I-iibhanki ubolekise imali kuphela ngokuchasene yokhuseleko
Abo amaphupha le mbonakalo ezine kweendonga, kufuneka i-real estate-mbolekoNgomhla we-Verivox builders kwaye ekhaya buyers unako ukubala inzala yabo kwaye isicelo a akukho obligation sicatshulwa. Zethu fare ingcaphephe kufumana kuwe ukusuka amakhulu iibhanki kwaye savings iibhanki, nganye nganye uninzi advantageous real estate-mboleko kunye ukunikela iingcebiso kunye yi-ifowuni kwaye kwi ndawo. I-real estate credit iqhele awarded njengoko ilizwe tyala okanye mortgage secured installment iimali-mboleko. Yonyaka bezinga inzala ngu iqinisiwe phezulu iminyaka eliqela (wenziwe ebhaliweyo), oko kukuthi, lowo ihlala efanayo. Kwimeko annuity iimali-mboleko, ngenyanga okanye yonyaka Umyinge (annuity) composed enomdla kwaye inqununu. I-Umyinge ihlala efanayo phezu ngokwe - vertical, Inzala ngu intsingiselo. Kangangokuba, inzala, isabelo esilandelayo Umyinge kwaye indawo ekuyo into ye-repayment uyaya phantsi. Inzala lock, iphela, ukulandelela financing kuba intsalela ityala elitsha ekujoliswe kuyo inzala. Ukhuseleko i-Bank afumana umyalelo, isizathu, ityala okanye mortgage kwi-propati.
Isizathu sokuba ityala udweliswe ngomhla wokuqala udidi indawo elizweni ubhalise.
Ezinye ukhuseleko kuba Bank yile yokuba i-object kuphela encumbered ukuya kwi-ethile imali ixabiso umda. Lento, ngokuxhomekeka Bank amathandathu pesenti ukuthenga kwexabiso.
I-Kwisalathisi kufuneka sibe linani elikhulu imali-mboleko, ngakumbi expensive inzala.
Bubonke ukuthenga ixabiso kwaye ukuthenga iindleko ikholisa financed ngokusebenzisa ezilinganayo kwaye ekhaya-mboleko kwaye savings izivumelwano. Kwithuba elilelona lifanelekileyo kunjalo, ezilinganayo, kufuneka iindleko-malunga amabini ipesenti ye-thenga ixabiso propati dibanisa na kwaye zonke incidental iindleko, oko kukuthi jikelele - ipesenti ye iyonke. Nangona kuba inkxaso-mali kwi-umntu iimeko, ikhulu ipesenti ye-thenga kwexabiso. Nangona kunjalo, kunye ngamnye Euro borrowed, i-mali mthwalo kwaye yiyo loo nto umngcipheko, ukuthatha phantsi kweemeko ezithile, financially, kwi kuvuka. Ngenxa kakhulu umngcipheko iibhanki ezinamazinga ezilinganayo ulwalamano kwaye kakhulu inzala ukuba imfuneko. Ngokulondolozayo, wonke Euro ukuhlawula kuba akukho inzala ngu earned imali. Ngaphezu kwento yonke, mthwalo kufuneka kumaqhosha livelihood lomnini nosapho lwakhe. Yimalini kukuba iindleko ipropati, kuxhomekeke ezilinganayo ezikhoyo. Kwelinye, ubukhulu credit ngu limited, apho ngenyanga Umyinge babe afford umthengi. Uhlahlo-lwabiwo-mali sokubala ikunceda ukuba thelekisa ingeniso kunye inkcitho, bala qho ngenyanga Umyinge. Nabani na pulls ngaphandle a Mietsverhältnis kwi-owakhe ipropati, kufuneka banike khumbula ukuba kwesinye isandla i-kukrazulwa ngu eliminated, kodwa ezintsha kuza ukongeza iindleko.
Inzala kufuneka dropped okwangoku, builders ye inzuzo
I Repayment sokubala ngoko ke ubala, kwi isiseko ngenyanga Umyinge kwaye banqwenela ixesha imali-mboleko zibe. Kuba real estate iimali-mboleko, ixesha inzala lock-kanjalo kubalulekile.
Oku kuya kwalatha ixesha apho kuvunyelwene ngazo, inzala iya kusebenza.
Kweli xesha, uya immutable, mthwalo kuba borrower ihlala efanayo. Kuphela kunye wokuphelelwa wavuma vertical, inzala xesha iya kuba renegotiated. Omtsha wenzala yi ngaphezulu kwama-yoqobo, unako ukufumana borrower kakhulu ukufaka, kuxhomekeke njani phezulu ingaba eseleyo imali eseleyo echaza le ematyaleni. Kangangoko ukuba kuyacetyiswa ilungelelanise kwi-isigaba ka-low inzala amazinga kuba njengoko ixesha elide kangangoko kunokwenzeka vertical, Inzala. Luncedo elide inzala uhlengahlengiso: Emva iminyaka elishumi ngamnye real estate-mboleko zibe kugqityiwe ngaphandle esangezelelweyo kwaye iya kuba rescheduled, nkqu ukuba inzala lock ingu wabaleka. Xa inzala amazinga ingaba inyuke, uyakwazi ukugcina cheap-babotshelelwe wenzala. Inzala lock layo, uyakwazi uzalise borrower landela-kwi-mali - noba njengokuba Rollover ngexesha elinye Bank, okanye ityala rescheduling kwi omnye komnye. Kuzo zombini iimeko, nyaka iza kuba ibe igcwalisiwe inzala. Oku ithuba unako basebenzisa builders ukuze ukufumana cheaper kunikela. Njengoko ixesha elide njengoko inzala iqinisekile, kufuneka sihlale i-eradication nika intsingiselo. Umxhasi ifuna ukuba ahlawule emva imali-mboleko ngokukhawuleza okanye nkqu kwi-mali isixa, ngokulawulwa a prepayment esangezelelweyo. Ngoko ke, kubalulekile advantageous ukuba ilungelelanise okhethekileyo repayment ekunene, sebenzisa, umzekelo, i-income tax refund okanye elincinane Ilifa ukuhlawula ngaphandle imali-mboleko ngokukhawuleza kwaye inzala amazinga ukugcina. I-real estate-mboleko uthelekiso nakekela builders, kuqala kwaye foremost, kwi ngobuchule yonyaka wenzala. Oku kuquka hayi kuphela inzala kodwa kanjalo na Imirhumo ngokunjalo njengoko repayment kwamafama. Nangona kunjalo, ngokubonelela inzala amazinga asingawo iqukiwe. Le inzala ayisayi kuba ezithe ukuba i-real estate imali ehlawulwe kwindawo enye sum, kodwa phezu kweenyanga eziliqela iya kuhlawulwa. Kuba abanye builders, kubalulekile worthwhile, ke ngoko, ukuba ahlawule ethile efuna ingqalelo inikezela ukuba kuquka ukuya kwi-elinesibini ubonelelo inzala-free zidlulileyo. A utshintsho scenery Ngoku renovation financing kunye elula credit amazinga kuba akukho sizathu ityala umyalelo. Ukhe zifunyenweyo i-kunikela nge thoba yonyaka wenzala. Unako ukubala savings enokwenzeka nge Euro.
