I-Lanzarote yokubala i-mortgage
Ndineenyanga ezi-7 emva kwexesha kwi-mortgage evela eLa Caixa. Zininzi izinto ezenzekileyo ezindibeke kule meko, kuquka nokungakhathali kukamanejala wesebe wangaphambili, ibhanki ithe cwaka, imgxotha ngelithi ifuna ukulungisa le meko ingajongi ngasemva.
Kwandithatha iinyanga ezi-4 ukufumana intlanganiso nomphathi wesebe, owakha wakhanyela ukuba wayekhe wafumana iileta ezivela kum, phezu kwako nje ukumbonisa iziqinisekiso zokuziswa kwezinto nokunika iikopi kumphathi omtsha wesebe.
Kule ntlanganiso bandixelela ukuba bazondinika isisombululo ngeentsuku ezisi-7 kwaye emva kokulinda iiveki ezi-2 ndathetha nomphathi wesebe owandixelela ukuba ingcebiso yakhe yayikukuba ndifunele umntu oliNgesi edolophini aze ambuyisele kwizindlu zakhe ukuze anike. ndithathe imali yokuhlawula amatyala. Wathi akukho enye into abanokuyicinga.
Ndabhala kwakhona kumlawuli wendawo, ngokucacileyo ndigatya iziphakamiso zeebhanki kwaye ndimnike iintlawulo ezincitshisiweyo kunye nemihla yokuphonononga, kunye neengcebiso ezi-3 zokuqhubela phambili kwimeko, ebonisa kwakhona ukungakhathali kwabalawuli bebhanki bangaphambili.
Qhagamshelana neCaixa Bank yaseSpain
Abathengi bethu (ngaphezu kwama-440.000 abasebenzi abazisebenzelayo, i-115.000 yamashishini amancinci [abantu abanengeniso efikelela kwizigidi ezi-2 zeeyuro] kunye namashishini amancinci angama-52.000 [abantu abanengeniso ephakathi kwe-2 ne-10 lezigidi zeeyuro]) banokuthatha imali-mboleko imali yokusebenza ukuze bahlawule iimfuno zabo ngesithuba seenyanga ezingama-24. Le misebenzi icutshungulwa ngoko nangoko kwaye ayifuni maxwebhu ongezelelweyo.
Phakathi kwemilinganiselo ebandakanyiweyo kwisicwangciso yinkxaso-mali ethile, ukuncitshiswa kweentlawulo zee-terminals point-of-sale-sales kunye nokuqaliswa kwesisombululo esitsha sezobuchwepheshe sorhwebo lwe-elektroniki ukunceda oosomashishini bakhulise ukuthengisa kwabo kwi-intanethi ngokusebenzisa inethiwekhi yoluntu ngaphandle kwesidingo sokuba newebhusayithi.
Ukuququzelela ukuthotyelwa kweziphakamiso ezikhutshwe ngabasemagunyeni malunga nokushukumiseka kunye nempilo, siye samkela imilinganiselo ekhethekileyo kwaye sinikezela ngenkonzo ephambili kumasebe kubathengi bethu abangaphezu kweminyaka engama-65 ubudala, apho i-1,8 yezigidi ifumana umhlala-phantsi nge-debit ngqo .
Ukuxhasa abantu abakwimeko esengozini (ngenxa yokungaqeshwa, izicwangciso zokuyeka umsebenzi okwethutyana kunye nabasebenzi abazisebenzelayo abanomsebenzi oncitshisiweyo okanye onqunyanyisiweyo), siye sarhoxisa iintlawulo zerente kwiipropathi zethu ngexesha lemeko yonxunguphalo.
hibank
Ngekhadi letyala, uhlawula ukuthenga ngaphandle kokusebenzisa ibhalansi yeakhawunti yakho. Ikhadi lakho linomlinganiselo wetyala owabelweyo (elona xabiso liphezulu lenyanga onokuthi ulichithe) kwaye ekupheleni kwexesha ekuvunyelwene ngalo (ngokuqhelekileyo nyanga zonke) kufuneka uhlawule imali obuyisebenzisile ekuthengeni kwakho. Unokwenza ngokwezifiso imiqathango yentlawulo yekhadi lakho letyala kwaye uhlawule oko ukuchithile ngeveki, ngenyanga okanye ngolunye usuku oluqinisekileyo (lonke ixesha une-500 ye-euro ekhoyo, umzekelo). Ukuba uhlawula yonke ikhredithi yakho ngomhla wentlawulo ekuvunyelwene ngayo, awuhlawuli nzala.
Kwelinye icala, ungatshintsha indlela yokuhlawula yekhadi lakho kwintlawulo erhoxisiweyo (ukuhlawula kuphela isixa-mali setyala (esisetyenziswayo) nyanga nganye) -+ ulwazi ngentlawulo emisiweyo (ejikelezayo) - okanye intlawulo ngezavenge (ukwahlula intlawulo yentlawulo yetyala). ukuthenga ikhonkrithi kwiinyanga ezininzi). Kuzo zombini ezi meko kuya kufuneka uhlawule inzala.
Ikhadi elihlawulelwayo (elikwabizwa ngokuba likhadi lemali) liyafana nekhadi lebhanki kuba xa uhlawulela ukuthenga usebenzisa imali yakho kungekhona le ebesikuboleke yona (njengaxa usebenzisa ikhadi lokuthenga ngetyala). Nangona kunjalo, ngokungafaniyo nekhadi lebhanki, ikhadi elihlawulelwayo alidityaniswanga nayo nayiphi na iakhawunti yebhanki. Likhadi nje olayisha kulo imali (isixa osifunayo) kwaye unokusisebenzisa de ibhalansi elayishiweyo iphele. Ungayilayisha kwakhona ibhalansi kaninzi njengoko ufuna, ukuze uhlale ulawula inkcitho yakho.
ICaixabank
Unokusebenzisa amalungelo akho okufikelela, ukulungiswa, ukuchasa unyango, ukucima, ukulinganiselwa kunyango, ukuphatheka kwedatha yakho yobuqu, ukurhoxiswa kwemvume kunye nokungabi phantsi kwezigqibo ezizenzekelayo ngokuhambelana nomthetho.
Ayizizo zonke iinkcukacha esikwazisa ngazo ezisetyenziselwa yonke imisebenzi yokucwangcisa idatha. Unokubonisana nohlobo oluthile lwedatha esetyenzisiweyo kumsebenzi ngamnye wokucubungula kwicandelo lesi-6, apho imisebenzi yokucubungula idatha esiyenzayo icacisiwe.
Ukongeza kulungiso olubanzi oluchazwe ngezantsi, singenza imisebenzi ethile yokucubungula engakhankanywanga kulo mgaqo-nkqubo ukuphendula izicelo zakho zeemveliso okanye iinkonzo. Ulwazi oluthe vetshe malunga nale misebenzi yokucubungula iya kunikezelwa kuwe ngexesha lokusetyenzwa kwesicelo esithile.
Injongo: Ukuba sinemvume yakho, siya kusebenzisa idatha eboniswe ngezantsi ukwenza iprofayile yezorhwebo kuwe, eya kusivumela ukuba sichaze izinto ozikhethayo okanye iimfuno kwaye sikunikeze, ngomcebisi wakho, iimveliso kunye neenkonzo ezithengiswayo ziinkampani ezisebenza njenge. Ukusetyenzwa kwedatha kwaye esicinga ukuba inokuba nomdla kuwe ngokwezo zikhetho kunye neemfuno.
