Cinga nge-Contingency njengesiqendu sokubalekela
Isigatshana esisigxina somdlalo singasifunda kanje: "Esi sivumelwano sixhomekeke kuMthengi ngokuphumelelayo ukufumana umboleko wemali mboleko kwi-interest rate ye-6 ekhulwini okanye ngaphantsi."
Ukuba amaxabiso aphakama ngokukhawuleza ukuze le nqanaba lide lifumaneke, isivumelwano siya kugqitywa. Kwakungeke kusayi kubophelwa kumthengi okanye kumthengisi.
Inani elithile eliqhelekileyo kunye nelo liqhelekileyo livela kwiikontraka ezininzi zezindlu kunye nokuthengiselana.
UkuVunywa kweMali
Isivumelwano siya kuthi siphawule ukuba ukuthengiselana kuya kugqitywa kuphela xa umboleki wexabiso lomthengi uvunyiwe kunye nemigangatho kunye namanani afanayo njengoko kuchazwe kwisivumelwano. Ngamanye amagama, ukuba isivumelwano sibonisa ukuhlawula kweepesenti ezingama-30 kunye nemali-mboleko yeminyaka engama-30, oko kuya kufuneka kuvunywe ngumboleki. Ngokuqhelekileyo nje ukutshintshwa okanye ukuvunyelwa kwale migaqo, kodwa ngamanye amaxesha umthengi uya kunikwa intsebenziswano eyahlukeneyo kwaye imigomo iya kutshintsha. Uhlobo lwe mboleko lunokuthi luchazwe kwisivumelwano, njenge-VA okanye i-FHA.
Ukuvunyelwa kweInshurensi
Umthengi akafuni ukuvalela kwikhaya-kwaye umnini-mboleko ngokuqinisekileyo akayi kuvala kuyo-ukuba umthengi akakwazanga ukufumana i-inshurensi yasekhaya.
Umthengi kufuneka enze ngokukhawuleza i-inshurensi ukuhlangabezana nexesha eliyimfuneko yokubuyiselwa kwemali enyanisekileyo ukuba ikhaya alikwazi ukufumana i-insured ngesizathu esithile. Ngamanye amaxesha amabango adlulileyo kubumba okanye eminye imiba ingabangela ingxaki yokufumana i-inshorensi yokuhlala.
U vavanyo
Ingqinisiso kufuneka ixhomekeke kwi-appraisal ubuncinane bemali yokuthengisa.
Ukuba i-appraisal ingena ngaphantsi, enye ingxoxo ingaba yimfuneko ukuba ibone ukuba umthengisi uya kunciphisa ixabiso ukuba enze umehluko. Ukuba akunjalo, oku kungayinayo isivumelwano.
Usuku lokuvalwa
Ukugqitywa kokuthengiselana ngokuqhelekileyo kuxhomekeke ekuvaleni kwayo okanye ngaphambi komhla obekiwe. Masithi umboleki witheng unenkinga kwaye akakwazi ukuxhaswa kwintsebenzo ngokuvala / ukuhlawula imali echazwe kwisivumelwano. Ngokomsebenzi, umthengisi unako ukuphuma ngaphandle, nangona umhla wokuvala udlalwa nje ngaphandle kokuba umthengisi anesiphi esinye isibonelelo esiphakamileyo esilinde ngamaphiko. Emva koko unokufuna ukushiya intsebenzo yangoku ukuze akwazi ukuwamkela.
Uhlolo oluchaphazelekayo
I-intsebenzo ingaba ixhomekeke kumthengi wamkela ipropati "njengoko kunjalo." Oku kuqhelekileyo kwiintetho zokuqhaqhazela apho ipropati inokubakho ukugqithisa nokugqithisa. Ngokuqhelekileyo, kukho iziganeko ezihambelana nokuhlolwa kunye nemihla efunekayo kunye neemfuno ukuba umthengi makwamkele iziphumo zokuhlola okanye into enokuzilungisa. Umthengisi angakwamkela okanye avume loo migaqo.
Ukuhamba ngokuhambelanayo
Ukuvalwa kuya kwenzeka xa umthengi enelisekile ngokuhamba kokugqibela kwipropati ngosuku okanye ngosuku ngaphambi kokuvalwa.
Kuza kuba neengxaki ukuba kufuneka ukukhanya, umnyango, okanye umfaki-fakelo uqulethe, okanye ipropati enye yenzeke umonakalo ukususela ngexesha ixesha lesivumelwano singenayo.
Ukuthengiswa kweKhaya elinye
Ngamanye amaxesha umthengi unako ukuvala kuphela ukuba unokufumana iimali ekuthengisweni kwekhaya lakhe langoku, elidla ngokuba phantsi kwesivumelwano ngexesha athe angena kulo mcimbi wekhaya elitsha. I-intsebenziswano entsha ixhomekeke kulo mbandela wokuvala kunye nezimali. Umthengisi angenako ukuwamkela isithembiso somthengi ukuba kubandakanya lo mcimbi ukuba unabanye abangena.
Nantoni na
Ingaba umdayisi okanye umthengi unokuphakamisa phantse nawuphi na uhlobo lwesigxina kwingxoxo-mboleko, kodwa oko akuthethi ukuba kuya kwamkelwa. Iimeko eziqhelekileyo ziqhelekileyo kwaye ziqhelekile kwiintengiselwano zezindlu. Ngokuqhelekileyo ziyingxenye yenkqubo kwaye yonke into iyahamba ngokukhawuleza, kodwa yonke into ngoku okanye umthengi okanye umthengisi angabangela iingxaki.