Enye yezinhloso ezinkulu empilweni yanoma ngubani ukuthenga noma ukuthola ikhaya, ikakhulukazi kulabo bantu abasha abafuna ukuzimela ngaphandle kwabazali babo, noma futhi nemibhangqwana emisha efuna ukuqala ikhaya.
Kodwa-ke, le phrojekthi enkulu yokuphila seyibe kancane kancane eminyakeni yamuva nje, iphupho elingenakufezeka kubantu abaningi besigaba esiphakathi nesiphansi, kanti iqiniso ukuthi okwamanje akuselula ukwenza lokho. ukuthengwa kwempahla, ikakhulu ngenxa yenkinga enkulu yezezimali yango-2008, lapho amabhange amaningi emhlabeni azithola esesimweni esingesihle neze, ngenxa yenkinga ye-real estate, ngakho-ke kusukela ngalowo mzuzu kuqhubeke, baqala ukunciphisa ukuhamba kwemali mboleko namakhredithi, kusuka kwezincane kakhulu kuya kwezimali ezinkulu zempahla ebanjiswayo.
Manje, izikhungo zamabhange zinqena kakhulu ukukhipha izikweletu yamakhasimende ayo, njengoba kufanele abe nezici eziningana futhi ahambisane nezinqubo ezivame ukungambozwa abasebenzisi abaningi.
Lesi simo siwenze nzima umsebenzi wabathengisi bezindlu ngezindlela eziningi, ngoba kufanele bavumelane nemithetho kanye nezidingo zamabhange, maqondana namandla nokuxazululwa kwemali kwamakhasimende abo.
Ngalesi sizathu, sekubalulekile ukuthi umthengisi wezezindlu abe nochungechunge lwezinsimbi namathuluzi ezibavumela ukuthi bahlaziye zonke izinto eziguqukayo ezungeze izici zezomnotho zamakhasimende akho nemithetho edingwa ngamabhange ukukhokhela imali ebolekwayo.
Indima yabathengisi bezindlu
Umthengisi wezindlu Ngulowo muntu wemvelo onikezela ngezinsizakalo zokweluleka nezokulamula, kanye nasekuphathweni kokuhamba kokuthengisa, ukuqasha noma ukudlulisa izakhiwo, ngokufaka wonke amalungelo nezibopho okubandakanya lolu hlobo lokuthengiselana.
Ngamafuphi, umthengisi wezezakhiwo ngumuntu ozohola umuntu onentshisekelo ekutholeni impahla ngayo yonke inqubo esemthethweni, yezobuchwepheshe neyokufundisa edingekayo ukuqinisekisa ukuthenga ngempumelelo futhi ngaphandle kwezinkinga ezinkulu.
Vele, into ebaluleke kakhulu kunoma ngubani ongenalo ulwazi ngalolu hlobo lokuthengiselana ukuqasha izinsiza ze-ejensi yezezakhiwo ukuze imthathele wonke amaphepha, kufaka phakathi isicelo semali mboleko ngaphambi kwebhange, ukuseshwa impahla phakathi kokuhlukahluka okuningi ongakhetha kukho, kanye nokuphathwa kwalo lonke ulwazi oluzungeze i- imithethonqubo kanye nezinqubo zomthetho, ukuze unikeze iklayenti inketho evumelana kahle kakhulu nesabelomali nezidingo zayo, ifinyelele ibhalansi kuzo zonke lezi zinto eziguqukayo ukuqinisekisa ukwaneliseka okukhulu kwabantu abanezakhiwo zabo ezintsha.
Kungani uphendukela kumthengisi wezezakhiwo lapho ungakwazi ukwenza yonke inqubo yokuthenga nokuthengisa uwedwa?
Kulezi zinsuku sekubaluleke kakhulu emkhakheni omkhulu wabantu ukugwema izindleko ezingenasidingo zazo zonke izinhlobo, ngoba umnotho womhlaba awukakatholakali ngokwanele, futhi izakhamizi zisazizwa zingaphephile ngokwanele ukwenza izindleko ezingaphezu kwalokho okudingeka kakhulu.
Kodwa-ke, kubalulekile ukuthi sisho ukuthi ukutshala imali kwi-ejensi yezezindlu akuyona imali engadingekile, kepha kunalokho, kunganikeza okuningi izinzuzo zezezimali, Ikhwalithi ongaziqinisekisa futhi uyiqinisekise uma unquma ukwenza yonke inqubo yokuthenga nokuthengisa ekhaya uwedwa, ngoba kulapho ubona ukuthi ukwenza lokhu kuthengiselana akulula futhi kungaholela kalula ekuthengeni ikhaya eliphela ukungafinyeleli kulokho okulindele, nokuthi ekugcineni kugcine kubiza ngokweqile futhi kube nemali ebolekiswayo engase ingakhokheleki ngenxa yokuntuleka kolwazi mayelana namabhange ahlukahlukene nezinhlelo zezimali ezinikeza lolu hlobo lokuthengiselana, idatha Ama-ejensi wezezindlu asecubungulile futhi lapho anokuhlangenwe nakho okuhle khona, isimo angenakonga ngaso isikhathi nemali eyanele, izinsizakusebenza ezibalulekile namuhla kunoma ngubani.
Kodwa-ke, uma unikezwe izinzuzo eziningi zokuqasha i-ejensi yezezindlu, iqiniso ngale nkinga ukuthi abantu abaningi abathembi kakhulu uma kukhulunywa ngokukhetha enye yalezi zinketho, njengakuwo wonke amabhizinisi Kulolu hlobo, amathuba okuba umkhonyovu wenkampani yamagobolondo uhlale ucashile.
Ukuze kube nokuthula kwengqondo kwabathengi abangaba khona, kufanele kushiwo ukuthi eSpain lesi akusona isimo sokukhathazeka ngaso, ngoba kuleli lizwe ama-estate estate kumele abhaliswe ku IRejista Yama-Real Estate Agents, isikhungo lapho ukuphathwa nokusebenza ngokufanele kwama-ejensi alolu hlobo kungavunywa, ngaleyo ndlela kuqinisekiswe ukubonakala komkhakha wezezakhiwo, futhi ngaleyo ndlela kuqinisekiswe ukuvikelwa kwabathengi.
Ngale ndlela, uma unokungabaza lapho uhlola ukuthi kungenzeka yini ukuthi ucele izinsiza ze-ejensi yokuthengwa kwempahla, ungahlala ubuyekeza isimo sebhizinisi elishiwo kuRegistry Agents Registry, umzimba ongashiya ngawo kwanoma ikuphi ukungabaza futhi ngaleyo ndlela kuqinisekiswe ukuphathwa kahle kwezinsizakusebenza zomnotho nezikweletu umuntu anazo.
In pocas palabras, ukwethemba i-ejensi yezezindlu kubalulekile ngoba yizinto esezivele zinobuchwepheshe obuthile, obuthuthukiswe ezimweni eziningi neminyaka yokusebenza kulezi zinto, okuholela kulwazi olujulile nolunzulu lokuthengwa, ukuthengiswa kanye nokulinganiswa kwezindlu, yingakho impela zisebenza kahle service lapho uthenga ikhaya, ikakhulukazi.
Ama-simulators okubambisa ngempahla: ithuluzi elibalulekile labenzeli bezindlu
Impela uyazibuza ukuthi kungenzeka kanjani ukuthi i- umthengisi wezindlu unquma izidingo zamakhasimende abo nenketho yokuthenga engcono kunazo zonke abangayithola.
Vele, isipiliyoni siyinto esemqoka, kepha ama-estate estate agents nawo anochungechunge lwezinsimbi zomzimba ezenza lula umsebenzi wazo, Izilingisi zempahla ebanjiswayo ukuthi angamathuluzi asiza ukubala imali ebolekiwe yamakhasimende, ngokusho kwesixazululo sabo sezezimali, isimo sabo sesikweletu emabhange, ukuthi yini abazimisele ukuyikhokha nokuthi lezi zinto zilungiswa kanjani kuzidingo zabo; Zonke lezi yizici umthengisi wezezindlu okufanele azinqume ekugcineni ngaphambi kokufaka lezi zinto eziguqukayo kwisimulator yabo yokubambisa ngempahla, yingakho kusabalulekile ukuxhumana nalezi zinhlangano, ngoba banolwazi lokufunda zonke lezi zinto ngokujulile., Ngenhloso ukuthi i-simulator yakho ihlale isiqinisekisa inketho engcono kakhulu etholakalayo.
Yimaphi ama-simulators amahle kakhulu wempahla eseSpain
Ngesikhathi sika cela imali mboleko yempahla ebanjiswayoKuhlala kubaluleke kakhulu njalo ukubheka uchungechunge lwezinto eziguquguqukayo ezisivumela ukuthi sibe nombono wokuqala wokuthi leso sikweletu sizosibiza malini, futhi ngaleyo ndlela ngokuhamba kwesikhathi siye enkampanini yezezakhiwo ukuzwa iziphakamiso ezingcono noma izinketho ezitholakalayo.
Ukuze ube nendlela yokuqala yokungena izindleko zemalimboleko yempahla, ukucabanga okuhlukahlukene kwezezimali kuhlala kufaka ama-calculator noma ama-simulators awo kuzingxenyekazi zawo ezahlukahlukene ukuze sikwazi ukuhlanganisa imininingwane ngendlela yokuqala.
Ngoba kunezinketho eziningi ezinikezwa thina kwiWebhu, kubalulekile ukuthi sibe nolwazi lokuthi iziphi ezihamba phambili, ukuze kutholakale imininingwane ecacile nenembe kakhulu.
Ngakho-ke, lolu hlu olulandelayo lwabanye babafanisi bempahla ababambise kakhulu eSpain lunikezwa
- I-Kutxabank mortgage simulator
I-Kutxabank iyi-simulator enhle futhi ingenye yezinto ezinhle kakhulu njengamanje, lapho ungabala khona ukukhokhwa kwenyanga kwemali mboleko yempahla.
- I-BBVA mortgage simulator
Ngalesi simulator uzokwazi ukubala inkokhelo yanyanga zonke yesibambiso semali ngomzuzwana nje.
- Isibambiso semboleko mboleko Ing:
Le simulator enhle kakhulu, ongabala ngayo inkokhelo yanyanga zonke yeMortgage ewolintshi ngomzuzu owodwa nje.
- I-La Caixa mortgage simulator
I-la Caixa mortgage simulator ikuvumela ukuthi uhlaziye ukuthi yiluphi uhlobo lwempahla ebolekela kahle kakhulu iphrofayili yakho noma lelo leklayenti labathengisi bezindlu.
- I-Unicaja mortgage simulator
Lesi yisimulator esihle sokwazi izinkokhelo zanyanga zonke zesibambiso.
- I-Idealista Mortgage Simulator: I-Calculator
Enye i-simulator enhle yokwazi inani ozolikhokha ngenyanga ekhaya.
- Ibhange laseSpain iMortgage Simulator: Calculator
Le simulator yeBhange laseSpain ikuvumela ukuthi ungabali kuphela inkokhelo yanyanga zonke yemalimboleko yempahla, kepha futhi nokuhluka kwemali okufanele ikhokhwe uma inani lenzalo liguquka kuyo yonke imali mboleko, okwenza le simulator ithuluzi eliwusizo kakhulu ekuhleleni imali mboleko .
- I-Bankia mortgage simulator
Ngale nketho, kuzofanele ufake kuphela imininingwane eceliwe kuwebhusayithi, ongathola kuyo imali ekhokhwayo eguquguqukayo.
- Isimander mortgage simulator:
Lapha ungabala isitolimende semali mboleko kepha nezindleko ezihambisana nayo.
Amanye ama-simulators alula futhi afinyelelekayo ongawasebenzisa
- Sabadell mortgage simulator
- I-Bankinter mortgage simulator
- I-Banco Calculator yokubamba imali ethandwayo
Isiphetho
Kuliqiniso ukuthi ukuqasha i- isikweletu semali mboleko yisibopho esikhuluIsenzo okufanele sicatshangwe futhi sihlelwe ngokucophelela, ngoba ingxenye ebalulekile yekusasa lethu incike kuso. Ukuya kumenzeli wezezakhiwo kungasiza kakhulu ngoba banama-simulators amahle kakhulu wempahla kanye nesipiliyoni sokusinika izinketho ezinhle kakhulu ezitholakalayo.
Kodwa-ke, la ma-simulators nawo akwiwebhu ukuze sikwazi ukuwasebenzisa futhi sithole umbono wokuqala wezabelomali esingazisingatha.