150.000 wokubala mortgage
Umshwalense wokwakha uyisidingo esiyimpoqo uma uthatha imali yokuthenga indlu yasePortugal. Umthamo omncane odingekayo ngokuvamile ngokumelene nomlilo nezikhukhula. Iphrimiyamu yomshwalense isekelwe enanini elakhiwe kabusha lesakhiwo.
Amanye amabhange adinga umshwalense wempilo womfakisicelo oyinhloko noma kubo bobabili abafake izicelo zezindlu ezibolekiwe. Sizokwazisa ngale mfuneko eyisibopho lapho sikuhlinzeka ngedokhumenti yesiphakamiso se-mortgage.
Ukumbozwa kwesikweletu kufanele kucatshangelwe uma uhlose ukuqasha indawo. Ukufakwa kwesibopho sezomthetho kuyikhava ozikhethela yona ngaphakathi komshwalense wokuqukethwe. Ngingaboleka malini? Ibhange lizokuboleka imali efika ku-80% yenani lokulinganisa noma inani lokuthenga lendawo ekhethiwe, kuye ngokuthi iyiphi encane. Ukugunyazwa kwe-mortgage kuzosuselwa ezilinganisweni ezihlukene zokukwazi ukukhokhela izindleko ezisetshenziswa amabhange.
Ibhange lizocela ubufakazi bemali engenayo embuthweni wakho wakamuva wentela/P60 kanye nombiko wesikweletu ukuze kuqinisekiswe izikweletu ezikhona. Njengomthetho ojwayelekile, u-30% wesamba sakho semali engenayo singabalelwa ezinkokhelweni zezindlu ezibolekiwe (okuhlanganisa ne-mortgage entsha e-Portugal). Yiziphi izinhlobo zezikweletu ezitholakalayo? Amabhange ahlinzeka ngezindlu zokubolekwa kwemali ukuze kutholwe, kwakhiwe futhi kukhululwe ukulingana.
I-Mortgage ye-150.000 pounds eminyakeni engu-20
Izibalo ezingenhla ziyizibonelo kuphela futhi aziqinisekisiwe. Imali mboleko ingaphansi kwendawo nokulinganisa futhi ayitholakali kulabo abangaphansi kweminyaka engu-18 ubudala. Ababolekisi bangase banikeze izilinganiso ezibhaliwe. Ngemali mboleko evikelekile, umbolekisi uzodinga i-lien endaweni yakho futhi, esimweni semali ebolekiwe ye-endowment, inqubomgomo ye-endowment/impilo enanini lenkokhelo ephansi kanye ne-lien kusakhiwo. Ngemali ebolekiwe enenzalo kuphela, izibalo ezingenhla azinaki izindleko zanoma iyiphi i-endowment, impesheni, noma olunye uhlelo lokonga olusetshenziselwa ukukhokha imali ebolekiwe. Futhi, izibalo ezibonisiwe zokukhokha kanye nezindlu eziboshiwe zenzalo kuphela azibandakanyi izindleko zekhava yempilo eyengeziwe.
Sicela uqaphele ukuthi lolu lwazi luwumhlahlandlela kuphela futhi akufanele luthathwe njengesincomo noma iseluleko sokuthi imali ebolekiwe ethile ikulungele. Wonke ama-mortgages angaphansi kokuthi abenzi bezicelo bahlangabezane nemibandela yokufaneleka yababolekisi. Yenza i-aphoyintimenti ukuze uthole izeluleko ze-mortgage ezifanele izidingo nezimo zakho.
I-Mortgage ye-150.000 pounds eminyakeni engu-30
Izibali zethu ze-European mortgage ziyindlela enhle yokuqoqa ulwazi olubalulekile mayelana nokuthola nokuqhathanisa izikweletu ezihlukene e-EU yonkana. Ngokusebenzisa izibalo zethu ze-mortgage ezigxile e-Europe, uzokwazi ukubala, ucwaninge futhi uhlaziye izibalo ezibalulekile zama-euro futhi wenze izinqumo ezingcono kakhulu mayelana nesikweletu sakho semalimboleko. Sihlose ukuba insiza ehamba phambili kubantu baseYurophu abafuna ulwazi lwezimali zezindlu futhi ukwenza kanjalo sinikeza izinsiza eziningi ukusiza izivakashi zethu ngokuhlela.
Zonke izibali ezibonwa esizeni sethu zimahhala ngokuphelele ezivakashini zethu futhi zenzelwe ukukusiza ukuthi uthole ulwazi oluningiliziwe mayelana nezikweletu zezindlu eYurophu. Amathuluzi ethu aziwa kakhulu ahlanganisa i-Mortgage Comparison Calculator yethu, kanye Nesibali sethu Semali Yenzuzo Kuphela, esihlinzeka ngemininingwane emihle kakhulu mayelana nezibalo ezithile zezimali ze-mortgage. Ngokungeziwe kulezi zibali, siphinde sinikeze nezinye izibali ze-European mortgage ukusiza izivakashi zethu kuyo yonke inqubo. Kungakhathaliseki ukuthi ungumthengi wokuqala wendlu ofuna ulwazi ngamanani enzalo, noma umnikazi womuzi onolwazi ocabanga ukukhokhela kabusha indlu yakho, sinezibali ezingcono kakhulu ze-European mortgage mahhala ngokuphelele.
I-150k ye-mortgage eminyakeni engu-15
Ukuze wenze izinto zibe lula nakakhulu kuwe, uzonikezwa umeluleki wemali ebolekiwe ozokusiza kuyo yonke inqubo kuze kufike ekuthengeni ikhaya lakho. Ungafaka isicelo futhi ulandelele ukuqhubeka kwe-mortgage yakho ku-inthanethi.
Uma uxhasa ngezimali phakathi kuka-150.000 no-400.000 wama-euro, izinga lenzalo elisebenzayo lehliswa ngo-0,10%. Ukuze uthole izikweletu ezingaphezulu kwama-euro angu-400.000, sicela usithinte. Lokhu kwehliswa kuzosetshenziswa enanini lenzalo eliwumphumela wenani, isikhathi kanye nenketho oyikhethayo, kungakhathaliseki ukuthi izimo zesaphulelo ziyahlangatshezwa yini.
– Endabeni yemali ebolekiwe enezilinganiso eziguquguqukayo, noma phakathi nezilinganiso eziguquguqukayo zanoma iyiphi enye imali ebolekiwe: u-0,25% webhalansi esele yemali mboleko ekhokhwa kusengaphambili (ukukhokha kusengaphambili okuphelele) phakathi neminyaka emithathu yokuqala yesikhathi semali mboleko .
Okokugcina, chofoza okuthi "Bala" futhi ithuluzi lizolingisa i-mortgae yakho ku-inthanethi ngezinketho ezahlukene ezitholakalayo (ngemali yemalimboleko engashintshi, eguquguqukayo noma exubile) ukuze ukwazi ukunquma ukuthi yiluphi uhlobo oluzifanela kangcono izidingo zakho.
Okokugcina, chofoza okuthi "Bala" futhi ithuluzi lizolingisa i-mortgae yakho ku-inthanethi ngezinketho ezahlukene ezitholakalayo (ngemali yemalimboleko engashintshi, eguquguqukayo noma exubile) ukuze ukwazi ukunquma ukuthi yiluphi uhlobo oluzifanela kangcono izidingo zakho.
