1. Ungathathi igama
Uma uboleka ebhange, kubalulekile ukuhlola konke abasebenzi basebhange akutshela khona. Isibonelo, uthembisa ukuthi uzoboleka imali engama-13% ngonyaka, futhi ngokuhamba kwesikhathi kuzoba nesilinganiso senzalo esisebenzayo, okungukuthi, isilinganiso esithathayo futhi sibamba zonke izindleko ibhange elithatha lokusebenzisa imali, 25%, noma ngaphezulu. Izinga eliphumelelayo liqukethe izinhlobonhlobo zamakhomishana ezithwala ibhange mayelana nokucubungula izicelo, ukuvula i-akhawunti, ukugcina i-akhawunti, izinsizakalo zomshuwalense, ukudluliselwa kwezimali kwi-akhawunti. Futhi konke lokhu awukwazi ngisho nokukhuluma, bese kuthululela ezinkulungwaneni zamaRuble. Ngokuvamile lezi zibalo, ababoleki bangabona kuphela lapho besayina inkontileka. Yingakho kubaluleke kakhulu ukucela ukukhangisa kusengaphambili inani lemali yokugcina inzalo nokudala isimiso sokukhokha - ibhange kumele lenze.
2. Gcina izingozi ezinkulu
Uma uthatha inkokhelo enkulu, njenge-mortgage noma imali evikelekile yendawo yokuhlala, ibhange ngokuvamile lidinga ukuba le mali ibe inshuwalense. Udinga ukuthola inkampani yomshuwalense eqinisekisa izingozi eziningi kakhulu ngokungafani okuncane. Inkontileka yomshuwalense ibonisa ukuthi yiziphi izimo ezingekho umshuwalense. Funda le ndima ngokucophelela. Ungacabanga futhi ngomshwalense uma kunciphisa emsebenzini, ukukhubazeka ngenxa yokugula noma ingozi.
3. Futhi ugijime ibheyili
Uma uceliwe ukuba ube umlenze wemalimboleko, futhi awuzwa kahle ukulahla, funda ngokucophelela. I-guarantor ngumuntu ofaka izibopho esikhwameni somunye umuntu. Okusho ukuthi, uma lowo obolekayo engekho esimweni sokufeza izibopho ngaphansi kwesikweletu, awela ngokugcwele emahlombe we-guarantor. Lona umthetho - ubuciko. 361 we-Civil Code. Uthola kanjani intengo ye "ukulahla okungakhululekile"?
Yiqiniso, i-guarantor inethuba lokubuyisela imali yakhe kamuva. Kodwa, njengoba umkhuba ubonisa, kunzima kakhulu. Kulolu daba, umthwalo wezikweleti ezingasusiwe uzohlala kuwe, futhi uzohlinzeka ngokulahlekelwa kwempilo. Ngokweqile, uma u-guarantor ekhokha imali, angayifaka icala kumboleki okhohlisayo "ngokuzivocavoca" futhi afune isinxephezelo kuye kuye konke ukulahlekelwa ayekuhluphekile ngenxa yakhe. Ngesikhathi esifanayo nesicelo, ungafaka isicelo enkantolo ukuze ubophe izimpahla nempahla yomboleki.
BTW! Uma u-guarantor ngokwakhe eyoboleka imali ebhange, umbuzo wemali yomboleki kumele kubonise ukuthi uyisiqiniseko. Futhi lokhu kuzoholela eqinisweni lokuthi uma ucubungula isicelo, ibhange lizoncishisa imali engenayo yomuntu ngenani lokukhokhwa kwenyanga ngesikweletu, okwakungeniswa ngalo.
4. Ukubhala ngokucophelela amadokhumenti
Uma usesikweletu, thatha inkathazo yokwenza isivumelwano. Isimiso esiyisisekelo se "izikweletu eziphephile" ukutholakala kwefomu ebhaliwe efanele. Okusho ukuthi, kufanele uqalane nokudweba izivumelwano zemali mboleko kanye namarisidi. Khumbula ukuthi udinga ukudweba kokubili imibhalo. Iresidi iqinisekisa kuphela iqiniso lokudluliswa kwemali, futhi isivumelwano - imvume yezinhlangothi zokudlulisela imali esikweletini, kanye nemigomo yokudluliselwa. Isibonelo, inkontileka ichaza intshisekelo, izinga lokushintshanisa ngosuku lokubuyiselwa, uma ubolekisa ngemali yangaphandle, nezinye izinhlawulo. Nalapha kukhona idatha yepasipoti yomboleki kanye nomboleki.
Isivumelwano sesibopho sizokhishwa kusengaphambili, futhi ukuthola, ngokuphambene nalokho, kufanele kubhalwe ngesikhathi sokudluliswa kwemali. Kufanele iqukethe ulwazi mayelana nokuthi ngubani obolekisa ukuthi ubani, ngumuphi umusho, yimuphi umthamo futhi lapho kulindeleke ukuthi kubuyiselwe isikweletu. Womabili amadokhumenti angakhishwa ngefomu yamahhala, futhi umkweletu angabenza ngokuzimela. Kodwa-ke, ukuze sikhiphe amaphutha kanye nokungahambisani kahle, kuyadingeka ukucela usizo lommeli. Akuyona futhi isibopho sokuqinisekisa imibhalo yesazisi, kepha kufanele wazi ukuthi amaphepha angeke aqinisekiswe enkantolo ayimpikiswano engaphezu kokuqinisekisiwe.
Uma uboleka, isibonelo, kusuka kumuntu oyimfihlo, bese udweba amadokhumenti ngokusho kwalolu hlelo olungenhla. Amaphepha aphethwe kahle anesiqinisekiso sokuthi ngeke kudingeke ukuba ubuyisele imali kusenesikhathi noma ungavuli isithakazelo esikhulu. Uma kuziwa emalimboleko yasebhange, into esemqoka ukuhlola ukuthi kukhona yini inkohliso engcolile enkonzweni oyinikezwa ukuba usayine. Isibonelo, into evumela ibhange ukuthi liguqule ngokuvumelana nemigomo yesivumelwano. Uma ufunda inkontileka futhi awukwazi ukuthola ukuthi yikuphi, ungacela ibhange libe isikhumbuzi somboleki. Ibhange eliphakathi libophezele wonke amabhange ukuthi abambelele lawo ma-memos, lapho aqoshwe khona amaphuzu, okumele akhishwe kulo mkontrakthi.
5. Thatha okuningi ngangokunokwenzeka
Futhi ukuqonda uma ungakwazi ukunikeza le mboleko, udinga ukubala ukuthi yini imali yokugcina ezoba. Ungakhohlwa ukucela isikhulu sasebhange ukuba siphrinte uhlelo lokukhokha ngemalimboleko. Ibonisa inani lokukhokhelwa kwenyanga, izinsuku ofuna ukukhokha ngayo imali, kanye nenani eliphelele. Buza ukubala ukuthi lokho okukhokhwa ngokwezimali kuzoba yibophi, bese ucabanga ukuthi uyayidinga yini. Kungenzeka ukuthi ungakwazi ukukhokhela isikweletu isikhathi esifushane, noma uzokwazi ukwenza izinkokhelo zakuqala (kulolu cala, ukukhokhelwa ngokwezimali kuzoba ngaphansi). Amanye amabhange akhokhisa inzalo eyengeziwe yokukhokha ekuqaleni, kwabanye - akukho lutho.
6. Ungathengi isikweletu eshibhile
Imalimboleko engenakusiza kakhulu kumbolekayo yilokho elula ukuthola. Uma uthembise ukubolekisa isikweletu sehora, futhi ngisho nangaphandle kwama-guarantors, ngomqulu owodwa noma emibili esandleni, khona-ke izinga lesithakazelo emalimboleko lizophakama kakhulu. Enye i-zamanuha - umnikelo wokuqala we-0%. Kuvame ukutholakala ezitolo ze-elekthronikhi nezembatho ezibizayo zangaphandle. Kubonakala kuwe ukuthi kunenzuzo kakhulu, kodwa empeleni inzalo yenzalo ephumelelayo kulezi ziboleti zingama-30-50% ngonyaka. Ebhange, isikweletu semali singathathwa ngenzalo ephansi kakhulu. Akusizi ngalutho ukuthatha imali mboleko yezimpahla nezinsizakalo ezingakhuphuki ngentengo: yeholidini, ukuthengwa komndeni, ukuthengwa kwemoto ... Okufanayo kuya ekusebenziseni kumakhadi esikweletu uma ungakwazi ukuvala isikweletu ngesikhathi somusa (ngokuvamile kuba izinsuku ezingu-30-60). Noma kunjalo, ngokubala okuncane kumakhadi esikweletu, ungathola ngisho.
7. Lungisa izingxabano
Uma usesimweni esibucayi futhi ungakwazi ukukhokha ngaphezulu ngemali mboleko, ungafihli. Qinisekisa ukwazisa umbolekisi ngokubhala ngokuphathelene nezimo bese ucela ukukhokha okubuyisiwe. Lokhu kubalulekile uma umthengi engakuhlangabezi, kodwa uya ngqo enkantolo. Ijaji lizobona ukuthi uthembekile futhi uzama ukuxazulula le nkinga, futhi kungenzeka ukuthi izokuma eceleni kwakho. Khona-ke ungafuna ngokusebenzisa izitolimende zenkantolo noma ukukhokha isikweletu. Uma kungumbuzo wesikweletu ngaphansi kwe-mortgage, kungenzeka ukubhala isitatimende ekuvuselelweni kwezikweletu. Amabhange athatha izinkinga ezinjalo ngabanye, kodwa umzamo awuhlukumezi. Uma umboleki kufanele azame ukusungula isimiso sokukhokha isikweletu kulezi zingxenye mayelana nokukhokhwa kwezikweletu zamasevisi nezinkonzo zomphakathi noma izingozi zemoto. Ngesikhathi esifanayo, kungaba kuhle ukukhombisa ukuthi awuzami ukugwema ukukhokhelwa kwezikweleti ngale ndlela - ngenxa yalokhu ungakwazi ukukhokha ngokushesha ingxenye yesikweletu.
8. Ungalimazi okokugcina
Okungenangqondo kakhulu ukuboleka ngebheyili yezindlu kuphela. Ikakhulukazi esimweni esibucayi, noma kunini lapho ungahlala khona emsebenzini. Imali eqinisekisiwe yimpahla ngokujwayelekile ayizinzuzo kakhulu. Isibonelo sokuqala yi-pawnshop. Unikeza amacici ngesigamu sabo sangempela, futhi uthenga cishe kabili. Ngezinye izikhathi ukuhlukanisa nomgwaqo kuwe kuyinto ebi nakakhulu kunezikweletu ezingatholakali - ukulahlekelwa kwempilo kuvame ukuvela lapha.
9. Gwema izikweletu
Uma kunezinkinga zokukhokhwa kwezikweletu, ibhange lingadlulisela imali yakho kubakhohlisi - abaqoqi bezikweletu abaqeqeshiwe. Ngamabhange, abaqoqi basebenzela ama-commissions (15-40% wezikweletu eziqoqiwe), noma ngokuthenga iphakheji lokungabuyiselwa kwemali kubanki. Ngokuvamile ilungelo lamabhange ukudlulisela izikweletu zenkinga kubantu abathintekayo libekwe esivumelwaneni sesikweletu. Kodwa uma kungenjalo isigatshana esinjalo esivumelwaneni, ibhange alinalo ilungelo lokudlulisa ulwazi mayelana nawe kumqokeleli. Phela, ibhange libophezelekile ukugcina ulwazi oluyimfihlo mayelana neklayenti labo, imali engenayo, ikakhulukazi ngezinkinga zokukhokha imali. Ngakho funda isivumelwano ngokucophelela ngaphambi kokusayina.
Faka isicelo enkantolo
Ngokuvamile, "ukuphonswa" abakweleta noma ababolekayo amalungelo abo aphulwa yibhange, ngokuyinhloko abafuni ukuya enkantolo. Abanye bakholelwa ukuthi ubulungisa abukwazi ukutholakala enkantolo, abanye besaba ukuphazamisa ubudlelwane, kuyilapho abanye befuna ukusindisa ngezindleko. Okwamanje, ezinkingeni eziningi zezikweletu, inkantolo yiyona kuphela indlela ephucukile futhi ephumelelayo yokuxazulula inkinga, nakuba ngabe unamaphepha afakwe kahle nesikhathi phakathi nezinyanga ezingu-3-5.
BTW! Izindleko ummangalelwa ezikhokha ukukhokhela izinsizakalo zommeleli zitholakale eqenjini elilahlekile.