Kulesi sihloko sizokwazi ukuthi yini i- rukukhokhelwa kwezikweletu? izinzuzo zayo kanye nebubi, izidingo kanye nezimo, kanye nokuhlanganiswa kwezikweletu njengokuvumelana nezimo kwezezimali.
Kuyini ukuhlanganisa izikweletu?
Ukuhlanganiswa kabusha kwezikweletu kubhekisela eqinisweni lokuhlanganisa kanye/noma ukuhlanganisa zonke izikweletu, amakhredithi kanye nezindlu ezibolekiwe zibe isikweletu esisodwa.
Lokhu okunye kusivumela ukuthi sihlanganise isikweletu esijwayelekile sibe isikweletu esithile esihlanganisiwe, futhi ngenxa yalokho inkokhelo isitolimende esisodwa esihlanganisiwe, sithole ithuba lokukhokha imali encane kakhulu kunaleyo obuyikhokhele zonke izitolimende ngokwehlukana, njengoba ilandela isikweletu esisodwa. .
Ukusebenza
Indlela okusebenza ngayo ukuhlanganisa izikweletu ukuthi abafakizicelo kumele bakhansele zonke izikweletu, imali ebolekiwe kanye namakhredithi ukuze kuhlanganiswe kube okusha. Ngalo mqondo, isikhungo sezezimali kufanele senze ucwaningo lwezezimali lweklayenti ukuze sinqume ukuthi ungakwazi yini ukuhlanganisa izikweletu zakho noma cha.
Ochwepheshe endabeni (abacebisi) bahlaziya indawo yonke equkethwe ezikweletini futhi banqume ukuxilongwa, futhi ukugunyazwa kwangaphambili noma ukugunyazwa komuntu onentshisekelo, inqubo yokuxoxisana nezinhlangano zamabhange izoqala, ngaleyo ndlela ikhiqize uhlelo olusha lapho izimo zizoba khona. okunqunyiwe, izinkokhelo, izinga lenzalo kanye nesikhathi sokukhokha.
Ngenkathi inqubo yenziwa, umuntu onentshisekelo kufanele akhansele kusenesikhathi isikweletu ngasinye noma izikweletu anazo enkampanini yezezimali ukuze avule ngokusemthethweni ukuvulwa kwekhredithi entsha, kungakhathaliseki ukuthi yimali ebolekiwe noma eqondene nawe. Manje, kubalulekile ukukutshela ukuthi ukuhlanganisa izikweletu ezingenamakhaya Kuyenzeka, kukuwe kuphela ukuthi ukhombise ukuthi unemali ukuze ukhansele izibopho zakho.
Izinzuzo
Ubuhle bokuthi zonke izinkokhelo zifakwe esitolimendeni esifanayo esiphansi, ngokunethezeka okukhulu kwezezimali.
nebubi
- Isikhathi eside; Lokhu kungaholela ekukhokheni inzalo eyengeziwe uma imali ebolekiwe isibuyiswe ngokugcwele.
- Izindleko zezimali ziyakhiqizwa, njengokukhanselwa noma ukubuyisela imali ebolekiwe ngaphambi kwesikhathi, ukuvulwa, uma kukhona.
- Uma kunemali ebolekiwe, lokhu kungadinga ukukhokhwa kwamakhomishini afana ne-appraisal, ummeli olungisa izivumelwano noma Intela Yezenzo Zomthetho Ebhaliwe.
Izidingo zokuhlanganisa izikweletu
Njenganoma iyiphi imali ebolekiwe, isikhungo sezezimali sidinga ukuthi kuhlangatshezwane nochungechunge lwezimfuneko nemibandela; Okubaluleke kakhulu kanye/noma okunqumayo kuhlobene nempilo yezimali zakho. Thola imali engenayo kanye nesimo ngemuva kokuhlanganiswa kwezikweletu. Sonke lesi simo sihlolwa ebhange ngendlela yokuqinisekisa ukuqoqwa noma ukutholwa kwemali yakho.
Imfuneko yokuqala iwukuba namandla okukhokha kanye nesiqinisekiso esithile sokubuyisela. Okusho ukuthi, awukwazi ukwenza ukuhlanganisa izikweletu okungavikelekile. Esimeni sokuhlangana kabusha ngaphandle kwe-mortgage esakhiweni, lesi siqinisekiso singaba esomuntu siqu (imali oyilondolozile nemali engenayo kanye nempahla yakho), esomuntu okuqinisekisayo (uzothatha izibopho zakho ezifanayo emalini ebolekiwe) (Isiqiniseko) noma amabhalansi asele (imali ezinhlelweni zempesheni, amadiphozithi, izikhwama zokutshala imali, phakathi kokunye). Uma lesi sihloko sibambe ukunaka kwakho, ngikumema ukuthi uye kusixhumanisi esilandelayo esizokuvumela ukuthi ujulise isihloko imali mboleko eyabiwe
Inani elikhulu lokuhlanganiswa kwezikweletu zenziwa emalini ebolekiwe yezindlu. Izimali mboleko zezindlu ishibhile ngokwemibandela yezezimali kumsebenzisi futhi zinikeza isiqinisekiso esengeziwe sendawo. Phakathi kwemibandela yokuqongelela imali ebolekiwe kwi-mortgage, isikhungo sezezimali sizodinga ukuthi iphesenti elikhulu lendawo likhokhelwe. Uma usanda kusayina i-mortgage, ngeke isebenze.
Ibhizinisi elithatha ubungozi bokuhlanganisa izikweletu lizofuna ukuba nokubalulekile nokuvikeleka kokuthi yilo kuphela elinesikweletu (okukhethekile). Lokhu kuzokuvimbela ekubekeni phambili ukukhokhelwa kwamanye amakhredithi uma kuqhathaniswa neyakho.
Izindleko zezimali ezikhiqizwe Ekuhlanganisweni Kwezikweletu
Iningi lemisebenzi yezezimali yenza izindleko zezimali. Ngale kwenzalo entsha ozoyikhokha, kunezindleko ezintathu okufanele uzicabangele lapho uhlanganisa imali mboleko yakho ibe yinto eyodwa:
- Izindleko zokukhansela ngokushesha imali ebolekiwe osuvele unayo.
- Izindleko zomthethosisekelo we-mortgage entsha. Kubandakanya ukuhlolwa kwendlu, i-notary kanye nokukhokhwa Kwentela Yezenzo Zomthetho Ezibhaliwe, phakathi kwezinye izinto.
- Izindleko ezinkokhelweni zekhomishini uma kwenzeka kulamula.