Chiwopsezo chachikulu cha chiŵerengero cha ngongole sichimatanthauzidwa ndi lamulo lililonse, koma mabanki nthawi zambiri amavomereza kuti malire oti asapitirire ndi 33% ya ndalama zomwe zimagwiritsidwa ntchito. Si zotsatira zomwe mumapeza zimakhala zapamwamba kuposa 33%, zomwe mukufuna ngongole galimoto ikhoza kukanidwa.
Komanso, mumadziwa bwanji ngati ngongole ikuvomerezedwa? Chinthu choyamba chomwe chimaganiziridwa pakuwunika fayilo Est, solvency yabwino ya kasitomala. Womalizayo ayenera kukhala pa kontrakitala yokhazikika ndikukhala ndi ndalama zomwe amalipira nthawi zonse mu akaunti yake. Kenako, ngongole zake siziyenera kupitilira 33%. Mtengo wochepera pano Est zopindulitsa kwambiri.
Kodi tsiku lomaliza la mgwirizano wa ngongole ndi liti? Izi zindikirani Nthawi zambiri imakhala masiku 45, ndipo zikutanthauza kuti wogula amakhala ndi masiku 45 kutsanulira mutenge iye pangano la ngongoleKupanda kutero, gawo loyimitsidwa lidzaletsa mgwirizano wogulitsa. Tiyenera kuchitapo kanthu mwachangu! Fananizani mitengo yaulere!
Ndi bungwe liti lomwe limalandira ngongole mosavuta? TOP 7 Mabungwe & Mabanki O bwereketsa Mosavuta
- FLOA Bank.
- Cetelem.
- Advanzia Bank ndi khadi ya Zero.
- Banki ya Novum (mini ngongole Zamgululi
- Banki Yachi French Mutualist.
- Maofesi a Casden.
- Le ngongole Malo.
Koma bwanji sindingathe kubwereka?
Palibe yanga ufulu wangongole.
Bungwe lililonse lakubanki limasankha njira zake zovomerezera pempho la ngongole. Banki yanu ili ndi ufulu wakukanani ngongole ngati ikuwona kuti kubweza kwanu sikuli yanga zokhutiritsa kapena kuti polojekiti yanu ndi yowopsa kwambiri.
Kodi tsiku lomaliza la mgwirizano wa ngongole zaumwini ndi liti?
chifukwa kupeza ndalama Ngongole yaumwini classic: masiku 8 mpaka 15. chifukwa pezani ndalama zangongole zazing'ono zosakwana €200: maola 24 mpaka 72. Kupeza ndalama zobwereketsa galimoto: masiku 8 mpaka 15. chifukwa kupeza ndalama okonzeka nyumba: masiku 15 mpaka 2 miyezi.
Kodi mutagwirizana bwanji ndi ngongole? zindikirani kuvomereza kupereka kwa okonzeka : masiku 10
Mutha kungopereka kuvomereza kwanupambuyo kutha kwa izi zindikirani. Chifukwa chake mutha kubweza choperekacho kwa wobwereketsa wanu kuyambira tsiku la 11 ndi kalata yolembedwa komanso yosainidwa.
Ndani amasankha pa kuperekedwa kwa ngongole? banki, kapena bungwe la ngongole, kupereka okonzeka osasunthika.
Kodi kuchedwa ndi kotani pakati pa ngongole yomwe mwalandira ndi kusaina chikalata chomaliza chomaliza?
Le kuchedwa pakati kulandirakupereka ngongole neri La siginecha pa notary sayenera kupitirira miyezi 4. Umu: kamodzimwayi womaliza olandilidwa ndi banki, muyenera kudikirira masiku osachepera 11 musanabwererenso mgwirizano wanu.
Kodi ngongole yosavuta kupeza ndi iti? ndi ngongole za kumwa pa zosavuta kupeza ndi ngongole zongowonjezwdwa. Inde, a ngongole kuzungulira - m'mbiri yakale kunkatchedwa kosungirako ndalama kapena ngongole kuzungulira - kumafunikira zikalata zocheperako kuposa abale ake angongole, ngongole galimoto kapena ngongole yantchito ina.
Kodi mungatani kuti mupeze ngongole?
Kuti ngongole ivomerezedwe, mkhalidwe wa wobwereka uyenera kukhala wogwirizana ndi zofunikira za mabungwe a ngongole ndi mabanki. Mwachitsanzo, muyenera kukhala ndi mphamvu zokwanira zobwereka, kukhala ndi ndalama zokhazikika komanso makamaka kukhala ndi mgwirizano wanthawi yayitali.
Kodi ndingalandire bwanji pempho langa langongole? Zinthu zazikulu zovomera a ngongole kumwa
- Osakhazikika
- Chiwongola dzanja chachikulu cha 50% (malipiro a renti kapena ngongole immo / (ndalama zopeza - penshoni)
- Mtundu wa ntchito: CDI imodzi yokha (nthawi zina CDD kapena Interim imatha kudutsa pang'ono ngongole )
Kodi zifukwa zokanira ngongole yanyumba ndi ziti?
Zifukwa zazikulu za a kukana kubweza ngongole
Ngati mbiri yanu yobwereka siyikhazikika: kubweza nthawi zonse, kuwononga ndalama mokakamiza, kutumiza ku Banque de France, kulembetsa mu Fayilo ya Personal Credit Repayment Incident (FICP), ndi zina.
Kodi mungapeze bwanji ngongole pamene mabanki akukana?
Comment tenga wanu okonzeka malo ngakhale kukana kwanu banki ?
- Onaninso fayilo yanu pempho la ngongole ndikuyeretsa maakaunti anu mwa kubweza ngongole zomwe muli nazo, mwachitsanzo.
- Pitani mozungulira ena mabanki .
- Lumikizanani ndi wogulitsa nyumba (pa intaneti kapena ku bungwe) kuti akuthandizeni.
Kodi ndingalandire bwanji pempho langa langongole? Zinthu zazikulu zovomera a ngongole kumwa
- Osakhazikika
- Chiwongola dzanja chachikulu cha 50% (malipiro a renti kapena ngongole immo / (ndalama zopeza - penshoni)
- Mtundu wa ntchito: osachepera CDI (CDD nthawi kapena Interim ikhoza kudutsa kutsanulira pang'ono ngongole )
Zimatenga nthawi yayitali bwanji pakati pa kupereka ngongole ndi kusaina chikalata chomaliza? THE kuchedwa pakati kulandirakupereka ngongole neri La siginecha de A L 'chomaliza pa notary sayenera kuwonjezera pa miyezi 4. Mukangobweza zanu kupereka ngongole, dziwitsani notary wanu kuti mupange nthawi yokumana ndi a siginecha de A L 'mchitidwe zenizeni mu zindikirani kupatsidwa.
Kodi banki ingabwerenso kubwereketsa ngongole?
Ayi, ngati mukuvomerezakutsatsa zisanachitike m'masiku omaliza ovomerezeka (masiku 10 osachepera, masiku 30 opambana), the banki ne mungathe yanga kubwerera pa ake kutsatsa.
Kodi kutulutsa kwandalama kukuyenda bwanji? Kwa katundu wakale. Mtengo wonse wa malowo uyenera kuperekedwa kwa wogulitsa pa tsiku la malonda. THE kutsegula chifukwa chake adapanga ndalama zonse zangongole kwa notary. Mukamaliza njira zonse zoyendetsera, notary adzasamutsa ndalama ku akaunti yakubanki ya wogulitsa.
Kodi nditani mutasayina kubwereketsa?
La siginecha zowona ziyenera kuchitika mkati mwa miyezi inayi pambuyo la siginecha de A L 'kupereka ngongole. Kutulutsidwa kwa ndalama kumachitika masiku angapo isanafike siginecha za ntchito ya notarial. Ndalamazo zidzatumizidwa ku akaunti ya notary.
Ndani amatsimikizira fayilo yanyumba? Chitsimikizo cha okonzeka ndi banki: omaliza amaphunzira zomwe mukufuna kubweza ngongole, chopereka chanu, ngongole yanu, ndi zina. Imayesa kuopsa kwanu dossier. Si le okonzeka ndizowopsa, pempholi litenga nthawi yayitali kuti liyankhe.