Ikhontrakthi kunye ne-mortgage broker
Imali-mboleko idla ngokuqulunqwa ngendlela yokuba ibe sisivumelwano esibophelelayo xa umboleki esamkela. Imigaqo yekhontrakthi yomthetho oqhelekileyo isetyenziswa kwikhontrakthi yemali-mboleko. Xa ithe yasayinwa, ibhanki ithembisa ukuboleka phantsi komqathango wokuba iimeko ezahlukeneyo zangaphambili (imiqathango yangaphambili) ihlangatyezwane ngexesha elimisiweyo okanye elingachazwanga. Ukuba ukusilela kuyenzeka, ukuzibophelela kwemali mboleko yebhanki kudla ngokucinywa.
Umxholo kunye nobunzima besivumelwano semali-mboleko kuya kuxhomekeka kwiimeko. Uninzi lwababolekisi-mali lusebenzisa ifomu yesivumelwano semali-mboleko esemgangathweni. Iimeko ezithile, ezihambelana ngqo neemeko, zidla ngokufakwa ngeendlela zeemeko ezizodwa. Kwezinye iimeko, isivumelwano semali-mboleko sinokuthethathethwana ukusa kumlinganiselo othile. Kuninzi lwemisebenzi yokuthengisa, umboleki kunokwenzeka ukuba anikwe isivumelwano semali mboleko yomboleki-mboleko "kwimveliso" ekuthethwa ngayo.
Kwiimeko zabathengi, uMthetho weTyala loMthengi, iKhowudi yoKhuseleko loMthengi kunye neMimiselo yoLuntu lwaseYurophu (iSivumelwano soMthengi weTyala) inokusebenza, enokuthi imisele imiba emininzi yefomathi kunye nomxholo wesivumelwano semali-mboleko. Kule meko, izilumkiso ezinyanzelekileyo, ifomathi kunye nolwazi olufunekayo kufuneka lufakwe. Jonga icandelo elinikezelwe kwizivumelwano zeentengo zemboleko zabathengi. Apha sigxininisa kumatyala angengawo abathengi (nangona umthetho wetyala lomthengi ubanzi kububanzi kwaye, emdeni, awuqinisekanga).
Ukophulwa kwesivumelwano semali mboleko
Ngokufikelela okanye ukusebenzisa le Site, uyavuma ukuba ubotshelelwe kwesi siVumelwano kwaye, ukuba kuyasebenza, eminye imiqathango yokusetyenziswa kwe-MTH Mortgage enokuba yimfuneko kwi-MTH Mortgage ukukubonelela ngokufikelela kwiimveliso zayo zobunini (kubandakanywa, kodwa kungasikelwanga mda. kwisisombululo sakho sedijithali se-mello™ sokuboleka imali). Ukuba awuvumelani nale migaqo, nceda ungasebenzisi iSayithi okanye izinto eziqulethwe kuyo. I-MTH Mortgage inikezela ngolwazi kunye neenkonzo kwesi siza kuwe, umsebenzisi, ezibekwe ekwamkelweni kwakho ngaphandle kokuguqulwa kwemigaqo, iimeko kunye nezaziso eziqulethwe apha. Ukusetyenziswa kwesi siza kwenza isivumelwano sakho kuyo yonke imiqathango, iimeko kunye nezaziso. UKUBA AWUFUNI UKUBOTSHWA NGALE MIGAQO, AWUNOKUFIKELELA OKANYE USEBENZISE LESI siza.
I-MTH Mortgage kunye nee-arhente zayo azithatheli xanduva ngeziphumo ezinxulumene ngokuthe ngqo okanye ngokungathanga ngqo kuso nasiphi na isenzo okanye isenzo osithathayo ngokusekelwe kulwazi, iinkonzo okanye ezinye izinto kule Site. I-MTH Mortgage izama ukugcina ulwazi olukule Site luchanekile, luphelele, kwaye luhlaziywe, kodwa aluqinisekisi, lubonise, okanye aluqinisekisi ukuba luchanekile, ulwazi lwamva nje olukhoyo, kwaye aluqinisekisi ukuba zonke iimbono ezichaziweyo okanye ezichaziweyo. zichanekile okanye zithembekile. Umthetho kunye nokusetyenziswa kwemeko yomboleki yodwa kwimeko nganye, kwaye imeko yakho kufuneka ihlalutywe ngamnye. I-MTH Mortgage kunye nabanikezeli bayo abanakuqinisekisa, kwaye abayi kuba noxanduva, nawuphi na umonakalo okanye ilahleko evela okanye ehambelana nokuchaneka, ukugqibelela, okanye ixesha lolwazi olunikeziweyo okanye ukusetyenziswa kwayo kwimeko yakho.
Isampulu yesivumelwano sokubambisa
Ikhontrakthi yokuthengisa ibandakanya izibophelelo kunye neemeko eziqhelekileyo omele uzithobele. Oku kubandakanya oku kulandelayo: Igqwetha lakho okanye umntu otshintshela kwelinye ilizwe uya kukucacisela la mhlathi.
Unokwenza unikezelo olungenamiqathango, oku kuthetha ukuba akukho miqathango ithile ekufuneka ifezekiswe, okanye ungabandakanya imiqathango enye okanye ngaphezulu (ekufuneka ihlangatyezwe ngomhla othile) kunikezelo lwakho. Cela igqwetha lakho okanye umtshintsheli ukuba ahlole ikhontrakthi yokuthengisa kunye neemeko ezibandakanya ngaphambi kokuba uyisayine. Ezi zezinye zeemeko eziqhelekileyo:
Izibonelelo zincanyathiselwe ngokusisigxina kwipropati (umzekelo, umgangatho, iishawari, kunye neentambo zombane) kwaye zibandakanyiwe kwitayitile yetayitile. Zonke ezinye izinto ezishukumayo ziyipropathi yomntu kwaye zifakwe kuphela kwintengiso ukuba zibandakanyiwe kwisivumelwano sokuthengisa. Ikhontrakthi yokuthengisa ibandakanya uluhlu lwepropathi esemgangathweni yomntu. Uluhlu lunokuguqulwa ngumthengi okanye umthengisi ukuze luquke nayiphi na ipropathi yomntu lowo amaqela avumelanayo ukuyifaka kwintengiso yepropati. ukuba azifakwanga kuluhlu lwepropati yomntu, umthengisi unelungelo lokuthatha ipropati. Ipropati edwelisiweyo kufuneka isebenze kwaye ikwimeko efanayo naleyo yayiyiyo xa kusayinwa isivumelwano sokuthenga. Kungumbono omhle ukuthetha nomthengisi wezindlu kwaye ulandele ngokubhaliweyo ukuze uqinisekise ipropati ethile yomntu, umzekelo, ukwakheka kunye nomzekelo wesitovu, ukuqinisekisa ukuba asitshintshwanga okanye sisuswe ngabathengisi. Ukuba uyathandabuza malunga nokuba kukho into yepropathi yobuqu okanye into ethile, kufuneka uyifake kuluhlu lwepropathi yomntu. Oku kuya kwenza kucace ukuba zeziphi izinto ozithengayo ngepropati.
Ixesha le-amortization lixesha elithathwayo ukuhlawula imali-mboleko ngokupheleleyo.
Imali-mboleko apho umyinge wenzala kunye neentlawulo zinyuswa okanye zehliswe ngamaxesha amiselweyo ngokusekelwe kuphononongo lombolekisi kwiireyithi zemarike. Inzala ehlawuliswayo kwimali-mboleko inokudityaniswa nexabiso lokuqala lombolekisi okanye isalathiso esikhethwe kwangaphambili. Jonga kwanoHlobo lweSalathiso.
Izibalo zemali ezenziwe ngokumalunga neendleko kumaqela achaphazelekayo ahambelana ne-mortgage okanye i-real estate transaction ngexesha lokuvala (umzekelo, iirhafu zepropati). Jonga nakwiiNdleko zokuVala nokuVala.
Ileta ekhutshelwe ingcali yoshishino ngenxa yokwaphulwa kobugcisa bomthetho we-real estate, imithetho, imimiselo, okanye imimiselo elandela uphononongo lokuziphatha lobuchwephesha olwenziwe yi-Alberta Real Estate Council. Ayilohlobo lwesohlwayo soluleko, kodwa isikhokelo esilungileyo sokwenza ukuphepha ukwaphulwa komthetho okufanayo okanye okufanayo kwixa elizayo. Jonga kwakhona Uphononongo lokuZiphatha ngobuNgcali.
Ingxelo esesikweni yenyani ebhaliweyo, efungelweyo okanye engqinisiswe ngumbhali kwaye yangqina ngobunyani bomsayino wombhali phambi komntu onjengonobhala wenkundla okanye umkomishinala wezifungo ogunyazisiweyo ukwenza isifungo.
