Shintsha imali ebanjiswayo yasebhange

Shintsha imali ebanjiswayo yasebhange

Lapho une loan loan egameni lanoma yiliphi ibhange, nganoma yisiphi isikhathi osidingayo ungazama ukwenza i- ukuxoxisana kabusha ukufeza izimo ezithandekayo nebhizinisi, ngenqubo ebizwa ngokuthi ukulungisa ukushintsha.

Futhi ngenye inqubo ongakhetha ukuyenza thatha imalimboleko yakho yokuthenga ngempahla uye kwelinye ibhange ukuthi ukhetha, le nqubo okubizwa nge-surrogacyLokhu kungenziwa lapho elinye ibhange likunikeza inzalo engcono kanye / noma imigomo yemalimboleko kunebhange lamanje lapho imali yakho mboleko ikhona. Noma kunjalo, ibhange lokuqala Ungakugwema ukuzimela ngokwesivumelwano uma kunjalo fanisa noma uthuthukise okunikezwayo naleyo yebhizinisi lesibili ofuna ukufaka kulo ushintsho; lokhu kubizwa fakela amandla ngokwesivumelwano.

Ekuqaleni kwenqubo ye- ushintsho lwezindlu Ibhange linezinsuku eziyi-15 zokufaka umfutho, kusukela esazisweni se-notarial, futhi kufanele livele phambi kukatari olisho inhloso yalo, lapho kufanele livume khona ezinsukwini eziyishumi zebhizinisi ngokuletha kumuntu osolwa ngokwebolekayo ngokubhaliwe Umnikelo obophayo lapho kuvezwa khona ukulingana noma ukwenziwa ngcono kwezimo zempahla ebanjiswayo.

Ngemuva kwalokho, ukuze imiphumela ye-surrogacy kuzokwanela ukuthi i- ibhange elisha khokha kulowo owedlule inani elisele lemali mboleko, kanye nayo yonke inzalo eqongelelwe kanye namakhomishini adingekayo, futhi wenze ngokusemthethweni ukwenza okungaphansi komhlaba ngokubhala komphakathi phambi komphakathi olungisa izivumelwano.

Kumele kubhekelwe ukuthi, kuzo zombili izinqubo, novation kanye subrogation banezindleko, okuvame ukuba ngaphezulu kwe-surrogacy. Lezi zindleko zingabandakanya ummeli olungisa izivumelwano nezimali zokubhalisa, amanye amakhomishini asebhange noma wentela, futhi anqunyelwe ngokomthetho.

Shintsha imali ebanjiswayo yasebhange

Konke okuchazwe ngenhla cishe kuyinqubo ye- ukuguqulwa kwemali ebanjiswayo yasebhange, kanye namanye amagama ongawadinga ukukuxhasa kule nqubo. I- ukushintshaniswa kwempahla phakathi kwamabhange Kungaba inqubo edla isikhathi futhi kube nezindleko ezithile, noma kunjalo, kunezinzuzo eziningi ezingabonakala zinenzuzo kuwe. thuthukisa isivumelwano sakho sempahla, futhi ulondoloze inani elikhulu kakhulu lemali, esikhathini esifushane naphakathi.

Okusemqoka umgomo wokushintsha amabhange ukuthola inkontileka enezimo ezingcono, futhi ngaleyo ndlela sikhokhe inani eliphansi lesibambiso, kepha kulokhu kufanele sithole ibhange elisinika isipho esihle sokubopha. Ngakho-ke ngaphambi kokwenza isinqumo sokushintsha amabhange kubalulekile ukuthi wenze okuhle usesho lwasebhange nemibandela Ngaphakathi kwalokhu. Ngalokhu, amasayithi wokuthenga ngempahla ethengiwe ku-inthanethi anjengeHelpMyCash.com angasetshenziswa njengoba kuvumela ukufunwa kwemininingwane kuzo zonke izinto ezibolekwa imali ngokushesha nangaphandle kokushiya ikhaya lethu.

Ngaphambi kokuthi singene kweminye imininingwane mayelana ne- ushintsho lwezindlu Kubalulekile futhi ukubuyekeza ukuthi iziphi izinzuzo nokuthi kunini lapho kufanele senze ushintsho ebhange.

Izinzuzo zokushintsha imali ebanjiswayo yasebhange

Shintsha imali ebanjiswayo yasebhange

Shintsha izintshisekelo:

Ezinye zezizathu eziyinhloko abantu banquma ukuzenza Inqubo yokuguqulwa kwempahla yasebhange iqiniso lokuthi uyakwazi ukushintsha inani lenzalo, okubandakanya ukonga okukhulu, ngokuvumela ukuguqulwa kokubili ngomehluko, kumabhentshimakhi, noma enanini lenzalo yebhange.

Usizo lokuxoxisana:

Enye indlela yokusebenzisa i- ukukhishwa kwempahla ebanjiswayo kuyindlela yokuxoxisana ngezimo ezingcono, kusetshenziswa njengosongo inhloso yokushintshela imali mboleko iye kwelinye ibhange ngezimo ezingcono. Lapho ibhekene nokulahleka kweklayenti, ibhange lingahle lifune ukufanisa nemibandela yelinye ibhange elibolekisa ngemali, kepha-ke, kufanele kubhekwe ukuthi ibhange lingavumeli ukunikela ngezimo ezingcono, futhi le nqubo ifaka uchungechunge olukhulu izindleko, kuyadingeka ukuthi kucace bha mayelana nemibandela okuzoxoxiswana ngayo, ngaphezu kokucaca ngemiphumela engaba khona. Futhi esimweni lapho kubonakala sengathi akulungile kungcono ukusebenzisa olunye uhlobo lwenqubo.

Susa izigaba ezihlukumezayo:

Lapho ushintsha kusuka kokukodwa imali ebanjiswa ebhange Unethuba lokususa izigaba ezihlukumezayo ongazuzi kuzona, ezifana nesigaba somthetho esaziwa phansi, noma izintshisekelo eziphakeme kakhulu, njengezinzalo ezizenzakalelayo. Lokhu kungenye yezindlela ezizuzisa amaklayenti acela ukuhoxiswa kwesigatshana saphansi, kepha ibhange labo alivumanga futhi lenqaba ukwenza inhlawulo yokubambisa ngempahla.

Nweba umnqamulajuqu:

Al shintsha imali ebanjiswa ebhange Uzoba nethuba lokukhuphula isikhathi semalimboleko, kuze kufike ezingeni eliphezulu lelo bhizinisi elisha elikuvumela ngalo. Futhi ngaleyo ndlela yehlisa inani lenyanga lemali yakho.

Kufanele ushintshe imali ebanjiswayo yasebhange

Shintsha imali ebanjiswayo yasebhange

Uma ufuna faka imali mboleko yebhange lakho Kumele uqaphele ukuthi lokhu kuzobandakanya ezinye izindleko, kuqala ngekhomishini ye-subrogation, ukuthi kule subroging ungashintsha kuphela inani lenzalo, negama, noma inhlanganisela yakho kokubili. Uma lokhu onakho engqondweni ukuguqula izinto eziningi, lokhu bekungeke kusaba njalo i-subrogation, kepha i-novation noma ukukhansela ukwenza ngokusemthethweni okusha entweni ebiza kakhulu; Ngakho-ke kufanele ugxile kulezi zinguquko ezingenziwa, bese ubeka eceleni okungaphandle kwesilinganiso se-surrogacy, njengokwandiswa kwenhlokodolobha, okungaphezulu kakhulu kwalokhu.

Endabeni yokufinyelela esivumelwaneni lapho i- izimo zithuthuka kakhulu ebhange elisha lapho kuhlelwe ukuthi kuguqulwe imali ebanjiswayo, inqubo yokubuyiselwa kwemali izoba nezindleko cishe ezingama-euro angama-150 cishe. Phambilini bekukhululekile, kepha lokho sekuguqukile.

Kumele kubhekwe ukuthi, phakamisa ukuguqulwa kwempahla, Uma ukhokhele umshwalense weminyaka emihlanu nge-premium ekhokhelwe, ibhange ngeke libuyisele imali ekhokhwayo engakhokhelwa yempilo esele yomshuwalense.

Ngaphezu kwalokho ingozi yokushintshwa kwempahla ebanjiswayo, futhi kubhekelelwa konke okudingekayo ukuze kwenziwe, le nqubo ishiyelwa esinqumweni somuntu ngamunye. Uma uthola isivumelwano esihle nelinye ibhange kanye nokwenza ngcono izimo onazo ebhange lakho lamanje, futhi lokhu kusho ukonga esikhathini esifushane naphakathi kwakho, ushintsho lwempahla ebanjiswe ebhange lungakulungela ngokuphelele.

Izinyathelo zokushintsha imali ebanjiswayo yasebhange

Shintsha imali ebanjiswayo yasebhange

Funa ezinye izindlela:

Uma izitolimende zanyanga zonke zeminyaka emithathu yokuqala yemalimboleko zikhokhelwe ngaphandle kwezinkinga, bazokwazi ukusebenzisa i-subrogation yethu loan loan bese uyishintshela kwelinye ibhange. Ngakho-ke isinyathelo sokuqala okufanele senziwe ukucinga amabhange ahlinzeka ngeminikelo engcono futhi uwaqhathanise ukuhlola ukuthi ayazithuthukisa yini izimo zethu zamanje, nokuthi bayasamukela njengamakhasimende. Indlela ye- esheshayo futhi elula mortgage search, ukusebenzisa ipulatifomu yamahhala yomthengi we-intanethi, njengeHelpMyCash.com

Linda okunikezwayo okubophayo:

Ngokukhetha ibhange elisha esesivele silifuna sibeke phansi imali ebanjisiwe yethu, kufanele sithumele isicelo se-subrogation. Uma ibhange lisamukela lesi sicelo, linesikhathi sezinsuku eziyi-7 ukuthi likwazi ukwethula umnikelo ofaka imibandela emisha okuzodingidwa ngayo.
Ngesikhathi lesi sithembiso sifinyelela kithi, sizoba nesikhathi sezinsuku eziyishumi ukunquma ukuthi lezi zimo ezintsha ziyasithokozisa yini, noma azikasikholisi.

Linda ukunikezwa kwekhawunta okuvela ebhange lethu:

Kuleli qophelo, inqubo yethu, ibhange lethu selivele liyazi ukuthi siyihlelile shintsha imali ebanjiswayo uye kwelinye ibhange, ngakho-ke sekuyisikhathi sokuba uvuselele ukubekwa phansi bese usethula ngesipho sokuvuma ukusivimbela ekushintsheni amabhange. Uma ukunikezwa kwe-novation okuhlinzekwa yibhange lethu lamanje kungcono noma kulingana ne imibandela yebhange elisha, inqubo yethu yokufaka ngaphansi kwesicelo izokhubazeka, futhi ngeke sikwazi ukushintsha imali ebanjiswa emabhange. Kepha uma ibhange lingalethi okunikezwayo okungcono, ukubhalwa phansi kuzoqhubeka futhi imali ebanjiswa ebhange izoguqulwa.

Le nqubo ilula kakhulu kunendlela ebukeka ngayo, lapho nje uthola elinye ibhizinisi elikwenza ube ngumnikelo ongcono othuthukisa ifayili lakho le- izimo zamanje ekubanjisweni kwemali yasebhange lakho, ubale ukuthi izindleko zenqubo zizoba yimalini, bese uyiqhathanisa nokonga ozokuthola esikhathini esifushane, esiphakathi nesikhathi eside, uzokwazi ngokushesha ukubona ukuthi ngabe kulula yini ukwenza ushintsho lwempahla ebanjiswayo iye kolunye ibhange. Ngakho-ke ungaqiniseka ukuthi le nqubo iyenzeka futhi kuya ngecala lakho, kungakongela imali eningi; ngakho-ke ungesabi ukuxoxisana futhi ubheke izimo ezingcono zokuthenga ngempahla yakho.


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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.