Iyo yakakura muzana yechiyero chechikwereti haitsanangurwe nechero mutemo, asi mabhanga anowanzo kubvumirana kuti chikumbaridzo hachifanirwe kudarika i33% yemari inoraswa. Si mhedzisiro yaunowana inove yakakwira kupfuura 33%, chikumbiro chako chikwereti mota inogona kurambwa.
Uyezve, unoziva sei kana chikwereti chinogamuchirwa? Chinhu chekutanga chinotorwa mukuongororwa kwefaira Est, iyo yakanaka solvency yemutengi. Wekupedzisira anofanira kunge ari pachibvumirano chekusingaperi uye ave nemari inobhadharwa nguva dzose muakaundi yake. Zvadaro, chikwereti chayo hachifaniri kudarika 33%. Chiyero chiri pasi pechikumbaridzo ichi Est zvakatonyanya kubatsira.
Ndeipi nguva yekupedzisira yechibvumirano chechikwereti? Izvi muganhu wenguva kazhinji mazuva makumi mashanu, uye zvinoreva kuti mutengi ane mazuva makumi mana nemashanu dira mutore chibvumirano chechikwereti, zvikasadaro chirevo chekumisa chinobvisa chibvumirano chekutengesa. Saka tinofanira kukurumidza! Enzanisa mitengo yemahara!
Nderipi sangano rinogamuchira chikwereti nyore nyore? TOP 7 Masangano & Mabhangi Pano Lend Nyore
- FLOA Bank.
- Cetelem.
- Advanzia Bank uye Zero kadhi.
- Iyo Novum bank (mini chikwereti Casher)
- Iyo French Mutualist Bank.
- The Casden.
- Le chikwereti Nyika.
Asi sei ndisingakwanisi kukwereta?
Hapana baratos kodzero yechikwereti.
Imwe neimwe yebhangi institution inosarudza yayo nzira yekubvuma chikumbiro chechikwereti. Bhengi rako rine kodzero yekukuramba chikwereti kana richiona kuti mari yako yekubhadhara haina baratos zvinogutsa kana kuti chirongwa chako chine njodzi zvakanyanya.
Ndeipi nguva yekupedzisira yechibvumirano chechikwereti chako?
dira kuwana mari kubva Chikwereti chako classic: 8 kusvika 15 mazuva. dira wana mari yechikwereti diki isingasviki €200: 24 kusvika 72 maawa. Kuwana mari yechikwereti chemotokari: 8 kusvika 15 mazuva. dira kuwana mari kubva gadzirira real estate: mazuva gumi nemashanu kusvika kumwedzi miviri.
Inguva yakareba sei mushure mechibvumirano chechikwereti? chiziviso kugamuchirwa kwechipo che gadzirira : 10 mazuva
Iwe unogona chete kupa kubvuma kwakoaprès kupera kweizvi muganhu wenguva. Iwe unogona saka kudzosera kupihwa kune wako mukweretesi kubva pazuva regumi nerimwe netsamba uye yakasainwa.
Ndiani anosarudza pakupihwa kwechikwereti? bhanga, kana sangano re chikwereti, kupa gadzirira isingazununguki.
Ndechipi kunonoka pakati pechikwereti uye kusaina gwaro rekupedzisira?
Le kunonoka pakati kugamuchira iyochikwereti kupihwa and the siginicha pa notary haifanire kupfuura mwedzi mina. Kureva: kamwe iyoyekupedzisira kupihwa inogamuchirwa nebhangi, iwe unofanirwa kumirira yakaderera mazuva gumi nerimwe usati wagadzirisa chibvumirano chako.
Ndechipi chikwereti chiri nyore kuwana? the chikwereti zvekushandisa pa nyore kuwana chikwereti renewable. Chokwadi, the chikwereti kutenderera - kare yainzi cash reserve kana chikwereti kutenderera - inoda magwaro mashoma anotsigira kupfuura vakoma vake vechikwereti, chikwereti motokari kana chimwe chikwereti chebasa.
Nzira yekuwana chikwereti nechokwadi?
Kuti chikwereti chigamuchirwe, mamiriro emukwereti anofanira kuenderana nezvinodiwa nemasangano echikwereti nemabhangi. Semuenzaniso, iwe unofanirwa kuve uine yakakwana yekukwereta, kuve nemari yakatarwa uye kunyanya kuve nechibvumirano chebasa chenguva refu.
Ndinoita sei kuti chikumbiro changu chechikwereti chigamuchirwe? Mamiriro makuru ekugamuchira a chikwereti kushandiswa
- Usaomerwe
- Maximum chikwereti chiyero che50% (rendi yekubhadharisa kana chikwereti immo / (mari yemari - pensions)
- Rudzi rwebasa: ingangoita CDI imwe (dzimwe nguva CDD kana Interim inogona kupasa kwediki chikwereti )
Ndezvipi zvikonzero zvekuramba chikwereti chemortgage?
Zvikonzero zvikuru zve a kunyimwa chikwereti
Kana mbiri yako yekukwereta isina kugadzikana: nguva dzose overdrafts, mari yekumanikidza, faira neBanque de France, kunyoreswa muPersonal Credit Repayment Incident File (FICP), nezvimwe.
Nzira yekuwana chikwereti kana mabhangi achiramba?
komenda tora yako gadzirira real estate zvisinei nekuramba kwako bhangi ?
- Ongorora faira yako chikumbiro chikwereti uye chenesa maakaundi ako nekugadzirisa zvikwereti zvako zvazvino, semuenzaniso.
- Poterera vamwe mabhanga .
- Bata real estate broker (pamhepo kana mubazi) kuti ikubatsire.
Ndinoita sei kuti chikumbiro changu chechikwereti chigamuchirwe? Mamiriro makuru ekugamuchira a chikwereti kushandiswa
- Usaomerwe
- Maximum chikwereti chiyero che50% (rendi yekubhadharisa kana chikwereti immo / (mari yemari - pensions)
- Rudzi rwebasa: ingangoita CDI (nenguva CDD kana Interim inogona kupfuura dira zvishoma chikwereti )
Zvinotora nguva yakareba sei pakati pekupihwa kwechikwereti nekusaina gwaro rekupedzisira? the kunonoka pakati kugamuchira iyochikwereti kupihwa and the siginicha of l 'chiito chekupedzisira kune notary haifanire kuwedzera kupfuura mwedzi mina. Kana wangodzosera yako chikwereti kupihwa, zivisa notary yako kuitira kuronga nguva yekusangana kwe siginicha of l 'chiito zvechokwadi mu muganhu wenguva zvakagoverwa.
Bhangi ringadzoke pachikwereti here?
Kwete, kana iwe uchibvumapa zvisati zvaitika mukati menguva dzepamutemo (mazuva gumi mashoma, mazuva makumi matatu epamusoro), iyo bhangi ne may baratos dzokera paari pa.
Kuburitswa kwemari kuri kufamba sei? Zvepfuma yekare. Mutengo wakakwana weimba yacho unofanirwa kubhadharwa kune mutengesi pazuva rekutengesa. the kuvhura saka yakaitirwa mari yese yechikwereti kune notary. Mushure mekupedza maitiro ese ekutonga, notary inoendesa iyo mari kubhengi rebhangi remutengesi.
Ndeipi Danho mushure mekusaina kupihwa kwechikwereti?
La siginicha chechokwadi chechiito chinofanira kuitika mukati memwedzi mina après la siginicha of l 'chikwereti kupihwa. Kuburitswa kwemari kunoitika mazuva mashoma pamberi pe siginicha chegwaro rechikwereti. Mari yacho ichaendeswa kuaccount yenotary.
Ndiani anosimbisa faira remortgage? Kusimbiswa kwe gadzirira nebhangi: iyo yekupedzisira inodzidza chikumbiro chako mogeji, mupiro wako wega, chikwereti chako, nezvimwe. Inoongorora njodzi yako dossier. Si le gadzirira zvine njodzi, chikumbiro chinotora nguva yakareba kuti uwane mhinduro.