Imali-mboleko e-Austria
Zonke iinketho kwindawo enye
Imali-mboleko e-Austria inokuba yindlela eluncedo yokuhlawula iindleko. Kodwa ngaphambi kokuba ufake isicelo semali mboleko e-Austria, kubalulekile ukuqonda yonke into ehamba kunye nokuboleka imali. Kwindawo yethu unokufumana ulwazi oluyimfuneko kwaye ukhethe eyona ndlela ilungileyo kuwe.
Ukhetho oluphambili
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Imali-mboleko ye-Intanethi
Imali mboleko ye-Intanethi eOstriya okanye imali mboleko eOstriya kwi-intanethi ziimali mboleko eziqhelekileyo ezinomahluko omnye. Umahluko kukuba xa uthatha imali mboleko ye-intanethi e-Austria, akufuneki uye ebhankini ngokwakho. Yenza yonke into kwi-intanethi ukusuka kwintuthuzelo yekhaya lakho. Qinisekisa isixa-mali semali-mboleko oyifunayo, gcwalisa isicelo esifutshane se-intanethi, usithumele, kwaye ulinde unikezelo.
Kuhle ukwazi
Kule nxalenye yewebhusayithi yethu, unokufumana izihloko ezahlukeneyo ezinxulumene nemali-mboleko e-Austria enokukunceda ukhethe imali mboleko, kodwa ulumkise ngeenkohliso ezahlukeneyo. Noko ke, ukuboleka imali sisigqibo esinzulu. Ngoko ziphe ixesha lokufunda imisonto. Basenokukusindisa kwizigqibo ezimbi.
IiKhadi zeTyala eOstriya
Amakhadi okuthenga ngetyala ayindlela efanelekileyo nekhuselekileyo yokuhlawula izinto ozithengileyo kwaye utsale imali xa uhamba. Kubalulekile ukukukhethela ikhadi letyala kwaye ulisebenzise ngobulumko. Amakhadi okuthenga ngetyala anokusetyenziswa ukonyusa izinga lakho lokuthenga ngetyala. Le yingxelo yokuba uhlawula kangaphi amatyala akho ngexesha. Ukulinganisa okulungileyo kunokukunceda ukuba ufumane imali-mboleko okanye i-mortgage kwixesha elizayo.
Ityala elizenzekelayo eOstriya
Ngaba ufuna imali mboleko ye-intanethi ukuze uthenge imoto? Imali-mboleko yemoto yimali-mboleko yenjongo ekhethekileyo, oko kuthetha ukuba imimiselo yemali mboleko inokuthi ithandeke ngaphezu kwemboleko yezavenge ngayo nayiphi na injongo. Ukuba ufuna ukufaka isicelo semali mboleko yemoto usebenzisa uthelekiso olubanzi kwaye ufuna ukufumana izibonelelo zemali-mboleko, khetha "Ukuthenga imoto entsha" okanye "Ukuthenga imoto esetyenzisiweyo" njengenjongo: oku kuvumela ibhanki ukubala eyona mali mboleko ilungileyo wena.
Into malunga netyala e-Austria
Imali-mboleko e-Austria yindlela entle yokufumana imali oyifunayo ukuxhasa ubomi bakho. Kukho iintlobo ezininzi zeemali-mboleko ezifumanekayo e-Austria, ngoko ke kubalulekile ukuphonononga zonke iinketho zakho ngaphambi kokuba uthathe isigqibo sokuba yeyiphi imali-mboleko ekulungeleyo.
Kukho izinto ezininzi ekufuneka uzigcine engqondweni xa ufumana imali-mboleko e-Austria. Okokuqala, qiniseka ukuba uyayiqonda imiqathango yemali mboleko. Qiniseka ukuba ubuza imibuzo ukuba kukho into ongayiqondiyo. Kwakhona, qiniseka ukuba uyicwangcisa imali yakho ngononophelo emva kokuba uboleke imali. Musa ukuchitha imali eninzi kunaleyo unokukwazi ukuyihlawula.
Okokugqibela, khumbula ukuba imali-mboleko luxanduva olukhulu. Qinisekisa ukuba wenza iintlawulo zakho ngexesha kwaye ngokupheleleyo.
Iintlobo zeemali-mboleko ezikhoyo e-Austria?
Iindidi ezahlukeneyo zeemali-mboleko ziyafumaneka e-Austria, nganye ineemeko zayo. Kubalulekile ukuqonda zonke iinketho zakho phambi kokuba wenze isigqibo.
Nazi ezinye zeentlobo ezahlukeneyo zeemali-mboleko ezikhoyo e-Austria:
Imali-mboleko yoBuqu eOstriya
Imali-mboleko yobuqu yimali-mboleko enikwa umntu ngokweemfuno zakhe. Iimali zingasetyenziselwa nantoni na oyifunayo, kuquka ukudibanisa amatyala, ukuxhasa ngemali ukuthenga okukhulu okanye ukuya ekhefini.
Imali-mboleko yomntu idla ngokuba nenzala emiselweyo kunye neentlawulo zenyanga.
Uninzi lweemali mboleko zomntu azikhuselekanga, ngoko ke akuyi kufuneka ukuba uboleke imali. Imali-mboleko iyahluka ngokubanzi, ukusuka malunga ne-€ 1.000 ukuya kwi-50.000 ye-€ 3 okanye ngaphezulu, kwaye amazinga enzala aqhelekile ukusuka kwi-36 ekhulwini ukuya kwi-XNUMX ekhulwini. Ababoleki badla ngokuba phakathi konyaka ukuya kwesixhenxe ukubuyisela imali.
Kuya kufuneka ugcwalise isicelo kwaye ulinde imvume ukuba ufuna ukufumana imali-mboleko; le nkqubo inokuthatha iiyure ezininzi ukuya kwiintsuku ezininzi. Yakuba ivunyiwe, umbolekisi uya kufaka imali kwiakhawunti yakho yebhanki, onokuthi uyichithe ngayo nayiphi na indlela oyibona ifanelekile. Ukongeza, uya kuqalisa ukuhlawula imali-mboleko kwangoko.
Umbolekisi wakho uya kwazisa i-credit bureaus malunga nokuziphatha kweakhawunti yakho ngamaxesha ahlukeneyo ngexesha lobomi bemboleko. Ukuba ufuna ukuba nembali eqinileyo yekhredithi, oko kukuthi, awufuni ukubhaliswa kwi-SCHUFA, unokufezekisa oku ngokuyibuyisela imali mboleko ngexesha.
Imali-mboleko yeShishini eOstriya
Ngaba ufuna imali-mboleko ukuqala okanye ukwandisa ishishini lakho? Imali mboleko yeshishini inokuba yimpendulo. Ezi mboleko zenzelwe iinkampani zabo bonke ubukhulu kwaye zinokusetyenziselwa iinjongo ezahlukeneyo, kubandakanya ukuthenga izixhobo ezitsha, ukuqesha abasebenzi kunye nokuthengisa ishishini lakho.
Iimali-mboleko zeshishini e-Austria zihlala zinenzala eguquguqukayo kunye neentlawulo zenyanga.
Iimali-mboleko zeshishini lase-Austrian zenza ukuba oosomashishini bafikelele kwimali eyinkunzi ngendlela yesixa-mali okanye umgca wetyala. Inkampani yakho ithembisa ukubuyisela imali eyibolekayo ekuhambeni kwexesha, kunye nenzala kunye nemirhumo, ukutshintshiselana ngale mali. Ide ihlawulwe imali-mboleko ngokupheleleyo, umbolekisi wakho unokufuna iintlawulo zemihla ngemihla, ngeveki okanye ngenyanga, ngokuxhomekeke kuhlobo lwemali mboleko yeshishini.
Iimali-mboleko zeshishini e-Austria zinokukhuselwa okanye zingakhuselekanga. Iimali-mboleko ezikhuselekileyo e-Austria zifuna isibambiso, esifana ne-real estate, izixhobo, imali okanye ipropathi, apho umbolekisi anokuthi athathe ukuba uyasilela kwimali-mboleko. Kwelinye icala, isibambiso asiyomfuneko kwimali-mboleko engakhuselekanga. Endaweni yoko, kufuneka usayine isiqinisekiso sobuqu esivuma ukwamkela ubutyala ukuba inkampani iyasilela kwisibophelelo sayo njengoko bekuvunyelwene.
Imali-mboleko yeKhaya eOstriya
Imali mboleko yendlu yimali-mboleko esetyenziselwa ukuthengwa kwendlu. Iimali-mboleko zezindlu zihlala zinenzala emiselweyo kunye neentlawulo zenyanga.
I-mortgage e-Austria, edla ngokubizwa ngokuba yimali mboleko yendlu okanye yezindlu e-Austria, yimali ebolekayo umntu, edla ngokuvela kwiibhanki nakwamanye amaziko etyala. Kuxhomekeka kwimiqathango yemali-mboleko, lowo ubolekayo kufuneka abuyisele imali ebolekiweyo kunye nenzala kwithuba lekhefu elinokuba yiminyaka eli-10 ukuya kwengama-30 ngezavenge ezilula zenyanga.
Ukhetho lwemali mboleko yezindlu luza ngeendlela ezahlukeneyo kwaye lulungiselelwe iimeko zomntu ngamnye. Ungasebenzisa imali mboleko yezindlu e-Austria ukuthenga indawo yokuthengisa okanye yokuhlala.
Nazi ezinye iindlela zokubolekwa kwezindlu ezifumanekayo kuwe.
Ungathenga nayiphi na indlu okanye ikhaya ngemali mboleko yendlu ukuba nje ihambelana nohlahlo lwabiwo-mali lwakho.
Imali-mboleko yoKwakha indlu: Ungasebenzisa le mali mboleko ukuhlawula iindleko ezinxulumene nokwakha indlu.
Imali-mboleko yokuThenga umhlaba: Le mali-mboleko ingasetyenziselwa ukuthenga umhlaba.
Imali-mboleko yoPhuculo lweKhaya-Ungasebenzisa le mali-mboleko ukuphucula kunye nokuhlaziya ikhaya lakho.
Hlawula iindleko zokulungisa nokuhlaziya ikhaya lakho ngemali mboleko yokuphucula ikhaya.
imali mboleko yendlu: ngoncedo lwale mali mboleko ungayandisa indawo eyakhelweyo yekhaya lakho.
Imali-mboleko yabafundi eOstriya
Ngaba ungumfundi okhangela imali-mboleko yokuhlawula isikolo? Iintlobo ngeentlobo zeemali-mboleko zabafundi ziyafumaneka e-Austria, kubandakanywa imali-mboleko exhaswa ngurhulumente kunye nemali-mboleko yabucala. Imali-mboleko yabafundi idla ngokuba nenzala emiselweyo kunye neentlawulo zenyanga.
Ukuchitha imali kwimfundo linyathelo lobulumko. Imali-mboleko yabafundi eOstriya inokunceda abafundi abangafumani nkxaso yaneleyo yemali kubazali babo. Oku kuyasebenza nakubantu abaza kuphumelela, kodwa abakwazi ukusebenza ngelixa bethatha iimviwo.
Ngemali mboleko yomfundi, unokuhlawula iindleko zakho zemihla ngemihla ngelixa ufunda eOstriya. Emva kokuba ugqibile imfundo yakho, uhlala uhlawula ityala ixesha elide.
Ukuba unomdla kwimali-mboleko yomfundi e-Austria, kufuneka uqale uqonde ukuba iimeko eziqhelekileyo ziyasebenza kuwe.
Ubudala obuphezulu kwimali-mboleko yabafundi abaninzi li-18. Ngokomzekelo, abantu base-Austrian abaphakathi kweminyaka eyi-18 kunye ne-44 banelungelo lokufaka isicelo semali mboleko yabafundi. Elona xesha liphezulu lezifundo lidla ngokumiselwa ngababoneleli ngenkonzo. Kuya kufuneka wenze uvavanyo olunyanisekileyo lokukwazi kwakho ukugqiba imfundo yakho ngeli xesha.
Fumanisa ukuba ingaba izifundo zakho zixhaswa ngemali na ukuba unomdla wokufaka isandla kwingxowa-mali yemfundo. Umzekelo, ukuya kwisikolo sobugcisa kudla ngokungabikho mbuzo.
Iinkqubo zokufunda ezingesosigxina kwiidyunivesithi zokufunda umgama, amaziko okufundela umsebenzi kunye namanye amaziko emfundo aqhubayo adla ngokungakufanelanga ukubolekwa imali yabafundi eOstriya.
Imali mboleko yemoto eOstriya
Ngaba ufuna imali yokuthenga imoto entsha? Imali-mboleko yemoto inokuba yimpendulo. Ezi mboleko zikuvumela ukuba uhlawule ukuthenga imoto entsha okanye esetyenzisiweyo. Iimali-mboleko ezizenzekelayo zinenzala eguquguqukayo kunye neentlawulo zenyanga. Unokufunda ngakumbi malunga nokubolekwa kwemoto e-Austria Apha.
Iimali-mboleko zisetyenziswa njani eOstriya?
Iindidi ezahlukeneyo zeemali-mboleko zingasetyenziselwa iinjongo ezahlukeneyo. Nazi ezinye zezona ndlela ziqhelekileyo zokusetyenziswa kwetyala e-Austria:
- Ukudityaniswa kweTyala.
Ukuba unamatyala amaninzi, unokufuna ukucinga ngokuwadibanisa abe yimali-mboleko enye. Oku kungenza kube lula ukulawula ityala lakho kwaye kungathoba iintlawulo zakho zenyanga.
- Ukuxhasa ukuthenga okukhulu
Ukuba ufuna ukuxhasa ngemali ukuthenga okukhulu, okufana nemoto okanye ikhaya, imali-mboleko inokuba lukhetho olukhulu. Imali-mboleko idla ngokuba nenzala ephantsi kunamakhadi okuthenga ngetyala, ngoko ke uya konga imali ekuhambeni kwexesha.
- Ukuya kwiholide
Ngubani ongayithandiyo iholide elungileyo? Ukuba ufuna uncedo lokuhlawulela uhambo lwakho, imali-mboleko inokuba yimpendulo. Iikhredithi zingasetyenziselwa nayiphi na injongo, ngoko zikhululeke ukusebenzisa imali nangona ufuna.
- Thenga indlu
Iimali mboleko zezindlu ziyafumaneka kubantu abafuna ukuthenga indlu. Ezi mboleko zihlala zinenzala ephantsi kunezinye iintlobo zeemali-mboleko kwaye zibonelela ngeenzuzo zerhafu.
- Hlawula ikholeji
Imali-mboleko inokuba sisisombululo esifanelekileyo sokukunceda uhlawulele imfundo yakho yasekholejini. Kukho iintlobo ngeentlobo zeemali-mboleko zabafundi ezifumanekayo, kubandakanywa iimali-mboleko ezixhaswa ngurhulumente kunye neemali-mboleko zabucala.
- Thenga imoto
Iimali mboleko zemoto ziyafumaneka ukuxhasa ukuthengwa kwemoto entsha okanye esetyenzisiweyo. Ezi mboleko zihlala zinenzala eyohlukeneyo kunye neentlawulo zenyanga.
Izinto ekufuneka uzigcine engqondweni ngaphambi kokufaka isicelo semali-mboleko e-Austria.
Ngaphambi kokuba ufake isicelo semali mboleko e-Austria, kufuneka uqwalasele izinto ezininzi eziphambili:
- Yimalini ekufuneka uyiboleke?
Isixa semali ekufuneka uyiboleke siya kuchaphazela uhlobo lwemali-mboleko onokuyifumana. Ukuba ufuna isixa esikhulu semali, unokufuna ukuqwalasela imali mboleko yeshishini. Ukuba ufuna imali encinci, imali-mboleko yobuqu inokuba lolona khetho lungcono.
- Ishedyuli yentlawulo.
Ixesha lemali-mboleko kunye neshedyuli yentlawulo iya kuchaphazela izinga lenzala oyihlawulayo. Ukuba unako ukuhlawula imali-mboleko ngexesha elifutshane, unokukwazi ukufumana inzala ephantsi.
- Imirhumo yemboleko.
Zonke iimali-mboleko ziza nemirhumo, enjengemirhumo yemvelaphi, imirhumo yesicelo kunye neendleko zokuvala. Ngaphambi kokuba ufake isicelo, qiniseka ukuba uyaziqonda zonke iintlawulo ezinxulumene nemali-mboleko.
- Umgangatho wenzala.
Umlinganiselo wenzala yimalini oza kuyihlawula xa uboleka imali. Okukhona inqanaba lenzala liphezulu, kokukhona uya kuhlawula ngokupheleleyo kubomi bemali-mboleko.
Imali-mboleko e-Austria: Usifaka njani isicelo?
Ukufaka isicelo semali mboleko e-Austria kulula. Unokwenza isicelo kwi-intanethi okanye ngokwakho ebhankini okanye kwimanyano yamatyala.
Nanga amanyathelo ekufuneka uwathathe:
- Thelekisa iimali-mboleko ezahlukeneyo.
Iimali-mboleko ezahlukeneyo ziyafumaneka e-Austria, ngoko ke kubalulekile ukuthelekisa iinketho zakho. Oku kuya kukunceda ufumane eyona mboleko ilungileyo kwiimfuno zakho.
- Fumana umbolekisi.
Nje ukuba uthelekise ukhetho lwakho, lixesha lokufumana umbolekisi. Ungasifaka isicelo semali mboleko kwi-Intanethi okanye ngokobuqu ebhankini.
- Gcwalisa isicelo.
Nje ukuba ufumene umbolekisi, kuya kufuneka ugcwalise isicelo. Oku kuya kubandakanya iinkcukacha zakho zobuqu, iinkcukacha zemali kunye nenjongo yemali-mboleko.
- Lindela imvume.
Emva kokufaka isicelo sakho, kuya kufuneka ulinde ukuvunywa. Le nkqubo ingathatha iintsuku okanye iiveki, ngoko ke nceda ube nomonde.
- Sayina isivumelwano.
Wakuba uvunyiwe ukuba ubolekwe imali, kuya kufuneka usayine isivumelwano nombolekisi. Esi sivumelwano siya kuchaza imiqathango yemali-mboleko, efana nezinga lenzala, ishedyuli yokuhlawula kunye nemirhumo.
- Thatha imali yakho.
Nje ukuba usayine isivumelwano, ekugqibeleni uya kufumana imali yakho. Imali iya kufakwa kwiakhawunti yakho, kwaye unokuyisebenzisela nantoni na oyifunayo.
Ukuqukumbela
Sukungxama xa uboleka imali eOstriya. Okokuqala, thatha ixesha lokuthelekisa iinketho zakho kwaye ufumane eyona mali mboleko ilungileyo kwiimfuno zakho. Emva koko fumana umbolekisi kwaye ugcwalise isicelo. Yiba nomonde ngexesha lenkqubo yokuvunywa, kwaye ekugqibeleni, usayine isivumelwano kwaye ufumane imali yakho. Ngokucwangcisa ngononophelo kunye nokuqwalasela, unokufumana lula imali-mboleko oyifunayo.
Ukuba unomdla kwiimali mboleko kwamanye amazwe aseYurophu, ungandwendwela areainfinance.com
Imali-mboleko yemoto e-Austria
Imali-mboleko yemoto sisivumelwano phakathi kwakho nombolekisi okunika imali yokuthenga isithuthi. Ukutshintshana, uya kubahlawula inzala ngexesha elithile. Ngaphambi kokuba usayine nawaphi na amaxwebhu emali-mboleko, kufuneka uqonde le migaqo ilandelayo: Ngamanye amaxesha idiphozithi iyafuneka.
Kuhle ukwazi
Zininzi izizathu zokuthatha imali-mboleko e-Austria. Mhlawumbi kufuneka uthenge indlu, mhlawumbi imoto okanye ufuna imadlana ukuze uqalise imbono yeshishini lakho. Konke kuvakala kulungile, kodwa ngenxa yoko kufuneka wazi izinto ezimbalwa malunga nemali-mboleko. Iimeko zemboleko e-Austria yinto ebaluleke kakhulu omele uyazi kakuhle ngaphambi kokufaka isicelo semali-mboleko e-Austria. Kukho iimeko ezintathu zemali-mboleko ekufuneka zihlangatyezwe ukuze ufumane imali mboleko e-Austria.
Imali-mboleko ye-Intanethi eOstriya
Iimali-mboleko ezikwi-Intanethi okanye kwi-Intanethi ziimali-mboleko eziqhelekileyo ezinomahluko omnye. Umahluko kukuba xa uboleka imali kwi-intanethi, akunyanzelekanga ukuba uye ebhankini ngokobuqu. Yenza yonke into kwi-intanethi ukusuka kwintuthuzelo yekhaya lakho. Qinisekisa isixa-mali semali-mboleko oyifunayo, gcwalisa isicelo esifutshane se-intanethi, usithumele, kwaye ulinde unikezelo.
Amakhadi etyala eOstriya
Kuxhomekeke kwinto ekufuneka uyiboleke imali kunye nokuba yimalini na ofuna ukuyiboleka, ukuthatha ikhadi letyala e-Austria kunokuba lukhetho olulungileyo kuwe ngaphandle kwemali mboleko yakudala. Zombini iinketho zisebenza ngendlela efanayo - uboleka imali kwaye uyibuyise. Kodwa ukhetho ngalunye lunezinto ezilungileyo nezingalunganga, ngoko ke kubalulekile ukulinganisa oko kukulungeleyo.