Ukungena kwe-Abn amro
Kodwa kuthekani ngabanini-zindlu bexesha elide? Loo minyaka ye-30 yentlawulo yenzala inokuqala ukubonakala njengomthwalo, ngakumbi xa ithelekiswa neentlawulo kwiimali-mboleko zangoku kunye nenzala ephantsi.
Nangona kunjalo, nge-15 ye-refinance yeminyaka, unokufumana inzala ephantsi kunye nexesha elifutshane lemali-mboleko ukuze uhlawule imali-mboleko yakho ngokukhawuleza. Kodwa hlala ukhumbula ukuba ixesha elifutshane lokubolekwa kwezindlu, kokukhona intlawulo yakho yenyanga-mboleko iya kuba phezulu.
Kwinqanaba lenzala ye-5% kwiminyaka esixhenxe kunye neenyanga ezine, iintlawulo zakho ze-mortgage eziqondiswe ngokutsha ziyalingana ne-135.000 yeedola. Akagcinanga nje inzala engama-59.000 yeedola, kodwa ukwanediphozithi yemali eyongezelelweyo emva kwexesha lemali-mboleko yeminyaka engama-30.
Enye yezona ndlela zilula zokwenza intlawulo eyongezelelweyo ngonyaka kukuhlawula isiqingatha sentlawulo yendlu yakho rhoqo emva kweeveki ezimbini endaweni yokuhlawula imali epheleleyo kanye ngenyanga. Oku kwaziwa ngokuba "ziintlawulo zeveki ezimbini."
Nangona kunjalo, awukwazi ukuqalisa ukwenza intlawulo rhoqo kwiiveki ezimbini. Umnikezeli-nkonzo wemali-mboleko unokubhideka kukufumana iintlawulo ezingaphelelanga nezingaqhelekanga. Thetha nomntu obolekisa ngemali yakho kuqala ukuze nivumelane ngesi sicwangciso.
Hlawula imali-mboleko yokuqala eNetherlands
Jonga ukuba umi phi na ngokwasezimalini Ukufumanisa ukuba ukulungele na ukuthatha ityala elitsha, unokulinganisa ukuma kwakho kwetyala ngokusekelwe kwiikhrayitheriya ezisetyenziswa ngababolekisi xa bephonononga isicelo sakho. Xa ufaka isicelo seakhawunti entsha yetyala, ababolekisi bayasivavanya isicelo sakho ngokusekelwe kwizinto ezingundoqo ezaziwa ngokuba zii-5 C's zetyala.
Into eyi-Collateral yi-asethi yobuqu onayo, efana nemoto, iakhawunti yokonga, okanye ikhaya. Kutheni le nto ibalulekile iSibambiso kubabolekisi ngemali kuba iyawuphelisa umngcipheko abawuthathayo xa bekunika ityala. Ukusebenzisa ii-asethi zakho njengesibambiso kukunika iindlela ezininzi zokuboleka imali, kubandakanywa nee-akhawunti zetyala ezinokuba nenzala ephantsi kunye nemigaqo engcono. Ukusebenzisa isibambiso Ukuba une-asethi, efana ne-equity yendlu yakho, unokuyisebenzisa njengesibambiso ukuze ufumane imali-mboleko, nto leyo ekuvumela ukuba uxhamle kumyinge wetyala eliphezulu, imiqathango engcono kunye nenzala ephantsi. Kodwa khumbula ukuba xa usebenzisa i-asethi njengesibambiso, umbolekisi unokuba nelungelo lokuyithimba ukuba imali-mboleko ayihlawulwanga.
Imali-mboleko yomfundi eNetherlands
Xa uhlawula imali yakho yokubambisa kwaye uhlangabezane nemigaqo kunye nemiqathango yesivumelwano sakho semali mboleko, umbolekisi akayeki ngokuzenzekelayo amalungelo kwipropati yakho. Kufuneka uthathe amanyathelo athile. Le nkqubo ibizwa ngokuba yimali-mboleko yezindlu.
Le nkqubo iyahluka ngokuxhomekeke kwiphondo okanye ummandla wakho. Kwiimeko ezininzi, usebenza negqwetha, unobhala wenkundla, okanye umkomishinala wesifungo. Amanye amaphondo kunye nemimandla ikuvumela ukuba wenze umsebenzi ngokwakho. Gcina ukhumbula ukuba nokuba uyenza ngokwakho, unokufuna ukufumana amaxwebhu akho abhalwe ngumsebenzi oqeqeshiweyo, njengegqwetha okanye notary.
Ngokuqhelekileyo, umbolekisi wakho uya kukunika isiqinisekiso sokuba uyihlawule ngokupheleleyo imali-mboleko. Uninzi lwababolekisi aluthumeli esi siqinisekiso ngaphandle kokuba usicelile. Jonga ukuba ngaba umbolekisi wakho unenkqubo esesikweni yesi sicelo.
Wena, igqwetha lakho okanye ummeli wakho kufuneka anike iofisi yobhaliso lwepropathi ngawo onke amaxwebhu ayimfuneko. Nje ukuba amaxwebhu afunyenwe, ukubhaliswa kwepropati kuphelisa amalungelo omboleki kwipropati yakho. Bahlaziya isihloko sepropathi yakho ukubonisa olu tshintsho.
Ingaba ibhanki ithatha ixesha elingakanani ukubuyisela iindleko zokubambisa? okwangoku
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezibali zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
Unikezelo oluvela kule ndawo lusuka kwiinkampani ezisibuyekezayo. Le mbuyekezo inokuphembelela indlela kunye nalapho iimveliso zivela khona kule sayithi, kubandakanywa, umzekelo, indlela ezinokuvela ngayo kwiindidi zodweliso. Kodwa le mbuyekezo ayichaphazeli ulwazi esilupapashayo, okanye nophononongo olubonayo kwesi siza. Asibandakanyi indalo yonke yeenkampani okanye izibonelelo zemali ezinokufumaneka kuwe.
Siyinkonzo yothelekiso ezimeleyo, exhaswa yintengiso. Injongo yethu kukukunceda wenze izigqibo zemali ezikrelekrele ngokubonelela ngezixhobo ezisebenzisanayo kunye nezixhobo zokubala zemali, ukupapasha umxholo wokuqala kunye nenjongo, kwaye ikuvumela ukuba wenze uphando kwaye uthelekise ulwazi simahla, ukuze wenze izigqibo zemali ngokuzithemba.
