I-100 yenkxaso-mali ye-mortgage yotyalo-mali lwe-real estate
I-mortgage ekhuselekileyo ithetha ukuba ilungu losapho liyavuma ukuqinisekiswa kwentlawulo ye-mortgage. Uninzi lwababolekisi-mali lufuna ukuba umnikezeli abe nendlu nokuba impahla yakhe isetyenziswe njengesibambiso semali-mboleko. Oku kuthetha ukuba ikhaya lakho linokuba semngciphekweni ukuba awuyihlawuli imali yokubambisa. Unokufumana iimali mboleko ezibambiseneyo apho ugcino lusetyenziswa njengesibambiso endaweni yepropathi. Kule meko, i-guarantor inokunikezela ngemali yokonga ukuhlawula imali mboleko yakho ukuba awukwenzi. Nokuba yeyiphi na indlela, i-guarantor yenza isibophelelo esikhulu semali egameni lakho, kwaye kuya kufuneka uthethe nabo ukufumanisa ukuba bazimisele ukwenza njalo. Okukhona idiphozithi iphezulu, kokukhona inzala yenzala ingcono
I-Mortgage yaseJamani
Unokusebenzisa amalungelo akho okufikelela, ukurhoxiswa, ukulungisa kunye nokuchasa ngokuthumela isaziso esibhaliweyo ku: PASSEIG DE GRACIA 85 PLANTA 8 08008, BARCELONA Ngaphandle kokuba uxelelwe ngenye indlela, siyaqonda ukuba iinkcukacha zakho zomsebenzisi azikatshintshwa, ukuba uyavuma ukusazisa naluphi na utshintsho, kwaye sigunyaziswe nguwe ukuba siqhubeke le datha.
Enkosi kuJoan Domingo sikwazile ukutyikitya imali-mboleko ebesizama ukuyenza ixesha elide. Uye wasinceda kuwo onke amathandabuzo ethu kwaye ayengembalwa. Wawanyamekela onke amaphepha waza wakhangela eyona ifaneleka kangangoko kunokwenzeka. Ndinamazwi ombulelo kuphela. I-100% iyacetyiswa. Kwaye kwakhona… Iwaka enkosi kuJoan.
Ingqalelo egqwesileyo. Kwimeko yethu sacetyiswa nguManel, ulawulo lwakhe lwalukhawuleza kakhulu kwaye lusebenza kakuhle. Uphendule yonke imibuzo yethu ngendlela ecacileyo kwaye ngalo lonke ixesha lokuthengiselana wayenomdla ekuqondeni kwethu kwaye efumaneka ngamaxesha onke.
I-Mortgage yaseJamani
Kwiimali ezininzi zokubolekwa kwezindlu, uhlawula ipesenti yexabiso lekhaya ngaphambili (idiphozithi), kwaye umbolekisi uhlawula enye (i-mortgage). Umzekelo, kwi-80% yemali mboleko, kuya kufuneka ubeke idiphozithi engama-20%.
Umqinisekisi wakho unokufaka imali kwi-akhawunti yokulondoloza kunye nombolekisi we-mortgage, ngokuqhelekileyo i-10-20% yexabiso lekhaya. Iya kuhlala apho iminyaka emiselweyo. Ngeli xesha, i-guarantor ayiyi kukwazi ukurhoxisa nayiphi na imali.
Xa une-100% ye-mortgage, usemngciphekweni wokungena kwimeko ye-equity engalunganga. Ukuba oku kuyenzeka, kunokubangela iingxaki ukuba ufuna ukuboleka imali okanye ukuhambisa izindlu. Ungaphela uvaleleke kumyinge oguquguqukayo oqhelekileyo wombolekisi wakho kwaye uhlawule ngaphezulu kunokuba ubuya kwenza ngomnikelo okhuphisanayo ngakumbi.
Ewe, kukho abanye ababoneleli bemali-mboleko abaya kukuvumela ukuba ube nediphozithi yethutyana. Idla ngokuba yi-10% yexabiso lekhaya, ekufuneka linikezelwe ngumqinisekisi, njengomzali okanye isizalwane.
Ngediphozithi yethutyana, imali ifakwa kwi-akhawunti yokulondoloza ekhethekileyo ixesha elimiselweyo. Idla ngokuba lixesha ekufuneka umthengi alithathe ukuhlawula isixa-mali semali mboleko esikwi-akhawunti yokonga.
I-100% yenkxaso-mali ye-mortgage evela kwimanyano yamatyala
100% mortgages zazifumaneka de ekupheleni kwekota yokuqala ka-2008 kwaye ke phantse jikelele ukurhoxiswa, abanye ababolekisi basabanika ukuba iintlobo ezithile zabathengi (oogqirha, amagqwetha, accountants), kodwa izithintelo kuthetha ukuba ubukhulu becala 100% mortgages. eIreland zizinto zexesha elidluleyo.
Ukuba uyafaneleka, kukho iimfuno ezingqongqo, kwaye iibhanki ezininzi ziye zayeka ukunika inkonzo ye-100% nakubathengi "abachwepheshile". Nangona kunjalo, kusekho ukhetho olukhoyo kwaye umntu osebenza naye kwi-Irish Mortgage Brokers uya kuba nakho ukukukhokela kwi-maze yokhetho kunye nokuqwalaselwa ukuze wenze ezona zigqibo zingcono xa ufumana imali yakho yokuqala yokubambisa.
Kubatyali-mali abafumana i-100% ngokubanzi kuthetha ukuba une-equity kwenye ipropati kwaye olu lungelelwaniso lubonelela ngokhuseleko lwe-100% yokhetho lwemali. Kuyo nayiphi na imeko, i-arhente yakho iya kuba nako ukukuxelela eyona ndlela ilungileyo yokuboleka imali yakho kunye neenzuzo kunye neengxaki zaso nasiphi na isigqibo.
