Urhulumente uququzelela iifandesi ze-elektroniki zeenqwelo ezininzi eziphezulu. Ungafumana imifuziselo kwiimpawu ezaziwayo ezifana ne-Audi, iMercedes-Benz okanye iBMW kunye nokonga ukuya kuthi ga kwi-9.000 yee-euro xa kuthelekiswa nexabiso labo lemarike langoku. Ngamanye amazwi, ngeli jelo litsha ungafumana imoto yakho elandelayo ngezaphulelo ukuya kuthi ga kwi-45%, inani elinomtsalane kakhulu. Kodwa yintoni endiyifunayo ukuze ndikwazi ukuthatha inxaxheba kwaye ngawaphi amanyathelo ekufuneka ndiwalandele?
Ukufikelela kulwazi lwefandesi, akukho hlobo lobhaliso okanye ukuchongwa oluyimfuneko, luluntu ngokupheleleyo. Kufuneka nje ufikelele kwi-portal yefandesi, khetha inketho ethi "Zonke izithuthi", khetha iphondo apho ufuna ukubona iifandesi kwimephu yaseSpain, kwaye zonke iziphumo ziya kuvela.
Ukufikelela kuyo, uya kukwazi ukufunda yonke idatha: ulwazi olubanzi malunga nefandesi, ugunyaziwe olawulayo, idatha malunga nepropati ethengiswayo kunye neentengiso. Nangona ukuthatha inxaxheba kokugqibela sele kuyimfuneko ukuba ubhalise kwi-portal yefandesi kwaye ungene.
Nangona kunjalo, ukuba ufuna ukuthatha inxaxheba kwifandesi, into yokuqala ekufuneka uyenzile kukubhalisa kwiwebhusayithi ye-BOE ekhankanywe ngasentla. Ukwenza oku, kufuneka ube nesiqinisekiso sedijithali okanye ikhowudi ye-PIN ye-Cl@ve. Ukusukela ngalo mzuzu, umsebenzisi uya kuba nakho ukungena kuzo zonke iifandesi ezivuliweyo kwaye ajonge ukuba zihambe njani na ezo sele zenziwe.
Kuba iifandesi zinokubhekisa kwiimveliso ezahlukeneyo kakhulu, kunokwenzeka ukuhluza iimoto kuphela. Ngokukhetha 'ukukhangela', 'ukuvulwa kwakamsinya' kwaye 'kuyaqhubeka', kufuneka ubonise ukuba ukhangela izithuthi ukuze uluhlu olupheleleyo lweemoto olukhoyo kwifandesi luboniswe ngexesha lokukhangela kwakho. Kuyenzeka kwakhona ukuhluza ngokohlahlo lwabiwo-mali olukhoyo. Ukuthatha inxaxheba kwifandesi, ngenxa yecala labo, umsebenzisi ngamnye kufuneka anike idiphozithi yemali, eya kubuyiselwa ngokupheleleyo ukuba abayithengi imoto (okanye nayiphi na enye into enhle) abayibhidileyo.
Ukuthatha inxaxheba, kufuneka unikeze iinkcukacha zebhanki zeediphozithi (i-Arhente yeRhafu ibamba i-5% yexabiso lepropati yefandesi njengediphozithi yabo banomdla) kwaye ngoku unokubhida. Kweli nqanaba, kuyafuneka ukuba kuthathelwe ingqalelo ezinye iikhonsepthi ezibalulekileyo zokuthatha inxaxheba kunye nokubhida kwezi fandesi. Okokuqala, idiphozithi yimali encinci ekufuneka idipozithwe ngumsebenzisi ukuze ithathe inxaxheba kwifandesi. Kwimeko yokungafunyanwa kwepropati oyibhidayo, idiphozithi iya kubuyiselwa kuwe. Ziqhelanise negama elithi "ixabiso lebhidi," elibhekisa kwixabiso lendlu, imoto, okanye ipropathi kwifandesi. Ixabiso lakho lokugqibela lokuthengisa kufuneka libe malunga nalo mfanekiso.
Ekugqibeleni, izityholo. Kwaye kukuba ngaphambi kokubhida okulungileyo, kuyimfuneko ukujonga ukuba ineendleko ezongezelelweyo, ezifana namatyala, i-mortgage yangoku okanye ezinye iimali ezimele zijeziswe kwimeko yokuzuza. Xa sele ungaphakathi kwicandelo lepropathi ethile, umba womthwalo uchazwa kwithebhu 'yempahla'.
Okokugqibela, ukuba indawo iyathengiswa, uya kuba neentsuku zokusebenza ezingama-40 zokuhlawula. Kodwa ukuba ishiywe, oko kukuthi, ukuba akukho mntu ubiza, ngokwenqaku le-671 yoMthetho weNkqubo yoLuntu (LEC), umbolekisi phakathi kweentsuku ezingama-20 emva kokuvalwa kwefandesi unokucela ukugwetywa kwepropati kwi-50%. lexabiso eyafakwa ngalo kwifandesi okanye lemali etyalwa yiyo. Kuya kwahluka ngokuxhomekeke ekubeni ngaba kukuhlala umntu onetyala okanye hayi (70%). Ukuba umbolekisi akasebenzisi eli lungelo kwixesha elikhankanywe ngasentla, ukunyuswa ("ukuphakamisa") kokuqhotyoshelwa kunokuyalelwa.
Uninzi lolwazi olufanelekileyo
I-Ofisi ye-Electronic yoLawulo lweRhafu inikezela ngeempendulo kwimibuzo efanelekileyo kwi-portal yefandesi ye-BOE:
Ngaba ndingarhoxisa ifandesi okanye ndiyiguqule idatha yayo, xa iqinisekisiwe kwi-portal yefandesi? Hayi. Iibhidi eziqinisekisiweyo kwi-portal yefandesi ayinakurhoxiswa okanye iguqulwe. Ngesi sizathu, kubalulekile ukuba ngaphambi kokuqinisekisa unikezelo, uphonononge ngononophelo idatha yonikezelo oluza kuqinisekiswa.
Ingaba uvimba wefandesi unawuphi umphumo? I-Portal iya kubuza umntu othengisayo kube kanye ukuba banqwenela ukugcinelwa unikezelo lwabo oluphezulu. Oku kuya kuba ngexesha lokhuphiswano lokuqala lomthengi kwifandesi. Nje ukuba ufake ibhidi ebonisa ukuba ufuna ukwenza uvimba, zonke iibhidi ezilandelayo kwifandesi enye ziya kufakwa kunye nebhidi egciniweyo. Kwakhona, wakube ubeke ithenda ebonisa ukuba AWUFUNI ukubeka uvimba, zonke iibhidi ezilandelayo kwifandesi enye ziya kufakwa ngaphandle kwebhidi ebekelwe.
Kwimeko apho unqwenela ukwenza ibhidi yexabiso elingaphantsi okanye elilingana nexabiso eliphezulu, inkqubo iya kukuvumela kuphela ukuba uyakwamkela ugcino lwebhidi yakho de kunikezelwe ibhaso lefandesi, kuba awuyi kuba nakho ukubakho. ophumeleleyo wokugqibela ukuba ababhidi kunye neebhidi eziphezulu balahlekelwa ixabiso.
Ngaba ungafumanisa ukuba bangaphi ababhidi ababhidayo kwifandesi kwaye ngawaphi amaxabiso abawanikezelayo? Inkqubo ibika kuphela ibhidi ephezulu ukuza kuthi ga ngoku okanye akukho nanye. Ayiboneleli ngolwazi malunga nabaniki-maxabiso abathatha inxaxheba kule fandesi okanye abo benza ibhidi ethile. Nabani na othatha inxaxheba uya kwaziswa ngekhompyutha ukuba kukho umnikelo oye wagqithisa kulowo wawunikwe ngaphambili ukuze naye akwazi ukuwuphucula. Ngakolunye uhlangothi, ayiyi kukwazisa kwezo zinikezelwe ngaphantsi kwexabiso layo.
Dans tous les cas, kubalulekile ukuqaphela ukuba kunokwenzeka ukuzonwabisa des enchères en dessous de l'enchère la plus elevée, notamment lorsque les prix proposés par d'autres enchérisseurs peuvent sembler éleves et non vajustéurs marchande la good . Ukuba unomdla wokwenene kwinto, ungayigcina ifandesi yakho ngokubhida ngezantsi kwexabiso eliphezulu ocinga ukuba lilungile, nangona idiphozithi iya kubanjwa ixesha elide ekupheleni kwefandesi.
Ngaba unokwazi ukuba isinikezelo sethu sisecaleni koyena mntu uthengisa kakhulu? Inkqubo ayiniki ulwazi malunga nayo. Ayiyi kwabanye abaniki maxabiso okanye iOfisi yoBuyiselo noLawulo lweAsethi. Yakuba ifandesi iphelile, inkqubo ibonelela kuphela i-Asethi yoLawulo kunye ne-Ofisi yoBuyiselo neenkcukacha zoyena mntu uthengisa ngexabiso eliphezulu kunye nexabiso elinikiweyo. Kuphela kwimeko apho oyena mntu ukwixabiso eliphezulu engalihlawuli ixabiso ngelo xesha libekiweyo, iOfisi yokuQokelelwa noLawulo lwee-Asethi iya kucela ingcaciso kumntu okwisibini uphezulu othe wabeka ibhidi, njalo njalo.
