U-Vratislav Holub Uma ufuna ukuthenga ikhaya lakho noma uqale ukulungisa okuyinselele, khona-ke i-mortgage iyithuluzi elihle lokufeza izinhloso zakho. Ngeshwa, njengoba kungenzeka uyazi, ukuhlela i-mortgage akuyona nje ukuhamba epaki. Ezimweni eziningi, ungase uhlangabezane nezithiyo eziningi ezingadingekile. Ngenhlanhla, sekuvele kunesixazululo kulawa macala namuhla. Ngenxa yamathuba amanje kanye ne-inthanethi, yonke imali ebolekiwe ingakhokhwa ku-inthanethi ngokunethezeka kwekhaya lakho, ngaphandle kokumosha isikhathi.
Kungakho kulokhu kubuyekezwa sizocacisa ngesixazululo sokuqala se-Czech fintech hyponamíru.cz. Le nkampani ithuthukise uhlelo lokusebenza lwewebhu oluhle kakhulu, ngosizo ongaxazulula ngalo uhlelo lwe-mortgage ngokoqobo ukusuka ku-A ukuya ku-Z ku-inthanethi. Lokhu akuyona nje i-calculator ye-mortgage, kodwa isisombululo sangempela esizokusiza hhayi kuphela ngokukhetha okunenzuzo ngokusho kwemingcele eyinhloko, kodwa futhi nayo yonke inqubo yokuxoxisana nokuphatha okulandelayo.
Ukuxoxisana nge-mortgage ku-inthanethi
Njengoba sesishilo ekuqaleni, ngenxa yamathuba anamuhla, akusekho isithiyo sokuhlela i-mortgage online, okuletha izinzuzo eziningi ezinhle. Okubaluleke kakhulu ukuthi yonke into ingaxazululwa kusukela ekunethezekeni kwekhaya lakho, ngaphandle kwesidingo semihlangano yobuso nobuso, ukulinda isikhathi eside noma ukuxoxisana ngamanani enzalo. Esikhundleni sokuthi usuke ebhange uye ebhange, lokho okubizwa ngokuthi kuzoba yisizinda sakho konke mortgage banking.
Ebhange le-mortgage, ungabona ngokushesha ukubuka konke kokunikezwayo okutholakalayo, wonke umuntu angakwazi futhi ukukuhlela ngokuvumelana nalokho akuthandayo (ngokwezilinganiso zenzalo, ukuvuthwa kanye neminye imininingwane). Kodwa kwabangenalwazi, ilungiselelo elinjalo lingaba isigodi saseSpain. Kungakho i-hyponamíru.cz isekelwe endaweni elula necacile yomsebenzisi, lapho unalo lonke ulwazi futhi unikezwa ngokoqobo ezandleni zakho. Ngesikhathi esifanayo, uchwepheshe we-mortgage unikezwa i-mortgage ngayinye ukuze kube lula yonke inqubo yokuxoxisana nokuphatha okulandelayo.
Ungahlela kanjani i-mortgage online nge-hyponamíru.cz
Ngakho-ke, ake sibonise ndawonye indlela yokuhlela i-mortgage ku-inthanethi nge-hyponamíru.cz. Yonke inqubo ihlukaniswe ngezinyathelo eziningana ukuze ihlale ilula futhi icacile. Akumelwe futhi nakanjani sikhohlwe ukusho obala jikelele. Ngakho-ke, akudingeki ukhathazeke ngokuthi, ngokwesibonelo, ezinye izimali kanye nolunye ulwazi olubalulekile luzohlala lufihliwe kuwe, olubaluleke kakhulu esimweni esinjalo.
Uhambo ngokwalo luqala ngokuthatha isinqumo sokuthi uyafuna yini ukuboleka imali entsha noma uthenge kabusha ekhona. Uma unentshisekelo yokuxoxisana, vele uye emshinini wokubala we-mortgage, lapho udinga ukugcwalisa imibono edingekayo, okungukuthi ukuthi udinga ukuboleka malini, uzokhipha malini kokwakho, yisiphi isikhathi sakho sokukhokha osithandayo futhi ngokushesha kangakanani. uthola i-mortgage. Kodwa-ke, kuleli qophelo kufanele usuvele ulazi inani kanye nohlobo lwesakhiwo, inani lemali ebolekiwe oyidingayo, isikhathi osithandayo sokukhokha kanye nokusetshenziswa kwakho okuhlosiwe. Ngesikhathi esifanayo, kuyadingeka ukufaka ulwazi oluyisisekelo ngendlela yenombolo yocingo kanye nohlobo lwesixazululo. Uhlobo lwesixazululo lubaluleke kakhulu kulokhu. Ungakhetha ukuxazulula lonke udaba ku-inthanethi ngebhonasi, noma ukunakekele nomeluleki ngendlela yezingcingo nemihlangano yomuntu siqu.
Ibhange le-mortgage
Ibhange lezindlu ezibolekisayo liphakathi kwakho konke. Ngemva kokugcwalisa lesi sibali semali yezindlu esishiwo ngenhla, sidlulela kulesi sigaba samabhange, lapho kuboniswa khona ukubuka kuqala kokunikezwayo okuvela emabhange ngamanye. Ngesikhathi esifanayo, lonke ulwazi oluphathelene nenani lenzalo, i-APR, ubude bokulungiswa, inani lesitolimende sanyanga zonke, inani lesamba senzalo phakathi nesikhathi sokulungiswa, inani eliyinhloko kanye nenani eliphelele layo yonke imali ebolekwa ekhaya kubonakala ngokubuka nje. Akumelwe sikhohlwe ukusho olunye ulwazi olubaluleke kakhulu. Lapha uzothola ukubuka konke okuningiliziwe kwazo zonke ezinye izimali ezikhokhwayo - zokucubungula i-mortgage, ukuthatha imali mboleko, ukugcina i-akhawunti yesikweletu - noma izimali ezihambisana ne-real estate cadastre kanye nesilinganiso ngokwaso.
Lapho ukhetha i-mortgage efaneleke kakhulu, kubaluleke kakhulu ukuthola leyo evumelana nezidingo zakho. Njengoba sishilo ngenhla, yingakho kungenzeka ukukala lokhu okunikezwayo ngokuhlukile. Kodwa-ke, kufanele kuqashelwe ukuthi ukubuka okunikezwayo okuhle kakhulu okufanele ukwenze ukwenza kusebenze i-akhawunti yomuntu siqu eku-inthanethi. Nakulokhu, lokhu kungaxazululwa ngaphakathi kwebhange phakathi nemizuzu embalwa.
Ukukhetha i-mortgage kanye nokucutshungulwa kwesicelo
Uma usukhethe imali yokuthenga indlu ehlangabezana ncamashi nezidingo zakho, akukho okukuvimbayo ekulungiseleleni isicelo sakho. Okokuqala, kuyadingeka ukugcwalisa idatha ethile bese ulayisha amadokhumenti omuntu siqu (ikhadi likamazisi), izimbuyiselo zentela nezinye izinto ezibalulekile ezidingekayo ukuze ulungiselele uhlelo lokusebenza usebenzisa ukudluliswa okuphephile. Ngemuva kwalokho, uchwepheshe we-mortgage oshiwo kakade uthatha isicelo. Udlala indima ebaluleke kakhulu kuleli phuzu, njengoba ezokusiza ukuthi ugcwalise isicelo ngempumelelo futhi aqinisekise ukuthi awukhohlwa lutho.
Okufanele ukwenze nje ukuxazulula izinqubo ezidingekayo nochwepheshe ngocingo noma nge-imeyili. Uma isicelo sesilungile ku-mortgage banking, okumele ukwenze nje ukusihlola bese usisayina. I-courier izoyiletha ngqo endaweni okuvunyelwene ngayo ukuze uyisayine, ukuze ungakhathazeki ngalutho nhlobo. Endabeni yamabhange athile, amathuba aqhubekela phambili ngendlela yesiginesha ye-SMS. Kuyinketho eshesha kakhulu futhi ephephile.
Ukugunyazwa kwe-mortgage kanye nokwehliswa
Ngemva kokusayina isicelo, usuqede isinyathelo esilandelayo esibalulekile. Kuleli qophelo, ibhange lingena kuyo yonke inqubo, okufanele ihlole, ihlole futhi ivume isicelo. Ngemva kwalokho, ikwazisa ngalokho okubizwa ngokuthi amagoli ebhange ngendlela ye-SMS, okusho ukushintshela esigabeni esilandelayo - ukuvunyelwa kwe-mortgage kanye nokuhoxiswa kwayo. Ngemva kokuhlola, uchwepheshe wezokuthenga izindlu uzokunakekela futhi, ozolayisha uhlu lwamadokhumenti adingekayo ukuze aqedele inqubo. Vele ulayishe amadokhumenti alungisiwe lapha ngamunye ngamunye futhi usuqedile. Futhi, asikho isidingo sokuzungeza izindawo ezidingekayo ngokungenasidingo - ungaxazulula yonke into ku-inthanethi usekhaya.
Kulandela umzuzu obaluleke kakhulu - ngokushesha nje lapho ibhange lilungiselela isivumelwano semalimboleko ukuze sisayinwe. Lesi yisinyathelo sokugcina esikuhlukanisayo ekutholeni imali yokuthenga indlu. Kulokhu, uchwepheshe we-mortgage uzokwazisa kuphela mayelana nendlela, isikhathi nendawo yokusayina inkontileka. Isignesha ingenzeka endaweni yokuhlala noma egatsheni eliseduze lebhange elinikeziwe. Ngemva kokusayina inkontileka, uchwepheshe othile wendawo enikeziwe uthatha umdwebo, obuye akwazise ngesikhathi lapho umdwebo ungaqala. Futhi usuqedile! Uxoxisane ngempumelelo nge-mortgage ngokuphelele ku-inthanethi, ngaphandle kwezinkinga ezingadingekile esizishilo ekuqaleni. Uma siphela, usazothola i-SMS efundisayo.
I-mortgage watch kanye nenani lempahla
I-mortgage iwuhambo olude, futhi ngokuqinisekile ayipheli ngesivumelwano sayo. Yilokhu kanye i-startup hyponamíru.cz ekwazi ngokugcwele, okunikeza amaklayenti ayo umsebenzi omuhle obizwa mahhala. I-Mortgage Watcher. Uhlelo lokusebenza lwewebhu lokuqapha i-mortgage yakho, ukuze ungaphuthelwa noma yiluphi ulwazi olubalulekile. Ngesikhathi esifanele, ungayinikeza imali futhi ushintshele kokunikezwayo okuhle kakhulu. I-mortgage watch igxile ekutholeni izinga lenzalo elingcono, izinkokhelo eziphansi zanyanga zonke, ukonga kukonke kanye nesikhathi esifushane semali mboleko. Ngosizo lwayo, ungagcina ngisho namashumi ezinkulungwane zemiqhele.
Njengoba sishilo ngenhla, ngeke uphuthelwe lutho olubalulekile ngosizo lwalesi sici. Ngaphezu kwezinketho zokuthola kabusha izimali, uhlelo lokusebenza luqapha isikhumbuzo seminyaka yezinkontileka zezitolimende ezingavamile kanye nokuphela kokulungiswa okuseduze. Ngendlela efanayo, uma usuvele une-mortgage yangaphambilini, akukho lutho olukuvimbela ukuba "ukupaka" ngaphansi kwamaphiko e-hyponamíru.cz futhi uzuze ezinzuzweni ezifanayo.
Imojula entsha ye-pro nayo iyanakwa muva nje ukuqinisekiswa kwenani lezindlu ezithengiswayo. I-Hyponamírů.cz isebenza nobuchwepheshe bangaphandle base-Swiss ukuze uthole isilinganiso esinembile kunazo zonke, ngenxa yalokho ungakwazi ukuhlola intengo yendawo enikeziwe ngokuphelele mahhala ngesikhathi endalini, ukuthenga noma ukuthengisa. Ngakho inketho ephelele ehambisana nesimo emakethe yanamuhla. Ungahlola ngokuphazima kweso ukuthi intengo yanele yini noma cha, ngokuphambene nalokho, yeqile. Ukusebenzisa imojuli futhi kulula kakhulu. Ukuze ulinganise inani lentengo, uhlelo lusebenza ngolwazi oluvela emithonjeni eminingana - oluvela ezinhlinzekweni zamanje nezomlando ezingosini ezinkulu zezindlu e-Czech Republic, ezilekelelwa idatha evela ku-real estate cadastre kanye namakhono obuhlakani bokufakelwa ayinkimbinkimbi.
Isifinyezo
I-Fintech startup hyponamíru.cz ingachazwa ngokucacile njengenkundla yesevisi ephelele engakusiza, ngokwesibonelo, endleleni yakho yokuba nekhaya lakho. Ngaphezu kokuphathwa okuphelele kwe-mortgage, inkampani iphinde ixhunywe kubathuthukisi kanye nezindawo ezithengiswayo ezihlukahlukene, ngenxa yokuthi ingakwazi ukuxhuma labo abathanda izindlu nabanikazi noma abathengisi bezakhiwo ngabanye. Lokhu kuzokwaziswa ngokukhethekile yilabo abanesithakazelo kwi-mortgage ngaphandle kwezindlu zangempela, lapho bengakwazi ukulungisa izinga elithile, bese bebheka kuphela, isibonelo, ikhaya labo lamaphupho. Inkundla ingakuphatha ngisho nomshwalense wempahla oyimpoqo kanye nomshwalense wempilo yakho.
Kulokhu lapho i-mortgage iyithuluzi elikhulu. I-Hyponamíru.cz isesimweni somhlahlandlela ophelele ongasusa izithiyo eziningi ezingathandeki kuwe ovame ukubhekana nazo ngesikhathi sokuphatha ngendlela evamile. Ngakho-ke kuyaqondakala ukuthi lesi siqalo saseCzech sibe yimpumelelo enkulu kusukela saqala. I-Hyponamíru.cz isekela impumelelo yayo ekubeni lula, ukucaca okuphezulu kanye nesivinini, okulethwa umhlaba we-inthanethi nayo.
Ingxoxo yesihloko
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