiso.
Izimalimboleko ezibolekwe ngokuya ngohlobo lwesitolimende abazivezayo
Ngaphezu kwezinga lenzalo, uma kukhulunywa nge Thola imali ozoyibambisa ngebhange lakho olithembile, kufanele wazi ukuthi imali ebanjwayo ikhokhwa ngohlobo lwesitolimende. Lezi yizibambiso ezinkulu ezibhekiswe ohlotsheni lwesitolimende okufanele lwaziwe. Kufanele ucabange kusengaphambili lapho ukhetha okukufanele kakhulu, ngaphezu kokuhlola isimo sakho samanje. Uma ungaqiniseki ukuthi yini i- uhlobo lokukhokha kwempahla okumele uyithole, ungaxhumana nebhange lakho olithembile elizokwazi ukuncoma inketho engcono kakhulu.
Izinhlobo zempahla ebolekwayo nezinzuzo zalowo nalowo
Imali ebanjisiwe yesitolimende
Enye yemalimboleko efunwa kakhulu ngabantu Bafuna ukuthola imali mboleko yempahla engabanjwanga Kulolu hlobo lwesibambiso, izinkokhelo zanyanga zonke zisuselwa engxenyeni yenzalo nenye ingxenye yenzalo eceliwe. Lapho uqala ukukhokha lolu hlobo lwempahla ebanjiswayo, izintshisekelo ziphakeme kakhulu, kepha ngokuhamba kwesikhathi, inani lenyanga elizokhokhwa liyehla, ngokususelwa ekunciphisweni kwenhloko.
Ngemuva kweminyaka eminingi, isimo siguqulwe ngokuphelele futhi abantu bagcina sebekhokha imali encane kakhulu, ngaphezu kokuthi iningi lempahla ebanjisiwe selikhokhiwe.
Imali ebolekwa ngezitolimende ezihlomile
Lezi Imali mboleko yesitolimende eboshiwe ngolunye uhlobo lwesibambiso esifunwa kakhulu kepha okunzima kakhulu ukusithola. Kulolu hlobo lwezitolimende, kufanele kubhekwe ukuthi inani elifanayo lenzalo lizohlala likhokhelwa, kungakhathaleki ukuthi kwenzekani ngenzalo ngaphandle noma ushintsho emnothweni. Kodwa-ke, inengxenye engemihle futhi lokho lokho kususelwa kuzinguquko zenzalo yangaphandle, inani lezimali okufanele zikhokhwe uma ziguquka.
Izimali ezibolekwa ngemali ekhokhwayo yokugcina
Ngakolunye uhlangothi, imali ebanjwayo ebanjelwe isitolimende sokugcina yilezi imali ebanjwayo lapho ingxenye yothishanhloko ocelwa ukuthi akhokhe khona kancane kancane emalimboleko ihleli. Leli nani linikezwa ngokususelwa ku-30%. Lezi zinhlobo zokubanjiswa kwemali azithandwa kangako, ngoba kudingeka inkokhelo enkulu yokugcina esitolimende sokugcina ukuthi, uma singenayo leyo mali, ingadala izinkinga zobugebengu noma ungalahlekelwa nayindlu uma ungenayo leyo mali. kusungulwe.
Ukwandisa imali ekhokhwayo yesitolimende
Ku imali ekweletwayo ekhokhwa kancane kancaneKufanele kubhekwe ukuthi iphesenti liyakhula njengoba iminyaka ihamba futhi futhi liyenyuka njengoba amazinga wenzalo eguquka. Luhlobo lwesikweletu sempahla esibanjwayo abantu abasigwemayo njengoba singenazo izinzuzo eziningi, kepha sinezindleko eziningi.
Izintshisekelo zokubanjiswa kwenzalo kuphela
Este Uhlobo lwemali mboleko alwaziwa kakhulu eSpain noma ngabe kwenziwa ngabantu abavela kwamanye amazwe kulokhu. Lapha, njalo ngenyanga kukhokhwa inzalo kuphela futhi akukho lutho olwehliswayo kunani eliphelele lendlu; kodwa-ke, uma inyanga ngayinye isiqediwe, kufanele kukhokhwe inani eligcwele eliyinhloko noma ungakhetha ukuthengisa ikhaya ukuze ukhokhe leso sikweletu.
Izimalimboleko ezibolekwe ngokuya ngohlobo lwempahla kanye nemali ebolekwa ngezifiso
Kukhona nemali mboleko eyenziwe ngezifiso yohlobo ngalunye lomuntu noma imali ebolekwe ngohlobo lwempahla. Lezi zinhlobo zemali ebolekwayo zithandwa kakhulu ngabantu asebeke bazama ukuthola imali ebanjiswayo kodwa benqatshwa.
Izimali ezibolekwa ngokuya ngohlobo lwempahla ofuna ukuyithenga. Lezi zinhlobo zemali mboleko zisetshenziselwa ukuthenga phansi emabhange noma phansi okuvikela ngokusemthethweni okubizwa nangokuthi i-VPO. Lolu hlobo lwemali mboleko lusetshenziselwa ukuthengwa kwempahla yasemadolobheni noma izimpahla zasemaphandleni. Zisetshenziswa ikakhulu ezimweni zokubambisa ngemali ukuthenga umhlaba noma ukuthola ikhaya lokuqala lapho kunamathuba ambalwa. Kwezinye izimo, zingasetshenziswa futhi ukukhokhela ikhaya lesibili.
Imali mboleko eyenziwe ngezifiso
Endabeni yokugcina futhi lapho sesisebhange isikhathi eside, singabuza uhlobo lwesibambiso somuntu siqu ukuze sithole indlu yamaphupho ethu. Lezi zinhlobo zemali ebolekwayo zinikezwa ngokususelwa kuphrofayili yomuntu oyicelayo futhi kuzanywa ukuthi imali yenyanga yileyo iklayenti engayikhokha hhayi leyo ebekwa yibhange.
Kuyinto a uhlobo lwesibambiso esifunwa kakhulu ngabantu abasha Ukuze ukwazi ukuthola izilinganiso ezinenzuzo enkulu emakethe futhi ukwazi ukubhekana nezilinganiso noma ngabe umholo uphansi.
Kulolu hlobo lwezezimali ezibanjiswayo, unga futhi thola imalimboleko yabangebona abahlali ukuze bakwazi ukukhetha indlu ngaphandle kwezimo ezifuna kakhulu.
Ngaphambi kokuthenga ikhaya
Manje njengoba wazi ukuthi yiluphi uhlobo lwempahla obolekelwe yona, kufanele futhi wazi ezinye izinto ngaphambi kokuyicela.
- Yiba nokonga okuthile. Yize amabhange ejwayele ukukhokha imali engu-100% yemalimboleko, izinqubo ezenziwayo azikhokhelwa yilawa mabhange futhi kufanele zicatshangelwe ukuze zingalahlekelwa yimali ngokuhamba kwesikhathi.
- Kumele sazi inani langempela lendlu esizoyithenga. Kubalulekile ukuthi wazi konke okuphathelene namanani asendaweni ofuna ukuyithenga, kanye nemali ebhaliwe (notary fees) nokunye okwengeziwe, ukuze ube nombono ojwayelekile wemali okufanele uyicele ekubambeni kwempahla yakho noma ukwazi uma intengo iphezulu kakhulu.kude kunalokho ongakukhokhela ngempela. Ukwazi lokhu ngo-100% okumele ukwenze ukuhlola uhlobo lomhlabathi kanye nenani lezinye izindlu endaweni.
- Ekugcineni futhi ukuze sikwazi ukuthola indlu siseduze ngangokunokwenzeka emaphusheni ethu, kufanele ube nomlando wesikweletu ohlanzekile, ukugwema okuzenzakalelayo. Ngaphezu kwalokho, kuphoqelekile ukuba nenani lemali engenayo yenyanga ngokuya ngokuthi izitolimende okumele zikhokhwe inyanga nenyanga zizosekelwa kuphi.