Nokuthathelwa ngaphandle engenayo

Igama elithi "mortgage" okungenani kanye empilweni yakhe wezwa wonke umuntu, futhi amaningi akugcini nje ngokuba wezwa, kodwa futhi sibhekene mortgage abolekise mathupha. Ungakwazi ngempela kugcwale umlomo ukuthi loan mortgage namuhla ingenye izinhlobo ethandwa kakhulu imali ebhange. Ngenxa yokuthi ukusetshenziswa yayo ikuvumela ukuba bathenge amakhaya abo. Kodwa ukukhipha ezifana loan abakwazi konke.

Iqiniso liwukuthi ezimweni eziningi, ukuthola indlu, uzobe lenqwaba imibhalo ehlukene, main okuyinto isitatimende engenayo. Kodwa, ngeshwa, hhayi bonke abantu ezweni lethu ukusebenza ngokusemthethweni, ngakho ukwethula ke, abaningi abakwazi, ngakho-ke, bese uthole imali-mboleko, futhi, abakwazi. Empeleni akunjalo, ngoba manje kukhona mortgage ekhethekile kungekho mali engenayo.

Lokhu mortgage has izinhlobo ezintathu:

1. Thola loan ngaphandle imali kungaba cishe wonke umuntu angeke akwazi ukuqinisekisa ukuthi umthombo izimali.

2. Usizo isatholakala, kodwa ifomu mahhala. Kulokhu, ezingaba umboleki ziqinisekisa khona imali inkomba, angaba namandla okuwunikela.

3. Kungenzeka ukuhambisa isitifiketi kokuthola i eyengeziwe umthombo engenayo. Lolu khetho kuyinto ekahle abantu abanayo imisebenzi emibili noma emithathu. Kodwa kulokhu omunye wabo kufanele kube sisemthethweni.

Kunoma ikuphi, mortgages ngaphandle imali unika ithuba ukuthenga izindlu abantu abangakwazi uhambise idokhumenti. Kodwa kukhona caveat. Akuwona wonke yasebhange ikhipha loan mortgage. Kule ndaba, nawu umbuzo, lapho ungathatha loan kungekho mali engenayo. Kulokhu, wayithola, ungasebenzisa enye yalezi zindlela: noma ukufaka isikhalazo okhetheke credit wabathengi, noma okunye shiya isicelo ukuthola a mortgage emabhange ehlukahlukene. Ulwazi kokubili nabashintshi namabhange akutholakalanga ezihlukahlukene sites. Ngaphezu kwalokho, kufanele kuphawulwe futhi ukuthi amabhange inthanethi compulsorily babe ulwazi ukuthi mortgage ikhishwa kungekho mali engenayo. Futhi lolu lwazi lula kakhulu ukuthola kudingekile sesikweletu.

Uma uthi nhlá kungase kubonakale sengathi lokhu uhlobo mortgage kuyinto ekhangayo kakhulu futhi kuyazuzisa inani elikhulu ababoleka. Kodwa ingabe kunjalo ngempela?

Naphezu kweqiniso lokuthi ngezinye izikhathi lolu hlobo mortgage loan lokugcina ukuthola umuzi wabo siqu, yena unalo eziningi kakhulu kahle. Chief phakathi kwabo kukhona lokhu okulandelayo:

1. Akuwona wonke yasebhange ikhipha imali-mboleko.

2. Inzalo ezongezelwe ku loan iphezulu kakhulu, kodwa isikhathi kungathatha, ngokuvamile kakhulu esingaphansi ukuthi lapho loan senziwa ukuhlinzekwa ilungelo.

3. Isikhathi esining impela, ukuthola mortgage nzima isidingo sokuba kunakekelwe ngokwezinto izibambiso.

Kunoma ikuphi, nebubi ngisho ezifana ngempela okukhulu, mortgage ngaphandle imali abakujabuleli funa ngaphansi kunokujwayelekile. Kodwa ukuthatha lolu hlobo loan noma cha, njalo obolekayo has ukuzinqumela uqobo.