Ungayithenga kanjani ifulethi kwempahla ebanjiswayo - ungaqala kuphi nokuthi iziphi izigaba okudingeka uhambe kuzo
Sawubona, igama lami ngingu-Andrey, ngivela kwaMSC. Mina nomkami sihlela ukuthenga ifulethi ngendlu ebekiwe, ngoba ngenxa yesimo esikhona ezweni ngikhathazekile ngenye yemali yami eqongelelwe. Ngitshele ukuthi ngiqale kuphi nokuthi iziphi izigaba okufanele zihambe. Ngineminyaka engama-21, intombazane ina-19.
Ngendlela, ubonile ukuthi idola selivele libiza malini? Qala ukwenza imali ngomehluko wamanani wokushintshana lapha!
Ukukhuphuka kwamanani ezimpahla kube nomthelela ekwehleni okuncane kwesidingo sezindlu. Ngaphandle kokuthi abantu abanayo imali eyanele, abanye abantu basemadolobheni basaphuma kulesi simo ngokubolekwa kwemali. Sikhulume ngokuningiliziwe mayelana nokuthi impahla yemalimboleko nempahla ebolekiswayo ikuphi ezintweni zethu.
Ukuthenga ifulethi elinempahla ebanjiswayo namhlanje sekuyindlela ethandwa kakhulu yokuxazulula inkinga yezindlu. Lolu daba selunezimpande ezinhle kakhulu emphakathini wanamuhla, futhi lujabulela impumelelo enkulu. Okokuqala, sincoma ukuthi ufunde indatshana yethu yokuthi ungayithola kanjani imali yokubambisa indlu.
Ungathenga kanjani ifulethi kwempahla ebanjiswayo - ungaqala kuphi nokuthi iziphi izigaba okufanele udlule kuzo
Ekuqaleni kuyadingeka ukuthi ufunde futhi uphenye konke okunikezwayo kwempahla bese ukhetha imigomo eyamukelekayo futhi evuna kakhulu. Akunasidingo sokujaha kule ndaba; kungcono ukukala konke bese uqhathanisa zonke izinketho ezitholakalayo.
Uma ungakwazi ukuthola ukuthi ungaqala kuphi nokuthi ungalithenga kanjani iflethi elinemali ebanjiswayo, khona-ke kuzo zonke izinselele zalolu daba, isixazululo esizwakalayo kakhulu kungaba ukuxhumana nenkampani ekhethekile yokukhetha imalimboleko noma umdayisi wendlu.
Ndawonye nochwepheshe abaqeqeshiwe benkampani, wonke ama-nuances we-mortgage azoxazululwa ngemizuzu embalwa.
Isigaba sesibili kusho ukuqoqwa okuphelele kwayo yonke imibhalo ezodingeka ukuqedela okwenziwayo. Ukuze wenze lokhu, udinga ukuthola uhlu olugcwele lwezidingo zebhange lohlu lwamadokhumenti. Uma konke kwenziwa ngendlela efanele, khona-ke amathuba okuthi idili lakho lizohlehliswa ngenxa yamadokhumenti abhalwe ngokungafanele ancishiselwa ku-zero. Uma usenemibuzo, ungaxhumana nochwepheshe emkhakheni wokubolekwa kwempahla ebanjiswayo.
Ngemuva kokuthi yonke imibhalo idwetshwe kahle futhi yaqoqwa, ithunyelwa ebhange ngenhloso yokulandela inqubo ekhethekile, okuwukuthi, ukuhlola umlando wesikweletu. Ngenxa yalokhu kuhlaziywa, ongoti baleli bhange bazothatha isinqumo ngokukhokhwa kwemali ekhokhwayo noma cha. Funda ngokuthi uyini umlando wesikweletu nokuthi ungawuthola kanjani ku-athikili.
U-Emil Askerov
Isazi sokufunda ngezimali, umhlaziyi kanye nochwepheshe.
Imithetho ibeka ukuthi isinqumo simenyezelwa ngaphakathi 24 (amashumi amabili nane) amahora kusukela ngosuku lokufakwa kwefayela. Ezimweni ezikhethekile, ibhange kungenzeka lingavezi isinqumo salo isikhathi eside.
Ngempendulo enhle, kulandela isigaba esithandekayo, lokhu kukhethwa efulethini. Ngasikhathi sinye nokuseshwa, ukuqoqwa nokulungiswa kwemibhalo yokubhaliswa kokuthengiselana kokuthenga nokuthengisa kuyaqhubeka. Leli iphuzu elibaluleke kakhulu elidinga isibopho esikhethekile nokuqonda. Ukwenza konke kuhambe kahle, kungcono ukusebenzisa izinsizakalo zochwepheshe owazi okuningi ngaleli bhizinisi - umthengisi.
Njengoba impahla kufanele ihlangabezane nazo zonke izidingo zomthengi uqobo, futhi ithobele izimo zempahla ebanjiswayo kanye nenani elibaliwe, izinsizakalo zongoti onjalo zimane nje ziyadingeka.
Ekupheleni kwale nqubo, yonke imibhalo iphinde ithunyelwe ukuyocutshungulwa ebhange, kanye nesinqumo sokugcina. Le nqubo ingathatha isikhathi esithile, ngakho-ke kufanelekile ukuyilungiselela.
Futhi manje, konke sekuphelile, ibhange livume isinqumo somthengi, manje kuyadingeka ukulungiselela ukuthengiselana nokuthengiselana. Asikho isidingo sokuphumula, lapha udinga ukuthi uqaphele kakhulu futhi ukwazi ukuvumelana ngazo zonke izigaba zesivumelwano nebhange futhi ulandele imigomo yomthengisi.
Kuncike ekutheni yonke imibuzo ihambisana nebhange nomthengisi izinze, kulandela isigaba sokubhaliswa kwayo yonke imibhalo etholakalayo.
Ukubhaliswa kwenziwa ezingeni likahulumeni, okuyiRosreestr. Ngokwesilinganiso, le nqubo izothatha cishe amaviki ama-2 (imvamisa ingekho ngaphezu kwenyanga). Uma uhlela ukwenza isivumelwano wedwa, sincoma ukuthi nakanjani ufunde ukushicilelwa kwethu - "Ungalithenga kanjani ifulethi ngokwemiyalo."
Esigabeni sokugcina, kukhona irisidi yamadokhumenti asevele ebhalisiwe, kanye nokuxazululwa okuyinkimbinkimbi kokubambisana. Ifulethi lihlotshiswe ngokuhambisana ngesenzo sokwamukela nokudlulisa futhi umthengi abe ngumnikazi wayo ophelele.
Futhi ekugcineni, sikukwazisa ukuthi ubuke ividiyo emayelana nemalimboleko yempahla ebanjiswayo:
Nevidiyo ewusizo yokuthi ungathatha kanjani ifulethi kubambiso:
Siyethemba ukuthi sikwazile ukuphendula umbuzo wakho. Okuhle kakhulu, Imibono yeqembu lempilo!