Iphesenti eliphezulu lesilinganiso sesikweletu alichazwanga yinoma yimuphi umthetho, kodwa amabhange ngokuvamile ayavuma ukuthi umkhawulo okungafanele weqiwe ungama-33% wemali engenayo etholakalayo. Si umphumela owutholayo ukhuphuka ube ngaphezu kwama-33%, isicelo sakho credit imoto ingase yenqatshwe.
Ngaphezu kwalokho, wazi kanjani ukuthi imalimboleko yamukelwa? Isici sokuqala esicatshangelwe ekuhlaziyweni kwefayela kuyinto, i-solvency enhle yekhasimende. Owakamuva kufanele abe kwinkontileka ehlala njalo futhi abe nemali engenayo efakwa njalo ku-akhawunti yakhe. Ngemuva kwalokho, umthamo wayo wesikweletu akufanele udlule ku-33%. Izinga elingaphansi kwalo mkhawulo kuyinto kunenzuzo nakakhulu.
Uthini umnqamulajuqu wesivumelwano semalimboleko? Lokhu isaziso imvamisa izinsuku ezingama-45, futhi kusho ukuthi umthengi unezinsuku ezingama-45 ngoba mthole isivumelwano semalimboleko, ngaphandle kwalokho isigatshana sokumisa okwesikhashana sizosula isivumelwano sokuthengisa. Ngakho-ke kufanele sithathe isinyathelo ngokushesha! Qhathanisa amanani mahhala!
Iyiphi inhlangano eyamukela kalula imalimboleko? TOP 7 Izinhlangano & Amabhange Yikuphi Boleka Kalula
- I-FLAA Bank.
- UCetelem.
- I-Advanzia Bank nekhadi iZero.
- Ibhange leNovum (mini credit U-Cashper)
- Ibhange laseFrance Mutualist.
- AbakwaCasden.
- Le credit Izwe.
Kodwa kungani ngingakwazi ukuboleka?
Akekho pas ilungelo lokuthola isikweletu.
Isikhungo sasebhange ngasinye sinquma indlela yaso yokwamukela isicelo sesikweletu. Ibhange lakho linegunya lokukwenqabela ikhredithi uma licabanga ukuthi amandla akho okukhokha awekho pas kuyagculisa noma ukuthi iphrojekthi yakho iyingozi kakhulu.
Uthini umnqamulajuqu wesivumelwano semalimboleko yomuntu siqu?
ngoba uthole imali Imalimboleko yomuntu siqu zakudala: 8 ukuze 15 izinsuku. ngoba thola imali yekhredithi encane engaphansi kwama-€200: amahora angama-24 kuye kwangama-72. Ukuthola imali yokubolekwa imoto: izinsuku eziyisi-8 kuye kweziyi-15. ngoba uthole imali loan Izindlu ezithengiswayo: izinsuku eziyi-15 kuye kwezingu-2.
Isikhathi esingakanani ngemva kwesivumelwano semalimboleko? isaziso ukwamukelwa kwesipho se loan : izinsuku ezingu-10
Unganikeza kuphela ukwamukelwa kwakhongemuva ukuphelelwa yisikhathi kwalokhu isaziso. Ngakho-ke ungabuyisela okunikezwayo kumbolekisi wakho kusukela ngosuku lwe-11 ngencwadi enedethi nesayiniwe.
Ubani onqumayo ngokunikezwa kwemali mboleko? ibhange, noma inhlangano ye credit, nikeza i loan ukuthengisa izindlu.
Yini ukubambezeleka phakathi kokunikezwa kwemali mboleko nokusayinwa kwetayitela lokugcina?
Le ukubambezeleka phakathi ukwamukela i-isipho semalimboleko futhi isiginesha kulotariary akufanele yeqe izinyanga ezi-4. Okungukuthi: kanyeumnikelo wokugcina etholwe yibhange, kufanele ulinde okungenani izinsuku eziyi-11 ngaphambi kokuvuselela isivumelwano sakho.
Iyiphi imali ebolekiwe okulula ukuyithola? i credit ukusetshenziswa kuvuliwe kulula ukuyithola isikweletu evuselelekayo. Ngempela, i credit okujikelezayo - ngokomlando kwakubizwa ngokuthi yimali egciniwe noma credit ejikelezayo - idinga amadokhumenti ambalwa asekelayo kunabazala bayo ababolekiwe, credit imoto noma enye imalimboleko yomsebenzi.
Ungasithola kanjani isikweletu ngokuqinisekile?
Ukuze ikhredithi yamukelwe, isimo somboleki kufanele sihambisane nezidingo zezinhlangano zezikweletu namabhange. Isibonelo, kufanele ube nekhono elanele lokuboleka, ube nemali engenayo engashintshi futhi ikakhulukazi ube nenkontileka yomsebenzi yesikhathi eside.
Ngingasithola kanjani isicelo sami sekhredithi? Izimo ezisemqoka zokwamukela a credit ukusetshenziswa
- Ungabambeki
- Isilinganiso esiphezulu sesikweletu esingu-50% (inkokhelo yokuqasha noma credit immo / (imali engenayo - impesheni)
- Uhlobo lomsebenzi: okungenani i-CDI eyodwa (ngezinye izikhathi i-CDD noma i-Interim ingaphasa encane credit )
Yiziphi izizathu zokwenqaba ukubolekwa kwezindlu?
Izizathu eziyinhloko a ukwenqatshelwa kwendlu
Uma iphrofayili yakho yokuboleka ingazinzile: ukubolekwa kwemali okuvamile, ukusebenzisa imali okuyimpoqo, ukufaka isicelo ku-Banque de France, ukubhaliswa Kufayela Lesigameko Sokubuyiswa Kwesikweletu Somuntu Siqu (FICP), njll.
Ungayithola kanjani imali mboleko lapho amabhange enqaba?
Amazwana thatha eyakho loan ingcebo naphezu kokwenqaba kwakho ibhange ?
- Buyekeza ifayela lakho isicelo semalimboleko futhi uhlanze ama-akhawunti akho ngokukhokhela amakhredithi akho amanje, isibonelo.
- Zungeza abanye amabhange .
- Xhumana nomthengisi wezindlu (ku-inthanethi noma kwi-ejensi) ukuze akusize.
Ngingasithola kanjani isicelo sami sekhredithi? Izimo ezisemqoka zokwamukela a credit ukusetshenziswa
- Ungabambeki
- Isilinganiso esiphezulu sesikweletu esingu-50% (inkokhelo yokuqasha noma credit immo / (imali engenayo - impesheni)
- Uhlobo lomsebenzi: okungenani i-CDI (ukugcina isikhathi i-CDD noma isikhashana ingadlula ngoba kancane credit )
Kuthatha isikhathi esingakanani phakathi kwesipho semalimboleko nokusayinwa kwetayitela lokugcina? i ukubambezeleka phakathi ukwamukela i-isipho semalimboleko futhi isiginesha ofisenzo sokugcina ku-notary akufanele kudlule ngaphezu kwezinyanga ezi-4. Uma usubuyise eyakho isipho semalimboleko, yazisa ummeli wakho ukuze uhlele isikhathi se-aphoyintimenti isiginesha ofisenzo oqotho ku isaziso eyabiwe.
Ingabe ibhange lingabuyela ekunikezeni imalimboleko?
Cha, uma wamukelasipho ngaphambi kwesikhathi phakathi kweminqamulajuqu esemthethweni (izinsuku eziyi-10 ubuncane, izinsuku ezingama-30 ubuningi), i ibhange ne unga pas ukubuya ngokwawo sipho.
Kuhamba kanjani ukukhishwa kwezimali? Okwempahla endala. Inani eliphelele lesakhiwo kufanele likhokhwe kumthengisi ngosuku lokudayiswa. i Ukuvula ngakho-ke wenzela yonke imali ebolekiwe kummeli olungisa izivumelwano. Ngemva kokuqeda zonke izinqubo zokuphatha, i-notary izodlulisela izimali ku-akhawunti yasebhange yomthengisi.
Isiphi Isinyathelo ngemuva kokusayina umnikelo wemalimboleko?
La isiginesha yetayitela eliyiqiniso ngokuvamile kufanele kwenzeke phakathi nezinyanga ezi-4 ngemuva la isiginesha ofisipho semalimboleko. Ukukhishwa kwezimali kwenzeka ezinsukwini ezimbalwa ngaphambi kosuku isiginesha ye-notarial deed. Izimali zizodluliselwa ku-akhawunti ye-notary.
Ubani oqinisekisa ifayela le-mortgage? Ukuqinisekiswa kwe loan ngebhange: laba bakamuva bafunda isicelo sakho imali ebanjiswayo, umnikelo wakho siqu, isikweletu sakho, njll. Ihlola ubungozi bakho i-dossier. Ayikho loan kuyingozi, isicelo sizothatha isikhathi eside ukuthola impendulo.