Ngaba ungafumana imali yokubambisa ngesithembiso somsebenzi?
Ayingabo bonke ababolekisi abafuna ukuba ube usemsebenzini wakho ixesha elingaphezu konyaka. Ngapha koko, ababolekisi abaninzi bayaqonda ukuba izizukulwana eziselula zifunwa kakhulu, zinezakhono eziphezulu, kunye namathuba omsebenzi atshintsha ngokukhutheleyo imisebenzi efuna imivuzo ephezulu okanye iimeko ezingcono zokusebenza.
Umbolekisi wethu ongcono kubantu abanemisebenzi emitsha banokuvuma ukubolekwa kwezindlu kubantu abebesemsebenzini ubuncinci usuku, kwimeko nganye. Abanangxaki nabantu abaye bakulomsebenzi wabo omtsha inyanga e-1, iinyanga ezi-3, iinyanga ezi-6 nangaphezulu.
Ungacela imali-mboleko ukuya kutsho kuma-90% exabiso lepropati oza kuyithenga. Ukuba ukwimeko eyomeleleyo yemali, ngoko ke i-95% yemali mboleko inokufumaneka. Iipakethe ezithotyiweyo zobungcali, iimali-mboleko ezisisiseko kunye nemigca yetyala nazo ziyafumaneka.
Uninzi lwabathengi bethu bayasibiza kuba bakwinkqubo yokushiya inkampani yabo yangoku kwaye baqale indawo entsha kwenye indawo. Kwiimeko ezininzi, banamava abanzi kwishishini labo kwaye banokutshintsha imisebenzi ukuze bathathe ithuba lokufumana okungcono okanye bazingelwe yiarhente yokufuna abantu.
I-Mortgage engaphantsi kweenyanga ezi-6 zengqesho
Iimfuno ezisisiseko zamazwe ngamazwe eNetherlandsUkufumana imali yokubambisa yaseDatshi, kufuneka ube nenombolo yeBSN. Ngaba uceba ukufudukela eNetherlands kwaye awunayo iBSN okwangoku? Sinokubala uhlahlo lwabiwo-mali lwe-mortgage ukuze ubone ukuba ungaboleka kangakanani ngaphandle kwenombolo ye-BSN.
Ngaba ndingafumana imali-mboleko eNetherlands ukuba ndinomsebenzi wethutyana? Ewe, unokufumana imali-mboleko yokuba unomsebenzi wethutyana. Unokufumana imali-mboleko eNetherlands ukuba unomsebenzi wethutyana. Ukuze ufumane i-mortgage, uya kucelwa ukuba ubhengeze injongo. Ngamanye amazwi, kufuneka uzimisele ukuqhubeka nomsebenzi wakho nje ukuba isivumelwano sakho sethutyana siphelile. Ukongeza, kufuneka unikeze uluhlu lwamaxwebhu esicelo se-mortgage.
Enye yeemfuno zokufumana i-mortgage eNetherlands ngokukhawuleza kukuba nekhontrakthi engapheliyo. Ukuba unesivumelwano esingenasiphelo, inkqubo yakho yesicelo semali-mboleko iya kukhawuleza. Amaxwebhu ongezelelweyo afunekayo ukuze ufumane i-mortgage e-Netherlands ngala:
I-Mortgage engaphantsi kweenyanga ezi-3 zengqesho
Oko kwathiwa, iinkcukacha zemeko yakho zibalulekile. Umzekelo, ukuba utshintsha ukusuka kwesinye isikhundla ukuya kwesinye ngengeniso efanayo okanye ephezulu, kwaye unokubonelela ngamaxwebhu embali yomvuzo wakho, unokukuphepha ukuphazamiseka kwinkqubo yokuvuma imali-mboleko.
Ukuba uceba ukutshintsha imisebenzi ngexesha lenkqubo yesicelo se-mortgage, kubalulekile ukwazisa umbolekisi wakho ngokukhawuleza. Kwanasemva kokuba imali-mboleko yamkelwe, kulumkele ukutshintsha imisebenzi. Ababolekisi abaninzi baya kwenza itshekhi yokugqibela ukuqinisekisa ukuba umsebenzi wakho kunye nomvuzo wakho awutshintshanga ukususela ekuvunyweni kokugqibela kwemboleko.
Ukuba ungumsebenzi ohlawulwayo okanye ngeyure ongafumani ngeniso eyongezelelweyo kwiikhomishini, iibhonasi, okanye ixesha elongezelelweyo, kwaye ufudukela kumsebenzi ofanayo kunye nesakhiwo sentlawulo efanayo kunye nomqeshi omtsha, unokuba nangxaki ekuthengeni indawo yokuhlala.
IKhomishini, ibhonasi kunye nengeniso yexesha elongezelelekileyo idla ngokuba yi-avareji kwiinyanga ezingama-24 ezidlulileyo. Ke ngoko, ukuba awunayo imbali yeminyaka emibini yokufumana olu hlobo lomvuzo, kuya kuba nzima ukufumana imali-mboleko. Ukutshintshela kolu hlobo lwesakhiwo somvuzo kunokukubangela intloko ebuhlungu kwaye mhlawumbi ide iphazamise imvume yakho yokubambisa.
Ndingayifumana imali mboleko ngaphandle komsebenzi ukuba ndinogcino e-UK?
Ngaba uyafuna ukuthenga indlu kodwa awunamsebenzi osisigxina kwinkampani yakho? Nangona kunjalo kunokwenzeka ukuba ufake isicelo se-mortgage. Ngokucacileyo, kukho iimeko ezongezelelweyo eziyimfuneko. Abacebisi bethu abanamava ngezemali mboleko banempendulo ezaneleyo kuyo yonke imibuzo yakho. Ukongeza, bakwangabahlalutyi bamatyala kwaye bahlola ezinye iindlela zengeniso. Ngenxa yesi sizathu, nge-mortgage ngaphandle kwekhontrakthi engapheliyo okanye incwadi yenjongo, kuninzi kunokwenzeka kunokuba bekucingelwa ekuqaleni. Ngaba uyafuna ukufaka isicelo semali mboleko kungekudala? Awona magama abalulekileyo oya kuhlangana nawo kulo mxholo "yi-term contract mortgage" kwaye "akukho neleta yemali yokubambisa ngenjongo". Kweli phepha sicacisa banzi.
Nangona unokukrokrela ngenye indlela, njengomqeshwa unako ukukhetha ukwenza ikhontrakthi yokubambisa ngaphandle kwesivumelwano esingenammiselo okanye ileta yenjongo. Kuxhomekeke kwimeko yakho yobuqu ukuba yintoni kanye kanye iimeko ezongezelelweyo ezibandakanya kuthetha. Phakathi kwezinye izinto, uhlobo lomsebenzi lunempembelelo. Emva kwayo yonke loo nto, ixabiso lomvuzo wakho libalulekile ekumiseleni isixa semali-mboleko. Ikhontrakthi yethutyana inokuthetha ukuba uya kufumana ikhontrakthi esisigxina kungekudala. Emva koko kunokwenzeka ukuba ucele umqeshi wakho ileta yenjongo. Ukuba iimeko zombutho azitshintshi kwaye uqhubeka usebenza njengangoku, olu xwebhu lubonisa ukuba ikhontrakthi elandelayo iya kuba yinto engapheliyo. Ukuba ufaka isicelo semali mboleko ngaphandle kwesivumelwano esingenammiselo okanye ileta yenjongo, umvuzo wakho wangoku uya kuqwalaselwa.
