 Yini iRealkredit? Incazelo encwadzini yezezimaliQala ukubolekisa Wiki Realkredit1 I-Realkredit1.1 Yini efakazela i-realkredit?1.2 Yini iRealkreditsplitting?1.2.1 Ukuhlukaniswa kwangempela kwezikweletu zangempela1.2.2 Ukuhlukaniswa kwezinto zokuhlambalaza1.3 Ubani onika i-realkredit?1.4 Yiziphi izimo okufanele zihlangabezane nomboleki?1.5 IsiphethoI-RealkreditUkuhluka kwemali mboleko ngu Realkredit, Ngokuphambene nokuboleka kwendabuko ngokubheka ngemali engenayo yenyanga, lolu hlobo lwekhredithi lusetshenziselwa ukubambisana njengesibambiso. Ngakho-ke, ngisho nabakhokhi abanokweleta ngokwanele noma i-schufa engalungile bangabakhokhelwe.Yini efakazela i-realkredit?Njengomthetho, abanikazi bezindlu zendawo bafaka isicelo se-realkredit isikhathi eside ukuze bakwazi ukuthuthukisa noma ukulungiswa endlini yabo noma ekhaya labo. Njengempahla yangempela noma isibambiso, indawo ingasetshenziswa ngendlela yokubolekwa kwemali noma ukukhokhelwa komhlaba. Kodwa-ke, imali ebolekiwe ingasetshenziselwa ukwandisa ukwaziswa okwamanje.Isilinganiso senzalo singashintsha noma sigxilwe. Umkhawulo wesikweletu uvame ukuphakama kwe-60 yenani lezinto ezibolekiwe. Endabeni yokuhlelwa kabusha kwe-realkredplitting, umkhawulo ophezulu wokuboleka ungasetshenziswa futhi ngabanye.Yini iRealkreditsplitting?Ukuhlukaniswa kwe-credit kabusha kuhlale kudingekile uma umkhawulo wesikweletu ungaphezu kwamaphesenti ajwayelekile we-60 futhi ngaleyo ndlela kudingeke ukuthi kube nokuhlelwa kwezinhlekelele okungcono kakhulu. Ngokwenzayo, umehluko wenziwa phakathi kokubonakala kwangempela nokungekho okwenziwe kwangempela.Ukuhlukaniswa kwangempela kwezikweletu zangempelaIngqikithi yezikweletu ze-2, inothi elibizwa nge-credit-real credit, futhi ikhredithi evikelekile yokungena kwerejista yomhlaba iphetha. Ngakho-ke, isikweletu sonke sihlukaniswa sibe izingxenye ezimbili, okungukuthi sihlukaniswe.Ukuhlukaniswa kwezinto zokuhlambalazaUma kwenzeka umboleko wesibopho ongewona ongokoqobo, ingxenye ixazululwe ngokusebenzisa i-realkredit evamile ngomkhawulo we-60 - percentage loan; loan siqu etholwe. Endabeni yale mboleko, zonke izimo ziphethwe kuphela ngesivumelwano sesikweletu.Ukuze uthole i-realkredit, umbolekisi kufanele aphenduke kwezinye izikhungo zemali, ngoba akuzona zonke izikhungo zezimali ezibolekisa imali yangempela.Ubani onika i-realkredit?Uma ufuna ukurekhoda mboleko yangempela, uzothola ukuthi akuwona wonke amabhange anikezela leli fomu lesikweletu. Ngaphandle kwezikhungo ezikhethekile zokuvuselela izikweletu, izinkampani ezilandelayo nazo zinakho ukunikeza lesi sikweletu esikhethekile.Lokhu kubandakanya amabhange okulondolozwa, amabhange abambisanayo, imiphakathi yokwakha namabhange ezentengiselwano. Ngaphambi kokuqedela isikweletu, kufanele wazi ukwaziswa ngezimo ezahlukene. Lokhu kungakusindisa imali.Yiziphi izimo okufanele zihlangabezane nomboleki?Ukuze uthole i-credit evikelekile ngezimpahla ezibonakalayo, izinto ezithile ezidingekayo kufanele zigcwaliseke:- Inkampani yesikweletu kufanele ibe nelayisense ukuze ukwazi ukubeka izikweletu zangempela, okungukuthi imali ebolekwe yendawo yokuhlala.- Inani lepropathi kumele lihlolwe yisazi esizimele ngokubhala nokuhlaziya inani lamanje lemakethe kanye nemali efunwa emakethe Inani eseduze kwenziwe.- Inani lezimakethe zendawo kufanele lihlolwe ngezikhathi zonke kulo lonke isikhathi sokuboleka imali. IsiShayamthetho sibeka ukuthi uma kwenzeka isikweletu sangasese sinikezwa ngasese, isheke kufanele senziwe eminyakeni engaphezu kwemithathu, uma kwenzeka kuboleka imali, ngisho nasezinyangeni ze-12.- Obolekayo kumele aqiniseke impahla yakhe ngokugcwele ngokulimala okubangelwa umshuwalense wokwakha okhethekile.- Umklomelo kufanele futhi akwazi ukufaka ngokusemthethweni ukubaluleka kokubonakalayo uma kwenzeka kuphuthumayo.Ukuphindela kabusha kungaba yindlela enhle yokuboleka imali isikhathi eside ngaphandle kokuthola imali ngokwanele noma imali engenayo yenyanga. Ukuphazamiseka ukuthi leli fomu lesikweletu kuphela kubanikazi bendawo. Uma izimo zokuphila zishintsha futhi awukwazi ukuhlangabezana nezibopho zakho zokukhokha ngesikhathi, ungalahlekelwa impahla yakho kumbolekisi. Ngakho-ke isiphetho seRealkredit kufanele sicatshangelwe kahle.Isihloko sangaphambiliniukubhuka mortgageIsihloko esilandelayobaphathe-phezu 