Ngaba ndingayisusa imali yam ye-vpo kwangethuba?

Ixesha lokuqala amantombazana adla iJollibee Chicken Joy Mukbang

Ngaba ucinga ukuthenga ikhaya kodwa awazi ukuba zithini iindleko zentengiselwano? Qaphela oko; Akufunekanga uhlawule kuphela isixa esixabisa indlu; intengiselwano ibandakanya ezinye iirhafu ekuya kufuneka uzihlawule, kunye nezinye iindleko. Ezizi? Indlela yokubala iindleko zokuthenga ikhaya?

Abantu bahlala becinga ukuba inyathelo lokugqibela ekuthengeni ikhaya kukusayinwa kwesivumelwano sokuthenga. Nangona kunjalo, kukho iindleko ezithile ekufuneka zithathelwe ingqalelo xa kuthengwa iflethi okanye indlu. Akwanelanga ukuhlawula indlu, nokuba konke kanye okanye nge-mortgage, ekubeni kufuneka uhlawule irhafu ukuze usebenze ngokusemthethweni kwaye ube ngumnini osemthethweni wepropati.

Kufuneka wonge malini ukuze uthenge indlu? Ukuba ucinga ukuthenga ikhaya, into yokuqala omawuyenze (ukongeza ekukhetheni ipropati) kukufumana malunga neerhafu ezihlawuliswa yi-Autonomous Community apho uya kuthenga ikhaya, kuba zinokuhluka. Ngoku, ezinye iindleko zezi:

Umlinganiselo wombane we-DC kunye ne-oscilloscope

Ndinendawo yokuhlala eSpain kwiminyaka eyi-7 edlulileyo, kwaye ndahlawula ixabiso elipheleleyo lemarike ngexesha lokuthenga kumthengisi waseSpain. Ndine-mortgage kunye ne-Banco BBVA endiyihlawule kwiminyaka eyi-3 edlulileyo. Kutshanje ndicele iSivumelwano ebhankini njengoko bendicinga ukuthengisa indlu kunye nokuthenga iVilla encinci,

Ngaba kuyinyaniso ukuba oko kubhaliweyo kwi-Escitura ngumthetho waseSpain, (njengoko izenzo zingumthetho eNgilani) okanye ngaba uxwebhu lweRegistry yoMhlaba luyayibhangisa into ebhalwe kwi-Escitura. Ndineekopi zawo omabini amaxwebhu endinokuthi ngefeksi ukuba ayanceda. Ndixakiwe ukuba mandiqhube njani ukufumana ubunyani ngalo mba. Naliphi na icebiso onokundinika lona liya kuthakazelelwa kakhulu.

I-VPO yindlu efikelelekayo kurhulumente. Ndicinga ukuba eyona ngqamaniso ikufutshane enokwenziwa ne-UK ikunye noMbutho weZindlu. Umyalelo we-VPO kwipropati unobomi obusekwe ngaphambili obuluncedo - i-20 ukuya kwi-25 iminyaka. Njengoko ndiyiqonda, ipropathi eneVPO inokuthengiswa kuphela okanye ithengwe phakathi kwabahlali baseSpain abakwinqanaba elithile lomvuzo (nangona ngokwembali abanye baye bachwechwela kwinethiwekhi). Ngaloo ndlela, ithengiswa ngexabiso elincitshisiweyo kwaye iya kuba nexabiso lebhanki elincitshisiweyo kubomi be-VPO kuba ayinakuthengiswa kwimarike evulekileyo. Ngokomzekelo, ndibe nomxhasi oye wagqiba ukuthenga ipropati yeVPO eFuengirola malunga ne-2 kwiminyaka edlulileyo. I-VPO yayiphelelwe lixesha, kodwa akukho mntu wayezihlupha ngokuyibhalisa ngolo hlobo kurhulumente wengingqi okanye kwiRejista yoMhlaba – le nkqubo ithathe phantse iinyanga ezingama-20. Umthengisi, enyanisweni, wayengenakukwazi ukuthenga ipropati kwindawo yokuqala xa ithe yathengwa kwiminyaka eyi-10 edlulileyo (njengoko babengengabahlali), kodwa ngokucacileyo into eyenzekayo kwi-notary ngelo xesha akukho mntu uyaziyo. ngoku sikwi-2007. Umthengi wayehlawula i-€ 190.000 yendawo yokuhlala kodwa ukuvavanya ngokusemthethweni kwexabiso elinikiweyo laliyi-66.000 ye-€ . Umthengisi kwafuneka ahlawule "i-fine" (iifizi zolawulo) ukuba akhululwe kwi-VPO nangona iphelile. Umthengisi ka-2005/7 wayehlawule imali xa wayethenga indawo yakhe ngo-1995 kwaye akazange asebenzise igqwetha, ngoko ke uThixo uyazi ukuba kwenziwa ntoni.

I-seafood mukbang, i-shrimp tempura kunye ne-chips ezinongwe

Isithintelo ngumyalelo okhutshwa yinkundla osetyenziselwa ukuthintela umntu ukuba enzekalisa omnye. Ngokubanzi, umyalelo udla ngokuchonga umntu othile kwaye unike imiyalelo eneenkcukacha yokwenza okanye ukungenzi isenzo esithile. Ngokomzekelo, kunokukhutshwa umyalelo othintelayo wokuyalela lowo wayesakuba liqabane ukuba ahlale kude neqabane lawo langaphambili.

Nangona imiyalelo yokuthintela isoloko isetyenziselwa ukuthintela ukwenzakala ngokwasemzimbeni, inokunikwa nakwiimeko apho umntu efuna ukukhuselwa kukwenzakala ngokweemvakalelo okanye ngokwemali. Xa ubhekisela kwezi zimbini zokugqibela, umyalelo wokuthintela ngamanye amaxesha ubizwa ngokuba "ngumyalelo."

Umzekelo, umyalelo othintelayo unokufuna ukuba umntu ayeke ukuqhagamshelana neqabane lakhe langaphambili. Isigunyaziso siya kugubungela naluphi na uhlobo loqhagamshelwano, kubandakanywa ngomnxeba (umzekelo, iifowuni okanye imiyalezo), nge-imeyile okanye ngeposi eqhelekileyo, ngokubathumelela izipho okanye amanqaku, okanye ngokuzama ukunxibelelana nabo kusetyenziswa abanye abantu (umzekelo. , "Xelela iqabane lam langaphambili ukuba...").

I-PS KANJHAWALA ABASEBENZI BASOMLULULWE 04 I-SENSATIONAL

Nationwide Mortgage Bankers Inc. yasekwa kwinkolelo yokuba ukufezekisa iphupha laseMelika lobunini bezindlu kufuneka kube yinkqubo elula kwaye engenaxinzelelo. Sikholelwa ngokuqinileyo ukuba eyona ndlela yokunceda abathengi bethu ayikokubafundisa kuphela ngeendlela zabo zokufumana inkxaso-mali yamakhaya, kodwa nokubabonelela ngeyona nkonzo ingcono, iingcebiso, kunye nolwazi lwentengiso kunye nemveliso. Nokuba uthenga ikhaya lakho lokuqala, ipropathi yotyalo-mali, okanye uxhasa ngemali-mboleko yakho yangoku, singathanda ithuba lokukunceda kwaye ufumane intembeko yakho.

Ipesenti yoNyaka (APR) iqala ukusebenza nge-15/9/17. Amaxabiso asekelwe kumndilili we-2017 weLizwe lonke we-Mortgage Banker abathengi be-FICO. Ayisosithembiso sokungena kwixabiso lenzala okanye isivumelwano sesaphulelo. Nasiphi na isivumelwano esinjalo sinokwenziwa kuphela ngokubhaliweyo ngumboleki kunye nombolekisi. ILizwe lonke i-Mortgage Bankers inelungelo lokutshintsha okanye ukurhoxisa olu nikezelo ngaphandle kwesaziso. Ngokuxhomekeke kwimithetho nemigaqo esebenzayo. Intlawulo yenyanga ayibandakanyi i-inshurensi yokubambisa, i-inshurensi yomninimzi, irhafu yepropathi, kunye ne-HOA.