isihlanu - - ezimbini rhoqo ngonyaka imali borrowed
Mg enye:"kunjalo, inzala kakhulu ebalulekileyo Nkqu i amashumi amabini anesihlanu sika i inzala iya iziphumo ebalulekileyo yayo yonke ugcino -enikwe ixesha intlawulo
Mna nento yokuba kanjalo ahlawule kakhulu ingqalelo ukuba okwangoku ungumnini ke thatha mortgage.
Ke ebalulekileyo umbuzo, ngenxa namhlanje kukho libanzi oyikhethileyo kwaye ezinye iinkampani kunikela amatyala nkqu Isijapanese oxygen. Kuba abo get imivuzo yabo kwi-troubles icebiso lam kuba namhlanje uya kuba ukuthatha i-mortgage kwi-troubles - lento ukuphepha iziphumo ka-kunokwenzeka shocks ukusuka okwangoku fluctuations. Eneneni, akukho a enye indlela yokusebenza, kwaye ukuba umntu ikuqonda njani uthango okwangoku imingcipheko, ukuba ke, kulungile. Kwaye yinto yokugqibela ukuba ngenene imicimbi ingaba khetho ukuba ahlawule emva imali kwangaphambili iifayile okanye ngokupheleleyo. Ezinye iibhanki angenise a moratorium kule okanye significantly umda esi sakhono noba ngokwemiba ixesha okanye nge-kuthetha ka-ezongezelelweyo imirhumo kwaye imirhumo. Kwi-mortgage isivumelwano ibhanki unako ban ukwenza ukuqhubela phambili intlawulo ngexesha yokuqala emihlanu, umzekelo. Okanye ingathatha umda a isixa a intlawulo - ndithi, omnye akavumelekanga ukuba kuvunyelwa ukuba ahlawule ngaphantsi dollazi anesihlanu amawaka. Kwaye yokugqibela enye kukuba i-bank unako ukuvumela intlawulo kwangaphambili, kodwa nge tyala kuba oko.
Mg enye:"Ukuba thina wahlala egqibeleleyo ehlabathini - ewe
Ke, kubalulekile ukuqinisekisa ukuba ngokucacileyo baqonde ukuba mortgage izivumelwano zilungile kuba iibhanki, njengoko ke elide amalungiselelo loo nto yenza ukuba i-bank ukubala yayo profitability kuba elide ngokwe xesha.
Kwaye ke iimposiso ukuba ibhanki ufuna ukufumana imbuyekezo kuba kunokwenzeka engalindelekanga ilahleko"mg enye:"Into yokuba kubalulekile ukuba rhoqo uba a surprise kukuba babe aren ukuba bavunyelwe ukuba sithengise i-cambalala ngokunjalo kukrazulwa kwayo okanye iyazoba kwakhona kuyo ngaphandle bank ke imvume ebhaliweyo.
Abantu ngamanye amaxesha kukrazulwa a cambalala ubuncinane iifayile ukuba abanye babo inkcitho qho ngenyanga mortgage intlawulo. Kodwa omnye kufuneka ngokucacileyo baqonde ukuba i-bank ukugxotha renting kwi-mortgage isivumelwano kwaye onayo ukwazi malunga utyeshelo lomgaqo, ubani legitimate ilungelo noba kwentlawulo a intlawulo okanye ibango ityala kwi ngokupheleleyo kwaye kwangaphambili.
Imfuneko ngonyaka imali eyongezelelweyo ye-inshorensi imirhumo kanjalo rhoqo uba i-unpleasant surprise kuba umntu, nangona ke idla njengoko kuchaziwe isivumelwano.
Basically, kukho iintlobo ezintathu inshorensi: ebomini ye-inshorensi yezempilo kunye umxhasi ngokwakhe kwaye yakhe co-borrower, i-inshorensi ngokuchasene umngcipheko kukhulula a proprietary ilungelo kwaye omnye ngokuchasene umngcipheko nawuphi na umonakalo kwi-cambalala, apho sifana ngenxa, ndithi, i-earthquake okanye nayiphi na enye intlekele. Akukho unako wambi ezintathu ezahlukeneyo izivumelwano okanye omnye komnye, ngokuba isivumelwano ka-leqela le-inshorensi, nto idla ibandakanya a thoba wenzala. Ngokubanzi ukuthetha, isixa-inshorensi intlawulo, njengokuba umthetho, akukho ngaphantsi kwe. Ukuba ke ebalulekileyo sum kwaye ngokuqinisekileyo kufuneka uqwalaselwe. Kanjalo, ke highly kubalulekile ukuba ngenyameko khangela isemthethweni ubume a cambalala, qinisekisa ukuba kukho akukho mntu okanye claiming kuyo.
Kwakukho omnye meko kwi-Russia, xa umfana ezimbalwa ndagqiba a mortgage isivumelwano, kwaye waqala ukuba enze intlawulo, kwaye kamva ezinye abantu wabonakala, abo ngokuqinisekileyo waba a isemthethweni proprietary akunjalo kuba cambalala.
Ngesizathu esithile i insurance company wala ukuba ahlawule kwaye bank bafuna imali yayo emva. I-inkqubo esemthethweni banokuthatha malunga ngonyaka kunye necala, kodwa ngexa abo bafana abantu basemazweni imeko, apho baya kufuneka ahlawule kunye mortgage imirhumo i-bank kuba cambalala baya musa ngenene kuba kwaye kukrazulwa kuba cambalala ngabo abahlala ngoku"RT: ingavumi ngumsebenzi ibhanki ukuba zichaza ngokucacileyo eyona ngemiba i-mortgage isivumelwano kwaye beka zonke emphases ngokuchanekileyo. Kodwa, kunikwa zonke iimveliso ezahluka-hlukileyo kunye lenders ukuba sinayo namhlanje kwi-yentengiso, ubuqu ndiyakholwa, ukuba kweli lizwe lethu abo wenze isigqibo sebenzisa enjalo enobunzima-mali isixhobo njengoko mortgage kufuneka wenze umzamo omkhulu kwaye uzame ukuqonda zonke yayo iindlela ezifanelekileyo zokufunda onke amaxabiso scenarios. Ukuba ngokupheleleyo rely kwi umntu ongomnye, Urhulumente, ebhankini okanye i-realtor, ayi i-ukhetho kwi-Russia, ndicinga ukuba"mg enye:"Apha ke kubalulekile ukuqonda ukuba kwimeko nge mortgage ibhanki yi iqabane lakho ukuba yayo umxhasi, ungamconganga yeqela eliphikisayo. Akhonto ihlale ngexesha elingelilo lokuhlala ukuba umntu ufumana ngokwakhe ayikwazi bay emva kwakhe ityala. Ke kubalulekile hayi zama conceal fact ukususela bank, ngcono ukuba kuxoxwe iinketho ngayo. Eneneni, ibhanki unako restructure intlawulo okanye sika umyinge okanye kunikela kolibaziseko kwi intlawulo, ngaphandle kokuba ezinye intlawulo yi-ibe igcwalisiwe kamva kuba oko. I-eyona imbi kunokwenzeka kwimeko yesi-xa ibhanki exercises yayo isemthethweni ilungelo ukuba sithengise i-cambalala compulsorily. Kodwa ngokwenene ndingacingi khumbula na ukuthelekisa imizekelo enjalo iimeko - iibhanki ikholisa amicable kwaye shiya ithuba ukuba sithengise i-debtor"mg enye:"Mortgage yi ngenene highly risky instrument ukuba ufuna-mali competence kwaye namava zokusebenza kunye nezinye zemali izixhobo zemali izixhobo zemali - ubuncinane bank efakwa ebhankini. Uthatha i-mortgage kuthetha ukuba umntu ubala yakhe inkcitho, ukuze abe sele abanye imali kwi-uvimba ukuba abe nako ukwenza uhlawulo ubuncinane - zidlulileyo, ukuba lowo ugcina ngeliso kwiindawo zentengiso imeko. Ethabatha mortgage ngenene ifuna eziphezulu inqanaba mali nengqeqesho.
Kanjalo, kwi-bam imboniselo a mortgage yenza umntu significantly ngaphantsi mobile kwaye imida okkt inkululeko, ukususela ke elide kwaye ibandakanya ezininzi izibophelelo".
