Inkontileka yokubolekwa kwempahla yendlu pdf
Ukudalula: Le ndatshana iqukethe izixhumanisi ezihambisanayo, okusho ukuthi sithola ikhomishini uma uchofoza isixhumanisi futhi uthenge okuthile esikuncomile. Sicela ubheke inqubomgomo yethu yokudalula ukuze uthole imininingwane eyengeziwe.
Ukuveza Ulwazi Oluvalayo kuyifomu elinamakhasi amahlanu elichaza izici ezibalulekile zemalimboleko yakho yendlu, okuhlanganisa inani lokuthenga, izimali mboleko, izinga lenzalo, izintela zezakhiwo ezilinganiselwe, umshwalense, izindleko zokuvala, nokunye. Kubalulekile ukuthi uyibuyekeze ngokucophelela; empeleni, kungenye yezinyathelo ezibaluleke kakhulu ongazithatha lapho uthenga ikhaya.
Uma uthenga ikhaya elisha noma uxhasa ngezimali imalimboleko yakho yamanje, kubalulekile ukuthi uqonde yonke imigomo yemali mboleko yakho ngaphambi kokusayina kulayini onamachashazi. Isizathu siwukuthi uma ususayinile usuke uzibophezela emigomeni ethulwayo.
Lokho kusho ukuthi kubalulekile ukuthi ufunde ngokucophelela Ukudalulwa Kokuvala okuthunyelelwa umbolekisi wakho uma usulungele ukuvala. Njengelinye lamafomu okugcina owatholayo ngaphambi kokuvala isikweletu sakho esisha, Ukudalulwa Kokuvala kukuvumela ukuthi uqhathanise imigomo nezindleko zemali mboleko yakho nemigomo esefomini Lesilinganiso Semalimboleko olinikezwe ekuqaleni kwenqubo.
Ungayikhokha kanjani i-mortgage online
Uma umbolekisi ekugunyaza kusengaphambili ukuze uthole imali ebolekiwe, akusona isiqinisekiso sokuthi bazongena nawe kwinkontileka yemali mboleko. Ukugunyaza kusengaphambili kusho ukuthi umbolekisi unentshisekelo yokukunikeza imali yokuthenga indlu. Umbolekisi angase anqume ukungakuniki imali yokuthenga indlu ngemva kokukuhlola ngokucophelela wena kanye/noma indawo.
Izindleko eziphelele ze-mortgage zincike emigomeni yokukhokha, njengezinga lenzalo kanye nesikhathi esisithathayo ukukhokha yonke imali ebolekiwe noma "isikhathi sokukhokha". Izindleko eziphelele zingaba phezulu kakhulu kunemali ebolekiwe. Kufanele unqume ukuthi izinga lenzalo, isikhathi sokuncishiswa kwenani kanye nenani lezindleko ze-mortgage zikulungele yini.
Kufanele unikezwe isilinganiso sezindleko eziphelele zemali mboleko yalesi sikhathi. Ezifundazweni eziningi, lolu lwazi uzonikezwa lona ngumuntu othatha isicelo sesikweletu, njengomthengisi wezindlu. E-Quebec, noma uma ungasebenzisi i-mortgage broker, lolu lwazi kufanele lunikezwe ngumbolekisi.
Izindlu zokuhlala zingakhokhwa masonto onke, njalo ngemva kwamasonto amabili, kanye ngenyanga, noma kabili ngenyanga. Qiniseka ukuthi uyakwazi ukukhokhela imvamisa, isikhathi, kanye nenani lezinkokhelo zakho zokubolekwa kwezindlu. Ungakwazi yini ukuzikhokhela futhi uyaqonda ukuthi zizothinta kanjani izindleko eziphelele ze-mortgage? Uma izinkokhelo ziphakeme, uzokwazi ukukhokha imali mboleko ngokushesha futhi unciphise izindleko eziphelele ze-mortgage. Kodwa qiniseka ukuthi ungakwazi ukukhokhela izinkokhelo, kanye nazo zonke ezinye izindleko.
Siyini isivumelwano sokuthenga imali mboleko yezindlu
Uma ucabanga ngokuba nekhaya futhi uzibuza ukuthi ungaqala kanjani, usufike endaweni efanele. Lapha sizofaka zonke izinto eziyisisekelo zokubolekwa kwezindlu, okuhlanganisa izinhlobo zezikweletu, i-mortgage jargon, inqubo yokuthenga ikhaya, nokunye okuningi.
Kukhona ezinye izimo lapho kunengqondo khona ukuba ne-mortgage endlini yakho noma ngabe unayo imali yokuyikhokhela. Isibonelo, izakhiwo ngezinye izikhathi zibolekwa ukuze kukhululwe izimali zolunye utshalomali.
Ama-mortgages ayimalimboleko "evikelekile". Ngemali mboleko evikelekile, umboleki uthembisa isibambiso kumabolekisi uma kwenzeka ehluleka ukukhokha. Endabeni ye-mortgage, isiqinisekiso ikhaya. Uma wenza iphutha emalini ebolekiwe, umebolekisi angakwazi ukukuthatha ikhaya lakho, ngenqubo eyaziwa ngokuthi yi- foreclosure.
Uma uthola imali yokubolekwa, umbolekisi wakho ukunika inani elithile lemali yokuthenga indlu. Uyavuma ukubuyisela imali ebolekiwe - nenzalo - eminyakeni embalwa. Amalungelo omboleki wekhaya ayaqhubeka kuze kube yilapho isibambiso sesikhokhelwe ngokugcwele. Imali mboleko ekhokhwa ngokugcwele ineshejuli yokukhokha emisiwe, ngakho-ke imali ebolekiwe ikhokhwa ekupheleni kwesikhathi sayo.
Izibonelo zama-mortgages okufanele ukhokhe
Kunezinhlobo eziningana zezindleko ezikhokhwayo uma uthatha imali yokuboleka. Ezinye zalezi zindleko zihlobene ngokuqondile ne-mortgage futhi, ndawonye, zakha intengo yemali mboleko. Lezi zindleko yizo okufanele uzicabangele lapho ukhetha i-mortgage.
Ezinye izindleko, njengezintela zezakhiwo, zivame ukukhokhwa nge-mortgage, kodwa empeleni yizindleko zobunikazi bendlu. Kuzodingeka uzikhokhe kungakhathaliseki ukuthi une-mortgage noma cha. Lezi zindleko zibalulekile uma unquma ukuthi yimalini ongakwazi ukuyikhokhela. Kodwa-ke, ababolekisi abazilawuli lezi zindleko, ngakho akufanele unqume ukuthi yimuphi umbolekisi ongamkhetha ngokusekelwe ezilinganisweni zabo zalezi zindleko. Lapho ukhetha i-mortgage, kubalulekile ukucabangela zombili izinhlobo zezindleko. I-mortgage enenkokhelo ephansi yanyanga zonke ingase ibe nezindleko zokuqala eziphakeme, noma imali ebolekiwe enezindleko eziphansi zokuqala ingase ibe nenkokhelo yanyanga zonke ephakeme. Izindleko zanyanga zonke. Inkokhelo yanyanga zonke ngokuvamile iqukethe izici ezine: Ngaphezu kwalokho, kungase kudingeke ukhokhe izimali zomphakathi noma ze-condominium. Lezi zindleko zivame ukukhokhwa ngokuhlukile enkokhelweni yanyanga zonke. Izindleko zokuqala. Ngaphezu kwenkokhelo ephansi, kufanele ukhokhe izinhlobo ezimbalwa zezindleko lapho uvala.
