Yemwe amatumiza chikalata cha ngongole
Obwereketsa amafuna kuwonetsetsa kuti akuwunika momwe zinthu zilili bwino, ngati zomwe akuwunika sizolondola, lingaliro lawo lovomereza kapena kukana ngongole yanu lidzasokonezedwa.
Mukapempha ngongole, mudzafunsidwa kuti mupereke umboni wa ndalama zomwe mumapeza, monga ndalama zolipirira, kalata yochokera kwa abwana anu, zolemba zamisonkho kapena chidziwitso chakuwunika, komanso mawu owonetsa ndalama zanu kapena ngongole zomwe muli nazo, ngakhalenso. chikalata cha ID chotsimikizira kuti ndinu ndani.
Ndife ma broker apadera omwe angakuthandizeni kuti ngongole yanu ivomerezedwe. Ngati mukufuna kupanga nthawi yokumana kapena kulankhula ndi wothandizira, tiyimbireni pa 1300 889 743 kapena funsani pa intaneti.
“…Anatipeza mwachangu komanso mopanda kukangana ndi ngongole pa chiwongola dzanja chabwino pomwe ena amatiuza kuti zikhala zovuta. Ndidachita chidwi kwambiri ndi ntchito yawo ndipo ndingalimbikitse Akatswiri a Ngongole Yanyumba mtsogolo ”
"... adapangitsa kuti ntchito yofunsira ndi kuthetsa vutoli ikhale yosavuta komanso yopanda nkhawa. Anapereka zidziwitso zomveka bwino ndipo amayankha mwachangu mafunso aliwonse. Iwo anali owonekera kwambiri pazochitika zonse za ndondomekoyi. "
N’cifukwa ciani mboni imafunika kaamba ka chikalata chobwereketsa nyumba?
Ngongole ya Mortgage ndi mtundu wangongole womwe umapezeka polonjeza katundu kapena katundu kubanki ngati chikole pakubweza ndalamazo. Malinga ndi ndime 58 ya Law Transfer Law, kubwereketsa ndi kusamutsa chiwongola dzanja pa malo enaake opangidwa kuti zitsimikizire kubweza ndalama zomwe zaperekedwa ngati ngongole kwa wobwereka.
Mwachilankhulidwe chosavuta, kubwereketsa kumatanthauza kuti ngati munthu akufuna ngongole kubanki, adzaipeza bola asunge nyumba yake kapena nyumba yake ndi banki ngati chikole. Izi zikutanthauza kuti ngati wobwereka sakonza ndalamazo, banki ikhoza kutenga nyumbayo kapena nyumbayo ndikuigulitsa kuti ibweze ngongole zomwe zatsala.
Ngakhale njira zofunsira zitha kusiyanasiyana ku banki kupita ku banki, kukhala ndi dzina lodziwika bwino la malowo ndikofunikira pangongole iliyonse yanyumba. Izi ndichifukwa choti banki sikufuna kuti pakhale chiwopsezo chilichonse chomwe chingalepheretse chitsimikiziro. Izi zikutanthauza kuti ngati wobwereketsa asungitsa ndipo banki ikufuna kugulitsa malowo ndikubweza ndalamazo, iyenera kupewa zovuta zamilandu ya chipani chachitatu yomwe ingakhale ndi udindo wa wobwereka.
Umboni wa ngongole yanyumba
Kupeza ngongole yanyumba nthawi zonse kumatanthawuza kuti wobwereketsa apereka ngongole yanyumba ndi wobwereketsa m'malo mwa wobwereketsa nyumba. Kuphatikiza pa ngongole yanyumba, palinso zolemba zina zomwe banki ingafune kuti iphedwe kuti ipereke chitetezo chabwino pakubweza ngongole yanyumba.
Banki iliyonse ku Hong Kong ili ndi mawonekedwe ake obweza ngongole. Mu Meyi 2000, a Hong Kong Mortgage Corporation Limited adakhazikitsa chikalata chobwereketsa nyumba chomwe mabanki angatenge. Chitsanzo cha chikalata chobwereketsa nyumbachi chili mu Chingerezi ndipo pali kumasulira kwachi China. Mwambiri, chikalata chobwereketsa nyumba chimakhala ndi, mwa zina, izi:
Wobwereketsa amalipiritsa/kubwereketsa katundu wake kubanki ngati chikole. Mu "ndalama zonse" ngongole, katunduyo adzakhala chitsimikizo cha ngongole zonse za wobwereketsa, popanda malire. Choncho, ngati wobwereketsa akupempha kuti atulutse katundu wobwereketsa kuchokera kubwereketsa, wobwereketsayo ali ndi ufulu wopempha wobwereketsayo kuti abweze ngongole yake yonse pa nthawiyo ndi banki, kuphatikizapo, mwachitsanzo, overdrafts. kutsogola kwangongole yoyambira yanyumba.
Zimatenga nthawi yayitali bwanji kuti mupeze mutu wa nyumbayo mutalipira ngongole
Kugula nyumba ndi nthawi yosangalatsa, koma kupempha chiwongoladzanja kungakhale kovuta. Mukafunsira ngongole, pali zolemba zingapo zomwe wobwereketsa adzakufunsani. Njira yabwino yochepetsera nkhawa pofunsira kubwereketsa ndikuonetsetsa kuti muli ndi zolemba zonse zomwe mungafune musanayambe ntchitoyo. Nawa zikalata 5 zofunika kwambiri zomwe wobwereketsa ngongole angafune kuti mukhale okonzeka nthawi ikadzakwana.
Mbali ina ya chiwongola dzanja chanu ndikulengeza ndalama zomwe mumapeza, chifukwa chake muyenera kupereka ma W-2 anu aposachedwa ndi zobweza msonkho kuti mutsimikizire. Chaka chilichonse, abwana anu ayenera kukutumizirani fomu yatsopano ya W-2 kuti mupereke ndi misonkho, ndipo mukayipereka, muyenera kusunga kopi ya msonkho wanu. Zolemba izi zimafotokoza mbiri yanu yazachuma, zomwe zingathandize wobwereketsayo kudziwa kuchuluka kwa ngongole yomwe mungakwanitse. Ngati mulibe nazo kale, yambani kuzisonkhanitsa mwamsanga.
Wobwereketsa angakufunseninso kuti mupereke ndalama zomwe mumalipira posachedwa, nthawi zambiri mkati mwa masiku 30. Malipiro awa amawonetsa wobwereketsa zomwe mukupeza pano, ndikuthandizira kumaliza chithunzi chanu chandalama. Ngakhale ma W-2 ndi zobweza zamisonkho zimatha kuuza obwereketsa zomwe mudapeza chaka chatha, zolipira zimawapatsa chithunzi chanthawi yomweyo chachuma chanu.
