I-mortgage iyithuluzi elihle (hhayi kuphela) endleleni yokuba nomuzi wakho. Kodwa-ke, iningi lamaCzech liyibuyisela okungenani iminyaka engama-20, lapho kungase kube namathuba ambalwa amahle okuxoxisana ngenani lenzalo elingcono. Ekugcineni, cishe wonke umuntu unethuba lokonga ngenzalo. Kungalokhu-ke lapho lokho okubizwa nge-refinancing kudlala indima ebaluleke kakhulu. Kodwa kukhona izinhlanzi ezincane. Umuntu akumelwe aphuthelwe isikhathi esifanele, futhi ngokuphambene nalokho, umuntu kufanele agcine iso ngosuku olulodwa oluyisihluthulelo - ukuphela kokulungiswa.
Ukuxhaswa ngezimali kwe-mortgage
Njengoba sishilo ngenhla, uma ufuna ukonga imali ebolekiwe ngangokunokwenzeka, ukubuyisela imali kudlala indima ebaluleke kakhulu. Uma kunjalo, uzokhokha isikweletu sakho ebhange elikhona nge-mortgage entsha okuxoxiswene ngayo nelinye ibhange. Lona umkhuba ojwayelekile futhi ophephile ukubhekana nentshisekelo ekhulayo. Ngesikhathi esifanayo, lolu khetho luletha nezinye izinzuzo. Ngaphezu kwenzalo, i-mortgage inganyuswa, inwetshwe noma, ngokuphambene, ifinyezwe.
Konke kunombandela owodwa kuphela. Bheka nje umnqamulajuqu oshiwo wokuphela kokulungiswa bese uqala ukuxazulula yonke inqubo yokubuyisela imali ngaphambi kokuthi iphelelwe yisikhathi. Esimweni esinjalo, yiqiniso, izinqubo eziningana ezingenzeka zinikezwa. Kuphakathi kokuthi ungenza ngokwakho, noma ungathembela emandleni obuchwepheshe besimanje futhi wenze yonke inqubo ibe lula. Ngaphezu kwalokho, okwamanje yithuba elifaneleka kakhulu lokuthola kabusha imali. Uma wathatha imali yokubolekwa imali eminyakeni emine kuya kwemihlanu edlule, ukubuyisela kabusha kuyadingeka ngempela. Izilinganiso zenzalo zisezingeni elihluke ngokuphelele njengamanje, elingenza isikhwama sakho semali singakhululeki. Ngakho-ke kuphakama umbuzo olula. Ungakuvimbela kanjani lokhu?
I-Mortgage Watcher
Uhlelo lokusebenza lwewebhu oludumile lunikezwa njengesixazululo esifakazelwe hyponamíru.cz. Emuva kwayo kunesiqalo se-Czech fintech esisebenza ngokukhethekile emalini ebolekiwe, ukubuyisela imali nokuphathwa kwayo. Le nkonzo idlula kakhulu amathuba ezinye izindlela ezitholakalayo futhi iletha ngokukhethekile inani lezinketho kubantu, kusukela ekuhlelweni kwe-mortgage, ngokusebenzisa "ukuqapha" nokuphathwa kwayo, kuya ekubalweni kwezindlu nezindlu. Ngakho-ke akusona nje isibali se-mortgage, kodwa isisombululo esibanzi esinenani lezinye izinzuzo. Ingxenye engcono kakhulu, yiqiniso, ukuthi ungakwazi ukuxazulula cishe yonke into ngokunethezeka kwekhaya lakho.
Ingxenye ebalulekile ye-hyponamíru.cz umsebenzi obizwa ngokuthi I-Mortgage Watcher, okusebenza ukuqapha izinsuku eziwumnqamulajuqu ezibalulekile futhi kamuva kube lula ukubuyiswa kwezimali. Ukuze uthole uxhaso lwemali ye-mortgage, kubalulekile ukuthi wazise ibhange lakho ngalesi sinyathelo okungenani izinsuku ezingu-30 ngaphambi kokuphela kokulungiswa babazisa. Ngakho-ke, kufanelekile ukuqala ukuxazulula yonke indaba ngesikhathi, okungenani izinyanga ezimbili ngaphambi kokuphela kokulungiswa okukhulunywe ngenhla. I-Mortgage Watcher izokwazisa ngakho konke lokhu ngesikhathi esifanele, okuzokusiza futhi ngezilungiselelo ezingcono kakhulu. Ibhange le-mortgage eliku-inthanethi liyisikhungo sayo yonke into eyenzekayo ku-hyponamíru.cz. Ngakho-ke ungakwazi ukubona kahle yonke into esikrinini, okuhlanganisa nesiteji okuso sokuxhasa kabusha i-mortgage yakho.
Esimweni esinjalo, isicelo sewebhu sizonakekela yonke into ngokuqondile - kusukela kulwazi olufika ngesikhathi kanye nokuthola ukunikezwa okungcono kakhulu, ukulungiswa kwemibhalo edingekayo kanye nesicelo esilandelayo. Kodwa masisheshe sikukhanyisele yonke le nqubo. Okokuqala udinga ukuya Izibalo ze-mortgage for refinancing, lapho udinga kuphela ukugcwalisa okubalulekile informace. Ngesikhathi esifanayo, kubalulekile ukukhetha lapha ukuthi sifuna ukuxazulula uxhaso lwe-inthanethi ngebhonasi, noma lokho okubizwa ngokuthi ukuguga ngokusebenzisa umeluleki. Ukuxazulula yonke into ku-inthanethi, sichofoza inketho yokuqala. Ngokulandelayo, nokho, sithuthela ebhange lempahla, lapho zonke izinhlinzeko ziboniswa khona, ezingase zihlungwe ngokuya ngemingcele ekhethwayo, isibonelo, ngokuya ngenani lenzalo.
Uma ukhokha imali mboleko yakho futhi ususondele ekupheleni kokulungisa kwakho, akufanele neze uzindele. Uma kubhekwa izinga lamanje lezilinganiso zenzalo, kufanelekile ukuhlela ukubuyiswa kwezimali ngesikhathi. Ngakolunye uhlangothi, akudingekile ukuba ulinde ngokungadingekile kuze kufike usuku olushiwo. Ungakwazi ngokushesha a mahhala ngokuphelele paka ngaphansi kwamaphiko e-hyponamíru.cz futhi uvumele u-Hlídáč hótéky akunakekele cishe yonke into. Ngesikhathi esifanayo, uzothola ezinye izinzuzo ezinhle kakhulu - ngoba ungakwazi ukuxazulula yonke into ngokunethezeka kwekhaya lakho, ngosizo lwabachwepheshe bangempela, futhi uqiniseke ukuthi ngeke uphuthelwe noma yikuphi ukunikezwa okuhle noma umnqamulajuqu obalulekile. Ibhange lemali yezindlu ezilula, okuyisikhungo sazo zonke izenzo, lidlala indima ebaluleke kakhulu kulokhu. I-Hyponamíru.cz iphinde igcizelele ukuphepha okuphelele nobumfihlo. Ngakho-ke yonke idatha yomsebenzisi ivikeleke kakhulu.
Thola i-mortgage yakho ibuyekezwe ku-inthanethi lapha
Ukulinganiswa kwesakhiwo
Ngokungeziwe emshinini wokubala we-mortgage kanye ne-mortgage watch, isixazululo se-inthanethi se-hyponamíru.cz sinikeza umsebenzi owodwa obaluleke kakhulu. Sikhuluma ngemojula ekhethekile ye Isilinganiso sentengo yezindlu, okuzoba usizo kubo bobabili abathengisi nabathengi. Kulokhu, isofthiwe isebenza ngomthungo wangaphandlecarubuchwepheshe besilinganiso esinembile kunazo zonke, esinezelwa idatha etholakalayo evela ezinhlinzekweni zamanje nezomlando ezingosini ezinkulu zezindlu ezithengiswayo e-Czech Republic, idatha evela ku-real estate cadastre kanye namathuba obuhlakani bokwenziwa.
Wonke umuntu angabheka intengo yezindlu ezithengiswayo ku-inthanethi ngokushesha futhi kalula, ngokuqondile esipheqululini se-inthanethi. Ngakho-ke lokhu kuyinketho ephelele kokubili kumthengisi wendawo futhi, ngokuphambene, kumuntu onentshisekelo, ongathola inani elilinganisiwe futhi aqhathanise ngokushesha ukuthi intengo yamanje ayidluleli yini. Njengokuvamile ku-hyponamíru.cz, kugcizelelwa kakhulu ekubeni lula kanye nenduduzo ephelele nakuleli cala. Esigabeni sokuqala, udinga kuphela ukukhetha ukuthi ifulethi noma indlu, ugcwalise idatha edingekayo (indawo yokuhlala, inombolo yamakamelo, unyaka wokwakhiwa, isimo, njll.) bese ufaka idatha yomuntu siqu efomini. yegama ne-imeyili, olinganisela ukuthi ifika kuyo.
Ungathola isilinganiso senani lezindlu ezithengiswayo lapha
Isilinganiso sentengo yezindlu ezithengiswayo isinyathelo ngesinyathelo
Mayelana ne-hyponamíru.cz
I-Hyponamíru.cz yethula isixazululo esihle futhi, ngaphezu kwakho konke, esiphelele esingakwazi ukunakekela ukusetha, ukuphatha noma ukuxhasa kabusha i-mortgage. Njengoba sesishilo kakade, inzuzo enkulu induduzo iyonke. Empeleni konke kungaxazululwa ngokunethezeka kwekhaya lakho. Ukungafihli nakho kubaluleke kakhulu. Wonke umsebenzisi unombono oningiliziwe wazo zonke izinto ezibalulekile ngokuqondile ebhange lempahla yezindlu, okuhlanganisa, vele, izinkokhelo, izilinganiso zenzalo nokunye. Isixazululo sonke sisekelwa ngokuqondile ithimba lochwepheshe abanolwazi lokubolekwa kwezindlu. Babamba iqhaza ekukhuleni kwendawo yesikhulumi futhi baqinisekise ukuthi wonke umuntu angathola imali ebolekiwe enhle kakhulu ngaphandle kwezithiyo ezingadingekile.
Ukubhekana ne-mortgage noma ukubuyisela kabusha kwayo akulula impela. Kungakho kungalimazi ukuba nozakwethu onolwazi ukuze akuqondise kuyo yonke inqubo. Kodwa-ke, i-Hyponamíru.cz ikuyisa kwelinye izinga - iletha ukuqwashisa okudingekayo endaweni yaseCzech. Ngokukhethekile, ukhiqiza i-podcast Ukuze uthole i-mortgage engcono kanye nezindaba ze-mortgage I-HypoNews ku-Youtube. Lezi izinhlelo ezimfushane kakhulu lapho ongoti bezindlu ezibolekwayo bekhuluma ngamaqiniso abalulekile okuhle ukuthi wazi kusenesikhathi.
Ingxoxo yesihloko
Ingxoxo ayivulwanga lesi sihloko.