Nje ukuba ifayili igqityiwe, umcebisi ngebhanki uyayithumela kulawulo lwakhe ukuze que lo uyavuma yomgaqo. Ukuze uthathe isigqibo sokuba ngaba this ngamxhelo ikhutshiwe okanye hayi, ivavanya ifayile ngokweekhrayitheriya ezithile (yile nto que oko kubizwa ngokuba “kukufaka amanqaku”) kwaye kubhekiswa ngqo kwiziko ngalinye.
Ukongeza, yeyiphi ibhanki enika i-mortgage ngokulula? Phakathi kweziseko ezibolekayo facilement kuthulula un ubambiso, ufumana: iibhanki ii-generalists zesizwe ezifana neCIC, i Bank Iposi, i-BNP Paribas, i-LCL, njl. I iibhanki abasebenzisanayo okanye ookopolotyeni abanje ngeCrédit Mutuel, Caisse d'Épargne, la Bank Ezidumileyo, njl.
Ngubani oqinisekisa ifayile yokubambisa? Ukuqinisekiswa kwe lungile yibhanki: lo wokugqibela ufunda isicelo sakho ubambiso, igalelo lakho lobuqu, ityala lakho, njl. Ivavanya umngcipheko wakho irekhodi. Ukuba lungile kuyingozi, isicelo siya kuthatha ixesha elide ukufumana impendulo.
Samkelwa njani isicelo semali-mboleko? Ukwamkelwa, ifayile kufuneka zombini zihloniphe iimeko zeukwamkelwa du credit kodwa ufumane amanqaku amahle. Ukubala amanqaku, imibutho credit yabela amanqaku asekelwe kwiimpendulo ezinikwe kwiphepha lemibuzo credit.
Ke, usifumana njani isivumelwano ngokomgaqo wemali mboleko yendlu? Ufumana njani l 'isivumelwano ngokomgaqoibhanki? galela amandla ukufumana isivumelwano ngokomgaqo, umenzi-sicelo kuya kufuneka aqulunqe ifayile ye isicelo semboleko kwaye ngaloo ndlela kuveliswe inani lamaxwebhu afana namaphepha okuhlawula amva nje, isaziso samva nje dirhafu kunye neengxelo zeakhawunti yebhanki.
Yeyiphi eyona bhanki ilungileyo kwimali mboleko yendlu?
I-TOP 10 yeebhanki ezilungileyo kakhulu ngo-2022 kwi-mortgage
| Bank | APR | I-TAEA |
|---|---|---|
| CIC | 1,12% | 0,47% |
| Ityala elinye | 1,14% | 0,38% |
| I-LCL | 1,15% | 0,43% |
| Ityala eMantla | 1,15% | 0,42% |
Ngowuphi umbutho wamatyala obolekisa ngeyona ndlela ilula? TOP 7 Imibutho & IiBhanki Apha Boleka Ngokulula
- FLOA Bank.
- Cetelem.
- I-Advanzia Bank kunye nekhadi leZero.
- Ibhanki yeNovum (encinci credit Ngobutyebi)
- Ibhanki yeFrance Mutualist.
- ICasden.
- Le credit Umhlaba.
Nguwuphi umvuzo wemali-mboleko ye-150.000 €? Masenze umzekelo: uqhuba a mboleko ukusuka kwi-150 € ngaphezulu kweminyaka eli-10. Iminyaka eli-10 ziintlawulo zenyanga ezili-120 zokuhlawula 150 / 000 = 120 € Intlawulo yenyanga. Ngokuthathela ingqalelo umlinganiselo wenqanaba dityala, ke ngoko kufuneka ufumane ubuncinci ahlawule ukusuka: 1 250 x 3.3 = 4 162 €.
Ngubani obonelela ngeemali-mboleko?
ibhanki, okanye iziko letyala, izibonelelo le lungile izindlu ezithengiswayo.
Yintoni isivumelwano semali-mboleko? Nye isivumelwano semali-mboleko est un isivumelwano isivumelwano esisemthethweni phakathi kombolekisi kunye nomboleki. I izivumelwano mboleko chaza yonke imiba ye lungile, njengesixa-mali esiyintloko, izinga lenzala, ixesha lokuhlawula amatyala, ixesha, imirhumo, imigaqo yentlawulo kunye neminqophiso.
Injani ikhomishini yebhanki?
La khomishini ungenelelo ngumrhumo zebhanki eqokelelwa yibhanki ngokulandela intengiselwano nganye yedebhithi ethi ibeke i-akhawunti kwimeko engaqhelekanga okanye eyenza ibe mandundu isitenxo. Ezi zidla ngokuba ziintlawulo ezikhokelela kwi-ovadrafti zebhanki okungagunyaziswanga okanye kutsalwe ngaphezulu zebhanki kugunyaziswe.
Ifundwa njani ingxelo yetyala? Ibhanki ihlola isicelo sakho kunye nemeko yakho
Ngaloo ndlela iya kuhlola: ukukwazi kwakho ukuhlawula ngokubhekiselele kusapho lwakho kunye nemeko yomsebenzi, umvuzo wakho, izinto zakho zexabiso, ityala lakho, njl. iziqinisekiso onokubonelela ngazo: imali-mboleko okanye isibambiso umzekelo.
Kutheni isicelo sam setyala saliwe?
Le ikhredithi inokwaliwa ngenxa yokuba ifayile ihambelana neefayile eziye zaneengxaki zembuyekezo. Kule meko, il kunokwenzeka ukuba ingcali ngavumi isicelo se credit kodwa ukuba omnye uyayamkela ngaphandle kwengxaki.
Ngubani onika isivumelwano ngokomgaqo?
Ngubani onika isivumelwano ngokomgaqo ? Ngokubanzi, yibhanki qui hambisa iisivumelwano ngokomgaqo. Kodwa isigqibo sakhe sithathela ingqalelo izinto ezininzi.
Indlela yokwenza isivumelwano ngomgaqo? ✍️ amagqabantshintshi bhala isiceloisivumelwano ngokomgaqo ? Akukho mfuneko yokuthumela ileta yesiceloisivumelwano ngokomgaqo ngokusesikweni. Sisicelo sakho sophando olunokwenzeka alandelayo yaye iofisi yesiceloisivumelwano ngokomgaqo. Nje ukuba ibhanki iphonononge ifayile yakho kwangaphambili, iya kukuthumelela a isivumelwano ngokomgaqo.
Indlela yokubhala isicelo sesivumelwano ngokomgaqo? Siyaqinisekisa kuwe ukuba, ngoxolo, siyavuma ukubuyisela kuwe onke amalungelo akho ezoqoqosho ancanyathiselwe kulo msebenzi, kwaye oku... Umxholo: isicelo d'un isivumelwano ngokomgaqo inkxaso-mali yeprojekthi …………………. .. Mhlekazi,. Ngokuxoxwa kwebhunga lalo, lomhla ……………………………………
Yeyiphi eyona bhanki inexabiso eliphantsi kwimali mboleko yendlu?
Ekugqibeleni, ikhredithi engenakususwa le zitshiphu leyo yeFortuneo ene-APR ye-1,59%. Ngokubhekiselele kwisilingi, i-offer dING Ngqo Est elona bhetyebhetye kunye nemali-mboleko ephezulu ye-1 ye-euro.
Nguwuphi umvuzo oza kukwazi ukuboleka i-200 ye-euro? Imali-mboleko ye-200 € ngaphezu kweminyaka eyi-15, kunye nenzala ye-1.1% kunye nereyithi ye-inshurensi yomboleki de 0.34%. Intlawulo yenyanga ibekwe kwi-€ 1 ngenyanga. i umvuzo ukuboleka i-200 € ngaphezulu kweminyaka eyi-15 kwi-1.1% ke ngoko de € 3 ubuncinci.
Kutheni ibhanki isala ukuboleka imali?
Akukho lungelo credit.
Isiseko ngasinye zebhanki imisela eyeyayo indlela yokwamkela isicelo credit. Eyakho bank unelungelo kuwe ukwala ikhredithi ukuba ibona ukuba amandla akho okuhlawula akonelisi okanye iprojekthi yakho isemngciphekweni kakhulu.
Yeyiphi eyona mali mboleko ilula ukuyifumana? i credit yokusetyenziswa kwi kulula ukuyifumana lityala iyavuseleleka. Ngokwenene, i credit ejikelezayo – ngokwembali ibibizwa ngokuba nguvimba wemali okanye credit ejikelezayo - ifuna amaxwebhu axhasayo ambalwa kunabazala bayo mboleko, credit imoto okanye enye imali mboleko yomsebenzi.
Yeyiphi ikhredithi eyona ilula ukuyifumana?
Phakathi credits ukusetyenziswa, i credit ehlaziyekayo Est le credit le Elula à uthole. OkoEstYintoni i credit inokuhlaziywa? ebibizwe ngaphambili credit ejikelezayo, i credit ivumela ukuvuselelwauthole kancinci credit, ukuya kutsho malunga ne-5000 ye-€ , ngendlela yokugcinwa kwemali.
Yeyiphi eyona nkampani yetyala? Eyona mibutho kwi credit ukusetyenziswa
Cetelem; Sofinco; Ibhanki yaseCarrefour.