Ipesenti enkulu yomlinganiselo wamatyala ayichazwanga nguwuphi na umthetho, kodwa iibhanki ziyavuma ngokubanzi ukuba umqobo ekungagqithwa ngawo yi-33% yengeniso echithwayo. Si isiphumo osifumanayo sijika sibe phezulu kune-33%, isicelo sakho credit imoto inokwaliwa.
Ngaphezu koko, wazi njani ukuba imali-mboleko yamkelwe? Into yokuqala ethathelwe ingqalelo kuhlalutyo lwefayile Est, i-solvency elungileyo yomthengi. Owokugqibela kufuneka abe kwikhontrakthi esisigxina kwaye abe nengeniso ehlawulwa rhoqo kwiakhawunti yakhe. Emva koko, amandla alo amatyala kufuneka angabi ngaphezu kwe-33%. Ireyithi engaphantsi kwalo mqobo Est kulunge ngakumbi.
Lithini ixesha lokugqibela lesivumelwano semali-mboleko? Oku Umda wexesha idla ngokuba ziintsuku ezingama-45, kwaye kuthetha ukuba umthengi uneentsuku ezingama-45 galela mfumane isivumelwano semali-mboleko, kungenjalo igatya elixhonyiweyo liya kusirhoxisa isivumelwano sokuthengisa. Kufuneka ke ngoko sithathe amanyathelo ngokukhawuleza! Thelekisa amaxabiso asimahla!
Ngowuphi umbutho owamkela lula imali-mboleko? 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.
Kodwa kutheni ndingakwazi ukuboleka?
Akukho pas ilungelo lokuthenga ngetyala.
Iziko lebhanki ngalinye limisela indlela yalo yokwamkela isicelo setyala. Ibhanki yakho inelungelo lokukwala ukubolekwa ngetyala xa ibona ukuba intlawulo yakho ayikho pas eyanelisayo okanye iprojekthi yakho inobungozi kakhulu.
Lithini ixesha lokugqibela lesivumelwano semali-mboleko?
galela fumana imali Imali-mboleko yobuqu zakudala: 8 ukuba 15 iintsuku. galela fumana imali yekhredithi encinci engaphantsi kwe-€ 200: i-24 kwiiyure ze-72. Ukufumana imali mboleko yemoto: 8 ukuya kwiintsuku ze-15. galela fumana imali lungile real estate: iintsuku ezili-15 ukuya kwiinyanga ezi-2.
Ixesha elingakanani emva kwesivumelwano semali-mboleko? isaziso ukwamkelwa kokunikezelwa kwe lungile : Iintsuku ezili-10
Unganika kuphela ukwamkelwa kwakhoaprès ukuphelelwa koku Umda wexesha. Ungabuyisela isithembiso sakho kumbolekisi wakho ukususela ngomhla we-11 ngeleta ebhalwe umhla kunye nesayiniweyo.
Ngubani owenza isigqibo malunga nokunikwa imali-mboleko? ibhanki, okanye umbutho we credit, nika i lungile izindlu ezithengiswayo.
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.
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.
Uyifumana njani imali-mboleko ngokuqinisekileyo?
Ukuze ikhredithi yamkelwe, imeko yomboleki kufuneka ihambelane neemfuno zemibutho yekhredithi kunye neebhanki. Umzekelo, kufuneka ube nomthamo owaneleyo wokuboleka, ube nomvuzo osisigxina kwaye ngokukodwa ube nekhontrakthi yengqesho yexesha elide.
Ndisifumana njani isicelo sam setyala letyala? Iimeko eziphambili zokwamkela a credit ukusetyenziswa
- Musa ukuxinga
- Elona nani liphezulu letyala le-50% (intlawulo yerenti okanye credit immo / (iimali zomvuzo - pension)
- Uhlobo lomsebenzi: Ubuncinci i-CDI enye (ngamaxesha athile iCDD okanye iThutyana inokupasa encinci credit )
Ziziphi izizathu zokwala imali-mboleko yendlu?
Ezona zizathu ziphambili zokuba a ukwala imali yokubambisa
Ukuba iprofayili yakho yokuboleka ayizinzile: i-overdrafts rhoqo, inkcitho enyanzelekileyo, ukufakwa kwi-Banque de France, ukubhaliswa kwi-Personal Credit Repayment Incident File (FICP), njl.
Indlela yokuboleka imali xa iibhanki zala?
amagqabantshintshi thatha eyakho lungile real estate nangona ukwala yakho bank ?
- Jonga ifayile yakho isicelo semboleko kwaye ucoce iiakhawunti zakho ngokulungisa iikhredithi zakho zangoku, umzekelo.
- Hamba ujikeleze abanye iibhanki .
- Qhagamshelana nomthengisi wezindlu (kwi-intanethi okanye kwi-arhente) ukukunceda.
Ndisifumana njani isicelo sam setyala letyala? Iimeko eziphambili zokwamkela a credit ukusetyenziswa
- Musa ukuxinga
- Elona nani liphezulu letyala le-50% (intlawulo yerenti okanye credit immo / (iimali zomvuzo - pension)
- Uhlobo lomsebenzi: ubuncinci i-CDI (ngexesha iCDD okanye iThutyana inokupasa galela kancinci credit )
Kuthatha ixesha elingakanani phakathi kwesithembiso semali-mboleko kunye nokutyikitywa kwesivumelwano sokugqibela? THE ukulibaziseka phakathi Ukwamkelaimali mboleko et la sayina de l 'isenzo sokugqibela kwi-notary kufuneka ingadluli ngaphezu kweenyanga ezi-4. Xa sele ubuyile eyakho imali mboleko, yazisa ummeli wakho ukuze ucwangcise idinga sayina de l 'isenzo ngokwenene kwi Umda wexesha yabelwe.
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.
Kuhamba njani ukukhutshwa kwemali? Kwipropati endala. Ixabiso elipheleleyo lepropati kufuneka lihlawulwe kumthengisi ngosuku lokuthengisa. THE Ukuvula ngoko ke yenzelwa yonke imali-mboleko kwi-notary. Emva kokugqiba zonke iinkqubo zolawulo, i-notary iya kudlulisela imali kwiakhawunti yebhanki yomthengisi.
Leliphi inyathelo emva kokutyikitya isithembiso semali mboleko?
La 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.
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.