Isicelo sokukhululwa kwe imali inokwenziwa ngumboleki okanye unobhala wenkundla. Ukuba ibhanki ayinamali que ukuthengwa komhlaba, i-notary yenza umnxeba imali Kufuphi nebhanki. Kule meko, i-notary ithumela ibhanki isicelo sokukhululwa kwe imali.
Ngendlela, Kuthatha ixesha elingakanani ukukhulula imali yemali mboleko yezindlu nomhlaba? THE ixesha lokukhululwa des imali
Emva kokugxothwa de umnikelo ophawula ulwamkelo lwakho, une Umda wexesha zomthetho de iintsuku ezilishumi zabizwa Nceda ukucinga. kudlule oku Umda wexesha, les imali ye iprojekthi yakho engenakususwa iya kuvulwa ngomhla weshumi elinanye.
Ngubani ofanele enze isibheno sonyuso-mali? Ligqwetha qui uya kufezekisa ibiza imali kunye nebhanki yakuba nje utyikityo lwenziwe.
Indlela yokukhupha imali ngaphandle kwee-invoyisi? Njengoko umboleki kunganyanzelekanga ukuba aqale anike uqikelelo lokuqinisekisa ukusetyenziswa kwe imali, kwakhona akuyi kufuneka ukubonelela nayiphi na imali kuthulula les vula. le ukuvulela des imali iya kwenziwa ngokuzenzekelayo emva kokusayina isivumelwano kunye ne-arhente yekhredithi.
Nangona kunjalo, ngaba iibhanki zijonga ii-invoyisi?
Ukuqinisekiswa kwe imali mboleko yomsebenzi ivumela iibhanki ukugada olu hlobo lobuqhophololo. Ngaphezu koko, bahlala belinda ubungqina bentlawulo (ukunikezelwa kwetshekhi bank, itikiti lekhadi letyala, isaziso sodluliselo) phambi kokukhupha imali ebonisiweyo.
Yintoni ukulibaziseka phakathi kwemali mboleko kunye nokutyikitywa kwesivumelwano sokugqibela?
Le ukulibaziseka phakathi Ukwamkelaimali mboleko et la sayina kwi-notary akufuneki igqithe iinyanga ezi-4. Oko kukuthi: kanyeumnikelo wokugqibela efunyenwe yibhanki, kufuneka ulinde ubuncinci beentsuku ezili-11 ngaphambi kokuba uphinde wenze isivumelwano sakho.
Ngaba umntu owenza izivumelwano notari ubiza nini imali? Xa igqwetha lisenza l 'ukubizwa de imali ? Xa uthatha imali-mboleko yendlu ukuze ufumane umhlaba, ezi imali zidipozithwe liziko lebhanki de kutyikitywe isivumelwano esinyanisekileyo. Yeyona ummeli olungisa izivumelwano ngubani oza kubuza imali ebhankini ukuba utyikityo iye okwenzileyo.
Ngaba ibhanki ingabuyela kwimali-mboleko? Hayi, ukuba uyayamkela ibanikele kwangaphambili ngexesha elibekiweyo elisemthethweni (ubuncinane beentsuku ezili-10, iintsuku ezingama-30 ubuninzi), i bank ne kungaba pas ukubuyela Kwakhe banikele.
Ngowuphi ummeli obiza imali?
Xa ifayile ye- umnxeba wemali ? Xa uthatha imali-mboleko yendlu ukuze ufumane umhlaba, ezi imali zidipozithwe liziko lebhanki de kutyikitywe isivumelwano esinyanisekileyo. Yeyona ummeli olungisa izivumelwano ngubani oza kubuza imali ebhankini ukuba utyikityo iye okwenzileyo.
Ifaka isibheno nini ingxowa-mali? THE ummeli olungisa izivumelwano kufuneka uqhubeke kwiukubizwa de imali Kufuphi nebhanki. Emva koko ithumela "isicelo sokuvula i imali » echaza isixa kunye nomhla wokutyikitywa kwesiqinisekiso somthetho. Oko kukuthi: Olu kukhululwa alandelayo yaye ngokudluliselwa kwebhanki ku ummeli olungisa izivumelwano. Intlawulo ye imali yenzeka xa kusayinwe isivumelwano se-notarial.
Uyivula njani ingxowa-mali yokusebenza yeCredit Agricole?
Ungasithumela izicelo zakho ngokuthe ngqo. ukuvulela, ngaphandle kokuya kwi-arhente yakho ukusuka kwindawo yakho yobuqu Crédit Agricole Kwi-intanethi okanye kwisicelo seBhanki yam. Kubalulekile: inombolo yetransekshini ivela kwiphepha lokuqala lemali-mboleko yakho kwaye iquka oonobumba aba-1 kunye neenombolo ezi-2.
Uyifumana njani i-invoyisi yomgunyathi? Ilula nangona:
- Fumana ijerk ukwenza umsebenzi KUNYE unxibe umnqwazi. …
- Usajonge ngokusondeleyo okanye ukude ukuba ikhangeleka njani na bill . ...
- Musa ukukhankanya ukuba yi-a i-invoyisi yobuxoki ngaphezulu. …
- Khetha isizathu esinokuba yinyani ukubhala le okanye ezi imali .
Uyivula njani imali yeCredit Agricole?
- Ngena kwindawo yakho ekhuselekileyo Crédit Agricole kwi-intanethi usebenzisa izazisi zakho.
- Fikelela kwibhokisi yakho yemeyile Crédit Agricole kwi-intanethi.
- Cofa u-Bhala ukuze ubhale umyalezo omtsha.
- Khetha “7- Isicelo se ukuvulela mboleko yezindlu” kuluhlu lwezinto ezinikezelwa kuwe.
Yintoni i-invoyisi yomgunyathi?
Uxwebhu lobuxoki olukhutshiweyo luya kugubungela ukuhanjiswa kwangempela kweempahla okanye unikezelo lweenkonzo lokwenyani. I imali esekwe ngumthengisi wokwenyani zenziwa kumagama obuxoki, amanga iidilesi okanye izixa ezingahambelaniyo nezo ziziswe ngokwenene.
Nguwuphi umsebenzi onokufakwa kwi-mortgage? Nguwuphi umsebenzi onokufakwa kwimali mboleko yezindlu ?
- yonke into enxulumene nesakhiwo: isakhelo, uphahla, iindonga, imigangatho, njl.;
- ukwahlukanisa kunye nokuvuselelwa kwamandla;
- uqhagamshelo kumbane, amanzi okanye igesi;
- les iyasebenza ukuphuculwa kwekhaya: igumbi lokuhlambela okanye ukulungiswa kwekhitshi;
Leliphi inyathelo emva kokutyikitya isithembiso semali-mboleko? Pha sayina lwesenzo sokwenyani kufuneka senzeke ngokubanzi kwiinyanga ezi-4 après la sayina de l 'imali mboleko. Ukukhutshwa kwemali kwenzeka kwiintsuku ezimbalwa ngaphambi kokuba sayina kwi-notarial deed. Iimali ziya kudluliselwa kwi-akhawunti ye-notary.
Ungatyikitya nini unikezelo lwemali-mboleko?
Ekufumaneni iimali mboleko I-real estate, unexesha elisemthethweni nelisisinyanzelo lokubonisa iintsuku ezili-10. L'imali mboleko ke ngoko inokusayinwa kuphela kwaye ibuyiselwe emva kokuphela kweli xesha, oko kukuthi ukusuka kwi-11 kuphelaeME Usuku lwekhalenda olulandela umhla wokufunyanwa koxwebhu.
Ungabala njani unikezelo lwemali mboleko yeentsuku ezili-11? Iqala emva kosuku ofumana ngalobanikele. Ngoko unako ukubuyisela ibanikele kumbolekisi osuka 11e ngosuku ngeposi yomhla kwaye isayinwe. Umzekelo: A imali mboleko ifunyenwe ngo-1er UFebruwari unokwamkelwa kuphela ukusuka nge-12 kaFebruwari.
Siqhutywa njani isibheno esibambekayo sommeli?
Le ummeli olungisa izivumelwano kufuneka uqhubeke kwibiza imali Kufuphi nebhanki. Emva koko ithumela "isicelo sokuvula i imali » echaza isixa kunye nomhla wokutyikitywa kwesiqinisekiso somthetho. Ukwazi : Ce ukuvulela se eyenziwe ngokugqithiselwa kwebhanki ku ummeli olungisa izivumelwano. Intlawulo ye imali yenzeka xa kusayinwe isivumelwano se-notarial.
Yenziwa njani intlawulo kwi-notary? i inkokhelo ixabiso se yenziwe ngemali kunye ne ummeli olungisa izivumelwano njengomthetheleli. Kwiimeko ezininzi, i inkokhelo ixabiso se eyenziwe ngemali xa kusayinwa uxwebhu lwentengiso kunye se yenziwe ngee-akhawunti ze ummeli olungisa izivumelwano. Intlawulo inokwenziwa ngokudluliselwa kwebhanki okanye ngetsheki.
Senziwa njani isibheno esibambekayo?
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