Realkredit

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The Realkredit

Chilichonse cha ngongole ndi Realkredit, Mosiyana ndi kubwereka ngongole pogwiritsa ntchito ndalama zamwezi, ngongole imeneyi imagwiritsidwa ntchito ngati ndalama. Choncho, ngakhale okongola omwe sali okwanira creditworthiness kapena nkhanza zolakwika akhoza kubwereka ngongole.

Kodi ndi chiani chomwe chimapangitsa kuti phindu likhale logwirizana?

Monga lamulo, eni eni eni nyumba amagwiritsa ntchito nthawi yowonjezereka kuti athe kukonzanso nyumba kapena nyumba zawo. Monga chuma chenichenicho kapena malonjezano, malowa angagwiritsidwe ntchito ngati mawonekedwe a ngongole kapena malipiro a dziko. Komabe, ngongole yeniyeni ingagwiritsidwenso ntchito kuonjezera ndalama zamakono.
Chiwongoladzanja chikhoza kukhala chosasintha kapena chosasinthika. Malire a ngongole nthawi zambiri ndi 60 peresenti ya mtengo wa chinthu chokongoletsedwa. Pankhani ya realkreditsplitting, malire apamwamba kwambiri angagwiritsidwe ntchito payekha.

Kodi Realkreditsplitting ndi chiyani?

Kugawidwa kwa ngongoleyi nthawi zonse kumakhala kofunika ngati malipiro a ngongole ali pamwamba pa chiwerengero cha 60 peresenti ndipo motero chiwerengero chowopsa chowopsa chikufunika. Mwachizoloŵezi, kusiyana kumapangidwa pakati pa zenizeni zenizeni ndi zenizeni zenizeni.

Weniweni weniweni wokongola ngongole

Zonse za ngongole za 2, zomwe zimatchedwa real-credit credit note, ndipo ngongole yokhala ndi malo olembetsera zolembera kumapeto. Ndalama zonsezi "zimagawidwa" m'magawo awiri, mwachitsanzo, kugawa.

Kugawidwa kwachinyengo komweko

Mu analipo kubweza akuwaza gawo la ngongole yachibadwa weniweni ndi 60 peresenti kukongoza malire ndi kanthu, kuchuluka otsala ukufanizidwa ndi munthu wabwinobwino ngongole munthu analandira. Pankhani yobwereketsa izi, zonsezi zimangotsirizidwa kupyolera mu mgwirizano wa ngongole.
Pofuna kupeza malire, wobwereka ayenera kupita ku malo ena a ngongole, popeza sizinthu zonse zachuma zimapereka ngongole yeniyeni.

Ndani amapereka chilolezo chololedwa?

Ngati mukufuna kulemba ngongole yeniyeni, mudzapeza kuti si banki iliyonse yomwe imapereka ngongoleyi. Kuwonjezera pa mabungwe apadera a ngongole, makampani otsatirawa ali ndi mwayi wopereka ngongole yapaderayi.
Izi ndi mabanki osungira, mabanki othandizira, mabungwe omanga nyumba ndi mabanki amalonda. Musanayambe kubweza ngongole, muyenera kudziwitsa za zosiyana. Izi zingakupulumutseni ndalama.

Kodi ndi zinthu ziti zimene munthu wobwereka ayenera kuchita?

Kuti tipeze ngongole yotetezedwa pogwiritsira ntchito chuma, zofunika zina zofunika ziyenera kukwaniritsidwa:
Kampani ya ngongole iyenera kukhala ndi laisensi kuti mukhoze kupereka ngongole zenizeni, mwachitsanzo, ngongole yochokera kumsika.
- Phindu la katunduyo liyenera kuyesedwa ndi katswiri wodziimira payekha polemba ndi kuwonetsa mtengo wamsika wamakono ndi mtengo wofunika wa msika mtengo ina anachita.
- Mtengo wa malonda wa malowo uyenera kuyang'aniridwa nthawi zonse panthawi yonse ya ngongole. Bungwe la malamulo likunena kuti payekha ngongole yapadera imaperekedwa payekha, cheke iyenera kuchitidwa patapita zaka zitatu, pakakhala ngongole zamalonda, ngakhale mkati mwa miyezi ya 12.
- Wokongolayo ayenera kukhala ndi inshuwalansi yake mokwanira chifukwa cha kuwonongeka kwa inshuwalansi yapanyumba yapadera.
- Wobwereketsayo ayenera kukhazikitsanso malamulo mwachangu pakakhala zovuta.

Kutsiliza

Kukhazikitsidwa kwa boma kungakhale njira yabwino yobwereketsa ndalama kwa nthawi yaitali popanda ndalama zokwanira zokwanira kapena ndalama zokwanira za mwezi. Chokhumudwitsa ndichoti mtundu uwu wa ngongole ndi wa eni eni okha. Ngati zamoyo zikusintha ndipo simungakwanitse kukwaniritsa zofunikira zanu pa nthawi, mukhoza kutaya katundu wanu kwa wobwereketsa. Choncho pamapeto pake a Realkredit ayenera kuganiziridwa bwino.

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