Kungani akufanele wesabe ukuthenga imoto esetshenzisiwe nge-mortgage
Ngemva kokusesha okunzima, ekugcineni uthole imoto yamaphupho akho: umnikazi oyedwa, imayela "lezingane", akukho zikhalazo mayelana nokubukeka noma ubuchwepheshe, inani elikhulu. Okuwukuphela kwento - lapho uhlola ukuhlanzeka okungokomthetho, kwavela ukuthi imoto yayibanjisiwe. Kodwa ungajahi ukucasuka: ungathenga "ibhange" izimoto. Indlela yokwenza isivumelwano ngendlela efanele, ukuze ungagcini ungenayo imali futhi ngaphandle "kokugwinya", kusho ingosi ye-AvtoVzglyad.
Namuhla, yonke imoto entsha yesibili ithengwa ngemali ebolekiwe. Ukunemba kakhudlwana, ngokweNational Bureau of Credit Histories (NBCH), izimoto zezikweletu zenze u-45% wesamba esithengisiwe ngonyaka odlule. Ngaphezu kwalokho, ezimweni eziningi, imali ebolekiwe (kokubili imoto nomthengi) ikhishwa ngokumelene nokuphepha kwemoto - ngemibandela ekhangayo kakhudlwana kumakhasimende anenani lenzalo elincishisiwe.
Uma sikhuluma ngokubolekwa kwemoto, imoto ibanjiswa ebhange kuze kube yilapho isikweletu sibuyiselwa ngokugcwele. Ngokuqondene nomthengi, isikhungo sezezimali sinelungelo lokwaba imoto uma iklayenti lehluleka ukufeza izibopho zalo. Futhi-ke, isimo "sesibambiso" sivame ukunikezwa ezimotweni ezithengwe ngokuqashisa. Futhi, kuze kube yilapho umnikazi ekhokha umqashisi.
Yiba noma kunjalo, kodwa izimo zokuphila zihlukile - ngokuvamile abashayeli kufanele bathengise izimoto ze-mortgage. Abathengi, ngakolunye uhlangothi, bayababalekela, njengesihogo sempepho, besaba ukugijima kuma-scammers futhi "bathole imali yangempela." Futhi ngeze - kunezikhohlakali eziningi, kodwa kusekhona izakhamuzi ezihloniphekile.
Uma uthanda imoto ye-mortgage, xhumana nomthengisi futhi uthole yonke imininingwane. Ingabe umnikazi wamanje ngobuqotho, uhlobo, ukhuluma ngesimo sakhe sezezimali esinzima nezinyathelo eziphoqelelwe? Khona-ke kunengqondo ukumnika ithuba - ukushayela phezulu ukuze ahlole imoto. Naka ngokukhethekile amadokhumenti: qiniseka ukuthi ungumnikazi phambi kwakho - bheka ipasipoti yakhe bese uhlola idatha nge-STS uma ingekho i-PTS.
Yebo, ukungabi khona kwe-TCP akufanele kukudide, ngoba ngokuvamile idokhumenti igcinwa ngumbolekisi. Enye into ikhophi yepasipoti, umthengisi ayichazayo ngokulahlekelwa kweyokuqala. Lona umkhonyovu odumile. Imoto ithathwa ngesikweletu, umnikazi ungena esikweletini, ucela impinda ye-TCP emaphoyiseni omgwaqo futhi uthengisa imoto, njengokungathi akwenzekanga lutho. Futhi ngemva kwesikhathi esithile, inkantolo ishaqa yona le moto kumnikazi omusha.
Uma kungekho izinsolo ngesikhathi sokuhlolwa kwamadokhumenti, wena nomthengisi (noma okungcono, nihambe nommeli omethembayo) kufanele nivakashele ihhovisi lebhange lapho imoto isibambiso. Phela, ukudayiswa kabusha kwemoto kungenzeka kuphela ngemvume yesikhungo sezimali. Kodwa noma kunjalo ungathathi izwi lomthengisi ngakho - cela isiqinisekiso esibhaliwe sokugunyazwa kokuthengiselana yibhange.
- Kunezindlela ezimbili zokuthenga imoto esikhungweni sezimali: khokha imali esele ebolekiwe ebhange, enye kumnikazi, noma uphinde uzikhiphele wena imali ebolekiwe. Kuzo zombili izimo, kuyadingeka ukuphetha isivumelwano sokuthengisa nokuthenga ngemuva kwemvume yesikhungo sezezimali, - baphawule kuphothali ye-AvtoVzglyad ku-AvtoSpetsTsentr Group of Companies.
Uma usulungele ukukhokha ngokushesha yonke imali (kokubili ebhange nakumthengisi), khona-ke ummeli olungisa izivumelwano uqinisekisa ukuthengiselana okufanele, bese umbolekisi aziswe ngakho. Uyafuna ukusebenzisa imali mboleko yakho? Khona-ke, okokuqala, kuzodingeka ufakazele i-solvency yakho ngezitifiketi zeholo elimaphakathi, bese uphetha isivumelwano sezingxenye ezintathu mayelana nokunikezwa kwamalungelo esikweletu nomnikazi wangaphambili kanye nommeleli webhange.
Siyaphinda futhi ukuthi njengoba ubungozi buphezulu kakhulu, kungcono ukwenza isiqiniseko sokuthi yonke inqubo yokuthenga imoto ebolekiwe ilawulwa ummeli - umuntu omethembayo. Kodwa ama-salon "grey" athengisa imishini "yebhange", kungcono ukudlula. Abathengisi bazoculela wena isikhathi eside mayelana nesithunzi esingenasici sesikhungo kanye nokuba sobala komsebenzi. Futhi ekugcineni - kuyafana nabadayisi abazimele abanonya: uzosala ungenayo imali futhi ungenayo imoto.
