Imalimboleko e-Austria

Zonke izinketho endaweni eyodwa

Imalimboleko e-Austria ingaba yindlela ewusizo yokumboza izindleko. Kodwa ngaphambi kokufaka isicelo sokubolekwa imali e-Austria, kubalulekile ukuqonda yonke into ehambisana nokuboleka imali. Esizeni sethu ungathola imininingwane edingekayo bese ukhetha inketho engcono kakhulu kuwe.

Inketho Eyinhloko

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Ngaphandle kwanoma yiziphi izibopho!
Akufanele wamukele okunikezwayo, ngakho-ke uma okunikezwayo kungagculisi, vele ukunqabe futhi ngeke kukubize lutho.
isikweletu se-inthanethi e-Austria
Izimalimboleko eziku-inthanethi

Izimalimboleko eziku-inthanethi e-Austria noma imalimboleko e-Austria nge-inthanethi ziyimalimboleko evamile enomehluko owodwa. Umehluko ukuthi uma uboleka imali ye-inthanethi e-Austria, asikho isidingo sokuthi uye mathupha ebhange. Yenza yonke into ku-inthanethi ngokunethezeka kwekhaya lakho. Nquma inani lemalimboleko oyifunayo, gcwalisa isicelo esifushane se-inthanethi, sithumele, bese ulinda okunikezwayo.

Iyini imalimboleko?
Ngiyathokoza ukwazi

Kule ngxenye yewebhusayithi yethu, ungathola izihloko ezahlukahlukene ezihlobene nokubolekwa kwemali e-Austria ezingakusiza ukhethe imalimboleko, kodwa futhi zixwayise ngemikhonyovu ehlukahlukene. Nokho, ukuthatha imalimboleko kuyisinqumo esinzima. Ngakho-ke zinike isikhathi sokufunda imicu. Bangase bakusindise ezinqumweni ezimbi.

amakhadi esikweletu e-Austria
Amakhadi Esikweletu E-Austria

Amakhadi esikweletu ayindlela elula nephephile yokukhokhela ukuthenga futhi ukhiphe ukheshi lapho usohambweni. Kubalulekile ukukukhethela ikhadi lesikweletu elikulungele futhi ulisebenzise ngobuhlakani. Amakhadi okuthenga ngesikweletu angasetshenziswa futhi ukuthuthukisa isilinganiso sakho sesikweletu. Leli irekhodi lokuthi uvame ukukhokha izikweletu zakho ngesikhathi. Isilinganiso esihle sesikweletu singakusiza ukuthi uthole imali ebolekiwe noma i-mortgage esikhathini esizayo. 

imalimboleko yemoto eJalimane
Isikweletu Esizenzakalelayo E-Austria

Udinga imalimboleko eku-inthanethi ukuze uthenge imoto? Imali mboleko yemoto iyimalimboleko enenhloso ekhethekile, okusho ukuthi imigomo yemali mboleko ingaba yinhle kunemali mboleko yesitolimende nganoma iyiphi injongo. Uma ufuna ukufaka isicelo semali mboleko yemoto usebenzisa isiqhathaniso esiphelele futhi ufuna ukuthola iminikelo yemalimboleko, khetha okuthi "Ukuthenga imoto entsha" noma "Ukuthenga imoto esetshenzisiwe" njengenjongo: lokhu kuvumela ibhange ukuthi likwazi ukubala ukunikezwa kwemali mboleko engcono kakhulu. wena.

Okuthile ngesikweletu e-Austria

Izimalimboleko e-Austria ziyindlela enhle yokuthola imali oyidingayo ukuxhasa impilo yakho. Kunezinhlobo eziningi ezahlukene zemalimboleko ezitholakalayo e-Austria, ngakho-ke kubalulekile ukuhlola zonke izinketho zakho ngaphambi kokunquma ukuthi iyiphi imalimboleko ekufanele.
Kunezinto ezimbalwa okufanele uzikhumbule lapho uthola imali ebolekiwe e-Austria. Okokuqala, qiniseka ukuthi uyayiqonda imigomo yemali mboleko. Qiniseka ukuthi ubuza imibuzo uma kukhona ongakuqondi. Futhi, qiniseka ukuhlela imali yakho ngokucophelela ngemva kokubolekwa imali. Ungasebenzisi imali engaphezu kwamandla akho ukuyibuyisela.
Okokugcina, khumbula ukuthi imalimboleko ingumthwalo omkhulu. Qiniseka ukuthi wenza izinkokhelo zakho ngesikhathi futhi ngokugcwele.

 

Izinhlobo zemali mboleko ezitholakala e-Austria?

 

Izinhlobo ezahlukene zemali mboleko ziyatholakala e-Austria, ngayinye inemibandela yayo. Kubalulekile ukuqonda zonke izinketho zakho ngaphambi kokwenza isinqumo.
Nazi ezinye zezinhlobo ezahlukene zemalimboleko ezitholakala e-Austria:

Izikweletu Zomuntu Siqu e-Austria

Imali mboleko yomuntu siqu yimalimboleko enikezwa umuntu ngezidingo zakhe. Izimali zingasetshenziselwa noma yini oyidingayo, okuhlanganisa ukuhlanganiswa kwezikweletu, ukuxhasa ngezimali ukuthenga okukhulu noma ukuya eholidini.
Izimalimboleko zomuntu zivame ukuba namazinga enzalo angashintshi kanye nezinkokhelo zanyanga zonke.

Izikweletu eziningi zomuntu siqu azivikelekile, ngakho-ke ngeke udinge ukufaka isibambiso ukuze uboleke imali. Amanani emali mboleko ayahluka kakhulu, kusukela cishe ku-€1.000 kuya ku-€50.000 noma ngaphezulu, futhi amanani enzalo ngokuvamile asukela kumaphesenti angu-3 ukuya kumaphesenti angu-36. Ababolekayo bavamise ukuba nonyaka owodwa kuya kweyisikhombisa ukubuyisela imali.

Uzodinga ukugcwalisa isicelo bese ulinda ukugunyazwa uma ufuna ukubolekwa imali yomuntu siqu; le nqubo ingathatha amahora ambalwa kuya ezinsukwini ezimbalwa. Uma isigunyaziwe, umebolekisi uzofaka imali ku-akhawunti yakho yasebhange, ongayisebenzisa nganoma iyiphi indlela obona kufanele. Ngaphezu kwalokho, uzoqala ngokushesha ukukhokha imali ebolekiwe.

Umbolekisi wakho cishe uzokwazisa ama-credit bureaus mayelana nokuziphatha kwe-akhawunti yakho ngezikhathi ezihlukahlukene phakathi nesikhathi sokubolekwa kwemali. Uma ufuna ukuba nomlando oqinile wezikweletu, okusho ukuthi, awufuni ukubhaliswa ku-SCHUFA, ungakufeza lokhu ngokukhokha imali ebolekiwe ngesikhathi.

Imalimboleko Yebhizinisi E-Austria

Ingabe udinga imali mboleko ukuze uqale noma ukhulise ibhizinisi lakho? Isikweletu sebhizinisi singase sibe yimpendulo. Lezi zimali mboleko zenzelwe izinkampani zabo bonke osayizi futhi zingasetshenziselwa izinhloso ezahlukahlukene, ezihlanganisa ukuthenga amathuluzi amasha, ukuqasha abasebenzi kanye nokumaketha ibhizinisi lakho.
Imali mboleko yebhizinisi e-Austria ivamise ukuba namazinga enzalo ahlukahlukene kanye nezinkokhelo zanyanga zonke.

Izimalimboleko zebhizinisi lase-Austrian zenza osomabhizinisi bakwazi ukufinyelela imali eyisamba esiyisamba noma umugqa wesikweletu. Inkampani yakho ithembisa ukubuyisela imali eyibolekayo ngokuhamba kwesikhathi, kanye nenzalo kanye nezinkokhelo, ngokushintshanisa le mali. Imalimboleko ize ikhokhwe ngokugcwele, umbolekisi wakho angase adinge izinkokhelo zansuku zonke, zeviki noma nyanga zonke, kuye ngohlobo lwemali mboleko yebhizinisi.

Imali mboleko yebhizinisi e-Austria ingavikelwa noma ingavikeleki. Izimali mboleko ezivikelekile e-Austria zidinga isibambiso, esifana nezindlu ezithengiswayo, okokusebenza, imali noma indawo, leyo umbolekisi angayithatha uma ubhadala imali ebolekiwe. Ngakolunye uhlangothi, isibambiso asidingeki emalimboleko engavikelekile. Esikhundleni salokho, ngokuvamile kufanele usayine isiqinisekiso somuntu siqu esivuma ukwamukela isikweletu uma inkampani yephula isibopho sayo njengokuvunyelwana ngaso.

Imalimboleko Yasekhaya E-Austria

I-home loan iyimalimboleko esetshenziselwa ukuxhasa ukuthengwa komuzi. Imali mboleko yezindlu ngokuvamile inamazinga enzalo angashintshi kanye nezinkokhelo zanyanga zonke.

I-mortgage e-Austria, ngokuvamile ebizwa ngokuthi imalimboleko yendlu noma yezindlu e-Austria, iyinani lemali umuntu alibolekayo, ngokuvamile emabhange nakwezinye izikhungo zezikweletu. Kuye ngemibandela yemali mboleko, umboleki kufanele akhokhe inani lemali ebolekiwe kanye nenzalo esikhathini esingaba kusukela eminyakeni eyi-10 kuye kwengama-30 ngezitolimende ezilula zanyanga zonke.

Izinketho zokubolekwa kwezindlu ziza ngezindlela ezihlukene futhi zenzelwe izimo zomuntu ngamunye. Ungasebenzisa imali mboleko yezindlu e-Austria ukuze uthenge izindlu ezithengiswayo noma zokuhlala.

Nazi ezinye izinketho zemalimboleko yendlu ongazithola.

Ungathenga noma yimuphi umuzi noma umuzi nge-home loan inqobo nje uma ihambisana nesabelomali sakho.

Imalimboleko Yokwakha Ikhaya: Ungasebenzisa le mali ukukhokha izindleko ezihlobene nokwakha indlu.

Imalimboleko Yokuthenga Umhlaba: Le mali ebolekiwe ingasetshenziselwa ukuthenga umhlaba.
Imalimboleko Yokuthuthukisa Ikhaya - Ungasebenzisa le mali ebolekiwe ukuze uthuthukise futhi ulungise ikhaya lakho.

Khokhela izindleko zokulungisa nokuvuselela ikhaya lakho ngemalimboleko yokuthuthukisa ikhaya.

imalimboleko yokwelulwa kwendlu: ngosizo lwale malimboleko unganweba indawo eyakhiwe yendlu yakho.

 

Imali mboleko yabafundi e-Austria

Ingabe ungumfundi ofuna imali mboleko yokukhokhela isikole? Izinhlobonhlobo zemalimboleko yabafundi ziyatholakala e-Austria, okuhlanganisa imali mboleko exhaswe nguhulumeni kanye nemalimboleko yangasese. Imali mboleko yabafundi ivamise ukuba nenzalo engaguquki kanye nezinkokhelo zanyanga zonke.

Ukuchitha imali emfundweni kuyisinyathelo esihlakaniphile. Imali mboleko yabafundi e-Austria ingasiza abafundi abangakutholi ukusekelwa okwanele kwezezimali kubazali babo. Kuyafana nakubantu abazothweswa iziqu, kodwa abangakwazi ukusebenza ngesikhathi bebhala izivivinyo.
Ngemali mboleko yomfundi, ungakwazi ukumboza izindleko zakho zansuku zonke ngenkathi ufunda e-Austria. Ngemva kokuqeda imfundo yakho, ngokuvamile ukhokha isikweletu isikhathi eside.

Uma unentshisekelo emalimboleko yomfundi e-Austria, kufanele uqale unqume ukuthi izimo ezijwayelekile ziyasebenza yini kuwe.

Iminyaka yobudala ephezulu yokubolekwa kwabafundi abaningi yi-18. Isibonelo, abantu base-Austrian abaphakathi kweminyaka eyi-18 nengama-44 bayafaneleka ukufaka isicelo semali mboleko yabafundi. Ubude besikhathi esiphezulu sezifundo ngokuvamile bunqunywa abahlinzeki besevisi. Kufanele uhlole ngokwethembeka ikhono lakho lokuqeda imfundo yakho ngalesi sikhathi.

Thola ukuthi ngabe izifundo zakho zixhaswa yini uma ufisa ukufaka isandla esikhwameni semfundo. Isibonelo, ukuya esikoleni sobuciko kuvame ukuphuma embuzweni.

Izinhlelo zokufunda zesikhashana emanyuvesi okufunda amabanga, izikhungo zemisebenzi yezandla nezinye izikhungo zemfundo eziqhubekayo ngokuvamile azifaneleki ukubolekwa imali yabafundi e-Austria.

Imali mboleko yemoto e-Austria

Udinga imali yokuthenga imoto entsha? Ukubolekwa kwemoto kungaba yimpendulo. Lezi zimali mboleko zikuvumela ukuthi ukhokhele ukuthengwa kwemoto entsha noma esetshenzisiwe. Imali mboleko yezimoto ngokuvamile inamazinga enzalo ahlukahlukene kanye nezinkokhelo zanyanga zonke. Ungafunda kabanzi mayelana nokubolekwa kwezimoto e-Austria lapha.

imali mboleko e-Austria

Isetshenziswa kanjani imali mboleko e-Austria?

Izinhlobo ezahlukene zemalimboleko zingasetshenziswa ngezinhloso ezahlukene. Nazi ezinye zezindlela ezisetshenziswa kakhulu zekhredithi e-Austria:

  • Ukuhlanganiswa Kwezikweletu.

Uma unezikweletu eziningi, ungase uthande ukucabangela ukuzihlanganisa zibe yimalimboleko eyodwa. Lokhu kungenza kube lula ukuphatha isikweletu sakho futhi kunganciphisa izinkokhelo zakho zanyanga zonke.

  • Ukuxhasa ukuthenga okukhulu

Uma udinga ukuxhasa ngezimali ukuthenga okukhulu, njengemoto noma ikhaya, imalimboleko ingaba inketho enhle. Imali ebolekiwe ivamise ukuba nenzalo ephansi kunamakhadi esikweletu, ngakho uzogcina imali ngokuhamba kwesikhathi.

  • Ukuya eholidini

Ubani ongathandi iholide elihle? Uma udinga usizo lokukhokhela uhambo lwakho, imalimboleko ingaba yimpendulo. Amakhredithi angasetshenziswa nganoma iyiphi injongo, ngakho-ke zizwe ukhululekile ukusebenzisa imali ngendlela ofuna ngayo.

  • Thenga indlu

Imali mboleko yezindlu iyatholakala kubantu abafuna ukuthenga indlu. Lezi zimali mboleko ngokuvamile zinezilinganiso zenzalo eziphansi kunezinye izinhlobo zemali mboleko futhi zinikeza izinzuzo zentela.

  • Khokhela ekolishi

Imalimboleko ingaba yisixazululo esifanele sokukusiza ukuthi ukhokhele imfundo yakho yasekolishi. Kunezinhlobonhlobo zezikweletu zabafundi ezitholakalayo, okuhlanganisa imali ebolekiwe exhaswe uhulumeni kanye nemalimboleko yangasese.

  • Thenga imoto

Izimalimboleko zemoto ziyatholakala ukuze kuxhaswe ukuthengwa kwemoto entsha noma esetshenzisiwe. Lezi zimali mboleko ngokuvamile zinezilinganiso zenzalo eziguquguqukayo nezinkokhelo zanyanga zonke.

Izinto okufanele uzikhumbule ngaphambi kokufaka isicelo sokubolekwa imali e-Austria.

Ngaphambi kokufaka isicelo sokubolekwa imali e-Austria, udinga ukubheka izinto ezimbalwa ezibalulekile:

  • Udinga imali engakanani ukuze uboleke?

Inani lemali oyidingayo ukuboleka lizothinta uhlobo lwemalimboleko ongayithola. Uma udinga isamba esikhulu semali, ungase uthande ukucabangela isikweletu sebhizinisi. Uma udinga imali encane, ukubolekwa imali yomuntu siqu kungase kube inketho engcono.

  • Isheduli yokukhokha.

Isikhathi semalimboleko kanye neshejuli yokubuyisela kuzothinta izinga lenzalo oyikhokhayo. Uma ukwazi ukukhokha imali ebolekiwe esikhathini esifushane, ungase ukwazi ukuthola inzalo ephansi.

  • Izimali zemalimboleko.

Zonke izimali ezibolekiwe ziza nezimali ezikhokhwayo, njengezimali zokuqala, izimali zokufaka isicelo kanye nezindleko zokuvala. Ngaphambi kokufaka isicelo, qiniseka ukuthi uyaziqonda zonke izimali ezihambisana nemalimboleko.

  • Izinga lenzalo.

Izinga lenzalo liwukuthi uzokhokha malini uma uboleka imali. Uma izinga lenzalo liphezulu, yilapho uzokhokha kakhulu isiyonke impilo yonke yemali mboleko.

imalimboleko ezinikele e-Austria

 

Imalimboleko e-Austria: Usifaka Kanjani isicelo?

Ukufaka isicelo semali mboleko e-Austria kulula. Ngokuvamile ungafaka isicelo ku-inthanethi noma mathupha ebhange noma enhlanganweni yezikweletu.
Nazi izinyathelo okudingeka uzithathe:

  • Qhathanisa izikweletu ezahlukene.

Izimalimboleko ezahlukene ziyatholakala e-Austria, ngakho-ke kubalulekile ukuqhathanisa izinketho zakho. Lokhu kuzokusiza ukuthi uthole imali ebolekiwe engcono kakhulu yezidingo zakho.

  • Thola umbolekisi.

Uma usuqhathanise izinketho zakho, sekuyisikhathi sokuthola umbolekisi. Ungafaka isicelo semalimboleko ku-inthanethi noma mathupha ebhange.

  • Qedela isicelo.

Uma usuthole umbolekisi, uzodinga ukugcwalisa isicelo. Lokhu kuzobandakanya ulwazi lwakho lomuntu siqu, ulwazi lwezezimali kanye nenjongo yemalimboleko.

  • Linda ukugunyazwa.

Ngemva kokufaka isicelo sakho, kuzodingeka ulinde ukugunyazwa. Le nqubo ingathatha izinsuku ezimbalwa noma amaviki, ngakho-ke sicela ubekezele.

  • Sayina inkontileka.

Uma usugunyaziwe ukubolekwa imali, uzodinga ukusayina isivumelwano nomabolekisi. Lesi sivumelwano sizochaza imigomo yemalimboleko, njengezinga lenzalo, uhlelo lokukhokha kanye nezinkokhelo.

  • Thatha imali yakho.

Uma ususayinile inkontileka, ekugcineni uzoyithola imali yakho. Imali izofakwa ku-akhawunti yakho, futhi ungakwazi ukuyisebenzisela noma yini oyidingayo.

isikweletu esihle e-Austria

 

Isiphetho

Ungajahi lapho uboleka imali e-Austria. Okokuqala, zinike isikhathi sokuqhathanisa izinketho zakho futhi uthole imali ebolekiwe engcono kakhulu yezidingo zakho. Bese uthola umbolekisi bese ugcwalisa isicelo. Yiba nesineke ngesikhathi senqubo yokugunyaza, futhi ekugcineni, usayine inkontileka futhi uthole imali yakho. Ngokuhlela nokucabangela ngokucophelela, ungathola kalula imali oyidingayo.

Uma unentshisekelo emalimboleko kwamanye amazwe aseYurophu, ungavakashela areaoffance.com

Imalimboleko yemoto e-Austria

Imalimboleko yemoto e-Austria

Isikweletu semoto siyisivumelwano phakathi kwakho nomabolekisi esikunikeza imali yokuthenga imoto. Ngokushintshanisa, uzobakhokhela inzalo esikhathini esithile. Ngaphambi kokusayina noma yimaphi amadokhumenti emalimboleko, kufanele uqonde le mibandela elandelayo: Kwesinye isikhathi idiphozithi iyadingeka.

Funda kabanzi
Dobro zaznati

Dobro zaznati

Kungaba nezizathu eziningi zokuthatha imali ebolekiwe e-Austria. Mhlawumbe udinga ukuthenga indlu, mhlawumbe imoto noma udinga imadlana ukuze uqale ibhizinisi lakho. Konke lokho kuzwakala kukuhle, kodwa ngalokho udinga ukwazi izinto ezimbalwa mayelana nemalimboleko. Izimo zemboleko e-Austria ziyinto ebaluleke kakhulu okufanele uyazi kahle ngaphambi kokufaka isicelo semali mboleko e-Austria. Kunemibandela emithathu yemalimboleko okufanele kuhlangatshezwane nayo ukuze uthole imalimboleko e-Austria.

Funda kabanzi
Izimalimboleko eziku-inthanethi e-Austria

Izimalimboleko eziku-inthanethi e-Austria

Izimalimboleko eziku-inthanethi noma imali ebolekiwe nge-inthanethi ziyimalimboleko evamile enomehluko owodwa. Umehluko wukuthi uma uboleka imali nge-inthanethi, asikho isidingo sokuthi uye mathupha ebhange. Yenza yonke into ku-inthanethi ngokunethezeka kwekhaya lakho. Nquma inani lemalimboleko oyifunayo, gcwalisa isicelo esifushane ku-inthanethi, usithumele, bese ulinda okunikezwayo.

Funda kabanzi
Amakhadi esikweletu e-Austria

Amakhadi esikweletu e-Austria

Kuye ngokuthi yini oyidingayo ukuze uboleke imali nokuthi ufuna ukuyiboleka malini, ukuthatha ikhadi lesikweletu e-Austria kungase kube inketho enhle kuwe ngaphandle kwemali mboleko yakudala. Zombili izinketho zisebenza ngendlela efanayo - uboleka imali bese uyibuyisela. Kodwa inketho ngayinye inobuhle nobubi, ngakho-ke kubalulekile ukukala ukuthi yini ekulungele.

Funda kabanzi