Ziningi izindlela zokwenza izinqubo zokubambisa ngempahla, lokhu kusuka lapho uthenga ikhaya futhi uqala ukuphatha izinkokhelo ezidingekayo ukuze uligcine ngendlela eyiyo. Zonke izenzo, izinkokhelo nokunyakaza okwenzayo ngokubambisa ngempahla yakho kungahlukaniswa futhi kuchazwe ngokuthi ama-mortgage novations.
Izimo zemali mboleko yizenzo ezenziwa ngaphakathi kwempahla yakho ebolekiwe efana ushintsho lwezezimali noma ushintsho kumuntu okubolekwe ngayo imali. Okusiletha esihlokweni esizokhuluma ngaso namuhla: ukukhishwa kwempahla ebanjiswayo.
Incazelo yesivumelwano sokubambisa ngempahla
Esikhathini esedlule besishilo incazelo nenjongo ye- ama-mortgage novations, okungaba noma yisiphi isenzo noma ushintsho kunkontileka yakho yokuthenga ngempahla, futhi phakathi kwalokhu yi-subrogation, echazwa njengokushintsha noma ukufaka esikhundleni somnikazi wesibambiso.
La ukukhishwa kwempahla ebanjiswayo uqobo lwayo lungahlukaniswa lube yizinhlobo ezimbili zama-subrogations; ukuzimela komuntu ngokuzimela nokuzimela ngokweqiniso. Lokhu okubili, okwamanje, kusho izinto ezihlukile: Uma sikhuluma ngokuzimela ngokweqile komuntu siqu, sisho ukuthi a ushintsho lwesibambiso semali mboleko. Ngokulandelayo, i-surrogacy yangempela inhloso isho ukuthi i-a ushintsho lwempahla ebanjiswayo.
Kunezinye izigaba ezimbili ezingavamile zokuzimela, kodwa zibaluleke kakhulu ukusho. Ziyi-subrogations zomuntu siqu ezihlukaniswe izigaba ezimbili.
Ukuzithoba komuntu okweletwayo:
Kulolu hlobo lwe-subrogation, kuthiwa kwenziwa ushintsho kulowo okweletayo. Ingxenye yokukhokhwa kwempahla yenziwa kucatshangelwa izici ezithile, njengalapho umthengisi enezikweletu zempahla. Lolu uhlobo lwakudala lokuzala ngokwesivumelwano.
Izikweletu zababolekisi:
Yesimo sesimanjemanje, esikhuluma ngokuthatha isikweletu sethu semali nokuyiguqula. Lolu hlobo lwe-subrogation lusisiza ukuthi sithathe imali yethu yokubambisa kusuka ebhange esinayo, futhi siyiguqulele ebhange lethu esizikhethele lona ngenqubo eqinile. Lokhu kulula ngoba sigcina izinkokhelo eziningi ezingadingekile nezintela nezinkinga ezifana nokuthi kufanele sikhansele imali ebanjiswayo, okungadingekile ngokunikezwa kwesikweletu.
Kanye nalokho osekuvele kushiwo, kunezinye izinhlobo zemibandela umuntu okweletwayo anquma ukuyiqala. Lezi yimibono yokuthengisa, lapho kuthengiswa khona imali ebanjiswayo, ukuyidlulisa kusuka ebhange iye kokunye.
Ungayifaka kanjani imali engaphansi kwesikweletu sami?
Kunemihlahlandlela lapho bachaza khona igxathu negxathu ukuthi bangayisebenzisa kanjani imali yokubambisa ngempahla ngendlela efanele, njengaleyo eyenziwa yiConfederation of Consumers and Users, noma i-CECU, lapho banikeza khona imiyalo enemininingwane yabantu abahlose ukwenza ibhange changes noma olunye uhlobo lwe ama-mortgage novations lapho kulula, njengalapho i-Euribor ibuthaka noma iphansi.
Ukuzimela
Ukwenza izinguquko ku- izimo zempahla ebanjiswayo, kusho ukuthi senza umsindo ongaguquguquki, futhi ukuze sikwenze kufanele siye ebhange lapho kubhaliswe khona ukuthi indlu yethu ibanjisiwe. Lapho wenza i- ukulungisa ukushintsha, Kungenzeka ukuthi sisho ushintsho lwenhlokodolobha, ushintsho esikhathini sokubanjiswa kwemali, inani lenzalo esiyisebenzisayo, izimo zezimali ezifana nokukhokhiswa kwemali, iziqinisekiso zomuntu siqu ezizoshintshwa, njalonjalo.
Imalimboleko yempahla ebambekayo
Imalimboleko yempahla ebanjiswayo Bangabuye babhekane nokushona phansi uma sifisa, ngoba ukuthola imali mboleko yempahla kungasivimbeli njengamakhasimende ekushintsheni izinhlangano, kepha futhi singathatha le mali mboleko siyibeke kwelinye ibhange uma sikhetha yona ukuze izuze kakhulu noma olunye uhlobo yezimo ezilingana nokuncamelayo.
Inqubo yokuthola omunye umuntu
El inqubo yokuzimela Iqala lapho sithola ibhange lapho besinikeza khona ukuthuthuka okufana nenzalo ephansi noma isikhathi eside, kulandelwe isiphakamiso esibhaliwe okufanele sikhonjiswe futhi samukelwe. Ibhange kufanele lamukele, ngemuva kwalokho lizokwazisa ibhizinisi langempela ukuthi iklayenti lifisa ukwenza i-subrogation, futhi bazocela umbiko wenani isikweletu esalikweleta, umbiko ozonikezwa isikhathi sezinsuku eziyisikhombisa zilethwe.
Shintsha imali yakho oyiboleke kaningi
Izinguquko zempahla yemali zilinganiselwe, awukwazi ukusuka endaweni eyodwa kuya kwenye eshintsha amabhange noma kunini lapho ufuna khona. Lokhu kungenxa yokuthi okunikezwa amabhange kuwe kuyashintsha, futhi uma imali yakho oyibambise ibanjelwe kaningi, ukunikezwa kwabo kungancipha ngokwengeziwe.
Kungenzeka ukuthi ibhange elenza ukuthi uboleke imali yakho isiphakamiso esiphikisayo okwamanje bathola ukuthi uhlela ukwenza isikweletu semali mboleko, lokhu ukufanisa noma ukuthuthukisa okuhlinzekwe yibhange elisha futhi kukhombise ukuthi banesifiso sokuthi uhlale nalelo bhange ungashintshi. Kulokhu, kuyisinqumo seklayenti ukuthi sizohlala nebhange lamanje noma sishintshe ibhizinisi.
Amathiphu Wokuphumelela Kokubanjiswa Kwempahla
Njengoba sikhombise konke okungenhla, manje sesiyazi ukuthi Incazelo yokubanjiswa kwempahla, Siyayazi inqubo ezolandelwa uma kwenzeka sinentshisekelo yokushintsha ibhange nezindlela ibhange elingasabela ngazo esimweni esinjalo. Kepha uqala kuphi ngqo? Kwenziwa kanjani ngendlela eyiyo? Ngokulandelayo sizokunikeza amanye amathiphu awusizo wokwenza ifayela le- subrogation of mortgage yakho ngendlela efanele futhi kalula.
Uqala ngaphi?
Akukuhle ngaso sonke isikhathi ukwenza lezi zinhlobo zezinguquko, ngoba lokhu kungaholela enanini eliphakeme kakhulu kusukela emabhange, ukulahlekelwa amakhasimende kuyinto embi kakhulu engenzeka. Khumbula ukuthi isikweletu sakho sendlu ngesakho, futhi akufanele ucele imali ebhange ukuyithatha bese ushintshela kwelinye ibhange. Khumbula ukuthi ukuze ibhange elisha likwemukele, kufanele ngabe ukhokhe okungenani iminyaka emithathu yokubolekwa kwemali ebhange lendabuko.
Izinkokhelo ezingeziwe
Ukwenza ukubuyiselwa kwemali kwempahla akubanjwanga. Khumbula ukwenza izibalo kusengaphambili ukuze inani lokugcina lingakwethusi kahle, ngoba ukuguqulwa kwebhange kungadala amanani aphezulu.
Ikhomishini ye-surrogacy
Kunomthetho ovimbela amabhange ukuthi akhokhise enye ikhomishini ngaphakathi kokubanjiswa kwempahla, ikhomishini okungafanele yeqe u-0,5% eminyakeni yokuqala okubolekwe ngayo imali ebanjiswayo, ngemuva kwalokho akumele yeqe u-0,25%.
Izimali ezibanjiswayo zibanjelwa izidingo zezomnotho noma ukuze kube lula, ibhange lingasinikeza amanani enzalo angcono futhi ngaleyo ndlela sikhokhe kancane. Kepha kukhona nezimo lapho siqondiswa kuphela ngumahluko omusha osinikeza wona, futhi asizibheki zonke izinsizakalo ezengeziwe zokuqasha kanye nomshuwalense oyisibopho ibhange elisibeka phambi kwawo.
Khumbula ukuthi imithetho ye-subrogation iyashintsha, ngakho-ke qiniseka ukuthi usesikhathini mayelana nezidingo nemibandela amabhange acela ukuthi enze lolu hlobo lokungabanjiswa kwempahla, konke lokhu ukuvimbela ibhange ukuthi lingakumangazi ngemithetho yomzuzu wokugcina ubungazi nokuthi izinhloso zakho zokuthola omunye umuntu ziyaphela.
Izimalimboleko eziguqukayo nezishibhile zenyanga kaMeyi 2017
Ngezansi sizobala ezinye ze- Izimali ezibolekwa imali eziguquguqukayo zakamuva kakhulu lokho kungahle kukuthakazelise, okuvela emabhange anikezela ngezipesheli nezimali ezithokozisayo.
- ILiberbank, kanye neKutxabank, njenge-ING Direct amabhange ahlinzeka ngemali mboleko eshibhile, enenzalo engaphansi kwe-Euribor 1%.
- I-Orange Mortgage, enenzalo ka-1,99% TIN, ingaphansi nje kwale eyedlule futhi ingenye yamabhange anikela ngemali mboleko eshibhile emakethe yamanje.
- IBanco Sabadell ne-ActivoBank banikela ngenzalo ka-2.20% no-1.59% ngokulandelana. Lokhu kukhombisa ukwanda kwenzalo ababeyinikeza phambilini.
Isiphetho
La ukukhishwa kwesibambiso sendlu Singakwenza ngezindlela ezahlukahlukene, kuya ngezintandokazi zethu kanye nezidingo zezezimali. Wonke umuntu unquma ukuthi bazolusingatha kanjani uhlobo lwabo lwe-subrogation, kanye nanoma yiluphi olunye uhlobo lwendawo yokubanjiswa kwempahla esinentshisekelo kuyo.
Khumbula ukuthi awuwedwa, nokuthi impela akuwena wedwa okulesi simo osibona singenandlela yokuphuma kuso. Hlala uye ebhange lakho ubuze nganoma iluphi uhlobo lokungabaza onakho, abasebenzi bazokuthokozela ukukusiza futhi baxazulule noma yini onayo mayelana nokubekwa kwemali mboleko, amanani wenzalo kanye nokukhokhelwa.
Hhayi lokhu kuphela, kodwa futhi kunconywa ukuthi ubuyekeze njalo kwi-inthanethi isimo lapho kutholakala khona izinhlaka ezahlukahlukene ezifana ne-Euribor, amanani wenzalo, nezinye izibalo ezingakusiza uthathe isinqumo ngebhange ofuna ukusungula ngalo imali mboleko yakho yempahla ebanjiswayo. , kanye neziphakamiso zemalimboleko kanye neminikelo abayinikeza amaklayenti abo kanye nezidingo ezidingekayo zokwenza ushintsho kanye nemali yokubanjiswa kwempahla njenge-subrogation.